Patelco Credit Union

Initial Business Response / [redacted] (1000, 5, 2014/10/14) */ October 14, Mr [redacted] J [redacted] Street [redacted] CA XXXXX Dear Mr***, I reviewed your account statements from January through September to see where those ATM fees came from that you refer to in your letterYou were charged times at ATMs not affiliated with Patelco or the credit unions in the CU networkThe charges came from the Graton casino, [redacted] ***, House of Cigar, The Green,Wells Fargo Bank,Pai Iso,US Bank,etc Total fees from these ATM withdrawals are $ I've had these fees reversed for you as a courtesyGoing forward, please use the ATMs listed in the Patelco.org website Sincerely, [redacted] A [redacted] Voice of the Member Patelco Credit Union

Patelco will not answer the phone Don't bother to call because they do not answer I have ordered a new debit card almost a month ago and they still have not sent it to me I call and call but they don't answer the phone Terrible customer service!

Initial Business Response / [redacted] (1000, 5, 2015/09/10) */ September 10, Dear Mr [redacted] , Thank you for the opportunity to discuss this matter with youFirst, we have records of your communication with the Loan Officer you worked with and so it is puzzling why you think he is unresponsiveSecondly, we work with licensed appraisers in California and rely on their findingsWe have credited the card you used to pay for the appraisal today for $and not the $as mentioned in your complaint To our knowledge, you are not a Patelco member and based on the information we obtained, you live, work and worship in the areas we do not serve and therefore, you are not eligible for Patelco membershipAlso, the following are the reasons why your loan was declined: [redacted] Custom built log homethe appraiser had difficulty finding comps and the comps used are 15-miles away and differ in style and construction [redacted] The distance between the subject and the comparable properties far exceeds that would be considered acceptable [redacted] Subject square footage of is well above the median square footage for the area which range from XXXX-XXXX [redacted] It is on a private road maintenance that is on an "as needed" basis by residents of the road Thank you once again for sharing your comments with us through the Revdex.com Sincerely, [redacted] A [redacted] Voice of the Member Patelco Credit Union Initial Consumer Rebuttal / [redacted] (2000, 7, 2015/09/24) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept Patelco's response in that they have returned my appraisal feeHowever, I do believe that it would be in everyone's best interest for Patelco to discontinue their practice of accepting mortgage applications, pre-qualifing and ordering appraisals for those they deem not in their service area, after all they new my address from day one and it did not hinder their decision to move forward in the process Additionally, they stated "we work with licensed appraisers in California and rely on their findings", which obviously isn't the case since almost all of their reasons for denying this loan were appraisal based

Initial Business Response /* (1000, 5, 2014/07/17) */
July 17,
Ms*** ***
*** *** Road
*** ** XXXXX
Dear Ms***,
We received your complaint from the Revdex.comYour complaint states that you had a credit card with a fixed rate at 8.9%
in and when the Credit Union increased the rate you apparently obtained our agreement to keep your card's rate at 8.9% if you agreed to close your accountAnd you just found out recently that the interest rate was not at the fixed rate for "the past to years." For your awareness, any agreements we've made with our members are made in writing
In my thorough review of your account and credit card statements, I found that your Gold Visa account was established in November and your rate was at 8.9%This rate remained in place through November Federal regulations require that we notify our members of rate increases ahead of timeTo this effect, Patelco notified all our members weeks before the rate increased in late September In your case, your credit card statement of December reflected the rate change of 10.9% This rate has remained in place since then
The Billing Rights Summary is always attached to your monthly credit card statement and the first line states: What To Do If You Think You Find A Mistake on Your StatementWe ask our members to write to us if they find an error in their statement along with a filled out "Errr in Billing-Dispute Form."
In April 2010, we closed your credit line at your request and your account record shows that you continue to pay down the debtWe have a record trail of your calls to our Member Contact Center and I noticed that you emailed us on April 16, and our internal notes stated that the issue was resolvedYou called us on July 1, and twice last monthOur Card Services Manager left you a message on June 30th but no call back was received from you
As a courtesy, we can waive months of interest for youYou may want to contact our Card Services Manager at the number she left on your telephone or call our Member Contact Center at XXX-XXX-XXXX
Sincerely,
*** A***
Voice of the Member
Patelco Credit Union

