I am adopted, disabled and needed money from my father. I have brain damage, PTSD. The bank emailed me for proof I was who I said I was. I mailed them my license (from the state I live in, not Maine), SS card, Birth Certificate, Covid card, Voters registration card, proof of citizenship and about 12 more. They told my father that my ID was fake and I was a scammer. WHAT! BULL...
I am adopted, I am Asian by birth but my adopted parents are white. They completely do not understand mental illness, PTSD. They just say GET OVER IT. The relationship is damaged but because of my illness and this HORRIBLE bank, I no longer call them family.
I was having several months of illness, brain fog. I got behind on my bills.I had someone get into an accident with one of my trucks, DWI and the insurance didn't cover it. I have 2 work trucks. One I owe on and one I took out a Title loan (That one I paid cash for). The title loan company told me the first payment was 2 months away. I thought I could handle that. I get paid biweekly so my first payment was on my payday. More than my check, plus I had the printed out schedule of payment dates. I also, without understanding because I was mentally ill at the time, signed the contract with the second set of payments and dates.
I was trying not to ask my father for money, but I couldn't pay anything. I shut completely down and didn't leave the house for a month. I had a deadline. At first they told me the entire bill was due, then I found out I could make a smaller payment. I can't afford to pay my car insurance now, so I can't drive and my license is suspended. My lawyer friend corrected that for me. The vehicle is gone and now owes 10k plus...
My father agreed to send me the funds, before the last due date. The bank put a big halt on that. They told my father I was a scammer. Hmmm....
Then asked me for my ID, when I sent it to them, they told me I sent a fake ID in. WHAT a joke. Honestly I don't care about the money now, but do care they scammed my dad and ruined what little relationship we had. I no longer will ever talk to my dad. Tired of explaining this isn't going away and there is no magic pill for it either.
I also feel they tagged me "Banking While Asian" and since my name doesn't match my face. Then now I had a fraud alert on my account. My bank, USAA, is great, they stopped all that bullshit. I have used USAA for over 15 years now, they understand my PTSD.
Next I think because my dad is rich, they just want to make money off his money. The only time I will ever talk to my father again is if he leaves this bank. I have blocked him and deleted the other accounts we used to contact. I am going to be homeless, haven't had food. I had an estate company come and pick up all my furniture to sell for me. They will sell my good items for pennies on the dollar. When you are poor the wolves come out.
Before my license gets suspended again, I have my tent ready and going to move into the woods. That is the only thing I can do. As the estate company sells my life, I will have some money, but for now. All I can do is tell everyone how HORRIBLE this company is. I made a mistake, but this bank is the worst bank in the world. USE USAA if you need a good credit union.
I do have a meeting with NAMI, they are looking into the legal issues.
I want this bank to know my ID was real and I am real. I have no family now. That is OK, I am used to it. My Korean family sold me as a baby to the adoption agency. No one wants me and I am OK with that. I told my father if it was trouble for him or he couldn't afford it, it was OK just tell me. At first he said no, I was OK with that. Like always when the due date came up, I tried again, telling him all I needed was a yes or no.
He said yes, I was thrilled. I could stay in my home and get my vehicle back that I needed so badly. Then the bank gave us trouble. I am sorry if reports are all over the place, I am so sick right now. I haven't had food for a week now, brain fog is bad. To continue on, he told me the bank was having issues. Then he wrote to me after talking to the BANK, he was never writing to me again by the bank's suggestion.
His email means the world to me, or used to. I told him I didn't want the money and now I am just angry over them saying I am a scammer and sending them fake ID. Then I thought about it, he would rather trust a bank than his adopted son, then that was the last straw for me. NO MORE FAMILY. Keep your money.
I am so sick and I leave in the morning for the tent life. I plan to stay up all night and put my story out there as much as I can. Yes, I am bat s**t crazy. Thus the reason I stayed away when I had family. Now I have nothing. I hate my so-called father now and WILL NEVER SPEAK OR CONTACT HIM AGAIN. I am done
I was a secondary buyer on a vehicle that was financed through the car dealership and was approved for the loan amount of $8500 +tax/tag/title/registration fees which was done through Midwest America FCU. During this time I was the only person in the home working and paying all the bills. I had reached out to MWAMFC to allow them to notate my account and to let them know that I would catch up on payments, but they would be late. I even was offered the opporutnity to do the skip a payment option in which I did that twice in the entire life that the loan for the two years I had the vehicle in my drive.
I was a week outside of the two month payment and made a phone call within that week to allow them to know that the payment would be in the mail on the following Friday. I went through the procedures and let them know up front what was going on. I awoke to two men ripping up my entire front yard to hook up to the truck and came to my door asking if I had the keys. I was not going to deny anything and gave them the keys willingly. They did not hook the truck up to the tow option, they drove the truck to Bowling Green, Kentucky (about a 30 minute drive from my home) in which they explained the reposession and more.
