First Technology Federal Credit Union

I am submitting this complaint regarding an unexpected and significant increase in the APR on my auto loan, which I only recently discovered. I financed a brand-new XXXXXXXX XXXX XXXX through Digital Federal Credit Union XXXX DCU ). My original loan agreement began on XX/XX/XXXX, with a fixed APR of 5.2 %. However, when I recently reviewed my online statements, I discovered that my APR was increased to approximately 18 % in XX/XX/XXXX. I was not aware of this change at the time, and I do not recall receiving clear notice or understanding that my interest rate would increase to this level. The stated reason for the change was lack of title. This has been very confusing, as the vehicle was purchased brand new directly from XXXX. I provided the finance agreement to XXXX, was able to register and insure the vehicle, and DCU was listed as the lienholder. At no point did I believe there was an unresolved title issue that would justify such a drastic increase in my interest rate.…

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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.…

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My wallet was stolen from gym locker which had DCU ( Digigtal Federal Creditr Union ) Debit card along with other cards and IDs. There are two fraud transactions made on DCU Debit Card, each with amount of {$300.00} from XXXX XXXX XXXX in XXXX, IL. Bank Name : Digital Federal Credit Union ( DCU ) Account Type : Checking Case Numbers : XXXX, XXXX, XXXX Police Report Number : XXXX Date of Fraudulent Transactions : XX/XX/XXXX ( Pending ), XX/XX/XXXX ( Confirmed ) Amount in Dispute : {$610.00} ( two transactions each {$300.00} ) I filed police complaint with " City of XXXX '' police department. Officer Name = XXXX XXXX, Batch # XXXX. Police report # XXXX. I promptly reported stolen card with DCU as well. [ XX/XX/XXXX ] Card stolen between XXXXXXXX XXXX and XXXXXXXX XXXX XXXXXXXX ; immediately reported to DCU ( Case # XXXX ). Email Notification for case received - Thu, XXXX XXXX at XXXX XXXX [ XX/XX/XXXX ] Received fraud alert call.…

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My home was sold on XX/XX/year>. The Title Company sent the mortgage payoff check to DCU in XXXX, MA via XXXX tracking number XXXX, with delivery confirmation available. The check was received and deposited on XX/XX/year>. However, as of XX/XX/year>, DCU has informed me that the mortgage payoff is still processing on my account. When I requested an update, the representative was unprofessional and declined to provide a timeline for completion. The Title Company and closing attorney processed the payoff exactly as instructed by DCU. Despite this, DCU posted additional charges to my mortgage account on XX/XX/year>, after the payoff funds were already received. I am requesting your assistance and intervention to resolve this issue promptly.

My automobile policy with XXXX was active from XXXX XXXX XXXX XXXX XXXX XXXX XXXX During this period, I did not receive any renewal notices, either by mail or electronic email. As my policy term was nearing its end, I opted for coverage with XXXX XXXX, which began on XX/XX/scrub>XXXX XXXX XXXX. To my surprise, on XXXX XXXX XXXX I received a text message stating that my insurance premium was due on XXXX XXXX XXXX. This prompted me to review my bank ledger, where I discovered that XXXX had already drafted my account for {$100.00} on XXXX XXXX XXXX. This transaction was unauthorized, as I had not renewed my policy with XXXX. Upon contacting the phone number provided in the text message, the representative directed me to XXXX XXXX, claiming they held my policy. After explaining my situation to XXXX XXXX, they insisted that only XXXX could cancel my policy. This back-and-forth continued for over an hour.…

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I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

I am submitting this complaint against First Tech Federal Credit Union for the wrongful repossession of my vehicle and unfair, deceptive practices. In XXXX, I financed a XXXXXXXX XXXX XXXX through First Tech ( Loan Account # XXXX ). I was instructed by a bank representative to make my monthly payments into my First Tech XXXX XXXX account ( # XXXX ), and they assured me the bank would automatically transfer the money to the auto loan. I have faithfully transferred {$550.00} into this savings account every single month. When I started receiving late notices some time ago, I immediately called First Tech. Their support team told me not to worry, claiming that their " system is slow '' and takes time to process the transfers. I trusted their word. However, on XX/XX/XXXX, my car was unexpectedly repossessed.…

