• Report: #996524

Complaint Review: LANDMARK CREDIT UNION

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  • Submitted: Mon, January 14, 2013
  • Updated: Mon, January 14, 2013

  • Reported By: EHOUSTON19 — RACINE Wisconsin United States of America
LANDMARK CREDIT UNION
1931 GROVE AVENUE RACINE, Wisconsin United States of America
  • Phone: 2628228157
  • Web:
  • Category: Banks

LANDMARK CREDIT UNION CLOSED BANK ACCOUNTS WITHOUT NOTICE RACINE, Wisconsin

*Consumer Comment: Nice Try...

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Landmark CU closed my accounts both business and personal because I was scammed,A check was deposited. I didn't deposit the check. Someone impersonting my wife. And after 5 days the check so called cleared. I withdrew the funds. Four days later it was reported electronically in sufficent funds. My personal account went negative. While my business wasn't. Then Landmark acted punitively against me and only closed the business account. Which didn't have anything to with the personal. Only keep the personal checking open depositing money and closing my savings account. Now corporation, and individuals have problems with people all time and there certain electronic safe guards that are available to keep the customers safe from this kind of element. These weren't available nor were they offered. I treated as if I robbed their bank, If these were presented if could opted for and been protected from these things.

This report was posted on Ripoff Report on 01/14/2013 10:23 AM and is a permanent record located here: http://www.ripoffreport.com/r/LANDMARK-CREDIT-UNION/RACINE-Wisconsin-53403/LANDMARK-CREDIT-UNION-CLOSED-BANK-ACCOUNTS-WITHOUT-NOTICE-RACINE-Wisconsin-996524. 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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#1 Consumer Comment

Nice Try...

AUTHOR: Robert - (U.S.A.)

I didn't deposit the check. Someone impersonting my wife. And after 5 days the check so called cleared. I withdrew the funds.
- So here is a question.  If someone impersonating your wife deposited the check,  why instead of reporting this "fraud" to the Credit Union did you withdraw the funds after 5 days?

You didn't give any details of this "check", but I would hope that you were not so dumb as to fall for one of the hundreds of check scams out there.  So sorry if this comes off as rough, but starting off your "ripoff" saying that someone who was impersonating your wife deposited a check, but you withdrew the funds a few days later doesn't have you looking so good. 

As for "safeguards" the best safe-guard is "common sense".  But beyond that the bank and credit union has certain rules it must follow in making the check available.   Just take a look at Regulation CC and you will see that they must make the funds available after a certain amount of time..even if it hasn't actually "cleared".  It is very likely that this was a "scam" check and the credit union now no longer wants to take a risk on any of your accounts.  As such they closed your account.  Just like you have a right to close your account at any time without notice, they have that same right.  And neither of you have to give a reason.

Now, if by some chance this was a legitimate check that the person just didn't have the funds.  Then go after them for all of the expenses(time and cost) that you have had to incur because of their bad check.
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