Hello,Please see attached response. The referenced enclosures were mailed directly to *** ***. Thank you! Dear Ms***:San Diego County Credit Union (SDCCU) is in receipt of a complaint filed with the Revdex.com as referenced above.Our records do not show a previous
request for a copy of your loan agreement or payment history, however, enclosed is the requested informationThe enclosures include a copy of yourloan application, loan agreement(s) and statements reflecting your payment history.If you have additional questions regarding this item, please contact me directly at ***, ext***.We thank you for your business and look forward to continuing to serve your financial needs.Sincerely*** ***Assistant ManagerSan Diego County Credit Union
Dear *** R ***,This letter is written in response to the Revdex.com complaint received by San Diego County Credit Union (SDCCU) regarding *** R ***SDCCU received a new account application and multiple loan applications from an individual identified as *** Ray
***Subsequent to these applications, we received notifications from both ChexSystems and Experian (with supporting police reports) disputing the inquiries due to claims of identity theftAs a result of such claims, all services were suspended.Should you have further questions regarding this matter, please feel free to contact me at (877) 732-Ext***Sincerely,*** *** Vice President, Fraud Investigations
Revdex.com:
I have reviewed the 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
Once again as before, the credit union say they have responded with an attachmentAgain, there is no attachment and again no response As everyone is aware, this is a time sensitive issue and these delays only show how the process is abused in an effort to avoid or delay addressing these issues
Regards,
*** ***
Revdex.com:
I have reviewed the 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
The response is not satisfactory because it does not address the primary reason for filing this complaint San Diego County credit union completely emptied my checking and savings accounts without so much as a phone call In addition to this they allowed me to schedule a payment on the very day that they emptied my account therefore I was not only at a zero balance but - Then to exacerbate the situation they charged me to give away all my money without my knowledge I am not opposed to paying what I owe but I am opposed to having an institution in which I have placed my trust and my hard-earned money simply decide that they're going to empty my accounts without even letting me know what's going on It is hard for me to believe that this type of activity is acceptable to anyone in America and if San Diego County credit union is comfortable with this type of behavior then I do not want to be associated with them anymore When our financial institutions no longer protect our money they have lost their worth If they have become afraid to question the policies and procedures that are currently in place then what good are they? They are nothing more than a financial fair weather friend who treats you nice as long as you never have any problems with anyone, but if there ever is a problem you're on your own, or worse yet they join the opposition in order to do further damage
Regards,
*** ***
Dear Mr***,This letter is written in response to your correspondence referenced aboveAt San Diego County Credit Union (SDCCU), we take pride in providing outstanding service to our membersAs discussed by phone with a Call Center Supervisor on September 27, 2017, *** *** Plus is a
selfmanaged serviceOnce payments are set-up, our *** *** Plus terms and conditions state the following:PAYMENT METHODS The Service reserves the right to select the method in which to remit funds on your behalf to your BillerThese payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment(Funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to SDCCU for payment).For your scheduled payments to Auto Title Loans San Diego, LLC (referred to as "the biller"), The Service selected the method of submitting these payments as laser draft payments and mailing them out to the address supplied by you at son August 7, During the initial conversation with a Technical Support Specialist on September 12, 2017, a case was opened with The Service and they attempted to contact the biller the same day because you indicated that due to payments not being received, your vehicle was repossessedThe biller was unable to speak with The Service until they received a third party authorization from you to speak with them on your behalf and follow up was made by our Technical Support Specialist to obtain thisAuthorization was provided on September 13, and contact was made by The Service to the biller the same dayThe Service's case after speaking directly with *** at *** *** ***s San Diego LLC yielded the following results:e The biller advised that they attempted to initiate contact with you weeks prior to repossession toadvise that payments had not been receivedThe biller was unable to provide The Service with the due date for this paymentThe biller advised that no late fees or finance charges were assessed to the account.As previously discussed, we are unable to waive any fees accrued, as these payments were mailed out as requestedAny further inquiries regarding fees must be directed to *** *** ***s San Diego LLC
