JSC Federal Credit Union

I had to move to Missouri from Texas due to a probate issue dealing with much acreages of property that had to do with property when my mother and daddy died. I was never aware that a probate would take this long but it has so for now I had to change my address to Missouri in order to continue the probate case with Mother's Missouri address. I lived in Texas for about 38 years and worked at NASA. Since I have been banking at NASA JSC due to all the issues it would prevvent with my leaving so I stayed and have banked at NASA JSC for almost 40 years. Tis is my problem. Right at the time Wellby went in with JSC I had borrowed a personal loan of $8,000. I had that much in my savings account at JSC but chose not to use it but to borrow the amount instead of taking it out of my savings account. Now when they were still JSC the loan department told me that I could pay for a few months and they would release the hold on my savings which has been done this way ever since JSC was a credit union as I have borrowed loans fro them before and they would always release the hold on my savings within a few months as they have done every member for years. We would pay the loan for a few months and they would release our savings. Well within those few months of opening the loan Wellby comes along and says everyone who had any loan could not be release from their collateral. So now after 38 years my savings cannot be touched until the loan is paid. It has not ben that way for over 38 years. This is not what the loan department told me too as it been that way for the 38 years I have banked there. Now I still had $8,000 in my savings account at JSC. We have another bank that we use here in Missouri but kept JSC as we have baked with them so long. All of a sudden I found out that my savings account cannot be touched until the personal loan is paid off. Now even the loan was not as much as my savings they still withheld my savings account. I asked them why my savings is being withheld when it is more than the loan amount that I owed. I got no answer. I asked them to take the principal that I paid each month from the loan and open a separate savings account with it and they did. That was a horrible mistake. Then I started seeing money disappear from my savings account. I asked where the money disappeared to. They did not tell me. I saw the $8,000 dwindle down to $6,900.I kept pleading with them to help me find out where it went. Now this was when Wellby was now in the picture. I always knew my balance and i banked by phone each month. When JSC and Wellby came along they changed the phone numbers you could bank by but told no one and i continued to bank by phone with the same number I always used. I knew what my bank and savings balance was but money started disappearing. Now II am 75 years old and when money starts disappearing it is frightening. I recently had to go to doctors a long way fro me and I transferred $1,000 from my saings to ms insufficient in my checking so instead of them taking it from my operdraft they took it all from y saings account. down the the es=xact amount I owed for the loan which meant /i could get nothing out of my saings account as it was frozen due to the loan. Now tht is scary to a 75 year old woman who has banked ther for 38 years. I told me "You mean that oer $2,000 was gone within one month? Who gae you the right to take money g=from my saings because I neer signed for that to be done. Then everything else was changed. The date to pay the loan was changed, The dates to pay the isa was changed. A; the dates were changed and the phone number to do business for JSC was also changed and they do no tell youthat when you call on their main phone number. So who was I banking with when i called their old pone number? Where did all my aings go. I called and demanded to know who was in their executie office because I wanted answers. No one would connect me with their main office. I ewould call taking money from my accounts. wuthout my approval theft and where my money has gone is fraud. Yo date not one i jae spolken with has bothered to call me back and I still have no idea where my money has gone so now I am haing to start all oer again and built up y aings acount and at 75 years old this is worse than scary. All the time I hae banked there meant nothing to JSC since it is now Wellby/JSC everything has changed. do clal them taking oney out of my account theft because I neber gab=e them that right and this is the strange thing. My oerdraft is npow $750 when it was $1,000. I was making monthy payment on my oberdraft each month to pay it down due to their mistake but still I was paying it =each month and now all of a suddden all the oerdraft oney is paid and 'i owe nothing????? Who gae them the righ to take money from my account and pay off the oerdraft monies? They wer taking money from my account like it was candy without my approbal on any of it. It matters not what was owed because eerythin g was paid to date.I still hae no idea what they did with all my saaings and no one will tell me of what stared out as $7,999 and now is down the the exact amunt thaat the loan was which is $5,200. The is #3,000 that is unaccounted for and I hae no idea what they have done with it and no o ne will tell me anything. Now I did do a loan transger of $1,000 before I left to go to the doctor and they till wsaid I jad debits come in so they took my money out of my saings and I neer gave them that right to doand ad oerdraft so why did they not use it since someone took my money and paid that off too. There is something ery wrong with my account and een if it was $6,900. JSC still took $1,700 without my permission? I will most likely get money from the bank down her to pay off the loan and close out Wellby/JSC but they should be charged with fraud. They definitely lied to me about a hold on my saings and when a person is 85 years old and they saings account is frozen that is a very "scary" feeling to do that to a 75 year old woman. They take money from my account without takig it from my line of credit, they are tkaing it wihtout my approal. The freeze myt saings top where /i cannto touch it. They cannot explain or tell e what happened to $1,700. When I took out the. loan they told me the "freeze" would come off my saings account with a few months and now that it is Wellby/JSC that was a lie? I am trying to oerpay that personal loan so I can hae my daigs unfrozen and returned to me. Any elderly person who banks there has no rights whatsoeer and what tey are doing to us who are elder is just wrong. The State of Missouri told me they cannot do anything her because een though I lie her the credit un ion is in Texas and I would hae to go to the proper federal authorities. I am not realy sure who the propfederal authorities are for a federal credit union but something needs to be done. I am paying this loan each month on time and pay more tha is due and yet they still hold my savings. They even held my savings when it was more than the loan and told me I cannot touch it but they touched it and drew all the money out of it.