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* * Subject : New Complaint Ongoing Payment Obstruction Preventing Compliance in Active Bankruptcy * * I am submitting a new complaint regarding First Tech Federal Credit Union based on * * recent and ongoing conduct that is preventing me from making required mortgage payments * *, separate from prior issues. I refiled for bankruptcy protection on XX/XX/XXXX. Immediately following the filing, I attempted to make my required XX/XX/XXXX post-petition mortgage payment. * I used the phone number provided by the servicers bankruptcy counsel for payment processing * This number routes to voicemail and does not allow payment to be completed * I also attempted multiple times through the servicers main customer service line on XX/XX/XXXX and XX/XX/XXXX * Representatives have been unable to process the payment due to internal system limitations Additionally : * I have been instructed * * not to use mail or bank bill pay * *, as those methods would result in the payment being treated as…

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In late XX/XX/year>, I identified a series of unauthorized debit card transactions totaling approximately {$4100.00}, consisting of multiple charges between {$200.00} {$500.00} from merchants including XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX. I reported these transactions to DCU on or about XX/XX/year> and initiated disputes for the charges I did not authorize. On XX/XX/year>, DCU denied the majority of the disputes. On XX/XX/year>, DCU provided the documentation it relied upon, which consisted primarily of merchant-supplied summaries and basic account identifiers ( email address and phone number ). No transaction-level evidence demonstrating that I authorized the charges was provided.…

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XX/XX/year> Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington XXXX DC XXXX Re : Complaint Against Digital Federal Credit Union ( DCU ) Loan # XXXX Inaccurate Credit Reporting ( Mortgage Account ) To Whom It May Concern, I am submitting this complaint regarding Digital Federal Credit Union ( DCU ) for reporting inaccurate and materially misleading credit information, specifically a XXXX late payment reported in XX/XX/year> on my mortgage account. This reporting is incorrect and has caused significant harm to my credit profile, despite my full compliance and timely actions during an escrow payoff process. ________________________________________ Summary of Issue My mortgage loan was in active escrow for full payoff, with closing scheduled for early XX/XX/year>. On XX/XX/year>, the escrow company formally requested a payoff from DCU through XX/XX/year>, which DCU provided. This payoff amount included the XXXX payment.…

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On or about XX/XX/XXXX, my vehicle, a XXXX XXXX XXXX XXXX XXXX ( XXXX : XXXX ), was repossessed in XXXX XXXX, Texas in connection with an alleged debt obligation involving First Technology Federal Credit Union. The repossession was carried out without a court order or judicial process and the vehicle was removed from my possession by a repossession agent acting on behalf of or in coordination with the creditor. After the repossession, the vehicle was transported through commercial recovery channels and placed into storage and/or auction handling. Following the repossession, I requested documentation verifying the legal authority for the repossession, including the security agreement, proof of default, repossession authorization, and any supporting filings. I also requested a complete inventory of personal property contained in the vehicle and documentation regarding the chain of custody and storage handling.…

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applied for a loan with Digital Federal Credit Union ( DCU ) ( Application XXXX XXXXXXXX ) and was denied. The adverse action reasons provided were vague and non-specific, including statements such as affordability risk, income deviation risk, and vehicle not consistent with income. These explanations do not meet the requirements under the Equal Credit Opportunity Act ( 15 U.S.C. 1691 ( d ) ) and Regulation B ( 12 CFR 1002.9 ), which require specific and clear reasons for denial. The creditor also referenced a DecisionScore : 483, which appears to be a proprietary internal scoring system, but failed to explain how this score was calculated or what specific factors led to the denial. Additionally, the creditor cited income pattern risk, which suggests the use of third-party or algorithmic data that may be inaccurate or unverifiable, raising concerns under the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) ).…

