ComplaintsforMiami Postal Service Credit Union

• Initial Complaint

  10/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Hi, I was supposed to get paid today. (October *******) however I did not. On the banks website it stated they were having issues with the banking online app. I have been unable to have access to my account. When I called the company I was told that they were having issues with the online app however they did not see any pending deposits from my employer. I stated this was not true because I received a pay stub stating that the funds would be released today( October *******). I reached out to my employer just in case there were any issues on their end and they reconfirmed that they indeed processed my direct deposit. I called MPSCU backs several times and no one picked up, the phone call was actually disconnected several times. I was finally able to speak to someone and they stated that Im not the only person this has happened today that other customers were supposed to get paid today but due to the system error they were not. I am very disappointed in the service because it seems like that was the issue in the beginning but they decided to give me the run around. I still do not have access to bank account and nor has my direct deposit has been released to them.

  Business response

  10/18/2024

  A copy of this response is being mailed to Ms. **** directly.

   

   

• Initial Complaint

  09/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Im not liable for this debt with MPS credit union I do not have a contract with the collection agency they did not provide me the original contract as I requested

  Business response

  09/10/2024

  Please see formal response; which is attached.

• Initial Complaint

  05/20/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Requesting documents from this company.

  Business response

  05/21/2024

  Below is the response being mailed to ****************** along with the documents requested. 

  We hope this is sufficient.

   

• Initial Complaint

  07/24/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have exercised my right as a consumer to dispute an account on my ********************** profile. The account in question is from Miami Postal Credit Union. Unfortunately they have failed to respond to any of my correspondence. I am trying to get them to validate a debt but they refuse to correspond with me. my next step is a law suit.

  Business response

  07/27/2023

  We have reviewed the account in question and all our information has been verified and what we are reporting is accurate.
  
  ***************** established membership by opening a savings account with ********************** on February 13, ****.  On June 18, 2007, he opened a checking account and on November 29, 2018, he was approved for an unsecured loan in the amount of $3,000. When approved for the loan, he acknowledged that he would make regular payments to eradicate this debt. As a result of nonpayment, the unsecured loan was charged off in 2019. When the account was charged off, a balance remained.
  
  As of today, ****************** owes MPS Credit Union $ 3,242.75.If he pays the balance owed, we will report the loan as paid.
  

  Customer response

  07/28/2023

   
  Complaint: 20370794
  
  I am rejecting this response because:
  

  The business has responded to everyone but me the consumer. They have shown me no proof of this allege debt. I have  asked for validation of this debt several times and they have ignored my correspondence. I will litigate to resolve this and file a complaint with the attorney generals office. They have willfully violated the **** and the FDCPA.

  Thanks for your assistance,

  
  Sincerely,
  
  *************************

  Business response

  08/09/2023

  We have responded directly to ******************, via certified mail with a letter dated Aug. 8, 2023, which includes the following documents (****, application, loan note, account statements showing the loan obligation) supporting his application and acceptance of the loan.  The same letter has been attached here. If there are any questions, please contact AVP of Collections ************************* at ************.

  Business response

  08/09/2023

  We have responded directly to ******************, via certified mail with a letter dated Aug. 8, 2023, which includes the following documents (****, application, loan note, account statements showing the loan obligation) supporting his application and acceptance of the loan.  The same letter has been attached here. If there are any questions, please contact AVP of Collections ************************* at ************.

  Customer response

  08/10/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  04/18/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I visited this branch today in regards to a fraudulent charge in my acct. I explained to one of the managers by the name of ****** that I had an issue with a Lyft driver fraudulently accusing me of something which resulted in my acct being charge a fee I wasnt aware of until today. I asked them to waive the insufficient funds fees I was charged because it is not fair for my acct to be charged due to someone else trying to scam me. This woman was not professional nor cared about the situation I was telling her and her colleague. She informed her colleague that she is not refunded my money even though I did not cause/was aware of additional charges on my acct. I have contacted the **** which printed me to contact ****************************** which I will be doing in the morning. This is highly unprofessional for these people to try and keep my money because this driver wanted to scheme (also being taking care of now). I showed her colleague the many times *** even contacted this company about this driver false accusations which MPSCU still refused to refund my money.

