Report: #1405558

Complaint Review: security service federal credit union

  • Submitted: Wed, October 11, 2017
  • Updated: Wed, October 11, 2017
  • Reported By: johninsotexas — helotes Texas USA
  • security service federal credit union
    9253 n lp 1604 w
    san antonio, Texas

security service federal credit union Non-Posting of Charges, Then post day later with nsf fees san antonio Texas

*General Comment: NSF postings---

*Author of original report: different day, different explaination

*Consumer Comment: You have it backwards

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SSFCU charges NSF fees in a fishy way. This happens a lot. for instance, I was charged 2 NSF fees totalling $65, SSFCU didn't post them to my acct. on the day they paid them 10/10, instead they waited until the next day 10/11 the same day I deposited funds. On a different occaision when they made this same error they charged back the NSF charges, this time they didn't. this holding back of postings happens a lot, and they give different excuses why they took your money. It appears to me they strive to charge these fees. If i'd known my debits had gone through when they claim they did by posting them the day they claim it went through I'd accept that, but, waiting a full day to post it, doesn't seem right.


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This report was posted on Ripoff Report on 10/11/2017 09:16 AM and is a permanent record located here: 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. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 General Comment

NSF postings---

AUTHOR: Striderq - (USA)

All financial institutions that I know of post OD fees and NSF fees the same way. If something is paid into the negative, the OD fee for that item(s) will post the same day as the transactions. If something is returned unpaid, the NSF fees for that item(s) are bposted the next business day. If you have an OD on the 10th, the OD fee posts the 10th. If you have an NSF on the 10th, the NSF fee posts on the 11th.

Not sure from your posts about the disappearing NSF fees. You say they were "charged back", I'm not sure if you mean they were refunded or what happened to them. I'd need a better explanation to understand.

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#2 Author of original report

different day, different explaination

AUTHOR: - ()

It's a new explaination today. Why were NSF fees removed the last time SSFCU did this to me?. Not because they were nice, because they messed up then too....

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#3 Consumer Comment

You have it backwards

AUTHOR: Robert - (USA)

A banks and Credit Unions post transactions per the terms and conditions of the account that you agreed to.  They do not hold them for a day or two until they feel like posting them.  

The fees can get posted the next day due to timing.  When they attempted to post the check on the 10th, you had insufficent
funds.  As a result you are assessed a fee. But that fee comes in after their cut-off time for transactions for the 10th so it gets counted as the next business day, in this case the 11th.

However, it is YOU who should be aware of your account balance and transactions.  If you say this happens a lot, perhaps you should reevaluate your account management strategy.  Which I would bet right now consists of you waiting for them to tell you when you are out of money.

The first thing you need to do is to start using a WRITTEN register, and everytime you write a check, swipe your debit card, or do a transaction on-line you MUST write it down so you know what the balance is.  If you don't  have one or don't know how to use one, I am sure that if you go into the branch they would be more than happy to assist you.

Then while this is common sense for most people it still has to be stated. In addition to keeping a register DO NOT spend more than your register shows that you have thinking you can just "float" the funds. Because you can not beat the money back to the bank and this is a sure fire way to build up additional fees.

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