NASA update

[Anonymous]

I guess the topic got moved to an area where nobody goes on these forums, so I thought I would post an update to the NASA FCU situation/ aka charge off for misuse aka I never used the checking or savings account. Called in today to get my account reinstated, put $100 in and called it a day.

As for those of you with idle accounts, I suggest you monitor the account, as they seem quick to send things to collections. Now had I kept the account closed it may have gone to paid charge-off. It's ridiculous and and a reminder how easy it is to have your credit ruined by some of these companies.

So BEWARE NASA USERS

[Anonymous]

So was it checking or savings? I think the savings is ok to to leave idle since it's needed for membership.

[Anonymous]

It was the checking. They just started charging me in the month of May which makes no sense. (I would assume they would charge me the entire duration)

[cem13]

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@Anonymous wrote:
It was the checking. They just started charging me in the month of May which makes no sense. (I would assume they would charge me the entire duration)

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I guess I am having a hard time understanding what happened?  Are you saying that NASA started to charge a non-use fee on their checking account in May when they did not in April?  Why did they start charging you a fee?

So they charged you a fee and depleted your checking account funds?  Did you go negative?  Did they send you letters/emnail saying you are negative?

I find it hard to believe that any Bank/CU would give you a charge off without sending you to collectons first.  The FDCPA is very precise in how debtors can collect money.  Are you saying NASA violated the FDCPA?

I need much more data to form an opinion.

[Anonymous]

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@cem13 wrote:

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@Anonymous wrote:
It was the checking. They just started charging me in the month of May which makes no sense. (I would assume they would charge me the entire duration)

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I guess I am having a hard time understanding what happened?  Are you saying that NASA started to charge a non-use fee on their checking account in May when they did not in April?  Why did they start charging you a fee?

So they charged you a fee and depleted your checking account funds?  Did you go negative?  Did they send you letters/emnail saying you are negative?

I find it hard to believe that any Bank/CU would give you a charge off without sending you to collectons first.  The FDCPA is very precise in how debtors can collect money.  Are you saying NASA violated the FDCPA?

I need much more data to form an opinion.

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http://ficoforums.myfico.com/t5/Personal-Finance/NASA-Federal-Credit-Union/td-p/4081536

More data ^^

[Anonymous]

^^^^^^^^

[-Cal-]

Are they going to continue to charge you a maintenance fee? or does the $100 balance waive the fee? 

[Anonymous]

Not sure they didn't go over anything with me, I just put $100 in case any new fees accrue. All I know, is in about 30 days (or next statement closing) I am going to close everything with NASA. Was planning on using them for a refi, but I don't need this out of nowhere collection/charge off letter. No warning = no business from me.

[Anonymous]

I had the account reinstated* took a little convincing btw *

[B335is]

Appreciate the heads up Centurion. Thanks!