  Business response

  04/25/2023

  On Tuesday, April 18, 2023, ************* initially called MPS Credit Union asking to speak to a supervisor. When she was unable to connect, because the supervisor was assisting another member,she became irate with the *********** Representative. She called back in and eventually spoke to the *** ******, who advised her of the process for filing a dispute pertaining to her issue with the $80 damage fee/withdrawal/charge from Lyft that occurred on April 15, 2023. It should be noted that while ************** refers to this as fraud throughout her comment, she has admitted that she was a passenger in the Lyft, so this is not fraud, but a dispute that she has with ****. She was advised of the process for disputing the charge, which involves her calling a number to file the claim, which will then be investigated. She did follow the process to file the dispute claim and it has been processed and pending resolution.
  
  Later that day, ************** came into the branch and sat with a Member Service Representative (***) demanding that we reverse two $35 non-sufficient funds (NSF) fees that she was assessed by the credit union on April 18, 2023. These fees are charged to members when withdrawals exceeding the amount of funds in the account. The fee is disclosed to the member,via a Schedule of Fees, when they open the account and its also posted on our website. A review of **************** account revealed that she was assessed two NSF fees because she initiated two payments to *** which did not clear her account because of lack of funds in the account. ************** became loud and vulgar with the *** (and other employees) when attempting to explain that this wouldnt have happened if the Lyft charge had not occurred. Our ***s are authorized to reverse one fee, which the *** explained to her; however, ************** heatedly told the *** that she didnt want just one fee reversed that she wanted both reversed. The *** consulted with the credit unions ** of Compliance about the case. **************** account was reviewed and it was discovered that a one-time courtesy exception had been made by the ** of Operations on March 31, 2023 to reverse an NSF of $35 for ************* for a previous incident she had. Fees are assessed on an account when there are not enough funds to cover a transaction/charge. A one time exception was made for ************** less than 30 days prior to this incident, so the reversal requested was not approved.
  
  On Wednesday, April 19, 2023, a message was received from the Better Business Bureau with this complaint.
  
  On Thursday, April 20, 2023, the ** of Operations and ** of Compliance called ************** to explain that the rudeness displayed to our employees would not be tolerated. They were merely attempting to explain the need to follow proper procedures to file the claim,which would be investigated. And if **** found that the charge was incorrectly charged, they would reverse their fee and then MPS Credit Union would follow suit and reverse the 2 fees requested. However, ************** again was loud, rude and vulgar on the phone. Not accepting the process as was described to her.Ultimately, we did reverse the two fees shed previously requested and an additional two fees, for a total credit of $140, with the understanding that the account would be restricted to stop further fees being assessed, since the *** may again attempt to collect, and for her to continue to pay her loan.
  

• Initial Complaint

  09/21/2022

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  * Please see attached documents.I financed a car with them, I moved to ********* and changed my phone number, they take the money from my card monthly but I didn't notice that they reimbursed it, they say they tried to contact me but they couldn't and they didn't send me a letter or anything and for only one month they took my car and now they won't even let me pay the month that is due on the car. What I understand is 90 days to repossess the car, I think it is not right that they do not want to let me pay the month due on the car. Translated by BBB 9/20/2022

  Business response

  09/23/2022

  This is a Car Factory loan and he was a first payment default. His loan was funded July 15, 2022 . The terms of the loan are outlined in truth in lending disclosure that he received when the loan was closed. He was to make monthly payments, the first which was due Aug 17, 2022 and he didn't. The first payment arrived Aug. 24, 2022 and was reversed due to non-sufficient funds. A  2nd payment came in on Aug. 29, 2022 and was also reversed for non-sufficient funds.   

  We tried contacting him. His phone number was disconnected. We made contact with his two references one of the references is his dad and the other reference is a friend. Both of them were going to give him our message in several occasions. We also sent him emails at the email that was provided at the time of the loan was closed, he'd confirmed that was his correct email.

  We started our collection efforts with phone calls when he was one day delinquent. On the 28th day,  I sent the car out for repo since we didnt have no response/contact with our member at all. In addition, the insurance was canceled on 7/16/2022 the date after we closed the loan.

  After the vehicle was repo'd, his mother contacted the credit union, she even came via  an uber driver to talk to us. The vehicle was insured with her name, she was probably the one driving the car but she is not on the loan.
  
  
  To respond to the resolution that he wants - no we cant give him the car back.  There is no law that states that we have 90 days before we could pick up a vehicle.   

  He has until the 29th of this month to pay off the loan, plus the repo fees.

   

  If you have any questions, you may contact our AVP of Collections ************************* at *******************

  
  

*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. ↩