Re: Revdex.com Complaint #***Dear Mr***:San Diego County Credit Union (SDCCU) is in receipt of the above referenced complaintThank you for bringingthis matter to our attention and allowing SDCCU the opportunity to address your concernsWe appreciate youtaking time to speak
with our Vice President of Real Estate ServicingThis letter is written to confirm that thematters addressed in your complaint have been resolved and our records have been updated to reflect suchWeapologize for any inconvenience this may have caused and appreciate the opportunity to bring this matter toresolution.Should you have any additional questions or concerns, I can be reached at ***
Revdex.com:
I have reviewed the 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
I do not accept there responseAnd I will be filing a lawsuit against the institution
Regards,
*** ***
*** ***
10th Street
Imperial Beach, CA
Re: Revdex.com (Revdex.com) ID ***
Dear Ms***:
San Diego County Credit Union is in receipt of the above referenced complaint to the
Revdex.com (Revdex.com) regarding the check deposit from the Social
Security
Administration payable to *** ***Thank you for taking my call and discussing
your concerns with meWe are truly sorry the service you received did not meet your
expectations
We take pride in the level of service we provide to our members and appreciate you
bringing this to our attentionThank you for allowing San Diego County Credit the
opportunity to respond to your requestShould you have any further questions
regarding this matter, please feel free to call me directly at ###-###-####
Sincerely,
Dear Mr***,We are in receipt of your complaint filed with the Revdex.comI haveattempted to reach you by phone to discuss this matter with you but have not yet receiveda return call.Our records indicate that you had two accounts with San Diego County Credit Union(SDCCU)Your
personal account was slated for closure on September 8, 2015; however,your joint account was allowed to remain openOn August 25, 2015, you personallyclosed your personal accountThe joint account was closed on September 17, bythe joint account holder, *** ***.Our records indicate that you opted in for our Debit Card Overdraft Service authorizing thecredit union to pay overdrafts on ATM, PIN and signature-based card transactionsAs amember accommodation, we have reversed seventeen (17) overdraft fees between yourtwo accounts since In total, we have reversed $in fees resulting fromoverdrafts incurred on your accountsTherefore, no further fee reversals will be granted.Thank you for bringing this matter to our attentionShould you have any further questions,please feel free to contact me at (877) 732-extension ***.***
*** ***Senior Vice President
Revdex.com:
I have reviewed the 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
There was no attachment to read or review
Regards,
*** ***
This does not resolve the issues First, the checks were not stale, that is theif first lie, second, I called the credit union to stop payment on several outstanding checks that were not state The call was recorded, that is another lie from the credit union These are issues relating to money and a company that will not be honest Why does the Revdex.com give them an A+ rating rather than an F to protect those that rely on the Revdex.com?
[redacted]Re: Revdex.com ComplaintDear Ms. [redacted], Thank you for speaking with me regarding your complaint filed with the BetterBusiness Bureau. As we discussed, San Diego County Credit Union has no recordof receiving a deposit from the...
California State Franchise Tax Board into youraccount between April 2016 and December 2016.Please contact me if you have any questions at [redacted]
[redacted] Parkway Apt 110 San Diego, CA 92108Re: Revdex.com Complaint ID 1 [redacted] ResponseDear [redacted],This letter is written in response to the correspondence received from the Revdex.com referenced above. We appreciate you bringing this matter to our...
attention and providing us the opportunity to address your concern.I have spoken to you on numerous occasions regarding your account status including on February 3" and 4. also tried to call you on February 6" and left a message to make arrangements to have you come in to close your account. We finally made contact again on February 10" and you stated you would call me again on February 11th but no return cal was received.Please know that your account was closed by SDCCU on February 14, 2017 and a cashier's check for the balance of the account has been mailed to the address of record. If I can be of further assistance to you, please feel free to contact me at [redacted]Sincerely,[redacted] Vice President
March 6, 2017
[redacted]
Re: Revdex.com Complaint
Dear Ms. [redacted], Thank you for speaking with me regarding your complaint filed with the RevDex.com. As we discussed, San Diego County Credit Union has no record
of receiving a deposit from the California State Franchise Tax Board into your
account between April 2016 and December 2016.
[redacted] Sincerely,
[redacted]
Senior Vice President
Hi,
Please see the attached response letter for complaint #[redacted].
