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Banking reviews in Neosho
If this had been Chase, whom I highly recommend, they'd have called me right away to alert me. Not
Had this been Chase, or any other reputable bank (I reference Chase because I have been through a similar situation with them, which they handled beautifully) it would have been handled during that initial phone call. A Chase representative would have gone over the charges with me, verified which were fraudulent and which were legitimate, and reassured me that I would not be responsible for anything that wasn't mine. And given that for the past several months virtually ALL of the charges on that card had been for places like
What they DID do, was put the charges into dispute--as if there was a question about whether against all previous behavior, I had suddenly decided to go
Of the three people I spoke to that night, two said I might end up being billed for the charges, and a third said I wouldn't. I also was told that disputed charges would not appear on my next bill. Later on, someone else contradicted this. Chase, I should mention, has NEVER billed me for a charge that was fraudulent, or even a charge that was subject to dispute. Such charges go on hold until they make a final decision.
I called back again--I believe it was on the tenth, and asked that the account be closed. I just felt so unsafe dealing with this bank. What if the criminal had charged thousands of dollars instead of a few hundred? I'm a senior living on savings, and I can't afford to patronize a bank like that. And you know what they did? They coded the request to close the account as if it came from the bank, not from me! An error like that could negatively affect my credit rating. Fortunately
And it did get even
I called right back and got
As of today, the fraudulent charges are still on my account, and I am told I WILL be billed for them, but that with a bit of luck, they should have it all handled before the bill comes due. Do I think, in light of all my previous experience, that this will happen? Probably not. So now I get to sweat this out until the middle of November, when the charges will come due. In the meantime I intend to file complaints with the appropriate agencies to make sure this does not affect my credit, because whatever the criminal bought, I didn't get any of it, and I am not paying for it. When the bill arrives, I intend to write on it, "Account closed, paid in full."
Beware of this bank. I don't know if this is gross incompetence, or an actual attempt to make the
UPDATE: After I submitted this review, I once again checked
But my bill arrived the next day, and the charges are STILL THERE. And yet, the web page and the representative both say I owe nothing. Presumably the bill was mailed before they deleted the charges. I can only hope. My overall impression after this experience is that the right hand doesn't know what the left hand is doing, the folks in customer service rarely seem to have their facts straight, and no one cares enough to initiate communication when dealing with an ongoing issue. I suspect that
1. The card was blocked before anyone notified me, although customer service told me later on that this was an error.
2. The notification I ought to have received was never sent. Apparently they usually DO contact people in fraud cases.
3. They never mailed the form they wanted me to fill out.
4. The person who closed the account for me entered the wrong code, which could have adversely affected my credit.
5. The manager who promised to call me back never did.
6. They wanted a thirteen dollar minimum payment on a zero balance.
7. They billed me for the fraudulent charges anyway.
UPDATE: Received the form at last on 10/27, it claims THEY closed the account, not me. This could affect my credit rating, so it's not over yet.”
All I want it to be reimbursed for my losses.
Despite admitting that they were in the wrong and the slam on my credit was wrong, they still refuse to remove it. I have filed appeals through the big 3 credit bureaus. Each time,
Because of the bad report, I can't refinance or get a home equity loan with
So, they've tied me to them, perhaps until 2018 because of their illegal activities.
Run, don't walk away from this bank!
handle your account and answer all your questions yet he gets upset when
you ask him questions to make sure you both have the same understanding, he
claims it is a waste of time to repeat himself. Sometimes you may have to
repeat an answer to give clarification to make sure everyone is on the same
page. Once contract is signed if customer has further questions he
blame’s them chew’s them out, lectures them, and scolds them for
signing the contract without full knowledge and understanding of contract. Branch
Manager also makes tons of verbal promises and assurances of all kinds
then refuses to put them in writing. Yet he wants you to sign the
contract based on those verbal promises. It seems that his own Company's
policy and (Federal Law -15 day Cool off period -) where a customer
has the right to change his or her mind within 15 days of signing said
contract, also seems to irritate Branch Manage. If Branch Manager
Would Allow the Customer to tell him what they need and how much they need
to conclusions, and dismiss them and ANSWER THEIR QUESTIONS and NOT give
them the hard sell, then both he and they would be on the same page. And
He Branch Manager, would not have any misunderstanding and he
Branch Manager would not have to RETRACT a loan or cancel
a Loan and rewrite loans, he gets in his own way. And it waste not only
his time but it wastes the customers time….Above All Else … ALL.....Questions…MUST
be… ASKED… and …ANSWERED….Truthfully…… and…….Correctly …….
All Credit Unions in Neosho, MO
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