ComplaintsforMidflorida Credit Union

• Initial Complaint

  04/03/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  MIDFLORIDA Credit Union is doing the old school Bait and Switch. Getting the customer in and selling a good but not honoring their advertising. I am a 1099 employee who is paid by pay a person because my employer has an account with ******************. I was denied the advertised $200.00 incentive deposit into my account because it is Pay a person which is the payroll system my employer used. Since having the account two months I have $1340.00 in the account satisfying my obligation of having deposits being made. I have made numerous attempts to get this resolved with negative results. I have spoken with others outside the bank who have similar concerns with MidFlorida. In todays troubling time with financial being handled inappropriately by scams I feel you should be aware of this going on.

  Business response

  04/09/2024

  MIDFLORIDA has resolved the matter directly with the member. 

• Initial Complaint

  03/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I opened an account back on Feb 2023 a freedom account and I was told that if I keep my account in good standing I can convert it after 1 year. I have kept my account in good standing and had OD protection, what makes this even worse it's that they caused my bank account to go overdraft because they want to charge me a Fee for something that they did not pay and yet penalize me for it when they did not even dish out the money and refuse to convert my account. This should not be held against me for something I have no control if something is presented and not paid. what I want is my account to be converted to a regular checking account and not be held liable for something I did not cause not only are is the website out of date you can event chat with a representative I would like for this to be made right and fixed.

  Business response

  03/22/2024

  MIDFLORIDA reached out directly to the member on March 20, 2024, and reviewed the eligibility requirements for upgrading the account. The member was informed to reach back out in 3 to 6 months to reassess eligibility. The member was satisfied with the outcome and we appreciate their membership and patronage. 

• Initial Complaint

  03/03/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  the dispute involves a *** withdrawal that was not authorized by me or anyone else connected to the account at mid ******************************************************************** located in ***** Florida.On February 12, 2024, a *** withdrawal was made from a corporate account that I had opened in December 2023. The amount was $271.08 and it showed that fifth third Bank received the *** payment on February 12, 2024. It was explained to me by mid Florida credit union that the *** withdrawal was for a medical bill, which they would not tell me who it was that made the *** withdrawal.I did not see the withdrawal until February 15, 2024 and I commenced to calling the 800 number that mid Florida credit union has, at which time I was instructed to leave a call back number and they would return my call. I completed this process three times on on February 15, 2024 with no call back, I started the process again on February 16, 2024 and I received no call back from their corporate office after eight attempts.I tried to call them on Saturday, February 17, 2024 and they were closed. I was unable to call them on February 19, 2024 because all of their offices were closed due to Presidents' Day. It was during this time that I was in ******** and I was unable to visit any of their local offices.On February 21, 2024 I went to their office and ***** and submitted the complaint. The account was closed and a new account was opened and I was advised that it would take 90 days to get my money back.On March 2, 2024 I received a letter stating that the request was initiated after the two day dispute time frame.I made several attempts to contact them using their automated phone system and at no time did anyone call me back to investigate my complaint.I would like to receive my $271.08 that was wrongfully taken from me and it appears that mid Florida credit union is unwilling to protect my account from this type of activity.I feel that I did everything possible to contact their help desk at ************ with no call back.

  Business response

  03/18/2024

  MIDFLORIDA has resolved this matter directly with the member. 

  Customer response

  03/29/2024

  I have spoken with the midflorida credit Union and we have resolved my issue. MidFlorida credit Union was very responsive and I am very happy with how the situation was resolved. It was miscommunication and they were very courteous and professional when dealing with the issue. I am very satisfied with how it was resolved.

• Initial Complaint

  02/29/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I lost my job back in October and have been working with the bankto make payments. I fell behind two months, the collections department called me and was VERY nasty about trying to collect. I was told that I had to come in to the bank and pay my last two months owed by February 29th. I asked to speak to the Manager, and was told she was unavailable. I called back was able to speaj to a managerI let her know that the person calling me was very disrespectful and would barely let me speak. During that call she confirmed I had until the 29th to pay. She instead approved for my car to be repossed that same day. I borrowed money from friends and family to make sure I had enough to pay. I made an arrangement with the collections department, only to find out she had my car reposessed the morning I was heading in to pay. I called the credit union for an explanation was told that she was unavailable and that I could leave a message. They also had no options ready for me to be able to get my car back. This was unethical. Their collection calls are not recorded and they outright lie to customers who are trying to set up payments. She gave me a call back stating I dont have the right to record her, I started to talk and she hung up in my face. VERY, VERY, VERY unprofessional.

  Business response

  03/11/2024

  While we regret the circumstances, MIDFLORIDA Credit Unions collections department has advised the member of the ability to redeem the vehicle by paying up to date, including any fees; the redemption period will end on March 13, 2024. The member may reach out to the collections department at *********************** to further discuss the matter.  