I am new customer with Patelco I was informed, repeatedly, that my credit would only be pulled once within days if I wanted to apply for multiple products Well, in a period of days I applied for two separate products They pulled my credit twice, and now two full business weeks later the "loan specialist" still has not gotten back to me regarding what happened According to her, the issue was escalated two weeks ago - yet the customer has not been contacted minute wait times on the phone, overall awful customer service I will not give them anymore of my business

Initial Business Response /* (1000, 9, 2014/10/30) */
October 30,
Mr*** ***,
** *** Road
*** *** ** XXXXX
Dear Mr***,
Please accept my sincerest apologies for my late responseI was out of the office when the Revdex.com complaint came in on October 17thI
reviewed your account activities as well as your wife's to get a better understanding of the issues you presented in your complaintI also spoke to our Loss Prevention Manager of Risk Management/Fraud to obtain additional information about your account activitiesFrom this conversation I learned that he reached out to you in early October and was able to explain to you why several of your mobile check deposits were either returned to you or why funds were not made available to you immediatelyA decision was made for you to retain your mobile deposit access; however, please be mindful that holds *** be placed on mobile deposit checksI would recommend that you keep the funds on deposit rather than withdrawing them on the same day of deposit
Thank you for taking the time to share your concerns with usPlease contact me if you have any additional questions
Sincerely,
*** A***
Voice of the Member
XXX-XXX-XXXX
Initial Consumer Rebuttal /* (3000, 11, 2014/10/31) */
(The consumer indicated he/she DID NOT accept the response from the business.)
*** the issue is nobody at Patelco knows what the rules are, or what goes on from department to departmentWe were told repeatedly if we had over $in the account there would be no holdThat's not accurate, tried it todayWe were then told to use the ACH system but guess what for some reason that's limited as wellI can attach the screen shot and nowhere in the member handbook, on your site, or anywhere else does it accurately explain why that is the caseIt wasn't Loss Prevention getting involved that bothered me, it's how much time your staff wasted of ours with totally incorrect information, and often conflicting informationThat continues today, and I challenge you to show me where the site now indicates we have ACH limits too
Final Business Response /* (4000, 14, 2014/11/13) */
November 13,
Mr*** ***
** *** ***
*** *** ** XXXXX
Dear Mr***,
First, I would recommend that we take our communication off the Revdex.com website to protect your privacy and have your account information remain confidential
I am working on a response to your complaint and I will address your concerns as specifically as I canTo that end, kindly provide the specific transactions you are referring to; i.e., that no holds would be placed if you had over $in the account, the reference to your usage of the ACH systemI think that might be in reference to a specific deposit and dateWill you be able to provide samples that pertain to this reference?
I believe the responses that were provided to you pertained to specific transactions so given that, I would like to know what those transactions were and what dateWe do have a Check Hold Policy (Funds Availability Policy)that is mentioned in our Member HandbookThis can be accessed from the Patelco websiteFrom what I can see, ACH limits were applied to your accounts on September 30th based on your activities and I believe this was covered in your discussion with our Risk Manager.Please contact me at XXX-XXX-XXXX or by email at ***@patelco.orgI would like to discuss the specific transactions you have referred to in your complaint
I apologize for the lack of clarity on our part but I am hopeful that we can iron things out soon
Thank you for sharing your concerns with us
Sincerely,
*** A***
Voice of the Member

