Gaitelband Designs

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
The response is inaccurate just as their call center (lack of knowledge) and reporting have been What continues to transpire at this point is continued stress and some their Member being treated unfairly, discriminated against as proof will show that my account (just as Jessica L*** promised in her email reply that was attached) would be personally overseeing my account By promising to do this and following through with her retaliatory "promise", MsL***, acting on behalf of Chesterfield Federal Credit Union has handled my account reporting differently than "other Chesterfield Federal Credit Union loan/account holders." I have been discriminated against and as this continues to draw out with Chesterfield Federal Credit Union and their resistance to do right by their member, it is clear that another venue is needed to fix an issue that could have been resolved months ago by Chesterfield Federal Credit Union and now as the damage has been done to me/my credit by Chesterfield Federal Credit Union not "listening" to their member and not actually "reading" the complaint instead interpreting it in the fashion that allows Jessica L*** and others at Chesterfield Federal Credit Union to hide behind their perceived correct handling of this situation.It is more than obvious that a different set of eyes need to be laid upon this case This could have been handled differently through good customer service and common sense somewhere along the line at Chesterfield Federal Credit Union.
Regards,
*** ***

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[Provide details of why you are not satisfied with this resolution.]
Regards,
*** ***
Good eveningMy problem with this complaint is that the bank manager keeps updating my report when a complaint is made and she updates it bring the date forward to the current monthThe original CO was from She is falsifying the records and stating that the charge off is recentI have since been denied a car loan, house loan and a job offer due to this derogatory, inaccurate informationI'm not certain if you're able to request that they correctly report what they are legally allowed to state or do I need to have an attorney get involved at this pointIt has already hurt my family and I financially as well as housing opportunities and has cost us a tremendous amount of time, concern, worry and moneyPlease advise me on what I may do to correct thisThank you

Revdex.com Serving Central Virginia720 Moorefield Park Dr., Ste 300Richmond, VA 23236 Re: Case #[redacted] Good afternoon,Thank you for allowing us the opportunity to offer our accounting of the events as they transpired with our Member and in this case, the complainant.    On April...

20th, our member/complainant visited our Brandermill branch location and submitted an in-depth written request for Chesterfield FCU to correct erroneous credit reporting.  After speaking with the member in branch and doing their own review of account history, branch staff forwarded the request to the VP of Lending for additional assistance on April 25th.  On April 26th and 27th, a thorough review of the member’s account history, to include payment history, was done and an in-depth email response was then generated and sent to the member addressing each of his concerns individually and providing an accounting of the Credit Union’s actions and research.  In addition, immediate steps were made to ensure that all reporting was accurate and updated with all major credit bureaus.    Our member’s complaint states that “My payment is due on the 20th of the month.  I have paid it on the 20th of the month many times and it has never been considered 30 days late.”  What it fails to say is that payment is generally made on or around the 20th of the following month.  Not the month it is due.  For example, the December 20th payment was paid on January 21st (32 days delinquent).  In addition, the March 20th    payment was paid on April 20th (31 days delinquent).     Our member is upset that we will not agree to erase these 30 day late payment recordings from the credit file.  At no time has the Credit Union reported the account as greater than 30 days late.    The Credit Union does acknowledge a mistake in the response dated April 27th stating that the March payment was paid 33 days late.  The correct information was 31 days late.  This mistake would not affect credit reporting. In addition, our member’s complaint states that a male representative of Chesterfield FCU “failed to provide the correct information including that the drive thru hours were until 5:30pm”.  Again the member has failed to provide the full picture.  In the written dispute received by the Credit Union on April 20th, the member admits to asking about branch hour availability for making a Shared Branching transaction from his account with a different credit union.  As explained in the Credit Union’s response dated April 27th, Shared branching services (transactions from accounts held by credit unions other than Chesterfield FCU) may only be made in the lobby, not through the drive through.  Therefore the information provided to the member at approximately 4:50pm, when he called to inquire about hours of operation were correct, the lobby (where the type of transaction he was attempting to make must be made) closed at 5pm.   The Credit Union is very sorry that this situation has caused undue stress and trauma on the complainant.  Chesterfield FCU takes member service and its role as a credit reporting furnisher very seriously.  At no time is it acceptable to fail to correct a mistake or provide misleading or incorrect information in a way that is less than professional and courteous.    However, Chesterfield FCU must also report information as it occurred and unfortunately, the complainant made two recent payments beyond 30 days past due.  This delinquency would negatively impact the credit file and rating associated.    Attached, you will find a copy of the credit union’s response dated April 27th as supporting documentation.  If additional information is required, please do not hesitate to inquire and it shall be presented, provided it doesn’t release protected information.  Thank you again, for your time and consideration of this response.   Sincerely,Ellen B. B[redacted]VP of Member Services  CONFIDENTIALITY NOTICE: This e-mail message, including any attachments, is for the sole use of the intended recipient(s) and may contain confidential and privileged information or otherwise be protected by law. Any unauthorized review, use, disclosure or distribution is prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message.