Thank you,
[redacted]
San Diego County Credit UnionDear Mr. [redacted],This letter is written in response to the Revdex.com complaint received by San Diego County Credit Union (SDCCU) referenced above. Our records...
indicate that several $1 checks deposited to your account were returned to you because the checks were stale dated. The checks returned to you were drawn on your account at SDCCU utilizing the credit union's bill pay service. As such, the funds have yet to be withdrawn from your account, therefore, no stop payments are needed or are recommended.To date, the credit union has no record of stop payments placed these checks and therefore we do not understand your claim of “incurred fees and charges for stop payment fees..." Again, these $1 checks were written against your account, you were the payee listed on the checks, and the funds would only be deducted from your account if they had been cashed by you.If you have further concerns, we recommend that you address it in writing to San Diego County Credit Union, [redacted].Sincerely,[redacted] Chief Operating Office
Dear Mr. [redacted],San Diego County Credit Union (SDCCU) is in receipt of the above referenced complaint fited with the Revdex.com. Thank you for allowing me the opportunity to address your concerns and bring this matter to resolution during our recent phone conversation.We appreciate your...
many years of membership and look forward to assisting you with all your financial needs. Should you have any further questions, please feel free to contact me at (877) 732-2848 extension [redacted].Sincerely,[redacted]Senior Vice President
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. The business has taken action and I consider this complaint resolved.
Regards,
[redacted]
Hello,[redacted]
[redacted]
Re: Revdex.com Correspondence #[redacted]
Dear Mr. [redacted] Thank you for allowing us the opportunity to respond to the above-referenced correspondence received
February 13, 2017 concerning an auto loan with San Diego...
County Credit Union. After reviewing your
letter and account, we have adjusted your due date to March 24, 2017 to correspond to the payments
received.
We thank you for your business and look forward to continuing to serve your financial needs. If you have
additional questions regarding this matter, please contact me directly at [redacted], ext. [redacted]. Sincerely,[redacted]Executive Assistant Phone [redacted]. | [redacted] Visit us at www.sdccu.com | [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
there is no attached response. Second time, no response.
Regards,
[redacted]
Dear Ms. [redacted]:
Thank you for taking my call on May 27, 2015. It was a pleasure speaking with you regarding your experience with the credit union’s process on updating your last name on your loan documents and within your account. Thank you for bringing this to our attention so...
we can resolve your concerns.
As we discussed by phone, I have confirmed that all documentation within the account has been updated as requested. Additionally, your loan documentation, title and registration all matches the vesting on the account.
We thank you for your business and look forward to continuing to serve your financial needs. If you have any additional questions, or if I can be of further assistance, please feel free to contact me at (877) 732-2848 x [redacted].
Sincerely, [redacted] Vice President, Call Center
Hello,Please see attached response. The referenced enclosures were mailed directly to *** ***. Thank you! Dear Ms***:San Diego County Credit Union (SDCCU) is in receipt of a complaint filed with the Revdex.com as referenced above.Our records do not show a previous
request for a copy of your loan agreement or payment history, however, enclosed is the requested informationThe enclosures include a copy of yourloan application, loan agreement(s) and statements reflecting your payment history.If you have additional questions regarding this item, please contact me directly at ***, ext***.We thank you for your business and look forward to continuing to serve your financial needs.Sincerely*** ***Assistant ManagerSan Diego County Credit Union
Dear *** R ***,This letter is written in response to the Revdex.com complaint received by San Diego County Credit Union (SDCCU) regarding *** R ***SDCCU received a new account application and multiple loan applications from an individual identified as *** Ray
***Subsequent to these applications, we received notifications from both ChexSystems and Experian (with supporting police reports) disputing the inquiries due to claims of identity theftAs a result of such claims, all services were suspended.Should you have further questions regarding this matter, please feel free to contact me at (877) 732-Ext***Sincerely,*** *** Vice President, Fraud Investigations
Revdex.com:
I have reviewed the 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
Once again as before, the credit union say they have responded with an attachmentAgain, there is no attachment and again no response As everyone is aware, this is a time sensitive issue and these delays only show how the process is abused in an effort to avoid or delay addressing these issues
Regards,
*** ***
Revdex.com:
I have reviewed the 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
The response is not satisfactory because it does not address the primary reason for filing this complaint San Diego County credit union completely emptied my checking and savings accounts without so much as a phone call In addition to this they allowed me to schedule a payment on the very day that they emptied my account therefore I was not only at a zero balance but - Then to exacerbate the situation they charged me to give away all my money without my knowledge I am not opposed to paying what I owe but I am opposed to having an institution in which I have placed my trust and my hard-earned money simply decide that they're going to empty my accounts without even letting me know what's going on It is hard for me to believe that this type of activity is acceptable to anyone in America and if San Diego County credit union is comfortable with this type of behavior then I do not want to be associated with them anymore When our financial institutions no longer protect our money they have lost their worth If they have become afraid to question the policies and procedures that are currently in place then what good are they? They are nothing more than a financial fair weather friend who treats you nice as long as you never have any problems with anyone, but if there ever is a problem you're on your own, or worse yet they join the opposition in order to do further damage