Initial Business Response /* (1000, 5, 2015/07/24) */
July 24,
Ms*** ***
PO Box XXXXXX
*** *** CA XXXXX
Dear Ms***,
I did a search to locate account records in your nameUnfortunately, my search revealed nothing
We don't have a membership in your nanne
and the provided PO Box address in San Francisco
Kindly write to me and provide your member numberI will certainly research as soon as I receive your information
My email address is ***@patelco.org and my direct line is XXX-XXX-XXXX
I look forward to hearing from you
Sincerely,
*** A***
Voice of the Member
Patelco Credit Union
Initial Consumer Rebuttal /* (2000, 7, 2015/07/28) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Thank you anyway I'm not satisfied with that decision but I ended up working it out with patelco I'm still highly disappointed but I do thank you for your response

Initial Business Response /* (1000, 5, 2015/10/02) */
September 30,
Ms*** ***
*** *** Ave**
*** ** XXXXX
Dear Ms***,
Thank you for your comments about your recent service experience regarding your auto refinanceI did a review of the notes we have on
file pertaining to your loan application
At the initial stage of funding your loan, we discovered an issue with the titling of the vehicleThe vehicle had two registered owners and only your name appeared in the loan applicationTo proceed with the loan, we required the other registered owner's signature not named on the loan; therefore we sent you a DMV form, REG to fill out requiring the registered owner's signatureWe did not get a push back from you at this pointWe later heard from you about the information on the back of the DMV form and you called us out on the signature requirement that you believed the DMV did not require
We understand how upsetting this was for you and again we extend our sincerest apologies
I would like to take this opportunity, however, to set the matter straight regarding your loan refinance experience
Patelco has a department staffed with people who are well-versed in all topics related to the California DMVThis group advised the Branch team you worked with regarding the signature requirement of the other registered ownerHere's that particular DMV "rule": "In typical situations when the registered owners are separated by an "OR" on the title, we are required to have the signature of one registered owner when completing DMV transactions; however, there is one exception to this ruleThe "OR" does not apply in a situation where one of the registered owners is either trying to remove the other registered owner and in your case, the other registered owner is absentYou reportedly did not know the whereabouts of the other person
In this particular case, one registered owner cannot sign as the "seller" and "buyer" for odometer disclosureThe registered owner staying on registration would sign as the "buyer." And the "seller" is missing in this caseThis DMV rule prevents one registered owner from removing the other without his/her knowledgeThe DMV Industry Handbook refers to this example in the Odometer Disclosure Requirements, section
We confirm that our Member Service representative did mention to you that we did not verify signatures (to emphasize, we can't verify signatures of persons who are not our members) but at no time did our representative advise you to commit forgeryThe absence of the other owner's signature is unfortunate in this case and therefore, we couldn't move forward with the refinance
The Branch team offered you a seasonal loan in lieu of the auto refinanceThis same team worked with our Underwriters to agree on a rate similar to the refinance ratePlease know that this was a rate exception that our Underwriters approvedYou accepted this offer on September 21st and a seasonal loan was booked for youWe also released the title to you
At your branch visit on September 21st, you mentioned to our Service Representative that you spoke with the DMV and they confirmed both signatures were required
We apologize for the distress we caused you as a result of the error at the early stages of fundingWe should have caught the titling discrepancy at that timeWe believe that we were able to change a negative situation into a positive oneThank you for your patronage and for giving us the opportunity to make this right for you
Sincerely,
*** A***
Patelco Credit Union
Initial Consumer Rebuttal /* (2000, 7, 2015/10/05) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I finalized the seasonal loan because I had no other optionOnce that is paid in full, I'll take my future finances and business elsewhere

