Conference 7.286::dcu

104.0. "Changes in Deductions..." by TSE::LEEBER (Knock Knock!) Wed Jun 08 1988 16:47

    I have several accounts with the DCU. One issue which has been
    recurring over the years has been feedback on certain transactions. 
    
    Base Example; I sent in a change request. Put $40 MORE in one checking
    account and $40 LESS in another, with NO effect on the amount of
    payroll deductions from DEC. The request did get there on time for the
    following Thursday (actually Wednesday) DCU deductions run. However,
    the new deductions were not put into effect. 
    
    Point one; Teller statements need to be accurate. The DCU teller I
    spoke to said all deduction changes take two weeks to take effect.
    Having been through this SEVERAL times before, my experience is that
    this is only true when you effect the amount from DEC. (There then is a
    two week catch-up period between DCU and DEC.) Otherwise, the teller
    can change the disbursements while you wait (I've had them do this when
    I've gone in person before and this teller did it over the phone
    (after asking lots of identification questions - score points for
    DCU!)). OK, her answer was partially right... 
    
    Point two; Acknowledgments of all transactions are needed. When I send
    a deposit to the DCU, the computer generates a receipt, which the teller
    puts in an envelope and mails back to me. But when I change deductions,
    there is no feedback. After a brief discussion with the teller (which
    included the deposit example), the issue SEEMED to come down to; if the
    computer printed a change of deductions receipt, the teller could mail
    it back to me just like a deposit receipt. 
    
    Conclusion(s);
    
    1) Verbal feedback should be both correct and complete. Somewhere tell
    us that deduction changes that do NOT effect DEC payroll are that fast. 
    
    2) Create a transaction receipt for any transaction that changes the
    conditions of my account(s) and send it back to me. To be cost
    effective, perhaps allow me to say if I want such a receipt. Use a
    default of yes and have a short line on the receipt that tells me I can
    choose NOT to get a receipt in the future (by calling DCU at....). 
    
    Sorry for the long winded story.
    
    Carl Leeber