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I am submitting this complaint regarding inaccurate and unverifiable reporting of multiple charged-off credit card accounts appearing on my credit report. The accounts are being reported with delinquency histories, charge-off statuses, and balances that I believe are not fully accurate or properly verified. I previously disputed these accounts through the credit reporting agencies and requested verification of the reported information, including the full payment history, balance calculation, charge-off details, and documentation supporting the accuracy of the reporting. The accounts were reported back as verified, however I did not receive any actual documentation or meaningful proof supporting the accuracy of the information being reported. The specific information I requested included a full itemized payment history, the original credit agreement, and a detailed explanation of how the reported balances and delinquency timelines were calculated.…

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I am an established, long-term member of Digital Federal Credit Union ( DCU ). Between XXXX and XX/XX/year>, I was the victim of a high-precision " XXXX XXXX '' fraud involving the criminal impersonation of the XXXX and XXXX Police XXXX I was held under 24/7 digital surveillance and psychological coercion via XXXX screen-sharing, following a documented data breach at Conduent that exposed my personal details. Under extreme duress, I was coerced into applying for a {$20000.00} personal loan from DCU. As a long-standing member, DCU had a clear baseline of my financial behavior. Despite this, DCU failed its Know Your Customer ( KYC ) and Anti-Money Laundering ( AML ) obligations by approving this loana radical departure from my historical financial profileand allowing the funds to be moved immediately to high-risk crypto platforms ( XXXX/XXXX ). Crucially, XXXX XXXX successfully identified the exact same pattern of activity as fraudulent and flagged the red flags immediately.…

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This is a follow-up complaint to my prior submission ( Complaint ID : XXXX ), which DCU closed stating the issue was resolved. It is not resolved, and the matter remains pending. On XX/XX/year>, DCU confirmed with the XXXX XXXX that my XXXX title was mailed to DCU on XX/XX/year>. Once DCU receives the title, I am required to complete lien placement paperwork to finalize the XXXX and close this matter. However, nearly a month has passed since DCU acknowledged the title was mailed to them, and I still have not received the lien placement paperwork or clear instructions on next steps. This outstanding step is essential to resolve my case because it is required for DCU to ( XXXX ) adjust the XXXX loan interest rate back from the default rate and ( XXXX ) reimburse/credit the interest that was charged at the default rate while this documentation issue was pending.…

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I recently reviewed my credit report and discovered a collection account listed as FIRSTTECH - XXXX, SYNCB/RMSTGO - XXXX which I do not recognize and do not believe is accurate. I have not received proper validation of this alleged debt as required under 15 U.S.C. 1692g ( FDCPA ), which mandates that a debt collector provide validation of the debt upon dispute. Furthermore, under 15 U.S.C. 1681s-2 ( b ) ( FCRA ), furnishers of information are required to conduct a reasonable investigation and report accurate and complete information to the credit bureaus. To date, I have not received any documentation such as the original signed agreement, complete payment history, or proof that FIRSTTECH and XXXX has the legal authority to collect this alleged debt. The continued reporting of unverified and potentially inaccurate information is causing harm to my credit profile.

I refinanced my auto loan with Digital Federal Credit Union ( DCU ) for my XXXX XXXX XXXX XXXX ( VIN : XXXX ). Despite completing all required steps, DCU has failed to perfect their lien with the XXXX XXXX. My title still does not list DCU as lienholder. Timeline of failures : 1. DCU sent the lien placement packet to me with an outdated return address ( XXXX XXXX, XXXX ) due to their internal merger-related address change. As a result, my completed forms were mailed to the wrong address through no fault of my own. DCU later informed me the correct address was XXXXXXXX XXXX 2. I submitted the completed " Application for XXXX Title and/or Registration '' form via XXXX twice XXXX - Tracking # XXXX Delivered XX/XX/XXXX - Tracking # XXXX Delivered XX/XX/XXXX XXXX. DCU representative XXXX XXXX confirmed in writing : " If you have tracked it as delivered to DCU, it will get processed. '' 4.…

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I submitted multiple disputes involving the same merchant ( XXXX XXXX XXXX ) for similar issues involving unsafe and unsanitary conditions. For a prior dispute, a provisional credit was issued and the merchant later refunded the charge. For my current dispute, I was denied a provisional credit despite similar circumstances. I have received inconsistent information regarding timelines, being told XXXX days, then XXXX days, and now up to XXXX days. I requested clarification on provisional credit eligibility, decision criteria, and confirmation that my documentation was reviewed, but did not receive clear answers. This dispute is not based on preference. The services provided were not safe or habitable, and I submitted supporting evidence and filed a XXXX complaint. I am requesting consistent handling, transparency, and a fair review of my dispute.

