Kimmel Construction

In response to the aforementioned complaint and after reviewing the accounts transaction history, it has been determined that there were unavailable funds at the time both the We Energies and the Credit One presented for paymentThese payments were made on each of the merchant's websites and they do not hold on the members account until they are presented to the credit union via ACH and either clear the account or are returned for insufficient funds based on the available balance at that time On 12/5/an ACH attempted to clear the account in the amount of $for We Energies however there were numerous debit card transactions pending on the account and the funds for this payment were not available causing the item to be returned and a $fee was assessedThe same item attempted to clear a second time on 12/9/however the account was overdrawn $causing the item to be returned and another $fee was assessed On 12/19/the ACH for Credit One was presented to the account however the funds were unavailable and the payment was returned causing a third NSF fee of $to be charged This member of our credit union would have been notified from both merchants that they did not receive these payments and these funds were never sent to either merchantIf this individual would like copies of her transaction history to show all transactions posting to her account, we would be glad to provide her a copy of her statement that she would have received for the month of DecemberDue to this complaint not being a fault of the credit union and because the funds in the account were used by this individual for various debit card purchases and other ACH-related items, we are unwilling to refund any amounts back

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11912071, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Molly M [redacted]

On 9/8/15, this individual applied for membership to open an account at our Oak Creek branch The member explained that he came to Guardian Credit Union because we offer a tuition discount for members going to school at Ottawa University The individual was approved for membership and to open his Savings account, with a $deposit He received a new membership packet when his account was opened which included our Membership and Account Agreement, fee schedule, and other disclosures (which are also located in branch or available upon request) The member had no activity on his account for months, therefore was charged a $inactive fee as disclosed in the fee schedule, which in turn brought his Savings account to $and closed it on 9/30/On 10/8/(1:00pm), the member contacted a Member Service Representative at one of our branches about his account and explained he was upset that his account was closed out He stated that he was not told about any fee associated with not using his account and wanted to reopen the account Our Member Service Representative explained that he would need to come into a location to open an account as a significant amount of time had passed since the last account was opened The member became extremely vulgar with our Member Service Representative and then hung up the phoneOn 10/12/16, the member went to our Waukesha branch and applied to open a new account He was given or had access to all of the needed and required disclosures In the Membership and Account Agreement under “Section Membership Eligibility,” it specifically states that we will obtain reports from third parties, including credit reporting agencies, to verify eligibility for the accounts and services requested That is the reason for the inquiry on his credit reportThere were no questions asked by the member about this at the time either account was open and proper procedures were followed at both account openings Guardian Credit Union takes credit reporting very seriously and suggests to all members if they feel there is an error with their credit bureau that they contact Guardian Credit Union to dispute it

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11766756, and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below [To assist us in bringing this matter to a close, we would like to know your view on the matter.] Regards, Antonio [redacted] nothing was addressed to me, the store manager and the associiate who helped me did not do the job and did it pretty poorlyi was never notified, nor did I not give them permission to run my credittransunion specifically stated that they must remove my hard inquiry from my credit, not TRANSUNIONsimply put, fix it, or we will have a lawsuit