We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Union

Seacomm Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

Customer Complaints Summary

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

If you've experienced an issue

Submit a Complaint

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.

Sort by

Complaint status

Complaint type

  • Initial Complaint

    Date:12/15/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    On Friday December 8th I contacted SeaComm’s Plattsburgh location in regards to my card being locked even after my account was made positive via weekly direct deposit, I was transferred to be explained that it was locked because of previous overdrafts and that i needed to keep my account positive for 24 hours once there’s positive amounts. Today on Friday December 15th I checked my account balance and there is an overdraft fee due to two charges of a “withdrawal bill payment” and essentially causing an overdraft. Business is well aware in change in 2 direct deposits going into the account to 1 due to a job loss. I’m now left with no check to live on for the week.

    Business Response

    Date: 01/02/2024

    ***** *****Acct ending *******Upon review of Ms. ******* account, regarding her complaint sent in on December 8, 2023 to the
    Better Business Bureau the following is a synopsis as of 1/2/24. Ms. ***** contacted our
    Plattsburgh, NY, branch as her debit card was blocked, even though the account
    had been made positive via her weekly payroll deposit as she assumed. The
    member was notified that the card was blocked due to previous overdrafts and
    the account would need to be in good standing for 24 hours. The member states
    that she checked her balance on 12/15/23 and noticed there was additional
    overdraft fees caused by “withdrawal bill payment”.  This was due to once her payroll deposit hit, she
    was left with a balance of $84.04.  She
    had an additional two ACH withdrawals that cleared the account, however there
    had been twelve additional debit card POS purchased which cleared and used her
    ODP limit.  No additional ODP funds were
    available once she used it all. Her account then was in the negative with no
    funds available.The member has a heavy usage
    of overdraft privilege and has had a number of conversations about this with
    our Resolution staff. We have determined that the member
    clearly spent the funds. This is nothing SeaComm caused. We have attempted to reach out
    to Ms. ***** on 12/23/23 and 12/27/27 to assist her in getting a budget in
    place so she doesn’t rely on overdraft privilege.  As of 1/2/24 she has not returned our calls.

Seacomm Federal Credit Union is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.