Comments on: Sometimes “Sorry” Isn’t Good Enough http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/ Time and Money Saving Tips from Thrifty Mommy Sat, 05 Dec 2009 05:58:19 -0500 http://wordpress.org/?v=2.8.4 hourly 1 By: Elizabeth http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-8322 Elizabeth Sat, 23 Aug 2008 23:34:42 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-8322 I bank at a cu also and they have put a hold on some checks above a certain dollar amount. Last time they put a hold my husband had written me a high dollar check (we have seperate accounts) and they put a 10 day hold on it. I wrote a letter as the check cleared his bank in 2 days. I went straight to the president of the c.u. and he replied and said they will notate my account and lessen the hold to 3 days as long as his account is still local. If someone goes on a trip out of town they ask that people let them know where so when they see the abnormal spending on the acct, they will not put a hold on it. Have to admit it was great when we were on vacation and they lifted the $xxx daily debt card limit do to the limit. I love my credit union, much nicer and flexible then the traditional bank I use to use and will never go back! I bank at a cu also and they have put a hold on some checks above a certain dollar amount. Last time they put a hold my husband had written me a high dollar check (we have seperate accounts) and they put a 10 day hold on it. I wrote a letter as the check cleared his bank in 2 days. I went straight to the president of the c.u. and he replied and said they will notate my account and lessen the hold to 3 days as long as his account is still local.

If someone goes on a trip out of town they ask that people let them know where so when they see the abnormal spending on the acct, they will not put a hold on it. Have to admit it was great when we were on vacation and they lifted the $xxx daily debt card limit do to the limit.

I love my credit union, much nicer and flexible then the traditional bank I use to use and will never go back!

]]> By: Loraine http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-8281 Loraine Fri, 22 Aug 2008 12:48:06 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-8281 I had a very similar experience with a credit union. The bank - where I now have my accounts - was appalled at how they handled it. That's why I'm not using a credit union anymore. I had a very similar experience with a credit union. The bank – where I now have my accounts – was appalled at how they handled it. That’s why I’m not using a credit union anymore.

]]> By: I Won a Bronze Metal http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-8304 I Won a Bronze Metal Thu, 21 Aug 2008 16:53:28 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-8304 [...]  Yesterday, Kaye from Mrs. Nespy’s World awarded me with a bronze metal for one of this week’s posts, Sometimes “Sorry” Isn’t Good Enough.  [...] [...]  Yesterday, Kaye from Mrs. Nespy’s World awarded me with a bronze metal for one of this week’s posts, Sometimes “Sorry” Isn’t Good Enough.  [...]

]]> By: Tami http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-8290 Tami Wed, 20 Aug 2008 17:52:59 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-8290 We have deposited large checks before and they always hold them. If we write a large check to someone, they usually call and find out what is going on. But we've never encountered the whole account being held. That is pretty ridiculous. I don't really have any advice but I would go all the way to the top to get some answers and ask to see where there is a policy written about that. We have deposited large checks before and they always hold them. If we write a large check to someone, they usually call and find out what is going on. But we’ve never encountered the whole account being held. That is pretty ridiculous. I don’t really have any advice but I would go all the way to the top to get some answers and ask to see where there is a policy written about that.

]]> By: Kaye http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-8282 Kaye Wed, 20 Aug 2008 14:32:14 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-8282 How incredibly frustrating for you! I'm sorry you had to experience this and I would be right there with you demanding better service...especially after being a long-time customer. CONGRATULATIONS! You have won the Mrs Nespy’s Frugal World Bronze Medal for August 19th. Go to http://mrsnespy.googlepages.com/grabyourmedalhere to get the code to post your medal if you’d like. Thanks for the great writing! How incredibly frustrating for you! I’m sorry you had to experience this and I would be right there with you demanding better service…especially after being a long-time customer.

CONGRATULATIONS! You have won the Mrs Nespy’s Frugal World Bronze Medal for August 19th. Go to http://mrsnespy.googlepages.com/grabyourmedalhere to get the code to post your medal if you’d like. Thanks for the great writing!

]]> By: Karen http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-7496 Karen Tue, 19 Aug 2008 23:32:41 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-7496 lol @ Tanyetta lol @ Tanyetta

]]> By: Karen http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-7559 Karen Tue, 19 Aug 2008 23:32:03 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-7559 Laura: Actually, they can freeze part of the account. They were supposed to put a hold on the $4000, but instead they put a watch on my account, which freezes all of the funds. I told them they should have only frozen the $4000 because I had plenty of money in the bank. They gave me a lame excuse - They said they weren't sure if the rest of the funds would be taken out (by me) and then they wouldn't have money to cover the check. I told them that based upon my credit rating, the amount of money in my account, and the number of years I've with them, that they shouldn't have made such a harsh call. I asked if they would have frozen someone's account that had $100,000. They said no, because that person had money to cover the bounced check. Guess what? I do too!!!! At this point, I'm still uncertain about what I'm going to do. Laura: Actually, they can freeze part of the account. They were supposed to put a hold on the $4000, but instead they put a watch on my account, which freezes all of the funds. I told them they should have only frozen the $4000 because I had plenty of money in the bank. They gave me a lame excuse – They said they weren’t sure if the rest of the funds would be taken out (by me) and then they wouldn’t have money to cover the check. I told them that based upon my credit rating, the amount of money in my account, and the number of years I’ve with them, that they shouldn’t have made such a harsh call.

I asked if they would have frozen someone’s account that had $100,000. They said no, because that person had money to cover the bounced check. Guess what? I do too!!!!

At this point, I’m still uncertain about what I’m going to do.

]]> By: Laura http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-7483 Laura Tue, 19 Aug 2008 23:23:47 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-7483 I am guessing they don't a have a way to just freeze part of an account. It does seem like they should just hold the check for the 4K to clear and your account shouldn't be frozen. It isn't like you wrote the bad check. If it was me I would probably just take the sorry, be mad for a day and keep my account at my CU. So now that you know the policy on how they will handle that situation will you move to another bank? I am guessing they don’t a have a way to just freeze part of an account. It does seem like they should just hold the check for the 4K to clear and your account shouldn’t be frozen. It isn’t like you wrote the bad check. If it was me I would probably just take the sorry, be mad for a day and keep my account at my CU. So now that you know the policy on how they will handle that situation will you move to another bank?

]]> By: Karen http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-7764 Karen Tue, 19 Aug 2008 21:00:13 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-7764 Kristy: I deposited the check through the ATM and I received a letter from the credit union saying that funds for the check wouldn't be available for a week. I expected that though. They wanted to make sure the check would clear. But to put a freeze on the rest of my money is unacceptable. Kristy: I deposited the check through the ATM and I received a letter from the credit union saying that funds for the check wouldn’t be available for a week. I expected that though. They wanted to make sure the check would clear. But to put a freeze on the rest of my money is unacceptable.

]]> By: tanyetta http://www.blisstree.com/thriftymommy/sometimes-sorry-isnt-good-enough/comment-page-1/#comment-7644 tanyetta Tue, 19 Aug 2008 20:45:17 +0000 http://www.thriftymommy.com/sometimes-sorry-isnt-good-enough/#comment-7644 Navy Federal Credit Union! They have never let me down. As far as your bank, I'm not really clear on why they held up the $4K check. Maybe it was a red flag for some reason. My bank would prolly red flag my account because they would wonder where the heck I got such a large sum of money. LOL ;) Navy Federal Credit Union!
They have never let me down.

As far as your bank, I’m not really clear on why they held up the $4K check. Maybe it was a red flag for some reason. My bank would prolly red flag my account because they would wonder where the heck I got such a large sum of money. LOL ;)

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