Initial Business Response /* (1000, 5, 2015/02/27) */
February 27,
Mr*** ***
*** *** Way
** *** *** CA XXXXX
Dear Mr***,
Thank you for sharing your concerns with us and please accept my apologies for the inconvenience this situation has caused youWe placed
a business day hold on your deposited check in the amount of $194,on February 4th based on our compliance of Federal Regulation CCThe 7th business day that we were required to hold the funds was on February 13thYour funds were made available to you on February 17th which is the business day following the 13thFebruary 16th was Presidents Day, a Federal Holiday observed by Government Agencies and all Financial InstitutionsRegulation CC permits financial institutions to delay the availability of funds for a reasonable period of timeOur decision to delay for business days was based on the amount of the check and the type of check you deposited
On February 4th, you were advised by the teller who assisted you that she would place a business day hold on the checkIn response, you reportedly said you understood the hold placed in the branch, you deposited the check and signed the receiptAccording to the teller, you were not angry or upset when you left the branch
On that day, we also took notice of your plans to invest the funds and for your convenience; the teller provided you the wire transfer application that is needed for you to wire the funds once they were made availableOn February 10, 2015, you called our Call Center and you asked that the funds be made available to youWe tried to advise you of the hold period that you initially agreed to but we did not receive a positive reception from youWe also offered to make available $5,of the deposited fundsYou refused this offer
Our records show that we wired the funds to E*TRADE in the amount of $190,on February 17th with your approval
I hope this summary clearly explains the chain of events surrounding your deposited check and the hold we placed on the funds
Sincerely,
*** A***
Patelco Credit Union
Initial Consumer Rebuttal /* (2000, 7, 2015/03/02) */
(The consumer indicated he/she ACCEPTED the response from the business.)

Initial Business Response /* (1000, 5, 2015/09/15) */
September 15,
*** ***
*** *** Circle
*** CA XXXXX
Dear ***,
Your account was charged the NSF fees on the dates you indicated in your complaint because it was overdrawnYou didn't have funds in the
account when the automatic debits from PayPal came throughYour account would be charged the NSF fees whether the debit items were returned or not as long as your account balance remains overdrawnWe reversed the NSF fee that posted on September 2nd on September 4thThe fee assessment was explained to you by one of our call agents on September 4thAnother fee was reversed as a courtesy on March 5th when your account had insufficient funds for days at the beginning of MarchIn ***, your account had insufficient funds from *** 18th through *** 27th and your two deposits were not enough to cure the shortageWhile your account had insufficient funds on these dates, the automatic debits from PayPal continued to come inRegretfully, the NSF fees will not be refunded to you
I would recommend the following to avoid future fee assessments:
* Consider Overdraft Protection
* Consider signing up for the free online alerts to notify you of your account balance when debits
of a certain amount post
* Overdrafts are explained fully via the Member Handbook and you can view this online at patelco.org or visit your branch for a copy
Sincerely,
*** A***
Voice of the Member
Patelco Credit Union

Initial Business Response /* (1000, 9, 2015/02/25) */
February 25, 2015
I've attached Patelco's official response to Ms. [redacted] inquiries with our internal team. I sent her a package via UPS Ground with this tracking number: UPS Ground: 1Z XXX XXX XX XXXX XXXX on February 18th. The...