Regards,
*** ***
Dear Mr***,This letter is written in response to your correspondence referenced aboveAt San Diego County Credit Union (SDCCU), we take pride in providing outstanding service to our membersAs discussed by phone with a Call Center Supervisor on September 27, 2017, *** *** Plus is a
selfmanaged serviceOnce payments are set-up, our *** *** Plus terms and conditions state the following:PAYMENT METHODS The Service reserves the right to select the method in which to remit funds on your behalf to your BillerThese payment methods may include, but may not be limited to, an electronic payment, an electronic to check payment, or a laser draft payment(Funds remitted to the Biller are deducted from your Payment Account when the laser draft is presented to SDCCU for payment).For your scheduled payments to Auto Title Loans San Diego, LLC (referred to as "the biller"), The Service selected the method of submitting these payments as laser draft payments and mailing them out to the address supplied by you at son August 7, During the initial conversation with a Technical Support Specialist on September 12, 2017, a case was opened with The Service and they attempted to contact the biller the same day because you indicated that due to payments not being received, your vehicle was repossessedThe biller was unable to speak with The Service until they received a third party authorization from you to speak with them on your behalf and follow up was made by our Technical Support Specialist to obtain thisAuthorization was provided on September 13, and contact was made by The Service to the biller the same dayThe Service's case after speaking directly with *** at *** *** ***s San Diego LLC yielded the following results:e The biller advised that they attempted to initiate contact with you weeks prior to repossession toadvise that payments had not been receivedThe biller was unable to provide The Service with the due date for this paymentThe biller advised that no late fees or finance charges were assessed to the account.As previously discussed, we are unable to waive any fees accrued, as these payments were mailed out as requestedAny further inquiries regarding fees must be directed to *** *** ***s San Diego LLC
Re: Revdex.com Complaint #***Dear Mr***:San Diego County Credit Union (SDCCU) is in receipt of the above referenced complaintThank you for bringingthis matter to our attention and allowing SDCCU the opportunity to address your concernsWe appreciate youtaking time to speak
with our Vice President of Real Estate ServicingThis letter is written to confirm that thematters addressed in your complaint have been resolved and our records have been updated to reflect suchWeapologize for any inconvenience this may have caused and appreciate the opportunity to bring this matter toresolution.Should you have any additional questions or concerns, I can be reached at ***
Revdex.com:
I have reviewed the 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
I do not accept there responseAnd I will be filing a lawsuit against the institution
Regards,
*** ***
*** ***
10th Street
Imperial Beach, CA
Re: Revdex.com (Revdex.com) ID ***
Dear Ms***:
San Diego County Credit Union is in receipt of the above referenced complaint to the
Revdex.com (Revdex.com) regarding the check deposit from the Social
Security
Administration payable to *** ***Thank you for taking my call and discussing
your concerns with meWe are truly sorry the service you received did not meet your
expectations
We take pride in the level of service we provide to our members and appreciate you
bringing this to our attentionThank you for allowing San Diego County Credit the
opportunity to respond to your requestShould you have any further questions
regarding this matter, please feel free to call me directly at ###-###-####
Sincerely,
Dear Mr***,We are in receipt of your complaint filed with the Revdex.comI haveattempted to reach you by phone to discuss this matter with you but have not yet receiveda return call.Our records indicate that you had two accounts with San Diego County Credit Union(SDCCU)Your
personal account was slated for closure on September 8, 2015; however,your joint account was allowed to remain openOn August 25, 2015, you personallyclosed your personal accountThe joint account was closed on September 17, bythe joint account holder, *** ***.Our records indicate that you opted in for our Debit Card Overdraft Service authorizing thecredit union to pay overdrafts on ATM, PIN and signature-based card transactionsAs amember accommodation, we have reversed seventeen (17) overdraft fees between yourtwo accounts since In total, we have reversed $in fees resulting fromoverdrafts incurred on your accountsTherefore, no further fee reversals will be granted.Thank you for bringing this matter to our attentionShould you have any further questions,please feel free to contact me at (877) 732-extension ***.***
*** ***Senior Vice President
Revdex.com:
I have reviewed the 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
There was no attachment to read or review
Regards,
*** ***
This does not resolve the issues First, the checks were not stale, that is theif first lie, second, I called the credit union to stop payment on several outstanding checks that were not state The call was recorded, that is another lie from the credit union These are issues relating to money and a company that will not be honest Why does the Revdex.com give them an A+ rating rather than an F to protect those that rely on the Revdex.com?
