I canceled a service after the free trial period, but the merchant continues to charge my share draft account every month. How can I stop this?

Contact the merchant in writing, and provide the…

I cancelled a product after the free trial period, but the merchant keeps charging my credit card account each month. The credit union says to resolve it with the merchant. What should I do?

First, write to the merchant, directing them to…

I cashed a check/share draft at a credit union. It charged me a fee because I don't have an account there. Is this legal?

If a credit union agrees to cash a check/share…

I closed my account. Can the credit union continue to charge interest and fees?

Yes, you may be responsible for certain interest…

I closed my credit card account, but the credit union continued to accept pre-authorized withdrawals (such as charges from my insurance company). Why won’t the credit union stop accepting these charges?

Generally, your credit card account agreement…

I closed my share draft account, but the credit union continued to accept the recurring charges from my insurance company. Why doesn't the credit union reject these charges?

Generally, it is your responsibility to cancel…

I currently have a billing dispute regarding my credit card / personal line of credit / home equity line of credit. While the dispute was under investigation, the credit union reported my account negatively to the credit-reporting agencies. Can it do this

No. Generally, if you have filed a proper billing…

I deposited $10,000 to my account. When will the funds be available for withdrawal?

For deposits in excess of $5,000, federal laws…

I filed a claim with the credit union regarding an electronic fund transfer (EFT) error that happened five days ago. The credit union has not responded. What can I do?

Generally, a credit union can take up to 10…

I have a construction mortgage loan. The credit union states I need to pledge a $50,000 CD to provide extra collateral. Can it do that?

You need to refer to your loan agreement. Any…

I have a joint account. Do we both need to opt-in or agree?

No. For a jointly held account, affirmative…

I have an overdraft line of credit with the credit union to cover possible overdrafts. How will this new rule affect me?

The new rule applies to overdraft protection…

I just got an offer from my credit union to transfer balances from another credit card at a low interest rate. How long does the rate have to stay in effect?

If your account was opened on or after February…

I just got my quarterly statement and the credit union is charging me dormant / inactive account fees. Is this legal?

Yes. Federal law allows credit unions to charge…

I just noticed a charge on my statement that I did not authorize. That same charge appeared on my prior statement as well. What should I do?

You should notify the credit union immediately of…

I just received a letter from my credit union advising me that they have frozen or reduced the amount of my Home Equity Line of Credit (HELOC). The letter explained that the action was taken because the value of my home had declined. Is that legal?

Federal law permits the credit union to reduce…

I just received a notice saying that the interest rate on my credit card account is going to increase in 45 days. Can I continue making purchases with my card at the existing interest rate for 45 days?

No, you will not be able to continue using your…

I made a balance transfer using my new credit card. I just received my latest statement and the credit union increased the interest rate on the balance transfer. Can they increase my rate?

If your account was opened on or after February…

I made a deposit by check/share draft or cash and received a receipt, but the credit union says that its records do not reflect the deposit. Since I have a receipt, doesn't the credit union have to credit my account?

You should contact the credit union and provide a…

I made a payment, but it has not shown up on my credit card / home equity line of credit / personal lines of credit statement. What can I do?

Notify the credit union that your payment has not…

I mailed my credit card payment prior to the due date, but the credit union still charged me a late fee. Can it do this?

Credit unions are not obligated to honor postmark…

I mailed my mortgage payment before the due date. However, the credit union received it one day after the due date, and I was charged a late fee. Can it do this?

Yes. You must mail your payment in sufficient…

I need a copy of my credit union statement (or other records). Can you help?

The NCUA can't obtain member records on your…

I opened a new share draft account, but the credit union will not let me withdraw my funds immediately.

The Expedited Funds Availability Act sets special…

I paid my credit card on the 31st day after the payment due date, and the credit union reported that I made a late payment to a credit reporting agency. Can the credit union do that?

Generally, yes. Whether a payment is late is…