no100player
Junior Member
What is the name of your state (only U.S. law)? California
Good evening all,
Here's the history.
My wife contacted Credit Union A. to pay a closed Visa card. Her old Visa card bill was incurred before we married, and even before we met. My wife and I keep 3 account, one is hers, one is mine, and the other is joint. Last month, my wife paid Credit Union A using the information from MY credit union (Credit Union B) with my expressed authorization.
This month when she contacted Credit Union A to make a payment, she authorized the withdrawal from her Bank (like she normally does with the exception of last month). She specifically stated that the funds were to be withdrawn from her bank account.
Upon looking over our joint and single accounts a few days ago, I noticed that Credit Union A attempted to withdraw funds from my personal Credit Union. As I do not have it set up that funds will be transfered from my savings to checking for overdraft, the ACH bounced, thus incurring a $30.00 fee.
I then checked her bank account and a check was put through the same day also.
When we contacted Bank A (conference call) the rep. stated that he had made a mistake and put a payment through my credit union (credit union B) (and assumed (even though my wife had specifically stated where to remove the funds from) that he would just use the last payment account for the current transaction) but he could not answer when I asked him why a payment had been taken out of my wife's personal account the same day their ACH had bounced at my credit union. Needles to say, in the past, this same issue has occurred.
Are there any actions I can take? My credit union has reversed the fee, but it was a lengthly process that should never have happened, and wasted a lot of my Saturday. The way I see it, is that Credit Union A in some form had attempted to steal from me. And if it was a mistake to attempt to withdraw funds from my credit union, then why was it that they still took funds from the only authorized account, an account that they supposedly thought was not the account to be used.
To reiterate it, Credit Union A did at no time have authorization to withdraw funds from my account whether by myself or my wife.
To all the replies, thank you for your help.
Good evening all,
Here's the history.
My wife contacted Credit Union A. to pay a closed Visa card. Her old Visa card bill was incurred before we married, and even before we met. My wife and I keep 3 account, one is hers, one is mine, and the other is joint. Last month, my wife paid Credit Union A using the information from MY credit union (Credit Union B) with my expressed authorization.
This month when she contacted Credit Union A to make a payment, she authorized the withdrawal from her Bank (like she normally does with the exception of last month). She specifically stated that the funds were to be withdrawn from her bank account.
Upon looking over our joint and single accounts a few days ago, I noticed that Credit Union A attempted to withdraw funds from my personal Credit Union. As I do not have it set up that funds will be transfered from my savings to checking for overdraft, the ACH bounced, thus incurring a $30.00 fee.
I then checked her bank account and a check was put through the same day also.
When we contacted Bank A (conference call) the rep. stated that he had made a mistake and put a payment through my credit union (credit union B) (and assumed (even though my wife had specifically stated where to remove the funds from) that he would just use the last payment account for the current transaction) but he could not answer when I asked him why a payment had been taken out of my wife's personal account the same day their ACH had bounced at my credit union. Needles to say, in the past, this same issue has occurred.
Are there any actions I can take? My credit union has reversed the fee, but it was a lengthly process that should never have happened, and wasted a lot of my Saturday. The way I see it, is that Credit Union A in some form had attempted to steal from me. And if it was a mistake to attempt to withdraw funds from my credit union, then why was it that they still took funds from the only authorized account, an account that they supposedly thought was not the account to be used.
To reiterate it, Credit Union A did at no time have authorization to withdraw funds from my account whether by myself or my wife.
To all the replies, thank you for your help.
