Finally, a few weeks ago I stopped by the bank and took the can inside.  I figured I had $25-30.  I was so surprised when the ticket printed out.  I had $71!!!!  Yeehaw!  That was good news to me! 

Do you save your spare change or spend it?  Lately, I’ve been finding dimes and nickels in parking lots.  That’s more for me! 

Post from: Thrifty Mommy

We arrived home Saturday morning and I called the 800 number for Raleigh SECU customer service.  The rep told me that the $4000 check I had deposited to my account was going to be returned.  I had deposited a $4000 check, but was not aware of its status. 

I was told that my account was put on watch (basically frozen) because of the check.  I asked that my account be unfrozen and the rep told me that only the person who put on the watch could remove it.  Of course, I did not accept “no” for an answer and I asked to speak to someone that could do something about it.  I was put on hold and within a few minutes she came back and told me that the watch had been lifted.

Monday morning rolled around and I spoke to one of the managers at my local branch.  I wanted answers for why my entire account was frozen.  I could see freezing the $4000, but not the rest of MY MONEY!!!!

So far, I’ve spoken to one of the branch managers, the teller manager, and the district vice president and I don’t feel that their answers are good enough.  I’ve been given reasons about identity theft, making sure the money was there when they went to collect, and “I’m sorry”. 

My major issue with all of this is that they just didn’t freeze the $4000.  That would have been understandable.  But no, they froze my entire account.  That money is MINE.  I worked hard for it.  I saved it.  I stretched and pinched during hard times to make it last.  And now, all they can offer is “I’m sorry”?  I’m all for forgiveness, but I don’t feel like “I’m sorry” is good enough.  The vice president said he couldn’t guarantee that this wouldn’t happen again. 

I’ve been a member of SECU for more than 15 years and I find this practice absolutely unacceptable.  What do you think about this situation?

Post from: Thrifty Mommy

We got back into town and Saturday I called the bank.  A hold had been put on our account because a check someone wrote me was returned.  I could see putting a hold on the funds that were bad, but what about the rest of MY money???? 

I asked that my account be reinstated.  The customer service rep from my credit union told me that they couldn’t reverse the hold, that only the person that put the hold on the account could take it off.  I told her that if she couldn’t reverse the hold then I needed to speak to someone that could.

The whole point of this story is that you shouldn’t just take “no” from the first person you talk to.  When you call your credit card company and the person doesn’t want to negotiate a better deal, then ask to speak to their supervisor.  When the mortgage company doesn’t want to waive the late fee even though you’ve been late before, then ask to speak to someone else.

Do you take “no” or do you move up the chain of command?

Post from: Thrifty Mommy

Post from: Thrifty Mommy