Centra Credit Union "BUSTED FOR SCA...

Centra Credit Union "BUSTED FOR SCAMMING"

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Since: Jan 10

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#1 May 21, 2013
CENTRA CREDIT UNION STILL SUCKS!
Since I opted out of their "courtesy pay" rip-off program, they have been sending me letters every month wanting me to re-enroll and "advoid the embarrasment" of my card being declined at the counter.
"NEWS FLASH" I don't give a crap if my card is declined, as a matter of fact, I want it to decline if the money is not there. I'm not going to pay you any more $26 fees! If I purchase a pack of smokes for $4.80 but I only have $4.70 in the bank, do you honestly think I want to pay you $26 just so you will cover the 10 cents that I was short. HELL NO! I want my card to decline if I don't have the money to pay for it.
Then there's the even worse issue CENTRA has with their BILL PAY! As I stated in my previous post, CENTRA "does not" deduct your bill pays from your bank account balance untill the check has cleared.
EXAMPLE: If you have $500.00 in your account and you use BILL PAY to pay your $250.00 electric bill, you bank account balance will still show a $500.00 balance clear up untill the utility company processes the check through Centra.
"ANOTHER NEWS FLASH" Chase bank *automatically* deducts any bill pays from your account balance the instant you set a bill to pay. This way you are not "caught off guard" the way you are with CENTRA and possibly charged several $26 fees. CENTRA's "advice" is to keep a check register. If I wanted to fool with a check register, I wouldn't be doing online banking in the first place.

MY RATING: Centra - Zero
Chase - TEN!
And just for the hastle Centra has caused me, I did not close my account there, but I took out all my money except for $5. I figure that's about what they're worth!
antisocial

United States

#2 May 22, 2013
EXAMPLE: If you have $500.00 in your account and you use BILL PAY to pay your $250.00 electric bill, you bank account balance will still show a $500.00 balance clear up untill the utility company processes the check through Centra.

Answer:
They cant change the balance until any paticular company makes request for payment.Gas stations do it that way all the time,its not just a centra thing.

Remark:
If I purchase a pack of smokes for $4.80 but I only have $4.70 in the bank

Answer:
Thats your fault for not keeping better track of your bank account and if thats all the money you keep in the bank at any one time give it up and carrry cash.You whining like a little BBitch because of your own mistakes,thats your whole problem.
antisocial

United States

#3 May 22, 2013
Wigtail,stop being a dumasz.
antisocial

United States

#4 May 22, 2013
If your trying to but a $4.80 for with $4.70 they should charge you double for being a dumasz.

When you do that your asking your bank to cover your ignorant mistake,technicaly making you a loan,loans cost money,read your contract agreement idiot.Its called an "OVERDRAFT",get an account where they don't charge for overdrafts stupidasz.I can't stand FN morons like you that want to blame others for thier own stupidity!

You don't need a bank,you need a sign.
antisocial

United States

#5 May 22, 2013
buy,not but,I know when I make a mistake.
Why You Lie

Louisville, KY

#6 May 22, 2013
antisocial wrote:
If your trying to but a $4.80 for with $4.70 they should charge you double for being a dumasz.
When you do that your asking your bank to cover your ignorant mistake,technicaly making you a loan,loans cost money,read your contract agreement idiot.Its called an "OVERDRAFT",get an account where they don't charge for overdrafts stupidasz.I can't stand FN morons like you that want to blame others for thier own stupidity!
You don't need a bank,you need a sign.
Why you lie?
antisocial

United States

#7 May 22, 2013
Jim,your a laugh,at you not with you.
lovemykids

Saint Petersburg, FL

#8 May 22, 2013
Wigtail, I think you have bigger problems than Centra's overdraw policy. Did you read the disclosure when you got your debit card. Here's an idea...use cash!!! If you are not grown up enough to manage your checking account balance cash is probably a great alternative. Your bill pay example also shows your level of intelligence, generally it is a good thing if you can hang on to your money longer...example, if I schedule a payment with a due date in two weeks I really don't want that money removed from my account.
antisocial

