America's Credit Union, A Federal Credit Union

[redacted] Please See Attached Documents [redacted] Complaint DepartmentRevdex.comPO Box 1000DuPont, WA 98327Re: ID # [redacted] To Whom It May Concern: [redacted] This is in response to the complaint received in our office on January 25, 2016.We would like to recap the history of the account and loan obligations of [redacted] which will hopefully provide clarification for [redacted] .Mrand Mrs [redacted] purchased vehicles in May and August respectfully.Both [redacted] and her husband [redacted] held the automobiles jointly both on title andcontractualAt some point in they experienced disputes over the financialobligations of the collateral [redacted] possessed the Chrysler and [redacted] possessed the Chrysler Both loans are cross collateralized in the contract underthe default provision which was executed at the time of purchaseDue to delinquentlythis puts both autos at riskOn March 10th, the Chrysler [redacted] wasdriving was repossessedIn April of ACU has possession of both vehicles whichwere soldIn August of 2014, with both loans having small deficiency balances we madepayment arrangement with Mr [redacted] to repay the remaining balancesAfter only a fewpayments the arrangements failed and in January of both loans were charged offItis standard practice, when no arrangements or payments are received, the account will besent to a collection agency to continue recovery effortsIn July of we receiveddisputes from the credit reporting agency regarding her legal obligationWe provided toher the copies of the loan contracts, applications and letter explaining her contractualobligations and why as a Federal Credit Union we are required to comply with the FairCredit Reporting Act.Ms [redacted] 's request that we remove the status of each loan from her credit does not fallwithin the FCRA due to the fact, she is contractually liable and the credit union actedwithin the terms of her contracts.We will gladly report her loans as paid in full on her credit once, the outstandingobligations are paid in fullCurrently this totals $

[redacted] Please See Attached Documents [redacted] Re: ID # [redacted] To Whom It May Concern:This is in response to the unresolved compliant by [redacted] We originally sent ourinformation to you on January 28thOn February 11th, ACU received a rebuttal from [redacted] rejecting the response stating she was not contacted during any paymentarrangements and not all the facts are correct and mentioned in this replay.Mr [redacted] was the person making the payments on both loansAfter both vehicleswere sold, [redacted] stopped responding to ACUACU operated by the letter of the law ina community property state as well as the terms of the contract signed and entered into byboth Mrand Mrs [redacted] Mrs [redacted] was aware of the past due payments and hadevery opportunity to make arrangements for paymentsShe was aware ACU held the loanto her auto.Here are the communication details on the [redacted] account beginning in April 2017.04/17/2014- repo deficiency balance letters mailed for both vehicles04/17/2014- phone call macle to both prime and joint04/29/2014- received returned mail06/10/2014- phone to prime, emailed joint (this is how she was responding prior to vehicle beingsold)06/11/2014- emailed prime member and received a response06/30/-loans outsourced to LCA all contact numbers provided including emails07/24/2014- prime had Direct Deposit come to credit union and they offset to loans, prime calledinto ACU.08/04/2014- prime called made arrangements on deficiency balances both loar1s withmodification.08/05/2014- ACU returned call to prime payments made on both loans10/09/2014- email sent regarding past due payments10/15/2014- called prime arrangements made to get current11/03/2014- called primeemail joint11/05/2014- called joint11/07/-called prime11/12/-called prime11/24/called prime11/26/2014- called prime, emailed joint11/28/2014- called prime, emailed joint11/29/-called prime 12119/2014- received Equifax dispute from joint 12122/2014- called prime12123/2014- called prime, called joint12/30/2014- emaHed joint0112312015- both loans charged off03/05/2015- received Experian dispute from joint both loans03/0612015- received Equifax dispute from joint both loans03/26/2015- received Equifax dispute from joint both loans06/2312015- received Equifax, Experian, Trans Union, dispute from joint both loans0710812015- received letter from joint0711712015- received credit dispute letter from joint-letter to jointThese facts are true and accurateAt this point, it does not change the outcome leaving [redacted] the option to pay the outstanding obligations.Respectfully yours, Diane B [redacted] Executive Vice President

*** Please See Attached Documents ***
Complaint DepartmentRevdex.comPO Box 1000DuPont, WA 98327Re: ID #*** *** ***To Whom It May Concern:***This is in response to the complaint received in our office on January 25, 2016.We would like to recap the history of the
account and loan obligations of *** ***which will hopefully provide clarification for ***.Mrand Mrs*** purchased vehicles in May and August respectfully.Both *** and her husband *** held the automobiles jointly both on title andcontractualAt some point in they experienced disputes over the financialobligations of the collateral*** possessed the Chrysler and ***possessed the Chrysler Both loans are cross collateralized in the contract underthe default provision which was executed at the time of purchaseDue to delinquentlythis puts both autos at riskOn March 10th, the Chrysler *** wasdriving was repossessedIn April of ACU has possession of both vehicles whichwere soldIn August of 2014, with both loans having small deficiency balances we madepayment arrangement with Mr*** to repay the remaining balancesAfter only a fewpayments the arrangements failed and in January of both loans were charged offItis standard practice, when no arrangements or payments are received, the account will besent to a collection agency to continue recovery effortsIn July of we receiveddisputes from the credit reporting agency regarding her legal obligationWe provided toher the copies of the loan contracts, applications and letter explaining her contractualobligations and why as a Federal Credit Union we are required to comply with the FairCredit Reporting Act.Ms***'s request that we remove the status of each loan from her credit does not fallwithin the FCRA due to the fact, she is contractually liable and the credit union actedwithin the terms of her contracts.We will gladly report her loans as paid in full on her credit once, the outstandingobligations are paid in fullCurrently this totals $

