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Business Profile

Credit Union

Public Service Credit Union

Complaints

Customer Complaints Summary

  • 1 complaint in the last 3 years.
  • 1 complaint closed in the last 12 months.

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The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:03/22/2025

    Type:Customer Service Issues
    Status:
    AnsweredMore info

    Complaint statuses

    Resolved:
    The complainant verified the issue was resolved to their satisfaction.
    Unresolved:
    The business responded to the dispute but failed to make a good faith effort to resolve it.
    Answered:
    The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
    Unanswered:
    The business failed to respond to the dispute.
    Unpursuable:
    BBB is unable to locate the business.
    I am lead to believe that deposits are being intentionally voided and/or delayed, to the purpose of charging overdraft fees on certain accounts. Simple transactions are not being processed, especially on weekends where customer ********************** is unavailable. Fraud may be not be intentional, but this inability to provide a promised service is cause for a further look.

    Business Response

    Date: 04/09/2025

    Dear Mr. ****************** check deposits are held for 5 business days for the first 30 days of opening an account.  As a new member that we have no previous relationship with, we are allowed by federal regulations to hold check deposits.  These holds may cause overdrafts in your (share draft (checking) account.  Debit card transactions are also authorized by our system and the funds held waiting for the transactions to post to your account.  Debit card transactions may cause overdrafts in your share draft (checking) account if other forms of payment would try to come in and clear your account.  When checks are deposited remotely thru the app and there is information that we can't read or is missing, we reach out to the depositor and try to clear it up before end of day processing.  If we cannot get the information we need, we will reject the deposit and send the depositor a message so that they know it has been rejected and the reason behind that action.  

    Your statement of the problem is that you have been "lead to believe that deposits are being intentionally voided and/or delayed, to the purpose of charging overdraft fees on certain accounts."  I'm sorry you feel you have been led to believe this, but it is not a true philosophy.  We process deposits and credit the member's account as we receive them and only reverse remote deposits when there are problems with it and we can't clear them with the depositor.  All checks deposited into an ATM or ITM have holds placed on them to safeguard the depositor and the financial institution.  There is $225 instantly available, per the regulations.

    We installed ITMs to make member account access more readily available, especially on the weekends.  I am sorry you are not finding them to be convenient for you.  Please let me know if you have any other issues you would like to discuss.

    Thank you for giving us this opportunity to explain the banking process of deposits.

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