I reached out to Stan Shank on that following Monday in which he proceeded to tell me that I needed to pay the entire loan in full in order to ever see the truck or any contents in it again. I didn't have that kinda of money, nor do I know anyone that does. He made derogatory comments about how I need to work more, ask for advances in pay, should go find someone who I can cry to in order to get the money. I am an educator and work very hard in school and at work in order to provide for myself. He told me that he would only give me 3 days to come up with the money when the letter from them showed that I had 10-14 days to make arrangements or was able to pay a lower amount on the vehicle to get it back in good standing.
I was forced to pay around $1,300 in order to get the vehicle out of reposession and I was never told that this would bring the account up to current. This was just to get the vehicle out of the grassy yard that it was fenced in. I was furious. Stan Shank is not one that I would ever work with.
Just this month, I was looking at seeing about getting the loan out of my name and went to the Barren County clerk's office to see if this is something that was possible to be done. The county clerk herself told me that it is possible to be done, can generally be submited in 24 hours and finished. She told me that I would have to contact the lien holder and see if they would releast the lien in order to allow me to sign the title to her name only and then release myself free from all financial obligations to this vehicle. When I called MWAFCU they transferred me back to Stan in which he continued to harrass me in very derogatory ways. I asked him simply what could be done. He advised me of the following, "You were the stupid one who signed on with someone else, I have the account in collections status still and I will not allow it to come out of that or be released in any way until the entire loan is paid off, I'm not an idiot like you." He also made the comment that "If you think I'll allow Christie (the other name on the truck loan) to refinance, I'll make it so difficult for her to be able to do so, and if she is able, I'll make sure that I get her on the interest, I'll get my money from you idiots!" I was appalled. The truck has had every payment made on time or within a few days of due date with the late fees attached to the payment. If the account is currrent and he is still holding my account information in collections this is not only damaging things but it has ruined my credit.
I will never recommend anyone to go through MWAFCU for anything at all. They are unrealistic. The agents on the phones are nice but they never update or notate the account that you call about. Stan Shank is the absolute worst person to deal with an he is never willing to understand anything about other people. Stan should not be allowed to work in the indusry that he does and he definitely needs to have some form of actions in order to come against him. I have been nothing but cordial to him in each time that I speak with him, but he makes it entirely too difficult.
MidWest America Federal Credit Union Reviews
I am adopted, disabled and needed money from my father. I have brain damage, PTSD. The bank emailed me for proof I was who I said I was. I mailed them my license (from the state I live in, not Maine), SS card, Birth Certificate, Covid card, Voters registration card, proof of citizenship and about 12 more. They told my father that my ID was fake and I was a scammer. WHAT! BULL...
I am adopted, I am Asian by birth but my adopted parents are white. They completely do not understand mental illness, PTSD. They just say GET OVER IT. The relationship is damaged but because of my illness and this HORRIBLE bank, I no longer call them family.
I was having several months of illness, brain fog. I got behind on my bills.I had someone get into an accident with one of my trucks, DWI and the insurance didn't cover it. I have 2 work trucks. One I owe on and one I took out a Title loan (That one I paid cash for). The title loan company told me the first payment was 2 months away. I thought I could handle that. I get paid biweekly so my first payment was on my payday. More than my check, plus I had the printed out schedule of payment dates. I also, without understanding because I was mentally ill at the time, signed the contract with the second set of payments and dates.
I was trying not to ask my father for money, but I couldn't pay anything. I shut completely down and didn't leave the house for a month. I had a deadline. At first they told me the entire bill was due, then I found out I could make a smaller payment. I can't afford to pay my car insurance now, so I can't drive and my license is suspended. My lawyer friend corrected that for me. The vehicle is gone and now owes 10k plus...
My father agreed to send me the funds, before the last due date. The bank put a big halt on that. They told my father I was a scammer. Hmmm....
Then asked me for my ID, when I sent it to them, they told me I sent a fake ID in. WHAT a joke. Honestly I don't care about the money now, but do care they scammed my dad and ruined what little relationship we had. I no longer will ever talk to my dad. Tired of explaining this isn't going away and there is no magic pill for it either.
I also feel they tagged me "Banking While Asian" and since my name doesn't match my face. Then now I had a fraud alert on my account. My bank, USAA, is great, they stopped all that bullshit. I have used USAA for over 15 years now, they understand my PTSD.
Next I think because my dad is rich, they just want to make money off his money. The only time I will ever talk to my father again is if he leaves this bank. I have blocked him and deleted the other accounts we used to contact. I am going to be homeless, haven't had food. I had an estate company come and pick up all my furniture to sell for me. They will sell my good items for pennies on the dollar. When you are poor the wolves come out.
