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New Member
Bullfincher
Posts: 6
Registered: ‎02-19-2014
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

Happy I really don't think Oregon Community Credit Union cares. This was handled by their subsidiary. If they cared they would respond to people but you can see from this page they haven't. One person reported his Facebook post was removed when he asked for help too.

And they won't replace the non working cards people have unless they reapply. So is it really a compromised event.

These accounts aren't going to be unfrozen and nobody will ever be given an explanation which I think by now for many is a violation of the law because technically they will have never allowed access to the accounts which means people were defacto denied and letters were never sent.

New Member
Bullfincher
Posts: 6
Registered: ‎02-19-2014
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

I believe this qualifies as adverse action. Many would now be approaching 30 days since having their accounts adversely affected without any type of notification.

Isn't that a requirement of credit laws? If they took adverse action in closing and freezing accounts aren't they legally required to tell customers?
Frequent Contributor
Happychap
Posts: 344
Registered: ‎10-25-2011
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

I just find it bizarre that they haven't informed customers by either phone, email or letter about their frozen account.  I don't buy any data breach theory as they would be legally obliged to inform all customers and stakeholders if their personal infomration may have been compromised.  Customers have only known their accounts have been frozen by attempting to use their cards and getting 'declined' at checkout. It will be interesting to see the reason behind it all, but then again we may never know since they dont communicate with their customers.

 

New Member
Bullfincher
Posts: 6
Registered: ‎02-19-2014
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

Happy it's adverse action without notification. The clock is ticking they only have a few days left to notify customers or pay up for violations.

For those that applied more than 30 days ago and cannot still use their cards AND were denied a point of sale transaction I believe a violation may already have occurred.
Established Contributor
toi34
Posts: 503
Registered: ‎01-31-2009
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

Has anyone filed a formal complaint with the CFPB? That would have been the first thing I would have done had my card been arbritrarily frozen for a long period of time without explanation.

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Contributor
ArCpa
Posts: 103
Registered: ‎05-17-2009
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Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

The CFBP does not govern Credit Unions .

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Valued Contributor
gdale6
Posts: 9,263
Registered: ‎12-13-2013
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....


ArCpa wrote:

The CFBP does not govern Credit Unions .


It does if they have assets of 10 bil and more. Any bank or CU with assets below this threshold are supervised by their regulatory agency and the CFPB will forward compaints they receive.

EX Cred Ses 08/14: 767 ; EX Fico 04 V2 06/14: 775; EX Fico 08 07/14 778 ; EX Fico 08 BC 07/14: 800
EQ Fico 05/14 781 ; EQ MPM 07/14: 721
TU Fico 8 07/14: 719; TU MPM 06/14 706
New Member
Bullfincher
Posts: 6
Registered: ‎02-19-2014
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

If they don't clear these accounts by the end of the week I will file every complaint possible. I do believe this is clear adverse action with a failure to notify. It's going on a month for many of us without explanation.

They granted people credit and sent cards in the mail. Cards were activated but have never been usable. There has never been a notification as to why and people are reporting POS transactions are being denied and all communications ignored.

I wonder if they realize how potentially serious and costly these violations are?
Regular Contributor
xerostatus
Posts: 206
Registered: ‎05-09-2013
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....


Bullfincher wrote:
If they don't clear these accounts by the end of the week I will file every complaint possible. I do believe this is clear adverse action with a failure to notify. It's going on a month for many of us without explanation.

They granted people credit and sent cards in the mail. Cards were activated but have never been usable. There has never been a notification as to why and people are reporting POS transactions are being denied and all communications ignored.

I wonder if they realize how potentially serious and costly these violations are?

If and when you do, I would also like to jump on the bandwagon. It might be helpful if you posted an appropriate link and/or sample template of aforementioned complaint(s). I for one don't think this can be dismissed as a "oh well" situation and that we should just quietly back down. I have never heard of anything so disgraceful (and I bank with Chase, fer cryin' out loud) from a financial institution. I want this whole snafu to at least sting a little bit for them.

Valued Member
Maddog_
Posts: 45
Registered: ‎10-21-2013
0

Re: OCCU Duck and Beaver cards compromised. Keep an eye on your accounts....

[ Edited ]

My account has been frozen since Jan 25th.  I found out when I called Customer No Service on 2/18 to do a BT.   I have not been able to get a human being at Card Services or OCCU to tell me the truth.  I logged into my account today and for the first time everthing is gone.  Looks like I have been cancelled without being told I am cancelled. Burned by the duck.  Now, what about the AAoA burn and the inquiry burns on my account ?  This is so unfair !

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