package contains our response based on the results of a thorough investigation, a cashier's check for the amount of low balance fees reversed in 2013 (prior to this, we mailed her a check for the amount of these fees reversed for 2014), copies of all statements from 2007 through January 2015 for her to review and recommendations for a bank product and service that might suit her financial needs. We closed Ms. [redacted]' account because she mentioned in her conversation with one of our Managers that she had no plans to continue her account. At that point, we also sent her a check for all the low balance fees assessed including the remaining balance at the time. I would recommend that she contacts the IRS for additional guidance on her usage of her Health Savings account from 2007 through 2010.
We wish Ms. [redacted] the best this year has to offer.
Sincerely,
[redacted] A. [redacted]
for Patelco Credit Union
Initial Consumer Rebuttal /* (3000, 11, 2015/03/05) */
(The consumer indicated he/she DID NOT accept the response from the business.)
No - I DID NOT ACCEPT Patelco's response. See my letter/response below.
- - - - - - - - - - - - - - - - - - - - - - - - - - -
February 23, 2015
Ms. [redacted], Voice of the Member
[redacted] Road
[redacted] XXXXX
Re: Member/Savings Account #XXXXXX
[redacted],
I am in receipt of your letter dated February 12, 2015 WHICH IS FULL OF LIES AND TOTALLY DISGUSTING!!!
For example, Ms. [redacted]'s calculations of my dividends ARE NOT ACCURATE, and I most certainly DID NOT GIVE MY APPROVAL IN THAT REGARD; that her calculations were correct!!!
THEY ARE NOT CORRECT!!!
Nor did Ms. [redacted] reimburse me for the appropriate reversal charges AS DISCUSSED!!!
Your investigation scenarios and/or dates do not match up!!! Obviously you did not read my communication dated January 30, 2015 to Ms. [redacted] because your correspondence to me just does not make any sense...
YOUR ENTIRE PERSONAL INVESTIGATION, REVIEW AND RESPONSE INTO MY ACCOUNT IS ABSURDLY FABRICATED (i.e. your eStatements/missing eStatements, your bank statements/missing bank statements, and your manipulated ledgers, etc.) ARE ALL NOW RECENTLY FABRICATED...!
And lastly, because you and your bank were unable to assist me with my original Help Ticket #[redacted] (My 2007 thru 2014 Interest/Dividend Research); you and your bank have now decided to intentionally give me the runaround and illegally close my account!!!
It is my intent to further pursue this matter!!!
[redacted] R. [redacted]
(Former Human Resources Manager at All FAB Precision Sheetmetal, Inc.)
[redacted] - Please be informed that I will be forwarding this communication "about your 2007 presentation to my previous employer All FAB Precision Sheetmetal, Inc. and their employees", so that "they can see what lies you have been telling about them as well."
CC: Revdex.com
All FAB Precision Sheetmetal, Inc.
IRS

Initial Business Response /* (1000, 5, 2014/04/03) */
April 3, 2014
Ms. [redacted]
PO [redacted]
[redacted] XXXXX
Dear Ms. [redacted],
This is to let you know that we have on record that you have spoken with our Card Services Manager on March 21, 2014 and you were advised and...

assured then that the credit of $89.41 shall remain in your checking account.
I believe you have the contact information of our Card Services Manager in the event you encountered another problem with your debit card.
Please contact me if I can help in any way.
Thank you for taking the time to express your concerns.
Warm regards,
[redacted] A. [redacted]
Voice of the Member
Patelco Credit Union
XXX-XXX-XXXX

Patelco will not answer the phone. Don't bother to call because they do not answer. I have ordered a new debit card almost a month ago and they still have not sent it to me. I call and call but they don't answer the phone. Terrible customer service!

Initial Business Response /* (1000, 5, 2014/10/14) */
October 14, 2014
Mr. [redacted] J. [redacted]
[redacted] Street
[redacted] CA XXXXX
Dear Mr. [redacted],
I reviewed your account statements from January 2014 through September 2014 to see where those ATM fees came from that you refer to...

in your letter. You were charged 7 times at ATMs not affiliated with Patelco or the credit unions in the CU network. The charges came from the Graton casino, [redacted], House of Cigar, The Green,Wells Fargo Bank,Pai Iso,US Bank,etc.
Total fees from these ATM withdrawals are $12.25.
I've had these fees reversed for you as a courtesy. Going forward, please use the ATMs listed in the Patelco.org website.
Sincerely,
[redacted] A. [redacted]
Voice of the Member
Patelco Credit Union

Initial Business Response /* (1000, 5, 2014/08/12) */
August 12, 2014
Ms. [redacted] Place, [redacted] XXXXX
Dear Ms. [redacted],
We did a review of what we reported to all credit reporting agencies and as recent as August 1, 2014, there was no...

