This loan application was submitted at one of our Austin, TX branches and I am in Bryan, TX. I have contacted our loan department in Austin and they are currently on the phone with *** *** as I am typing this email They will be reviewing all documentation that we have received via
email from *** *** and going over the loan process with her. Our member's financial needs are of utmost importance to the credit union as well as the privacy of all documentation that may send us
Greater Texas Credit Union has received and reviewed the complaint for *** ***The Credit Union takes matters involving our members and their debit cards and access to funds seriouslyWe have conducted a thorough investigation of the concerns brought forward by Ms***.We can confirm that
the debit card on the account in question was declined several times over the New Year's weekendWe can also confirm that as of December 30th, there were not enough funds in the checking account to approve any further debit card purchasesThe reason there were insufficient funds was due to previous purchases, withdrawals, and transfers authorized by Ms*** on December 28th December 29th and December 30th Lastly, we can confirm that at the time in question her debit card was free of any holds or flagsHad sufficient funds been available in the checking account, the debit card would have been approved without issueWhile not disclosing the transaction amounts or locations, if further detail is needed in the review of this case and Ms*** authorizes us to discuss those details, we would be happy to provide further information to the Revdex.com.The credit union does partner with a third party for our debit card fraud detectionTheir focus is on transactions that may be of risks to our members and credit unionWhile they can discuss fraudulent or suspicious transactions with a member, they do not have access to account balancesHowever, we can confirm that the fraud protection service correctly informed Ms*** that her card was free of any flags or holds that would have prevented any transaction requests.While the fraud detection partner would not have had access to account balances, the credit union does provide free access to member account information in multiple formatsIn addition to a member's account registry, they also have access by free automated telephone, free online banking, and free smartphone App accessAny of these methods would have also provided Ms*** with further information up to and including her account balances and availability of funds.We do apologize for any inconvenience that Ms*** encountered and invite her to visit further with our Card Services Department about her debit card and the transactions that led her account to have insufficient funds for the additional transactions requested.We will also send a written response to Ms*** about her complaint in hopes of fostering a better understanding of her debit card and credit union membership.Respectfully,*** *** I SrVice President/COO*** * *** *** *** *** *** *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I talked with the bank and figured out where my information was being reviewed and feel much better.
Regards,
[redacted]
This loan application was submitted at one of our Austin, TX branches and I am in Bryan, TX. I have contacted our loan department in Austin and they are currently on the phone with *** *** as I am typing this email They will be reviewing all documentation that we have received via
email from *** *** and going over the loan process with her. Our member's financial needs are of utmost importance to the credit union as well as the privacy of all documentation that may send us
Greater Texas Credit Union has received and reviewed the complaint for *** ***The Credit Union takes matters involving our members and their debit cards and access to funds seriouslyWe have conducted a thorough investigation of the concerns brought forward by Ms***.We can confirm that
the debit card on the account in question was declined several times over the New Year's weekendWe can also confirm that as of December 30th, there were not enough funds in the checking account to approve any further debit card purchasesThe reason there were insufficient funds was due to previous purchases, withdrawals, and transfers authorized by Ms*** on December 28th December 29th and December 30th Lastly, we can confirm that at the time in question her debit card was free of any holds or flagsHad sufficient funds been available in the checking account, the debit card would have been approved without issueWhile not disclosing the transaction amounts or locations, if further detail is needed in the review of this case and Ms*** authorizes us to discuss those details, we would be happy to provide further information to the Revdex.com.The credit union does partner with a third party for our debit card fraud detectionTheir focus is on transactions that may be of risks to our members and credit unionWhile they can discuss fraudulent or suspicious transactions with a member, they do not have access to account balancesHowever, we can confirm that the fraud protection service correctly informed Ms*** that her card was free of any flags or holds that would have prevented any transaction requests.While the fraud detection partner would not have had access to account balances, the credit union does provide free access to member account information in multiple formatsIn addition to a member's account registry, they also have access by free automated telephone, free online banking, and free smartphone App accessAny of these methods would have also provided Ms*** with further information up to and including her account balances and availability of funds.We do apologize for any inconvenience that Ms*** encountered and invite her to visit further with our Card Services Department about her debit card and the transactions that led her account to have insufficient funds for the additional transactions requested.We will also send a written response to Ms*** about her complaint in hopes of fostering a better understanding of her debit card and credit union membership.Respectfully,*** *** I SrVice President/COO*** * *** *** *** *** *** *** *** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I talked with the bank and figured out where my information was being reviewed and feel much better.
Regards,
[redacted]