Everyone has felt angry at a business at least once, and credit unions are no exception. In fact, people might even get angrier if they have a problem related to their bank account, simply because money is so necessary to society.

Fortunately, most bank account-related problems can be solved quickly and easily, and usually in your favor. There are some steps that you can take to make problem resolution easier.

What should you do if you have a problem with a your account?

Let Yourself Feel Angry

One of the worst things you can do if you feel angry is to try to push it down or pretend like your anger doesn’t exist. Instead, admit that you’re angry and why you feel that way. This not only helps you clarify the problem you want fixed, it can even help you figure out if you’re angry at just one issue or if there might be another reason you’re mad.

For instance, If you got hit with an overdraft fee, that makes you want to scream, once you’ve let yourself be mad ask yourself why you are upset. Is it the fee itself, or is there another reason? Maybe you’ve had a lot of expenses this week and you really needed that money, or maybe this fee is the latest in a long line of things that have gone wrong that day.

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Don’t Act on Your Emotions

While letting yourself feel angry is important, you should avoid acting on your feelings. Instead, wait until your anger passes before reaching out to someone. When you do this, you’ll have the benefit of thinking clearly, and you won’t have to worry about the situation spiraling out of control.

Prepare to Chat With Customer Service

In order to get your issue resolved, you’ll more than likely have to chat with someone in customer service. Before you reach out to the company, though, take a few moments to prepare.

Your first step should be to define the problem clearly, whether it’s that you got charged a fee you weren’t expecting or that an ATM ate your debit card. In addition, you’ll also want to have a clear solution in mind, such as:

• Getting the fee reversed
• Obtaining a new debit card
• Restoring access to your account
• Resolving an issue with your credit report

You’ll also want to have any supporting documents with you when you talk to someone at the business. These could include a copy of your bank statement, a list of fees or just a note about which ATM ate your card.

Finally, make sure you set aside plenty of time to talk to someone. Your chat with customer service will be a lot smoother if you’re not pressured to get it done in a certain amount of time.

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Our Member Experience Advisors are Here to Help

When you finally talk with a Member Experience Advisor, remember, they are there to help. Explain what your problem is, try to include as many specifics about the issue you’re having as possible, and ask if they understand what your problem is when you’ve finished.

Once you’re done, wait to see what the Member Experience Advisor can do. Many times an advisor will be able to help you with your issue, especially with a credit union, where its members are also its owners.

Regardless of whether your issue is resolved or not, though, be polite to the person who’s helping you. They want to resolve any issue for you as quickly as possible.

Have a Good Member Experience With First Alliance Credit Union

If you have a problem with your account, you should know what steps to take to increase the odds of getting some help from customer service and avoid saying or doing anything you might regret later. Give yourself some time to feel angry and calm down, then prepare to talk to customer service by making sure you know the exact problem you’d like them to solve and how you’d like them to solve it. When you talk to customer service, be polite and make sure they understand the situation before they take any action, and then figure out your next step.

If you do have an issue with First Alliance Credit Union, reach out to us, either through our call center, live chat or talk to a member advisor personally. We care about your experience and our advisors will do everything in their power to help you out.