United States

#9 May 22, 2013
Unless your on total electric and electric bill(as you used in one of your examples) a bill of $250 seems more like a payment for multiple months.Try paying all your bills on time for startes.Also if you set up a payment of $250 from a $500 account deduct that amonut then.Dont go on like the $500 is still there,you will run into problems.
aaaaa

Elizabethtown, IN

#10 May 22, 2013
antisocial wrote:
EXAMPLE: If you have $500.00 in your account and you use BILL PAY to pay your $250.00 electric bill, you bank account balance will still show a $500.00 balance clear up untill the utility company processes the check through Centra.
Answer:
They cant change the balance until any paticular company makes request for payment.Gas stations do it that way all the time,its not just a centra thing.
Remark:
If I purchase a pack of smokes for $4.80 but I only have $4.70 in the bank
Answer:
Thats your fault for not keeping better track of your bank account and if thats all the money you keep in the bank at any one time give it up and carrry cash.You whining like a little BBitch because of your own mistakes,thats your whole problem.
actually they can..my bank does
get smart

Bryan, OH

#11 May 22, 2013
yes they can what?did you even read anything on here moron?
Why You Lie

Louisville, KY

#12 May 22, 2013
antisocial wrote:
EXAMPLE: If you have $500.00 in your account and you use BILL PAY to pay your $250.00 electric bill, you bank account balance will still show a $500.00 balance clear up untill the utility company processes the check through Centra.
Answer:
They cant change the balance until any paticular company makes request for payment.Gas stations do it that way all the time,its not just a centra thing.
Remark:
If I purchase a pack of smokes for $4.80 but I only have $4.70 in the bank
Answer:
Thats your fault for not keeping better track of your bank account and if thats all the money you keep in the bank at any one time give it up and carrry cash.You whining like a little BBitch because of your own mistakes,thats your whole problem.
Why you lie?
SOOOO

North Vernon, IN

#13 May 23, 2013
Where is the part they get busted for scamming? Please point it out to me, because I don't see it.
antisocial

United States

#14 May 23, 2013
aaaaa wrote:
<quoted text>
actually they can..my bank does
Some companies make a request for payment at thee xact point payment is rendered,I covered that.
Chrissy

Richmond, KY

#15 May 23, 2013
I've banked at centra for 15 years and I've never had an issue. I have savings, Christmas club, checking and debit.

Since: Mar 13

Cedar Key, Florida

#16 May 23, 2013
If 4.70 is all you have in the bank then you do not need to buy a pack of smokes, because you obviously have your priorities out of order and your money management skulls are lacking to say the very least. I would be willing to bet there ate a great many other things that you should have been spending that 4.70 on!
antisocial

United States

#17 May 24, 2013
I've had companies take the money out of my account within minutes(I check my account sometimes more then once a day)and i've had companies take two weeks,the main point is dont ry to buy with money you dont have and deduct it from your checkbook/account upon purchase.Simple.
Linda

Scottsburg, IN

#18 May 26, 2013
It kills me to hear a poor person complain about not having any money when trying to buy cigarettes. Talk aout having priorities.
Antisocial

Louisville, KY

#19 May 26, 2013
Robin 1 Yates wrote:
If 4.70 is all you have in the bank then you do not need to buy a pack of smokes, because you obviously have your priorities out of order and your money management skulls are lacking to say the very least. I would be willing to bet there ate a great many other things that you should have been spending that 4.70 on!
F)uck you and the horse you rode in on. You are nothing but a trifling, whiny-(ass),(b)itch. My hope is that you choke on a (c)ock next time you go down on your boyfriend.

Since: Mar 13

Cedar Key, Florida

#20 May 26, 2013
I must have struck a nerve! That's a prime example of maturity and intelligence speaking.... If you think for one instant I'm the least bit bothered by your little rant and name calling then you need to think again! I have far to much going for me in life to letbpiss ants like you get under my skin. Better luck next time kiddo :)

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