FORMAL COMPLAINT : SYSTEMIC SERVICING FRAUD & VIOLATION OF BANKRUPTCY AUTOMATIC STAY Account Number : [ XXXX ] Filing Date : XX/XX/XXXX I am filing this complaint to initiate a federal investigation into Digital Federal Credit Unions ( DCU ) predatory accounting practices and their failure to manage an auto loan ledger in compliance with Federal Bankruptcy Law. Evidence of Forensic Accounting Fraud : Artificial Delinquency : Prior to my XX/XX/XXXX bankruptcy filing, I was granted multiple " Financial Hardship Deferrals. '' Per DCUs internal policy and verbal agreements with Case Manager XXXX XXXX, these XX/XX/XXXX months of payments were to be moved to the maturity end of the loan. DCU failed to map these correctly, maintaining a " Phantom Delinquency '' of {$10000.00}. Post-Petition Principal Freeze : Since my bankruptcy filing in XX/XX/XXXX, the loan principal has remained " frozen '' at {$21000.00}.…

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Narrative/ Description of the Incident Issue : Mishandling of financial instruments, contradictory policies, bad-faith customer service, and discriminatory capital blocking. Complaint Details : I am filing a formal complaint against Digital Federal Credit Union ( DCU ) for severe operational negligence, deceptive practices, and the discriminatory blocking of a verified {$10000.00} business check on XX/XX/year>. DCU personnel bypassed standard verification protocols across two branches, provided conflicting policy explanations, and falsified an internal investigation to cover up their mishandling. 1. The XXXX XXXX Delay & Admitted Fault : I first presented a check from a known DCU member with a history of clearing checks exceeding {$16000.00} at the XXXX XXXX to an employee appearing to be of XXXX descent. I was delayed and denied.…

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I discovered multiple unauthorized transactions on my account that I did not make. The activity involved both XXXX XXXX ( two transactions ) and XXXX XXXX XXXX XXXX ( the remaining transactions ). I confirmed directly with XXXX XXXX that the two transactions did not originate from my XXXX XXXX account. They have opened an internal investigation under Case Number XXXX and verified that the activity is not tied to my profile. Around the same timeframe, my debit card PIN was changed without my authorization. I did not request or approve any PIN change, and I was not actively logged into my account when this occurred. This is a clear indication that my account was compromised. Additionally, my debit card was not in my possession at the time of these transactions. I had been primarily using XXXX XXXX and initially believed the card was misplaced, but it became clear it was being used without my knowledge. I immediately reported the issue to my bank and submitted a dispute.…

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I am reporting unauthorized charges on my credit card account with First Tech Federal Credit Union that have not been properly resolved. I have not used this credit card for approximately XXXX years. Recently, I was contacted by the credit union regarding suspicious activity on my account. During that communication, I clearly stated that I did not authorize any of the charges and was informed that the charges would be removed and investigated. On XXXX XXXX, 2026, I submitted a formal written dispute confirming that all 2026 transactions on the account were unauthorized. However, after waiting several days, I reviewed my account and found that multiple unauthorized transactions from 2026 remain. These include several small charges ( approximately {$1.00} {$12.00} each ), as well as associated interest charges. As a result, I am currently being asked to pay approximately {$84.00} for transactions that I did not make.…

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Our bank card was stolen in XXXX and the thieves used the card to withdraw more than {$7000.00} from our checking account at Digital Federal Credit Union. This happened over 4 fraudulent transactions, which we disputed. The bank is refusing to refund our money, despite very obvious evidence of fraud.

I was the victim of an authorized push payment scam involving XXXX XXXX. I was deceived into sending {$2500.00} to a fraudulent individual under false pretenses. I immediately reported the fraud to my bank and filed a police report, but my bank denied my claim, stating it was a person-to-person transaction. This transaction was not a legitimate purchaseit was induced by fraud. I am requesting a full investigation and reimbursement of the funds, as well as documentation explaining the denial. I believe the bank failed to properly investigate this fraud claim.

