MAZUMA CREDIT UNION CEO BRANDON MICHAELS TRYING TO FORCE ME TO JOIN AN OPT-IN PROGRAM SO THEY CAN CHARGE FEES KANSAS CITY Missouri

In June 2014, my card was declined when I tried to make a purchase.  I called the credit union I left the establishment.  They told me I had gone negative in my account, but that a deposit had come in and I was now positive.  They suggested that I opt-in to the program that would allow them to cover any overdrafts.  I declined.  I told them that I would prefer to not pay $7- for chipotle and then add a $28- fee to the price of the meal.  They let me know that they would not reactivate my ATM card.  I told them that they couldn't force me to participate in a program that I had to 'opt-in' to.  I told them to feel free to  to decline my card anytime I go negative in my account, but I will not consent to join a program that will charge me $28- to cover a small transaction.  I have spoken to several managers in their customer service center and left messages for the President/CEO Brandon Michaels.  But to this date (Oct 16, 2014)- four months later, they still will not reactive my ATM card. I have thousands of dollars in their bank and they will not activate my ATM card.  I am forced to go to the bank to conduct any business.  The ATM card will not even work at their bank branch ATM's.  I cannot even do a deposit at the branch ATM machine.  They are trying to blackmail me into joining a program designed to help them steal my money.  But because I am fighting back, they are trying to punish me. 

This is a crime and they should be investigated!  I plan to change banks as a result of their business practices, but I also believe that people should stand up to these types of practices. i have filed a complaint with the state agency that regulates credit unions.   And I should also note that i do not have ahabit of going negative in my account.  I am sure i had not had an overdraft in over 2 years. So they cannot claim that i habitually go negative in my account.   I am an excellent customer, but I refuse to join the program.  They refuse to tell me how they can force me to join a program that i Have to opt-into.  They just keep refusing to reactive my ATM card.  Instead, whenever i call customer service about the issue, they simply mail me another letter explaining how opting-in will save me the embarassment of being declined.  And then they say, it i am not worried about going negative, I shouldnt have a problem opt-ing in.  I told them it was the principle of the issue.  It's not a choice if they can make me do it, so i refuse to do it.