- Communicate your complaint to the credit union
- The credit union will deal with your complaint courteously, fairly, and provide a timely decision
- If your complaint has not been resolved to your satisfaction within 30 days, it will be moved to the next level of the credit union's internal authority. This process will continue until a resolution is reached or all levels of the credit union's dispute process have been exhausted without resolution.
- If you are unsatisfied with the credit union's final decision, you may take your complaint to the Ombudsperson.
Ombudservice
Complaints Resolution
Developing long-term relationships is the foundation of our commitment to delivering high-quality service to our members and to the general public.
It is important that you are happy with the service we provide; however, we recognize that things can sometimes go wrong. As a result, we have implemented a formal complaint resolution process to deal with these situations.
If you have a complaint about the service we provide or the products we offer, we want to hear from you. If you are not satisfied with how the credit union has handled your complaint, you can seek involvement of the third-party Ombudsperson. The Ombudservice can be used by anyone – not only members of the credit union.
The Ombudsperson seeks satisfactory resolution of complaints with a view to fairness and does not advocate for either the individual or the credit union when investigating disputes. This service is free of charge to the individual.
It is important that you are happy with the service we provide; however, we recognize that things can sometimes go wrong. As a result, we have implemented a formal complaint resolution process to deal with these situations.
If you have a complaint about the service we provide or the products we offer, we want to hear from you. If you are not satisfied with how the credit union has handled your complaint, you can seek involvement of the third-party Ombudsperson. The Ombudservice can be used by anyone – not only members of the credit union.
The Ombudsperson seeks satisfactory resolution of complaints with a view to fairness and does not advocate for either the individual or the credit union when investigating disputes. This service is free of charge to the individual.
Complaints Process
Stage 1: Credit Union's Internal Dispute Resolution Process
Stage 2: Involvement of the Ombudsperson
- Your formal complaint to the Ombudsperson must be filed within 180 days of receiving the credit union's final decision.
- The Ombudsperson will review all relevant information concerning your matter and make a recommendation to resolve your complaint.
- The Ombudsperson is not able to respond to all types of complaints and will notify you if this applies to your complaint and the reason why.
- The Ombudsperson's recommendation is not a binding resolution for your complaint unless mutually accepted by you and the credit union.
Stage 3: Other options to achieve satisfaction
If you are still unsatisfied following involvement of the Ombudsperson, you may wish to explore other options to achieve satisfaction, such as:
- Engaging an Alternative Dispute Resolution Service.
- If your issue is privacy related, filing a complaint with the Privacy Commissioner of Canada
- Filing a complaint with the Provincial Consumer Affairs department in your province.
- Pursuing legal action.
Questions?
We're here to help. For more information or questions on the complaint process, please reach out by phone, email or visit us in person.
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Copyright 2024 St.Joseph's Credit Union. All rights reserved.
Mortgage License # 3000020
Copyright 2024 St.Joseph's Credit Union. All rights reserved.
Mortgage License # 3000020