report at our end regarding your delinquency. The statute of limitations is unrelated to collections; however, based on our records, we are no longer reporting your delinquency.
Please contact the credit bureaus directly to have this particular delinquency dropped. Thank you for sharing your concerns with us.
Sincerely,
[redacted] A. [redacted]
Voice of the Member
Patelco Credit Union
Initial Consumer Rebuttal /* (3000, 7, 2014/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Ms. [redacted] is incorrect in stating that the statute of limitations aren't applicable to this matter, as Patelco is the original creditor and NOT a collection agency so they must adhere to the law. Her statement pretty much implies that Patelco is above the law. They have added this account to my credit reports so it is Patelco's responsibility to have this item deleted from all of my reports. If no action is taken to remove this outdated account I will continue to pursue the legalities of the situation. You have 30 days from today to comply.

Initial Business Response /* (1000, 5, 2015/09/10) */
September 10, 2015
Dear Mr. [redacted],
Thank you for the opportunity to discuss this matter with you. First, we have records of your communication with the Loan Officer you worked with and so it is puzzling why you think he is...

unresponsive. Secondly, we work with licensed appraisers in California and rely on their findings. We have credited the card you used to pay for the appraisal today for $475.00 and not the $450 as mentioned in your complaint.
To our knowledge, you are not a Patelco member and based on the information we obtained, you live, work and worship in the areas we do not serve and therefore, you are not eligible for Patelco membership. Also, the following are the reasons why your loan was declined:
* Custom built log homethe appraiser had difficulty finding comps and the comps used are 15-20 miles away and differ in style and construction.
* The distance between the subject and the comparable properties far exceeds that would be considered acceptable.
* Subject square footage of 5000 is well above the median square footage for the area which range from XXXX-XXXX.
* It is on a private road maintenance that is on an "as needed" basis by residents of the road.
Thank you once again for sharing your comments with us through the Revdex.com.
Sincerely,
[redacted] A. [redacted]
Voice of the Member
Patelco Credit Union
Initial Consumer Rebuttal /* (2000, 7, 2015/09/24) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I accept Patelco's response in that they have returned my appraisal fee. However, I do believe that it would be in everyone's best interest for Patelco to discontinue their practice of accepting mortgage applications, pre-qualifing and ordering appraisals for those they deem not in their service area, after all they new my address from day one and it did not hinder their decision to move forward in the process.
Additionally, they stated "we work with licensed appraisers in California and rely on their findings", which obviously isn't the case since almost all of their reasons for denying this loan were appraisal based.

Initial Business Response /* (4000, 11, 2014/06/06) */
June 6, 2014
Dear Ms. [redacted],
This matter was escalated to me and this is to let you know that we have credited your checking account on June 4th for $190.20 (disputed King Tint charge) and $28.00 (resulting overdraft...

fee).
Thank you for expressing your concerns and please contact me if I can help you further.
Warm regards,
[redacted]
Voice of the Member
Patelco Credit Union
Initial Consumer Rebuttal /* (2000, 13, 2014/06/09) */
(The consumer indicated he/she ACCEPTED the response from the business.)
I got what I asked for which is my money back.

Initial Business Response /* (1000, 9, 2014/07/03) */
July 3, 2014
Information for Mr. [redacted] and the Revdex.com:
The Credit Union is reporting the account as a Bankruptcy Chapter 7 accurately and as it should be. Bankruptcies are reported for 7 years starting on...

