Checking or savings account -- Managing an account -- Complaint #18155734
Complaint Overview
Complaint ID: 18155734
Company: First Technology Federal Credit Union
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Massachusetts
ZIP Code: 016XX
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue : My debit card was used for an unauthorized XXXX XXXX purchase. I did not make this transaction. What happened : A fraudulent airline ticket was purchased using my DCU debit card in Texas and Im in Massachusetts.I reported it immediately. DCU investigated twice and denied my claim both times. They stated that XXXX is not taking responsibility and that the transaction was authorized, but I did not authorize it. I was not traveling, I did not make this purchase, and no one else is allowed to use my card. DCU has not given me any proof that the transaction was mine. I requested documentation such as the email used, name on the reservation, device information, and IP address, and they have not provided it. They simply stated it was authorized without any evidence. This is a violation of Regulation E, which requires the bank to refund unauthorized electronic transfers unless they can prove I authorized the transaction. What I want : I want DCU to reopen my dispute, provide all documentation they relied on, and refund the unauthorized transaction to my account. I also want DCU to comply with Regulation E requirements. Amount of loss : $ XXXX Date of transaction : XXXX
Frequently Asked Questions
What is Complaint #18155734 about?
Complaint #18155734 was filed against First Technology Federal Credit Union regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
How did First Technology Federal Credit Union respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against First Technology Federal Credit Union?
Yes, visit the First Technology Federal Credit Union company profile at readthecomplaint.com/company/first-technology-federal-credit-union to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.