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OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

Member

OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

I had an unauthorized transaction on my OCCU Duck card back in December and they also failed to post a credit to my account for a refund given at Wal-mart.

 

I've sent secure messages (which still remain unanswered), called (was told to write to the address on my statement with details of the transactions) and written several letters informing them that there have been errors but heard nothing back.

 

I sent the first secure message back at the end of December 2013 and sent the first letter mid January. I just sent another letter by certified mail a few weeks ago.

 

The unauthorized transaction and missing credit add up to over $800 so i'm not too impressed with OCCU. I know they are supposed to acknowledge my complaint in writing within 30 days after recieving it. It's already been longer than 30 days since I sent the first letter but i've not had any response, not even a phone call from them.

 

The first letter was sent by regular mail though. Subsequent letters were all sent using certified mail. For the certified mail letters it will be 30 days in 3-4 days time. I'm not sure how to proceed if I don't hear back from them. I guess i'm going to need a lawyer? :smileysad:

Message 1 of 17
16 REPLIES
Established Contributor

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

What a disaster this CU and their cards have become! Sorry to hear this....one horror story after the other keeps coming through these boards. This 'mom and pop' CU could not handle the sheer magnitude of applications for their cards.

File a complaint with the CFPB.

May 2013 Starting Scores: 540's-570's
July 2016 Scores: 654-705 ...No Lates, CA's or CO's, new car + high Util
Current Cards: SDFCU Secured ($300); Logix Secured ($500); Tobyhanna/Penfed FCU ($5000); NFCU CLOC ( $15,000); NFCU Refi ($18,144) Sony Visa ($3000); Apple PC'd to Rewards MC ($1200); Barclay Rewards MC ($1300); B&N ($500); Discover ($1000); 'Credit Steps' ($2300), QS One ($750);Care Credit ($9000); US Bank Platinum ($5000); Fifth Third SU2C ($3000); Kay's/Jared's ($4700); Target ($2000); Fingerhut/Gettington ($2250); **All my favorite retail cards ($61,000)..Luv'Em..they get heavy use!
Message 2 of 17
Moderator

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

As stated the CFPB is your friend, they won't be able to handle it as OCCUs assets are less than 10 bil but they will fwd it to OCCUs regulator, the FTC is also your friend.


"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 3 of 17
Member

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

I've filed a complaint with the CFPB and the BBB.

 

I can't believe how much hassle this is causing. I've had many different credit cards over the years and never had an experience like this where a complaint isn't even acknowledged.

Message 4 of 17
Frequent Contributor

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

Yikes! Any transaction disputed should at least be credited while an investigation take place. This CU has really managed to fall from high above overnight. One day the best CU anyone had heard off,  to the next day being a complete disaster that everyone should avoid. I guess they couldn't handle there fame well.

Message 5 of 17
Super Contributor

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

Allow me to chime in.

THIS MUST END!

Enough is enough, there long since needs to be a concerted effort with all appropriate federal agencies/regulators and regional one's plus lawyers to confront this issue once and for all, PERIOD!

Enough said.
Message 6 of 17
Regular Contributor

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

I was wondering what happened to all the 'OCCU is great they just approved me for a $15k limit" threads I was reading in December...

 

http://www.bankrate.com/rates/safe-sound/financial-statements.aspx?cuid=65856

 

If it seems too good to be true... it probably is.

Message 7 of 17
Established Contributor

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account


TRC2k13 wrote:

I was wondering what happened to all the 'OCCU is great they just approved me for a $15k limit" threads I was reading in December...

 

http://www.bankrate.com/rates/safe-sound/financial-statements.aspx?cuid=65856

 

If it seems too good to be true... it probably is.


Same here, numerous threads of people so excited to get the "Duck" card.  I looked into it out of curiosity but never saw what the big deal was (unless your a huge fan of the Ducks).  Looks like that turned out to be not such a great card to get.  Good luck to those who got burned, hope you see that money back!

Message 8 of 17
Regular Contributor

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

I admit I fell for the hype.

 

Applied and was denied for too many inquiries.

 

I was unhappy at the time but have been counting my blessings ever since the first thread about compromised accounts.

 

My Gaurdian Angel had my back on this one.

 

 

Message 9 of 17
Member

Re: OCCU Duck Card Unauthorized Transaction + Refund Not Posted To Account

I don't know what their problem is but they couldn't even reply to a secure message I sent back in December. Since then i've sent four letters and not gotten a single response.

 

Given everything i've read on this forum it looks like they have some serious litigation coming their way and for good reason.

Message 10 of 17