I had to move to Missouri from Texas due to a probate issue dealing with much acreages of property that had to do with property when my mother and daddy died. I was never aware that a probate would take this long but it has so for now I had to change my address to Missouri in order to continue the probate case with Mother's Missouri address. I lived in Texas for about 38 years and worked at NASA. Since I have been banking at NASA JSC due to all the issues it would prevvent with my leaving so I stayed and have banked at NASA JSC for almost 40 years. Tis is my problem. Right at the time Wellby went in with JSC I had borrowed a personal loan of $8,000. I had that much in my savings account at JSC but chose not to use it but to borrow the amount instead of taking it out of my savings account. Now when they were still JSC the loan department told me that I could pay for a few months and they would release the hold on my savings which has been done this way ever since JSC was a credit union as I have borrowed loans fro them before and they would always release the hold on my savings within a few months as they have done every member for years. We would pay the loan for a few months and they would release our savings. Well within those few months of opening the loan Wellby comes along and says everyone who had any loan could not be release from their collateral. So now after 38 years my savings cannot be touched until the loan is paid. It has not ben that way for over 38 years. This is not what the loan department told me too as it been that way for the 38 years I have banked there. Now I still had $8,000 in my savings account at JSC. We have another bank that we use here in Missouri but kept JSC as we have baked with them so long. All of a sudden I found out that my savings account cannot be touched until the personal loan is paid off. Now even the loan was not as much as my savings they still withheld my savings account. I asked them why my savings is being withheld when it is more than the loan amount that I owed. I got no answer. I asked them to take the principal that I paid each month from the loan and open a separate savings account with it and they did. That was a horrible mistake. Then I started seeing money disappear from my savings account. I asked where the money disappeared to. They did not tell me. I saw the $8,000 dwindle down to $6,900.I kept pleading with them to help me find out where it went. Now this was when Wellby was now in the picture. I always knew my balance and i banked by phone each month. When JSC and Wellby came along they changed the phone numbers you could bank by but told no one and i continued to bank by phone with the same number I always used. I knew what my bank and savings balance was but money started disappearing. Now II am 75 years old and when money starts disappearing it is frightening. I recently had to go to doctors a long way fro me and I transferred $1,000 from my savings to ms insufficient in my checking so instead of them taking it from my operdraft they took it all from y saings account. down the the es=xact amount I owed for the loan which meant /i could get nothing out of my saings account as it was frozen due to the loan. Now tht is scary to a 75 year old woman who has banked ther for 38 years. I told me "You mean that oer $2,000 was gone within one month? Who gae you the right to take money g=from my saings because I neer signed for that to be done. Then everything else was changed. The date to pay the loan was changed, The dates to pay the isa was changed. A; the dates were changed and the phone number to do business for JSC was also changed and they do no tell youthat when you call on their main phone number. So who was I banking with when i called their old pone number? Where did all my aings go. I called and demanded to know who was in their executie office because I wanted answers. No one would connect me with their main office. I ewould call taking money from my accounts. wuthout my approval theft and where my money has gone is fraud. Yo date not one i jae spolken with has bothered to call me back and I still have no idea where my money has gone so now I am haing to start all oer again and built up y aings acount and at 75 years old this is worse than scary. All the time I hae banked there meant nothing to JSC since it is now Wellby/JSC everything has changed. do clal them taking oney out of my account theft because I neber gab=e them that right and this is the strange thing. My oerdraft is npow $750 when it was $1,000. I was making monthy payment on my oberdraft each month to pay it down due to their mistake but still I was paying it =each month and now all of a suddden all the oerdraft oney is paid and 'i owe nothing????? Who gae them the righ to take money from my account and pay off the oerdraft monies? They wer taking money from my account like it was candy without my approbal on any of it. It matters not what was owed because eerythin g was paid to date.I still hae no idea what they did with all my saaings and no one will tell me of what stared out as $7,999 and now is down the the exact amunt thaat the loan was which is $5,200. The is #3,000 that is unaccounted for and I hae no idea what they have done with it and no o ne will tell me anything. Now I did do a loan transger of $1,000 before I left to go to the doctor and they till wsaid I jad debits come in so they took my money out of my saings and I neer gave them that right to doand ad oerdraft so why did they not use it since someone took my money and paid that off too. There is something ery wrong with my account and een if it was $6,900. JSC still took $1,700 without my permission? I will most likely get money from the bank down her to pay off the loan and close out Wellby/JSC but they should be charged with fraud. They definitely lied to me about a hold on my saings and when a person is 85 years old and they saings account is frozen that is a very "scary" feeling to do that to a 75 year old woman. They take money from my account without takig it from my line of credit, they are tkaing it wihtout my approal. The freeze myt saings top where /i cannto touch it. They cannot explain or tell e what happened to $1,700. When I took out the. loan they told me the "freeze" would come off my saings account with a few months and now that it is Wellby/JSC that was a lie? I am trying to oerpay that personal loan so I can hae my daigs unfrozen and returned to me. Any elderly person who banks there has no rights whatsoeer and what tey are doing to us who are elder is just wrong. The State of Missouri told me they cannot do anything her because een though I lie her the credit un ion is in Texas and I would hae to go to the proper federal authorities. I am not realy sure who the propfederal authorities are for a federal credit union but something needs to be done. I am paying this loan each month on time and pay more tha is due and yet they still hold my savings. They even held my savings when it was more than the loan and told me I cannot touch it but they touched it and drew all the money out of it.

Hi Sharon. I'm sorry that you're dealing with this situation. It sounds a bit complex and detailed, so I would like to reach out to you to discuss your options in getting this resolved. I will be in touch and look forward to speaking with you, but please feel free to reach out to my office at 312 300 5996 at a time that works best for you. Thanks, Mike

Hi Sharon. I'm sorry that you're dealing with this situation. It sounds a bit complex and detailed, so I would like to reach out to you to discuss your options in getting this resolved. I will be in touch and look forward to speaking with you, but please feel free to reach out to my office at 312 300 5996 at a time that works best for you. Thanks, Mike