• Initial Complaint

  02/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  January 21, I reported a fraudulent charge of $50 on my credit card. I called the number on the back, they sent me a new card and cancelled the old one. Said it could take up to 30 days for the charge to be reversed/credited. 2 weeks later, a $50 credit was pending, and then reversed. I called and inquired about this, and they said it was normal and it was still pending investigation. Approx 2 weeks after that, two additional CHARGES (NOT CREDITS) were applied to the balance of my credit card. These charges were made by the credit card ****** it was a $50 charge and a $10 charge. When I called, they said there was a credit on another credit card, but not the one showing on my online statement, so they must have applied it incorrectly. They also informed me that someone in the fraud/dispute **** added the additional $10 fraud even though I had confirmed that was a legitimate charge. They "made a note" and assured me it was still under investigation and that any interest I might be accruing would be reversed. 1 month later, I receive a letter in the mail about my fraud case being investigated, and it's referencing a card I have NEVER had for these same fraud charges. I called the fraud line and got no where, so called a local Midflorida branch. After an hour on the phone, they said I called and reported an additional fraud charge on Feb 6 - which I never did and they issued a new card (which they never did). I have been assured twice now that a supervisor from the credit card **** would be calling me and I'm still waiting, and I still have double the fraud charges on my statement and a mysterious credit card with credits that I can't see and that was never sent to me. Someone in this department has made several mistakes and I just want them corrected and my refunds issued. This has been the worst experience and after this debacle I will be cancelling all of my cards and I'm even considering moving my accounts from Midflorida that I have had for 20plus years.

  Business response

  03/11/2024

  We are so sorry for any inconvenience resulting from a fraudulent charge on your credit card and the resulting confusion from MIDFLORIDAs attempts to properly credit your account and issue you a new credit card. A member of our **** Services team attempted to reach you by phone on February 26, 2024 to clarify what had happened. The appropriate adjustments were made to your credit card account as reflected on your March 3, 2024 statement. Please call our **** Services department at ************ if you have any additional questions or concerns. Again, we apologize for any inconvenience this may have caused. We appreciate your long term membership and patronage. 

• Initial Complaint

  02/14/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I opened a checking and savings account on 12/13/2023. I did this based on their false advertising that I would get paid by direct deposit up to 2 days early (didnt happen even though I get paid from Social Security which I was told the bank has special relationships with them and I could therefore get my deposit even a few days earlier. Did not happen. I wasted time and effort checking my bank two days before. It was frustrating).Another expectation based on their advertising was that I would get $200 for initiating direct deposit (also didnt happen - was told I was ineligible). Third expectation broken is that despite being issued a debit card for the day I opened my checking account, that card stopped working in early January 2024. When I login to see what could be the problem, under my cards it says it appears you have no debit or credit cards. This is disturbing at best.I linked my other bank accounts with my new MidFlorida checking and savings account so I would be able to transfer funds between them but no can do. The MidFlorida online banking/app despite allowing me to link my other bank accounts, does not facilitate external bank transfers. Leaving me with no access to my money - I have to go to a physical bank location.All this disfunction on their part and yet they have charged me $5 fees for each account for the months of Dec, Jan and Feb. I deserve those fees refunded considering my ability to use basic banking services has been handicapped as outlined above.Actions I have taken are contacting you, the Better Business Bureau and moving my direct deposit to another bank. However this process will take two months so I am stuck banking with MidFlorida Credit Union until March 2024 when my direct deposit will no longer go there. I should have googled their (bad) reviews beforehand but traditionally credit unions are supposed to be good banks. Of course I will close my accounts once my direct deposit has been moved.

  Business response

  02/26/2024

  We are so sorry this member is not satisfied with their experience with MIDFLORIDA Credit Union. Representatives from the branch have attempted to call the member several times. MIDFLORIDA will write to the member directly to address their concerns. The member may reach out to our help desk at ************ or a local branch if the member needs assistance with their accounts. 

• Initial Complaint

  01/24/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have identified certain transactions on my consumer report to be a result of identity theft. I confirm that I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. Therefore, I am requesting that the reporting of this information be removed, blocked, and deleted within 4 business days from the receipt of this letter. Account Name: ******************** Account Number: ****************Sincerely,*******************

  Business response

  01/31/2024

  MIDFLORIDA has been in contact with the member regarding this matter. If there are any additional questions or concerns, the member may contact the ************************ at **************.

