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Consumer Complaints

BBB Accredited Business since 10/08/1986

Notre Dame Federal Credit Union

Phone: (574) 239-6611

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Customer Complaints Summary

1 complaint closed with BBB in last 3 years | 1 closed in last 12 months
Complaint TypeTotal Closed Complaints
Advertising / Sales Issues1
Billing / Collection Issues0
Problems with Product / Service0
Delivery Issues0
Guarantee / Warranty Issues0
Total Closed Complaints1

Complaint Breakdown by ResolutionAbout Complaint Details

Complaint Resolution Log (1)BBB Closure Definitions
10/31/2014Advertising / Sales Issues | Read Complaint Details
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Complaint
NDFCU sent out a flier promising $25 or more in a promotional bonus for using their visa in May and June of 2014, but they failed to honor the offer.
In the spring of this year, NDFCU sent me an advertisement in the mail which read as follows:

"In April,you made purchases 3 times with your Notre Dame FCU Visa Platinum. When you make an additional 5 purchases of $35 or more in May and June, you'll earn $25 for each month! Get rewardedjust for shopping with your Notre Dame FCU Visa Platinum."

I had in fact made 3 purchases in April, and then, in both May and June, I made an additional 5 purchases, each of $35 or more. Per the offer's fine print, I waited 2 billing cycles, but didn't see the promised earnings reflected in my account. When I contacted NDFCU, they sent me the following response:

"I have spoken to our Credit Card Specialist in regards to the Visa promotion. In April, you made 3 purchases with your Visa Platinum card, but to receive the promotion you needed to make 5 additional purchases than what you made in April, so you needed to make 8 total purchases in May and June each. Those purchases also had to be over $35. Unfortunately, in May, there were only 6 purchases made over $35 and in May there were only 5 purchases made over $35."

Respectfully, I disagree with NDFCU's strained interpretation of its offer. In my judgment, a plain reading of the offer clearly conveys that I had made 3 purchases in April and that, on top of those three April purchases, I needed to make 5 additional purchases in both May and June. In other words, the "additional" purchases in May and June were in addition to the 3 previous April purchases referenced in the offer, not 5 more in each month than in April.

In contrast, NDFCU's suggestion that an "additional 5" means 5 more in May and June than I made in Aprili.e., a total of 8 purchases in May and June is a forced and disingenuous interpretation, which is, at best, misleading and which appears designed to cheat people out of the promised offer. It departs from the offer's plain language and adds terms not reflected in the advertisement. Moreover, I checked, and the idea that "additional" means 5 more than the month before, rather than in addition to the previous month's purchases, is not reflected in the offer's fine print. In short, if they'd wanted me to make 8 purchases in May and June, they should have said so. As written, I believe I satisfied the terms of the offer and NDFCU failed to fulfill its promise.

Desired Settlement
I would like to receive the promised bonus of $25 for both May and June, for a total of $50.

Business Response
Contact Name and Title: ***** ********
Contact Phone: XXX-XXX-XXXX
Contact Email: *********@notredamefcu.com
Reviewed complaint from Ms. ***** on 10/29/2014 along with her credit card transactions and statement. The information about the transactions was indeed correct, however, the payout for the number of transactions was not met for the incentive. Agreeing with the possible misinterpretation of the campaign itself, from the member's perspective, Notre Dame FCU will gladly pay the $50 incentive for this misunderstanding. ***** ********* Chief Sales Officer left a VM at Ms. ***** home phone on 10/29/2014 @4:24p ET. On 10/31/2014, Ms. ***** returned the call to my office line where we spoke about the complaint, our research, and how we will credit her the $50 anyway, for being such a loyal member. Ms. ***** was satisfied with this outcome, and the credit will be posted to her personal checking account on 10/31/2014 for $50. This complaint was resolved mutually and with satisfaction from the member, Ms. ******* *****.

OFFER:
Full credit of $50 to her personal checking account at Notre Dame fCU

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