Checking or savings account -- Managing an account -- Complaint #5162506
Complaint Overview
Complaint ID: 5162506
Company: Golden 1 Credit Union, The
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
State: California
ZIP Code: 95961
Date Received: 2022-01-28T12:00:00-05:00
Date Sent to Company: 2022-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I received an email from XXXX Tax Collector saying that my check bounced from Golden 1 Credit Union. When I opened my account I am showing that there was enough money to cover the check. I called the bank and they told me that there was no money in the account to cover the check payment. Please see the rejection below from XXXX XXXX XXXX Collector. On my online statement, I show that I have more than enough to have covered the transition listed below. Clearly, this was an opportunity for the bank to take money from my account although funding was there. Please respond to my request if you need further documentation regarding this issue I can be reached at XXXX and XXXX. Thank you in advance for your time in processing this request. It is my request to invest to see if the company is going this to other members as well. XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$22.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$100.00} {$2800.00} XX/XX/XXXX Checking Deposit @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$1400.00} {$2700.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 0 {$100.00} {$1300.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$200.00} {$1200.00} XX/XX/XXXX Withdrawal ( Item # ACH FEE ( S ) ) {$30.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX {$43.00} {$1000.00} XX/XX/XXXX Withdrawal @ XXXX XXXX XXXX XXXX XXXX XXXX XXXX GOLDEN 1 CU XXXX XXXX CA XXXX {$120.00} {$1000.00} XX/XX/XXXX Checking Deposit @ XXXX Online Transfer " STD '' XXXX from share 1 {$800.00} {$1100.00} Here is the count tax letter received via my email also see attached to the bank statement from Golden 1 XXXX XXXX Tax Collector : Payment Rejected XX/XX/XXXX at XXXX AM PrintRaw message XXXX XXXX To : XXXX Your bank has dishonored your e-check payment. The reason given was : Insufficient funds ( R01 ) Please contact your bank if you need further information about why the payment was unsuccessful. If your e-check was rejected for any reason, you may be charged a service fee. Please contact us at ( XXXX ) XXXX if you need further information about why the payment was unsuccessful. Return Confirmation # XXXX Your payment has been returned. Payment and Return Summary Transaction Details Payment Date : XX/XX/XXXX XXXX AM PST Return Date : XX/XX/XXXX XXXX AM PST Recipient : Tax Collector Location : Public Site Received Via : Online Payment Type : e-check Account Information : THE GOLDEN 1 CREDIT UNION Account # XXXX Paid By XXXX XXXX XXXX Adjustments Original Amount Charged to Your Account Amount Returned to Your Account Total Balance Remaining Charged to Your Account ( if any ) Payment : {$2100.00} {$2100.00} {$0.00} Total : {$2100.00} {$2100.00} {$0.00} If your payment was returned by your bank, you may need to submit a replacement payment.
Frequently Asked Questions
What is Complaint #5162506 about?
Complaint #5162506 was filed against Golden 1 Credit Union, The regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-01-28T12:00:00-05:00.
How did Golden 1 Credit Union, The respond to this complaint?
The company responded with: "Closed with explanation". 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 Golden 1 Credit Union, The?
Yes, visit the Golden 1 Credit Union, The company profile at readthecomplaint.com/company/golden-1-credit-union-the 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.