Complaint Against Digital Federal Credit Union ( DCU ) Chargeback Refusal I am filing a complaint against Digital Federal Credit Union for refusing to properly process a valid dispute under XXXX chargeback rules. Transaction Summary : Product : XXXX XXXX Printer ( XXXX model ) Amount : Approximately $ XXXX ( plus additional costs for required parts and supplies ) Purchase Date : XX/XX/2024 Issue : Defective product never functioned properly Nature of Complaint : The product was defective from the outset, specifically involving failure of the white ink system. However, the merchant required extensive troubleshooting over an extended period, including replacing parts such as the white ink pump, tubes, and performing multiple technical procedures. I followed all instructions in good faith. Despite these efforts, the printer never became operational. Most recently, it was determined that the white ink system can not draw ink at all, confirming a fundamental defect in the product.…

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FORMAL MANDATE : ASSET-BASED LOAN RESTRUCTURING & NOTICE OF BREACH Account : XX/XX/XXXX XXXX ending in XXXX Date : XX/XX/XXXX TO : Corporate Compliance / Legal Department / Special Assets Management First Technology Federal Credit Union XXXX XXXX : FORMAL GRIEVANCE & DEMAND FOR ACCOUNT RECTIFICATION This letter serves as a formal mandate to restructure the above-referenced account. Since XX/XX/XXXX, following the passing of my mother and the resulting end-of-life expenses, I have been transparent regarding my financial status. Despite this, First Technology Federal Credit Union ( XXXX ) has engaged in systemic administrative bad faith, extracting payments under false pretenses while failing to provide substantive execution. ITEMIZATION OF STAFF CONTACTS & FAILURES : XX/XX/XXXXXXXX XXXX ( Special Assets Management ) XX/XX/XXXXXX/XX/XXXX Source : XXXXXX/XX/XXXX Action : Issued a disingenuous refusal stating no interest rate reductions or extensions were available.…

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I am filing this complaint regarding an auto loan that I obtained under deceptive and misleading circumstances involving an individual who represented that they could assist with improving my credit and obtaining funding. This began in or around XX/XX/year>, when a credit repair specialist advertised a {$150.00} credit sweep service, which I purchased. After my credit score increased, I was told that I could obtain funding and was instructed to apply for an auto loan. I was not informed that the loan would be structured in this way until after the process had already begun. I was then directed to use a third partys vehicle as part of the transaction. Once approved, a check for approximately {$17000.00} was issued with my name and another individuals name on it. I was instructed that the funds would be deposited and then provided to me. However, I did not receive the funds as expected. I was only given approximately {$3000.00}, and the remaining funds were not provided to me.…

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I am filing a complaint regarding inaccurate credit reporting by First Tech Federal Credit Union. A charged-off account with an approximate balance of {$22000.00} is being reported across multiple credit bureaus in a manner that is inaccurate and misleading. The account continues to be reported as delinquent on a monthly basis despite being closed, which creates a false impression of ongoing default activity. Additionally, the account is being reported inconsistently across credit bureaus, including differences in balances, dates, and status. I formally disputed this account and requested proper verification, including the original contract, full payment history, and the Date of First Delinquency. These requests were not properly addressed. Under the Fair Credit Reporting Act : 15 U.S.C. 1681e ( b ) requires maximum possible accuracy XXXX U.S.C. XXXX requires a reasonable investigation XXXX U.S.C.…

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This complaint concerns violations of the Fair Credit Reporting Act ( FCRA ) related to inaccurate and unverified information being reported on my credit report. Under the FCRA, companies that furnish or report information to consumer reporting agencies are required to ensure that the information they report is complete, accurate, and properly verified. The account ( s ) listed in my dispute are not 100 % accurate and appear to be reported without proper verification. I formally disputed these account ( s ) and requested that the company conduct a reasonable investigation and provide documentation verifying the accuracy of the information being reported. However, the company has failed to provide sufficient evidence that the account is valid, accurate, and legally attributable to me. Because the information being reported is inaccurate, incomplete, and unverified, the continued reporting of these account ( s ) constitutes a violation of the FCRA.…

