Getting fustrated
I've complained to NCUA (since it was a credit union) they refered me to my financial insutition which in turn said I'd have to go back to the payday lenders. Well one of them said that I signed a contract stating they can go in at any time and collect money. I asked our Financial department if that by signing a contract trumpts the law and they said they don't.
I tried going through my branch manager (again) to get me removed from checksystems since I have proof that I tried closing my account and they wouldn't. They basically said it wasn't their problem.
I've filed with FDIC Yesterday, (though not sure what's that going to complish since it's a credit union) I also sent a letter to the CEO of the company which is probably just going to hand it down to the branch manager, but it's worth a shot.
Who else can I contact? I just want this item removed from my credit reports/check systems, since they wouldn't let close my account, I feel that any oferdrafts are not my responsiability (SP)
i am sorry you are having problems. i would keep caling until so
i am sorry you are having problems. i would keep caling until someone can help you. i had problems with my bank at first, too but they eventually froze it than completly closed it out.
Ohh, it's already closed, they closed it finally by their own me
Ohh, it's already closed, they closed it finally by their own means, not mine. It's just reported to Chexsystems. I want it out of checksystems.
oh i understand now, i am sorry.. we have a board on banking iss
oh i understand now, i am sorry.. we have a board on banking issues here and many of the posts discuss chexsystems, maybe reading over them would help? i am sorry i cannot help more, good luck and i am sure someone with more experience will be around.
This is the latest letter that I just faxed our Department of Fi
This is the latest letter that I just faxed our Department of Financial affairs:
Director Office of Credit Unions
PO box 14137 Madison WI 53708
December 3nd, 2008
Dear
RE: Guardian Credit Union.
Yes my issue has to do with payday loans. Most importantly and the main issue is that I tried to close my account before it got out of hand and was denied that right since it was already negative. I then asked for a hard freeze to be put on my account so that nothing would come though and that I could get the balance back into the positive territory, then close the account so the payday lenders didn????????t have access to it. Once again I was denied that right because it was already negative.
Given these facts, I do believe this is a Department of Financial Institutions matter and not Office of Consumer Affairs. Once again I am asking that Guardian Credit Union remove me from Chex systems as well the credit bureaus. I believe this is a fair request given the circumstances.
Thank you for your time.
I bolded main issue and denied and hard freeze. Maybe now something will get done.