This is in response to the complaint by *** *** concerning credit reporting impacting her credit score. Ms***’s loan is currently delinquent with the last member initiated payment occurring August 2016. Her credit history is being reporting
accurately. There were numerous attempts to contact her via telephone and email with no responses. The August payments brought the loans current after two separate written repossession notifications. In October, we received an impound notice from Boyd’s Towing the vehicle was released for insurance after being involved in an accidentThere was no communication from Ms*** of the collateral involved in an accident or damaged until after several more attempts to contact her on the situation. Communications to Ms*** are detailed in the letter attached In December 2016, we received an insurance payoff from USAA and it was applied to the loan balance. Ms*** did obtain GAP Insurance from the auto dealership and that claim has not been received to date. During this process, she is still contractually obligated to make payments until it is settled. The application of the insurance claim does not advance the due date; it only reduces the balance owed. Ms*** is fully aware she needs to continue to make payments until the insurance claims are settled. We have not received the GAP claim and are unaware of the amount of the claim. If the amount is greater then the balance owed, funds will be refunded. If the insurance claim does not cover the balance owed, she will still be contractually obligated to pay the remaining balance. At that time, she will have opportunity to review payment options. However at this point, the pending insurance claim does not change Ms***’s outstanding payment obligations

*** Please See Attached Documents ***
Re: ID # *** *** ***To Whom It May Concern:This is in response to the unresolved compliant by *** ***We originally sent ourinformation to you on January 28thOn February 11th, ACU received a rebuttal from*** *** rejecting the response stating she was not contacted during any paymentarrangements and not all the facts are correct and mentioned in this replay.Mr*** was the person making the payments on both loansAfter both vehicleswere sold, *** stopped responding to ACUACU operated by the letter of the law ina community property state as well as the terms of the contract signed and entered into byboth Mrand Mrs***Mrs*** was aware of the past due payments and hadevery opportunity to make arrangements for paymentsShe was aware ACU held the loanto her auto.Here are the communication details on the *** account beginning in April 2017.04/17/2014- repo deficiency balance letters mailed for both vehicles04/17/2014- phone call macle to both prime and joint04/29/2014- received returned mail06/10/2014- phone to prime, emailed joint (this is how she was responding prior to vehicle beingsold)06/11/2014- emailed prime member and received a response06/30/-loans outsourced to LCA all contact numbers provided including emails07/24/2014- prime had Direct Deposit come to credit union and they offset to loans, prime calledinto ACU.08/04/2014- prime called made arrangements on deficiency balances both loar1s withmodification.08/05/2014- ACU returned call to prime payments made on both loans10/09/2014- email sent regarding past due payments10/15/2014- called prime arrangements made to get current11/03/2014- called primeemail joint11/05/2014- called joint11/07/-called prime11/12/-called prime11/24/called prime11/26/2014- called prime, emailed joint11/28/2014- called prime, emailed joint11/29/-called prime
12119/2014- received Equifax dispute from joint
12122/2014- called prime12123/2014- called prime, called joint12/30/2014- emaHed joint0112312015- both loans charged off03/05/2015- received Experian dispute from joint both loans03/0612015- received Equifax dispute from joint both loans03/26/2015- received Equifax dispute from joint both loans06/2312015- received Equifax, Experian, Trans Union, dispute from joint both loans0710812015- received letter from joint0711712015- received credit dispute letter from joint-letter to jointThese facts are true and accurateAt this point, it does not change the outcome leaving *** the option to pay the outstanding obligations.Respectfully yours,
Diane B***
Executive Vice President

Complaint: ***I am rejecting this response because: I wasn't contacted during any payments arrangements and not all the facts are correct and mentioned in this reply. Sincerely,*** ***

Re: *** *** File# *** Mr*** financed a Jeep with America's Credit Union on May 25, Mr*** signed a finance agreement and an agreement to carry full coverage insurance on the vehicle at all timesMr*** listed *** as his insurance carrier on the signed agreement to
carry full coverage insurance*** was contacted several times by America's Credit Union and our insurance tracking company, *** advised the vehicle was never added to the policy Mr*** had with themAfter three notices were sent to the member requesting proof of full coverage insurance for the Jeep a policy was purchased by America's Credit Union and added to the monthly paymentsThe notification process is compliant with Washington State regulations regarding forced place insuranceOn September 9, America's Credit Union was able to confirm the Mr*** had full coverage insurance on the Jeep with *** ***On 9/10/America's Credit Union received a partial refund of$4,for the Collateral Protection policy we had purchasedThe partial refund was posted to the member's loan and the payments were reduced to cover the remaining balance of the collateral protection insurance as the member had no insurance coverage on the vehicle from June 1, thru August 15,After receiving your complaint our staff reached out to Mr*** to discuss the reason he had no coverage from June 1, thru August 15, On 9/17/Mr*** explained he thought *** had added the vehicle which they had notMr*** stated he switched to *** *** due to issues with ***America's Credit Union offered Mr*** as a courtesy that we were willing to waive the partial Collateral Protection policy he was still liable for given he provide proof the vehicle had no damage during the time he was not carrying his own insurance coverageSeptember 18th, Mr*** e-mailed America's Credit Union photos of the collateral to verity there was no damage to our collateralOn 9/18/America's Credit Union sent our insurance provider a waiver of coverage for the lapse period of 6/1/15-8/15/The partial Collateral insurance policy refund will be posted to Mr*** loan balance in the next 10-business daysFor any further questions please, feel free to contact me at *** or by email at *** ***