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Review 4/19/2011
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This company makes their money through deceitful and outright bad business!
I started a "FREE" checking in good faith with account with Altura Credit Union in August of last year. I was told there wouldn't be any checking fees. I just had to pay a sign up fee which was around $10.00 and was told I didn't have to pay any more. They said it was going to a charity so i figured that was ok. I opened the account so 3 credit card companies could automatically take payments (E-check) out every month and I really didn't use the account for much else. I kept my balance in my checkbook and wrote down every transaction.
I go into a branch to cash a check and they tell me my account is overdrawn even though my books say I am not overdrawn. I ask the teller to print me out a statement from the past two months and guess what I found? They've been charging me $5.00 a month on my "FREE CHECKING" account. I asked the teller what this was about and she said that they sent me a notice that they were going to start charging me a fee for "FREE CHECKING". I never got this notice. I called the company and talked to multiple representatives from Altura basically telling them "I didn't know you were charging me for free checking now and asked for them to reverse the overdraft charges because they never notified me of the new fees." Now you would think just to keep a customer that they would reverse the charges because most banks have the courtesy and understanding to let the few first charges go as mistakes on either part. Ive banked with other banks and ALL have worked with me but only on the first one or two overdrawn charges even when its my fault. Altura wouldn't even work with me when it wasn't my fault. Now they tell me I have to pay or they will report it on my credit and send it to a debt collector.
So to make a long story short... DON'T DO BUSINESS WITH ACU! THEY WILL LIE AND DECEIVE YOU. ONCE THEY HAVE YOU AND YOU OWE THEM THEY WILL NOT SHOW ANY COMPASSION AND THEY WILL HOLD YOUR CREDIT AS RANSOM! I DOUBT ACU WILL LAST VERY LONG. THEY SAY THAT THEY ARE NON-COMMERCIAL BANKING BUT THEY ARE MORE DECEITFUL THAN COMMERCIAL BANKS.
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