Before my license gets suspended again, I have my tent ready and going to move into the woods. That is the only thing I can do. As the estate company sells my life, I will have some money, but for now. All I can do is tell everyone how HORRIBLE this company is. I made a mistake, but this bank is the worst bank in the world. USE USAA if you need a good credit union.
I do have a meeting with NAMI, they are looking into the legal issues.
I want this bank to know my ID was real and I am real. I have no family now. That is OK, I am used to it. My Korean family sold me as a baby to the adoption agency. No one wants me and I am OK with that. I told my father if it was trouble for him or he couldn't afford it, it was OK just tell me. At first he said no, I was OK with that. Like always when the due date came up, I tried again, telling him all I needed was a yes or no.
He said yes, I was thrilled. I could stay in my home and get my vehicle back that I needed so badly. Then the bank gave us trouble. I am sorry if reports are all over the place, I am so sick right now. I haven't had food for a week now, brain fog is bad. To continue on, he told me the bank was having issues. Then he wrote to me after talking to the BANK, he was never writing to me again by the bank's suggestion.
His email means the world to me, or used to. I told him I didn't want the money and now I am just angry over them saying I am a scammer and sending them fake ID. Then I thought about it, he would rather trust a bank than his adopted son, then that was the last straw for me. NO MORE FAMILY. Keep your money.
I am so sick and I leave in the morning for the tent life. I plan to stay up all night and put my story out there as much as I can. Yes, I am bat s**t crazy. Thus the reason I stayed away when I had family. Now I have nothing. I hate my so-called father now and WILL NEVER SPEAK OR CONTACT HIM AGAIN. I am done
I was a secondary buyer on a vehicle that was financed through the car dealership and was approved for the loan amount of $8500 +tax/tag/title/registration fees which was done through Midwest America FCU. During this time I was the only person in the home working and paying all the bills. I had reached out to MWAMFC to allow them to notate my account and to let them know that I would catch up on payments, but they would be late. I even was offered the opporutnity to do the skip a payment option in which I did that twice in the entire life that the loan for the two years I had the vehicle in my drive.
I was a week outside of the two month payment and made a phone call within that week to allow them to know that the payment would be in the mail on the following Friday. I went through the procedures and let them know up front what was going on. I awoke to two men ripping up my entire front yard to hook up to the truck and came to my door asking if I had the keys. I was not going to deny anything and gave them the keys willingly. They did not hook the truck up to the tow option, they drove the truck to Bowling Green, Kentucky (about a 30 minute drive from my home) in which they explained the reposession and more.
I reached out to Stan Shank on that following Monday in which he proceeded to tell me that I needed to pay the entire loan in full in order to ever see the truck or any contents in it again. I didn't have that kinda of money, nor do I know anyone that does. He made derogatory comments about how I need to work more, ask for advances in pay, should go find someone who I can cry to in order to get the money. I am an educator and work very hard in school and at work in order to provide for myself. He told me that he would only give me 3 days to come up with the money when the letter from them showed that I had 10-14 days to make arrangements or was able to pay a lower amount on the vehicle to get it back in good standing.
I was forced to pay around $1,300 in order to get the vehicle out of reposession and I was never told that this would bring the account up to current. This was just to get the vehicle out of the grassy yard that it was fenced in. I was furious. Stan Shank is not one that I would ever work with.
Just this month, I was looking at seeing about getting the loan out of my name and went to the Barren County clerk's office to see if this is something that was possible to be done. The county clerk herself told me that it is possible to be done, can generally be submited in 24 hours and finished. She told me that I would have to contact the lien holder and see if they would releast the lien in order to allow me to sign the title to her name only and then release myself free from all financial obligations to this vehicle. When I called MWAFCU they transferred me back to Stan in which he continued to harrass me in very derogatory ways. I asked him simply what could be done. He advised me of the following, "You were the stupid one who signed on with someone else, I have the account in collections status still and I will not allow it to come out of that or be released in any way until the entire loan is paid off, I'm not an idiot like you." He also made the comment that "If you think I'll allow Christie (the other name on the truck loan) to refinance, I'll make it so difficult for her to be able to do so, and if she is able, I'll make sure that I get her on the interest, I'll get my money from you idiots!" I was appalled. The truck has had every payment made on time or within a few days of due date with the late fees attached to the payment. If the account is currrent and he is still holding my account information in collections this is not only damaging things but it has ruined my credit.
I will never recommend anyone to go through MWAFCU for anything at all. They are unrealistic. The agents on the phones are nice but they never update or notate the account that you call about. Stan Shank is the absolute worst person to deal with an he is never willing to understand anything about other people. Stan should not be allowed to work in the indusry that he does and he definitely needs to have some form of actions in order to come against him. I have been nothing but cordial to him in each time that I speak with him, but he makes it entirely too difficult.