1st Advantage Federal Credit Union

Please read this letter to Memberone before using this credit union:





To Whom it May Concern,



I'm notifying you that I am writing a formal complaint via e-mail, mail and any and every website that will allow me to post a complaint. My bank account ending in 46 was overdrawn due to a fraud situation. As I am unable to prove the fraud and I was also using the card number as I had it memorized - I realize I am responsible for the debts on this account. I was working to set up a payment plan and had sent payments on the account as well. All of a sudden I noticed a payment of $25 coming out of my account ending in 42 to pay the debt to the 46 account. Less than two weeks later another payment of $50 came out of my 42 account to pay the 46 account. I was never made aware of the charge that would occur to my account. I called on 3 different occasions to set-up a payment plan only to reach the voicemail of Linda Oliver. I work 12 hour shifts in the ER so 1. It's impossible to reach me during YOUR business hours and 2. It's impossible to reach me in the ER as I'm obviously working with patients.



I called my final time this week to ask why the $50 was being taken out of my account without my permission. I was told since I had funds that any amount at any time could be withdrawn to take care of a debt. I said fine, I would withdraw all my funds until a could set up a payment plan. I had $490.00 in the bank at that time. On 3/22 Memberone took all my funds except for $76.00. I called in and was transferred to Linda Oliver - finally a live person! However, it was too late, all my money was gone to pay the account in debt and I was told since I told "Brittany" I was going to withdraw the money from my account that they went ahead and took all my funds to pay the negative account.



Let me just ask how much sense this makes? If I obviously did not have bills coming out of my other account I would have paid the negative balance. However, I had been sending payments via Paypal as well as Memberone taking my funds from my account to pay for the negative balance. So it apparently it makes perfect sense to you to debt the account were the bills are coming from and make that account go into debt to take care of another debt??? Seriously??? And why was I not contacted via phone by someone to set up a payment arrangement? I received mail and replied to the mail via phone and attempted to set up a payment plan.



I was referred to Memberone by 7 different people that lived in Lynchburg, VA. I was told this was an EXCELLET credit union. I was with a bank and wanted to experience a credit union - WHAT A HORRIBLE IDEA THAT WAS. Now the Memberone credit union in Virginia Beach is closing and almost every single person I work with states what horrid customer service the Beach Branch had and how many miserable situations they've had with Memberone. This is my 6th problem with Memberone so far. I won't go into each and every issue as some of them were misunderstandings between the branch and I.. which obviously could happen when a particular teller felt it more important to be on their cell phone than assist me in my transactions. I hated going into your Virginia Beach Branch of that very reason. The only teller in that place that had customer service and common sense was Krystal.



Just know this is the WORST experience I've ever had and now my 42 account is in the basic same, if not more, debt that the other account was in.

OH and I was sent to a collection agency without any phone calls from you asking to set up a payment plan as well.