Mr. [redacted], Chesterfield Federal Credit Union
(CFCU) has received notice of your complaint with the NCUA and are drafting
this letter in response and hopefully conclusion of this matter.  We have thoroughly researched and responded
to each of your numerous queries and feel that additional...

correspondence
regarding this matter is duplicitous.   I
intend to outline below the sequence of events with your account as documented
by our notes in an effort to fully explain our intense involvement and
commitment to exemplary member service.Please allow me to outline the sequence of events as detailed
by our notes:09.01.15- Prime
Checking account balance went negative.09.26.15- Delinquency
Notice one generated and mailed to address on file.10.11.15- Delinquency
Notice two generated and mailed to address on file.10.15.15- CFCU
staff called Member’s place of employment and were notified that he was no
longer employed.  Staff then called the
home number on file, left a voice mail and sent an email to the email address
on file. 10.28.15- CFCU
staff received an email response from Member asking what the first email was
regarding.  10.28.15- CFCU
staff replied by email to please call as soon as possible with regards to an
account.  Member instead responded by
email asking for balance information.  CFCU staff provided the requested information
by email and asked when Member would be able to take care of the negative
balance.   10.28.15- Member
replied, again by email, asking for a statement showing the negative
balance.  CFCU staff responded explaining
that the information was available to online and requesting again that Member
call to discuss.  No further
communication was received. 11.24.15- The
account was charged off as a loss.11.27.15- The
account was processed to be sent to the attorney for further collection.11.30.15- The
account was reported to the credit bureaus as a charge off.08.16.16- CFCU
responded to an Eoscar dispute made by Member regarding the information
reported.09.02.16- CFCU
responded to a second Eoscar dispute regarding the information reported and
mailed out, at Member’s request for validity purposes, a response letter,
membership form, and all available statements. 09.14.16-
Correspondence that was mailed to Member on 09.02.16 was returned as unable to
forward, return to sender.10.07.16- CFCU
received and responded to another Eoscar dispute.10.21.16- CFCU
received and responded to another Eoscar dispute.11.21.16- CFCU
staff spoke with member by phone at which time a new address was provided.  Member was also advised to speak directly to
attorney regarding the account as it was no longer being handled internally.
Member contacted the attorney and was advised they did not have the file.  Apparently the submission wasn’t processed
fully so CFCU staff apologized and advised staff would work with Member
directly to prevent additional attorney fees. 
Member advised that he wanted to negotiate the balance due and have the
charge off  reporting removed from his
credit file.  CFCU staff advised that
would not be an option. Member asked for situation to be escalated. 11.21.16- In
response to member’s request for escalation, I called the Member back.  Again he asked for the information to be
removed from his credit file because of all of the misinformation he had
received.  I explained that the only misinformation
I could see, after researching the information, was that the account was not
fully assigned to the attorney.  I
advised that we had responded to each Eoscar dispute and even attempted to mail
information as requested.  During this
conversation it was noted that the address on file was missing a unit
number.   I offered to resend out the
information that had originally been sent out on 9.2.16 and the member agreed.  The information was mailed as stated. 11.21.16- Member
sent email to CFCU staff advising that once the statements were received he
would call with a plan to resolve. 11.30.16- Member called back looking for the promised
mailing and said he was willing to pay in full but still hadn’t received the
mailing.  Confirmed that it was mailed. 12.02.16- Member
called in stating that he had located an old statement and that half of the
