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Marilee J. Layman

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04:53 am: The Credit Union Misdeeds

I haven't been very well recently, still having problems walking much and a lot of pain. The credit union kind of added to that.

I had an item I didn't buy come in on my Quicken from the credit union and I went and checked my account on their website and it was there, too. I tried to find out what it was, but even Googling for too long didn't help. I went in to see a staff member and he looked too and when he couldn't figure out what it was, he had me fill out a paper. I got a notice that I had to come in and get a new card.

I did that this past Tuesday -- I not only got a new card, but had to make a PIN. I wasn't expecting that because they gave me a PIN with the first card (this CU just bought my former one), so I just grabbed four numbers and put them on the PIN machine twice. The guy who was working on the new card & PIN told me I couldn't use it until after 5pm the next day (Wednesday).

I started buying three SF ebooks from Amazon and my card kept being declined, except I didn't know that. I couldn't figure out why the system kept sort of keeping the orders without going further. I finally looked at my regular account and found that the card was declined. I thought maybe the computer didn't know about 2/29 (decades ago, I knew a computer who did that) and I started again Thursday. Still didn't work. I contacted and said I had all these orders that were just in the wind and I'd like them to cancel them and I'd find out about the card and start over. I got an answer that said no problem with canceling as soon as I had the card fixed.

I called the credit union's member service and the guy I got had to keep putting me on hold. It turned out that the guy who made the new card didn't transfer the account properly and I could use it in five minutes. Great! So I just paid for the three. Today/Friday, I went to get money because my wallet was empty and the ATM kept telling me I had the wrong PIN. I went inside and went through all this with one teller, who asked one of the others to rePIN my card. I had already planned a number on my way indoor, but again, the card can't be used until Saturday after 5pm. I ended up using a form to withdraw $100 so I had money, not that I've used it yet.

When I got home, I'd been up 3.5 hours today and went to bed, sleeping 3.5 hours. I got up and watched a couple shows and then came over to the computer and Quicken showed me that Amazon charged me for all my orders, even though only the three are in my Amazon library. So I contacted them again. No answer yet.

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Comments

[User Picture]
From:kip_w
Date:March 4th, 2012 01:44 am (UTC)
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Sorry to hear about the aggravation. My card got switched off because they couldn't figure out what a payment was for. It finally turned out to be the renewal of my flickr account and I got my card back with the same old PIN so I didn't have to learn a new one.

Starting Thursday, I will be off on a protracted adventure that will separate me from Cathy and Sarah for sixteen days while I go help my sisters with Dad, who is being taken back to Texas for a while.
[User Picture]
From:mjlayman
Date:March 5th, 2012 12:28 am (UTC)
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I'm sorry your Dad is moving again. That's got to be difficult for all of you. My credit union will change cards, which I don't mind so much because this second one is much easier to learn, but it had to get a new PIN,and I hadn't expected that.
[User Picture]
From:kip_w
Date:March 5th, 2012 12:33 am (UTC)
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He's not moving. He'd like to, but he has a way of not thinking to tell anybody when he has a stroke, so instead, the four of us are taking turns being somewhere around while he gets 5 or 6 weeks back in Texas. We also hope to wrap some things up, like selling the mobile home he has down there and such.

Edited at 2012-03-05 12:34 am (UTC)
[User Picture]
From:mjlayman
Date:March 5th, 2012 12:52 am (UTC)
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Oh, I see. That definitely makes sense. I wonder if he realizes how good his kids are.
[User Picture]
From:skylarker
Date:March 4th, 2012 06:57 pm (UTC)
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That sounds like way too much aggravation. I hope the rest of your week goes much more smoothly.
[User Picture]
From:mjlayman
Date:March 5th, 2012 12:28 am (UTC)
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Thanks! I know you've been busy, and I hope your week goes smoothly, too!
[User Picture]
From:skylarker
Date:March 5th, 2012 12:56 am (UTC)
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Thank you! Yep, with the deadline for material for the MiniCon 47 program book coming up, I've got one more project to add to my list. :)
From:(Anonymous)
Date:March 5th, 2012 02:23 am (UTC)
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How frustrating! Hope it all works by now.
Doris
[User Picture]
From:mjlayman
Date:March 6th, 2012 12:23 am (UTC)
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The card is working, but I've already been stupid about changing to this number on accounts!
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