State Department Federal Credit Union

Last month my "mobile deposit privileges" were suspended because I was using the funds I deposited immediately to make payments on bills and transfers to family members (within the same institution!) because, silly me, I interpreted the words "deposits of less than $1,000 are available immediately" to mean that the money was mine to do with what I wished. After much back and forth with various representatives and a board member, I was informed that those privileges would remain suspended for six months because I had triggered some sort of alarm in the loss prevention department.

I was so done with the whole thing that I let it go, until today that is, when I found out that a deposit that was made in person for me via teller was not credited to me but placed in hold status until 4/16! During all the conversations with regular staff AND the board member about the mobile privileges being suspended I was never once informed that any physical (as opposed to online) transactions were not going to be honored in the normal manner. So, being totally in the dark, I went my merry way and made a check to my landlord which was returned because the funds I had deposited were not available!! On top of that, my apartment is under a new management company, so I have no idea how they are going to react to this.

Obviously, had I known that ALL my account services were being restricted, I would have made other arrangements so my rent check would not be returned. I am mortified and angry and although someone at the SDFCU is trying to take care of this at the moment to run my check back through (and refund me the $30 NSF fee), I am sick and tired of being treated like this and in this case being the victim of their lack of professionalism and follow-through.