• Initial Complaint

  01/11/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  this happened on 11/30/2023. I went to Mid florida bank right across the street from my house & made 2 deposits that day 1 for ****** and 1 for ******. I made the deposit for ****** at about 5:45 at the drive through. at approx. 6pm I recieved a call from Mid Florida credit union from my caller ID and a lady who sd she was from Mid Fla said are you authorizing a wire transfer to a womens name in PA. for ******* and I said absolutely NOT!! There was some ********** said she was transfer me to the fraud ***** and he was firing all kinds of stuff at me and the only thing that I did....he asked me for my debit card # and I gave to him. Remember I'm thinking the whole time it was Mid Fla because its what came over my ********* sent to police ***** He asked me to go to western union web site and show me how the scammers were trying to use that company as well as 2 more to get my money...after listening to this guy for about 8mins I hung up because it didn't sound right & I immediately called Mid fla on line & the lady said it was a scam and said I shouldn't have given my card #. But I thought it was mid fla because that is what came over my phone. I didn't know I'm not a banker & don't know. After telling Mid Fla that I didn't know it was a scam they finally on the 5th of Dec they gave me the ****** back. I had filed fraud to local police and western Union and mid florida. Well then on the 8th of Jan. I had to get a pay day loan for ****** so I could pay bills & have a little extra for me to get ***************** Florida out of nowhere took ****** back from me out of my acct. I called the bank and suspected fraud again and the lady said "we took it back from you because you knew that this fraud was going to happen" I about lost it!! She accused me of being part of the initial ********* talked to **************** told me I told the people too much ************ why we are taking the money back. OMG I NEED MY MONEY AND HOW DARE THEM FOR DOING THIS TO ME!!! Please I need my money back right away. They never contacted me the whole time this has been going on. This is decimation of character for them saying well the scammers are ok and you knew they were doing this. I'm soooo upset right now. I really need a lawyer unless they apologize right away & give me my money back now!!

  Customer response

  01/11/2024

  I also contacted Western Union Fraud case # ********* It was 10mins after the initial call and the transaction was pending. I begged them not to let it go through because it was a scam. Well they let it go through to someone in the Dominacin Republic I have the email from Western union

  Customer response

  01/11/2024

  Mid florida never contacted me 1 time to ask me my side of it also...they are crooks for taking my money. Why wouldn't they work with me?? That is not any kind of value for their clients

  Business response

  01/22/2024

  MIDFLORIDA representatives have worked directly with the member to resolve this matter. 

  Customer response

  02/01/2024

  
  I also contacted Western Union Fraud case # ********* It was 10mins after the initial call and the transaction was pending. I begged them not to let it go through because it was a scam. Well they let it go through to someone in the Dominacin Republic I have the email from Western union

  Customer response

  02/06/2024

  Thank you for following up with me. You sure are doing more than Mid Florida. I'm not satisfied with the employee at the bank had told me that I was part of the scam of the people or crooks robbing my acct. With all that mid Florida did (nothing) giving me the extra ****** which I thought was the damage they caused by taking the ****** for the 2nd time and saying I was involved in it...I thought the extra ****** was for damages rendered & then a couple days later took it back & I used it to pay the returned payments I made & still today I'm confused about all this. I do have on saved voice mail saying that they made a mistake with some admitting with giggles that they made a mistake and once again returned payments. All I want is damages caused by them with mistakes in numbers they made & the damages that I still have horrible feelings about the employee saying I was part of it! Please I need some compensation for this. They are dead wrong and the only lady that has reached out (*****) was understanding that it all was a huge mistake. I have the V/M....Thank you ****************;   & Thank you *******

   

  *******,  Not only what I wrote but they are making me pay back the ****** every month on the 20th...I can't afford to pay for that mistake & mind you the next payment isn't due till the 20th of Feb. But now they just sent this email to me see attached

  
  

  Best Regards ***************
  ************

  
  

  Business response

  02/16/2024

  MIDFLORIDA has resolved the matter directly with the member.  

• Initial Complaint

  12/14/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  this company calls everyday regarding payments. I am only two payments past due. They have been sending threatening emails regarding my payments telling me that I cannot make a partial and that I have to pay in full. The car that I received from them already has issues going on with it and I got the car at the beginning of August. All I am asking is for the threatening emails and calls to cease to a minimum. I am going to make a payment to them.

  Business response

  12/14/2023

  MIDFLORIDA Credit Union has no record of this individual being a member.

  Business response

  01/03/2024

  MIDFLORIDA Credit Union has no record of this individual being a member. 

• Initial Complaint

  12/04/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am concerned that the presence of this charged-off account on my ********************** report is not only inaccurate but is also adversely affecting my credit score and my ability to obtain credit. As per my understanding and the documentation I have, this issue was resolved, and therefore, it should no longer be reflected on my credit report.Account Name: Mid ******************************************************************** Amount Charged Off: $27,519 Amount Written Off: $18,604

  Business response

  12/15/2023

  The information MIDFLORIDA has provided to the credit bureaus is accurate as stated. As the documentation you mention states, the charge off amount is $18,604. A charge off means the credit union has written the account off as a loss although you remain legally obligated to pay the debt. Charge off accounts remain on credit reports up to seven years. Please reach out to our collections department at ************** if you have any specific questions regarding this matter.  

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