balance was fees and he wanted to negotiate the amount.  Staff again advised the member that the balance
due was non-negotiable and went over history with Member in detail. Staff also sent
email with the information as well as mailed out copies of the statements again
for the Member’s records. Member then sent email again requesting for fees to be
waived. 12.08.16- Member
called and left message.12.09.16- CFCU staff
returned call and left message.12.09.16-
Received email from member stating he wanted to pay. Member then called and
wanted to pay over the phone.  Staff
advised service not available.12.14.16- CFCU
staff received check for payment in full. 
CFCU staff closed account.01.12.17- CFCU
staff reported to credit bureaus that account was no longer a charge off but
was now a Paid Charge Off02.16.17- CFCU
staff responded to a dispute from TransUnion.04.12.17- Member
contacted CFCU staff in an effort to understand why credit reporting was
updated.  Member was not satisfied in
speaking with CFCU staff and emailed me (after hours).  Member again wanted the reporting to be
removed completely from his credit file claiming since it was never sent to
outside collections it shouldn’t be considered a charge off.  In addition, Member claimed that he was in
receipt of the letter that was mailed in November and that it was
damaged/opened leaving concern because certain information was not
redacted.  04.12.17- CFCU
staff responded to an Eoscar dispute.04.15.17- I
received a second email from the Member (this time on a weekend) wanting to
know why I had not responded.  I was out
of the office on 4.13 and 4.14. 04.17.17- CFCU
staff responded to an Eoscar dispute.04.19.17- I
completed my research of all the data involved with the Members situation,
submitted a Final AUD through Eoscar and sent the following response by email
to Member:Mr. Member,Thank you again for your patience as I reviewed your
account in detail.  I believe you
referenced the most recent April update on your credit file in your
correspondence.  This update was a result
to CFCU's response to a dispute you filed through your credit bureau
provider.  Any time we receive a dispute
through that source, we must respond creating a recent reporting.   In response to your email below, I
personally have created an update with all 4 major credit repositories.  As you have requested my assistance, I felt
it was best that I personally prepare and provide a credit reporting update
that demonstrated my findings.  The
latest update reports the following information:Date opened: 07-14-14FCRA 1st Date of Delinquency: 11-24-15 (when we charged off
your account) Date of last payment and Date closed: 12-15-16 Current Status:
Paid charge off Date of account information: 04-19-17 (current date information
is verified)In reference to your secondary concern regarding the open
mail and personal information: When a Member has requested specific information
related to account verification and identity, information is not commonly
redacted.  This is because it is
necessary to provide the proof and verification as requested.  Information is of course redacted for all
publicly accessible information as well as when pertinent in electronic
communications.   As the correspondence
that was mailed was done at your request for verification and identity
purposes, the information was not redacted. 
I am sorry to hear that it was delayed in receipt and arrived
damaged.  Unfortunately, we can't be
responsible for the condition of the information once it is deposited with the
United Postal Service.  I believe I have addressed your most recent inquiries, if
there are additional questions, please let me know.  Thank you again. Sincerely,Jessica L[redacted] Chesterfield Federal
Credit Union apologizes for the longevity of this situation, however feels that
it has done everything within its power to provide requested information and
answers in a timely and efficient manner. 
In addition, Chesterfield Federal Credit Union has gone above and beyond
to respond to Eoscar disputes and ensure that the information reported to the
credit bureaus is in fact accurate as of the date of reporting. Respectfully, Jessica L[redacted]VP Lending