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Consumer Financial Protection Bureau Formal Complaint Submission Complaint Details Institution : Digital Federal Credit Union ( DCU ) Institution Address : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX Complainant : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Denied Application No. : XXXX Conditionally Approved Application No. : XXXX Product Type : Consumer Loan / Credit Application Statutes Violated : ECOA ( 15 U.S.C. 1691 ( d ) ) ; FCRA ( 15 U.S.C. 1681m ( a ) ) ; BSA/CIP ( 31 C.F.R. 1020.220 ) ; UDAAP ( 12 U.S.C. 5531 ) DCU denied my loan application citing false pretextual reasons while concealing that its automated system flagged me as deceased based on a Social Security Administration error that had already been corrected in writing.…

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Subject : Service Failure Causing Financial Harm Request for XXXX Review To Whom It May Concern, I am submitting this complaint regarding financial hardship caused by Digital Federal Credit Union ( DCU ) due to the failure to deliver my replacement debit card. On multiple occasions, DCU representatives confirmed that my replacement debit card had been mailed ; however, the card never arrived. Because I did not receive the debit card, I was unable to access my own funds. I was advised that I could attempt to withdraw funds through another bank. However, when I went to a bank location, I was informed by the teller that I could not withdraw cash because I did not have an account there and could only use an ATM. Because I did not have my debit card, this option was not available to me. This situation left me without access to my own money.…

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I am filing this complaint because Digital Federal Credit Union ( DCU ) has engaged in unfair and inaccurate reporting practices following my request to close my account. On XX/XX/year>, I formally initiated an account closure request via DCUs official customer portal after zeroing out my balance. DCU failed to finalize the closure and instead sent a response via an " encrypted link '' service. This message was automatically filtered as spam/phishing by my provider due to its insecure format, a known systemic failure in DCU 's communication process. Despite my explicit election for Paperless Communication, DCU failed to send an electronic statement or email notification regarding a subsequent {$46.00} transaction that posted to the " pending closure '' account. Instead, they sent physical notices to a defunct XXXX XXXX address, despite knowing I had moved to the XXXX XXXX. This constitutes a failure to honor electronic disclosure agreements under the E-SIGN Act.…

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For the last XXXX years every time my property taxes changes I go XXXX this with XXXX XXXX XXXX XXXX for my mortgage. They so not send me any adjustment payment notices, I have to call and get the revised amount, but they cant seem to get that clearly on the phone either. Because they do not take a partial payment which is a difference of less than {$15.00}, I go XXXX this for months. I have asked them XXXX times since XX/XX/XXXX to stop calling me and verify in writing what my payment was, and what it would take to not have my property taxes and insurance in my monthly payment, they have not done this. They just keep calling. On XX/XX/XXXX I sent them a cease and desist to put their response in writing. Below is a record of my requests and conversations from/to to them. XXXX ) on XX/XX/XXXX, XXXX said my mortgage payment changed to {$1500.00} ( from {$1500.00} ) and I needed to send an emergency check for {$9.00} for the difference, which I sent.…

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I was a victim of identity theft. Several accounts have been fraudulently opened and are been reported on my credit report without my authorization. While I was traveling I lost my phone, wallet, laptop and all my identity documents which led to unauthorized individuals gaining access to my personal information and opened these accounts in my name First Tech FCU XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

I opened a checking account XX/XX/year>. There was a promotion to receive a bonus for receiving direct deposits for 3 months. I saw that in order to receive a {$300.00} bonus, deposits would have to be $ XXXX per month as advertised on the website. I interpreted this as at least {$5000.00} per month. I set up direct deposit from my employer for exactly {$5000.00} per month. When I received the lower {$50.00} bonus, I contacted a customer service representative over the phone. The representative said that the terms she was looking at said that the {$50.00} bonus tier ends at {$4900.00} and the {$300.00} bonus tier begins at {$5000.00}, so I should be eligible for the higher bonus. She said she would verify and get back to me. After multiple follow-ups over weeks, I was ultimately denied the higher bonus.…

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