ED Magedson – Founder
Fairwinds Credit UnionOrlando, Florida USA
Fairwinds Credit Union Unfair business practices, sent to collections, no notice Orlando Florida
This year, I stopped using my Fairwinds account because their customer service is lack luster. I've been jerked around by this institution and they don't care. Anyways, after NOT using my single checking account for a couple of months I decided I should go ahead and close it, since I found a new bank that I like and I took my business there. Well, when I got to the bank to close my account I was informed I could not close it because my account was in the negative. Funny, since I hadn't used it!! So then the clerk proceeds to tell me that the account is negative BECAUSE I haven't used it; they were charging me a monthly maintenance fee. Wow, OK...I guess I forgot about that "rule" that you have to have a direct deposit at least hit your account for them to NOT charge the maintenance fee. The problem is, THEY NEVER NOTIFIED ME of this activity. I received NO statements, NO collection notices, NO phone calls, emails, or letters. And of course, I wasn't looking for any statements because I knew I was taking my money elsewhere, I knew I didn't have any transactions going through, and that I was going to close the account.
I wonder how far they would have let this go until they sent it to TRS/TeleCheck. Would they let it rack up a couple hundred dollars and THEN send notice in the form of a letter from a collection agency? I think so. Luckily, I only had to pay 18 bucks to close my account.
Moral of the story: Don't trust them to fairly handle your account by sending you the basic and necessary communications that would allow you to avoid these situations and maintain your account, like bank statements.
This report was posted on Ripoff Report on 07/26/2013 09:24 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fairwinds-Credit-Union/Orlando-Florida/Fairwinds-Credit-Union-Unfair-business-practices-sent-to-collections-no-notice-Orlando-1070488. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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