[redacted]Re: Revdex.com ComplaintDear Ms. [redacted], Thank you for speaking with me regarding your complaint filed with the BetterBusiness Bureau. As we discussed, San Diego County Credit Union has no recordof receiving a deposit from the...
California State Franchise Tax Board into youraccount between April 2016 and December 2016.Please contact me if you have any questions at [redacted]
[redacted] Parkway Apt 110 San Diego, CA 92108Re: Revdex.com Complaint ID 1 [redacted] ResponseDear [redacted],This letter is written in response to the correspondence received from the Revdex.com referenced above. We appreciate you bringing this matter to our...
attention and providing us the opportunity to address your concern.I have spoken to you on numerous occasions regarding your account status including on February 3" and 4. also tried to call you on February 6" and left a message to make arrangements to have you come in to close your account. We finally made contact again on February 10" and you stated you would call me again on February 11th but no return cal was received.Please know that your account was closed by SDCCU on February 14, 2017 and a cashier's check for the balance of the account has been mailed to the address of record. If I can be of further assistance to you, please feel free to contact me at [redacted]Sincerely,[redacted] Vice President
March 6, 2017
[redacted]
Re: Revdex.com Complaint
Dear Ms. [redacted], Thank you for speaking with me regarding your complaint filed with the RevDex.com. As we discussed, San Diego County Credit Union has no record
of receiving a deposit from the California State Franchise Tax Board into your
account between April 2016 and December 2016.
[redacted] Sincerely,
[redacted]
Senior Vice President
Hi,
Please see the attached response letter for complaint #[redacted].
Thank you,
[redacted]
San Diego County Credit UnionDear Mr. [redacted],This letter is written in response to the Revdex.com complaint received by San Diego County Credit Union (SDCCU) referenced above. Our records...
indicate that several $1 checks deposited to your account were returned to you because the checks were stale dated. The checks returned to you were drawn on your account at SDCCU utilizing the credit union's bill pay service. As such, the funds have yet to be withdrawn from your account, therefore, no stop payments are needed or are recommended.To date, the credit union has no record of stop payments placed these checks and therefore we do not understand your claim of “incurred fees and charges for stop payment fees..." Again, these $1 checks were written against your account, you were the payee listed on the checks, and the funds would only be deducted from your account if they had been cashed by you.If you have further concerns, we recommend that you address it in writing to San Diego County Credit Union, [redacted].Sincerely,[redacted] Chief Operating Office
Dear Mr. [redacted],San Diego County Credit Union (SDCCU) is in receipt of the above referenced complaint fited with the Revdex.com. Thank you for allowing me the opportunity to address your concerns and bring this matter to resolution during our recent phone conversation.We appreciate your...
many years of membership and look forward to assisting you with all your financial needs. Should you have any further questions, please feel free to contact me at (877) 732-2848 extension [redacted].Sincerely,[redacted]Senior Vice President
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. The business has taken action and I consider this complaint resolved.
Regards,
[redacted]
Hello,[redacted]
[redacted]
Re: Revdex.com Correspondence #[redacted]
Dear Mr. [redacted] Thank you for allowing us the opportunity to respond to the above-referenced correspondence received
February 13, 2017 concerning an auto loan with San Diego...
County Credit Union. After reviewing your
letter and account, we have adjusted your due date to March 24, 2017 to correspond to the payments
received.
We thank you for your business and look forward to continuing to serve your financial needs. If you have
additional questions regarding this matter, please contact me directly at [redacted], ext. [redacted]. Sincerely,[redacted]Executive Assistant Phone [redacted]. | [redacted] Visit us at www.sdccu.com | [redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
there is no attached response. Second time, no response.
Regards,
[redacted]
Dear Ms. [redacted]:
Thank you for taking my call on May 27, 2015. It was a pleasure speaking with you regarding your experience with the credit union’s process on updating your last name on your loan documents and within your account. Thank you for bringing this to our attention so...
we can resolve your concerns.
As we discussed by phone, I have confirmed that all documentation within the account has been updated as requested. Additionally, your loan documentation, title and registration all matches the vesting on the account.
We thank you for your business and look forward to continuing to serve your financial needs. If you have any additional questions, or if I can be of further assistance, please feel free to contact me at (877) 732-2848 x [redacted].
Sincerely, [redacted] Vice President, Call Center