the date of first delinquency and on this particular case, was in November 2007. The BK reporting for Mr. [redacted] has not gone past the 7 year period. We recommend that Mr. [redacted] work with the credit reporting agencies regarding the content of his credit reports once the 7 year period has passed. This point is mentioned in the FCRA facts and can be reviewed at www.experian.com/consumer/help/report/fcra.html
Thank you,
[redacted]
Voice of the Member
Patelco Credit Union
Initial Consumer Rebuttal /* (3000, 11, 2014/07/06) */
(The consumer indicated he/she DID NOT accept the response from the business.)
.Patelco has failed to address the late payments reporting
on myfico experian credit reports.I filed bankruptcy that was
discharged 8/2011 and these lates are reporting illegally as
per federal law (FCRA).I want this tradeline removed .
Patelco is responding in bad faith.
I find the response to be in bad faith.
They have failed to address the late payments they are
reporting to Myfico Experian.In light of my bankruptcy
and discharge date which are 5/2008 and8/2011 the
lates reporting are illegal under the (FCRA)
Final Business Response /* (4000, 14, 2014/07/17) */
July 17, 2014
Mr. [redacted] Street
[redacted], ** XXXXX
Mr. [redacted]:
In the future, may I recommend that you voice out your concerns by writing directly to the credit union for confidential reasons and to protect your privacy as well.
Our Loss Recovery Team performed extensive research in response to your claim. What has been made clearer is that you started out in Chapter 7 in [redacted] 2008 and you switched to Chapter 13 in July 2008 and then back to Chapter 7 in 2011.
We stand by our original statement about our reporting of your Bankruptcy; however, we have since decided to drop the tradeline effective July 15, 2014 even though this tradeline is not due to be dropped until November 2014. The tradeline will be shown as dropped 72 hours from July 15th.
If you have additional concerns, please write to Patelco Credit Union, attention: Loss Recovery-Collections, PO Box 8020, Pleasanton, CA XXXXX.
Sincerely,
[redacted] A. [redacted]
Voice of the Member
Patelco Credit Union
Final Consumer Response /* (2000, 16, 2014/07/18) */
(The consumer indicated he/she ACCEPTED the response from the business.)

[redacted] [redacted]
Dear [redacted],
Our records show that you tried to activate your new [redacted] cards on [redacted] but for some reason, you encountered some...

technical issues and you were only able to activate your health [redacted] account debit card out of a total of 6 cards.
You have 60 days to activate the rest of the cards you recently received using the card activation system at ###-###-####.
Some helpful tips in preparation to activate these cards:
* If you plan to activate your wife's card yourself, you'll need her  full Social Security Number and her date of birth. Do not use the pound sign (#) when you're entering these numbers.
* You can activate one card for each call. If you have 3 cards to activate, you'll need to call in 3 times. As a recommendation, you may ask your wife to activate the cards in her name to minimize your time on the phone.
* Your wife's HSA debit card ending in [redacted] is not activated. Likewise, her new [redacted] credit card ending in [redacted].
* You'll need to activate your ** credit card ending in [redacted].
* You'll soon be receiving your new ** debit cards; these are the cards linked to your [redacted] and [redacted].
Once you activate your new cards, our system will deactivate the old cards within 24 hours.
For card activation, please call the specific number at ###-###-####.
Unfortunately, wait times at the Call Center's 800 number are longer than usual  as a result of our conversion to [redacted]. Please accept our sincerest apologies for the inconvenience and frustration we caused you.
Thank you for sharing your member experience with us.
Sincerely,
[redacted]
Voice of the Member
Patelco Credit Union
 
*

Initial Business Response /* (1000, 5, 2015/11/20) */
November 20,2015
Dear Ms. [redacted],
Thank you for bringing this to our attention.
Some background information [redacted] help here and they are as follows:
* Patelco submitted an electronic update to the credit bureaus on September 9, 2015...

to report your bankruptcy as BK 7 Discharged.
* Transunion and Equifax records show the appropriate status.
* Experian; however, does not and that's because they require that the financial institution send a copy of the bankruptcy filing.
* On November 20, 2015, we faxed a copy of the BK filing as proof of your status so that their records reflect that your BK was discharged.
It is our hope that this recent transmission of information to Experian will prompt them to update their records accordingly.
Thank you and sincerely,
[redacted] A. [redacted]
Patelco Credit Union