American Eagle Bank

HelloAfter a thorough review of this file, we have confirmed that the title was indeed mailed to the consumer at the address on record Since we have not received the title back as "returned mail", it can only be presumed to be lost or somehow delayed in the mail We use the same title delivery system as does the Secretary of State - USPS first class mail, which is generally highly reliable We have also provided the consumer with a Lien Release letter that she may present to the Secretary of State's office along with a duplicate title request form if the original title does not eventually arrive Thank You

Initial Business Response / [redacted] (1000, 5, 2015/09/14) */ There is no record of anyony by the name of Kerry [redacted] in our loan portfolioPlease provide more informationThank You

Hello The vehicle connected with this debtor's loan was recently repossessed due to payment default Any and all prior payments (until default) have been initiated and/or fully authorized by the debtorThank You

Complaint: ***
I am rejecting this response because:The fees which I was never notified of are based on lies and exaggeration by the crooked bank and their evil attorney
Sincerely,
*** ***

Hello. After a thorough review of this complaint, American Eagle Bank agrees to remove the hard credit bureau Inquiry dated 12/21/due to possible identity fraud alleged by the consumer. Thank You

Hello. The legal fees in question were approved by the Chapter Bankruptcy court and are the sole responsibility of the consumer. Once we receive the pay off balance, the paid documents, including title shall be promptly mailed to the consumer. Thank you

Complaint: ***
I am rejecting this response because: My issues have not been addressed
Sincerely,
*** ***

HelloI have reviewed the payment history and collection activity on this account and found as follows: All payments that were received from the consumer were posted correctly and in a timely manner. Late charges were accrued whenever payments were not received within the standard
day grace period. The late fees that accrued were significant and we have already previously waived $as a gesture of goodwill. As a payment plan to pay the remaining late charge balance was recently agreed upon with the consumer, we consider this matter closed. There were no phone calls made to the consumer's references as alleged in the complaint. Thank You

Initial Business Response /* (1000, 7, 2015/09/02) */
This matter was resolved to the consumer's satisfaction on August 25thThe remaining loan balance was waivedThank you

HelloWe are in the process of applying for a duplicate title at our expense. Once received from the Secretary of State, we shall notify the consumer for his delivery preferenceThank You

Thank You for the inquiry. It is and has always been this bank's policy to mail all "paid" loan documents, including the cancelled contract, vehicle title, and any over payment to consumers upon payment in full. These documents are sent together, in one envelope. Since the consumer
actually received the title and all of our records indicate that the check was included in that envelop, the original check must be presumed to have been lost or misplaced by the consumer. There is no refund due to the consumer as the bank followed its procedures to the best of its ability

Hello. This debt stems from a deficiency balance that resulted after the sale of a repossessed vehicle. The debtor is currently repaying the deficiency via a previously agreed upon repayment schedule. The credit bureau reflects the correct information as to the actual payment
history. Thank You

HelloWe are applying for a duplicate title at our expense and will notify the consumer upon its receipt for her delivery preference. Thank you

Hello.  The legal fees were fully disclosed and approved through the attorneys and bankruptcy court.  These stemmed from three separate instances where initial and subsequent legal representation became necessary throughout this Chapter 13 Bankruptcy process.  Please consult with your attorney for further clarification.  Thank You.

Hello.  After further consideration, the bank agrees, in the spirit of good customer relations, refund the fee.  We ask that the consumer contact me by email to [redacted]@amebank.com to confirm the current mailing address.  Once received, a check shall be remitted and mailed. Thank You!

Hello.  I have reviewed the complaint, along with the posted payment thoroughly and find that all of the payments in question, as well as the hardship extensions (two for the July and August 2016 payments, were applied correctly on 10/5/2016.  If there are any payments missing please...

provide proof  and we shall be happy to investigate further. Thank You.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Thank you very much. I appreciate your willingness on this matter. I have emailed you our current address and will be on the lookout for the check in the mail.
Sincerely,
Catherine [redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and find that this resolution is satisfactory to me.
Sincerely,
[redacted]

Good Morning.  We have already applied for and received the duplicate title in this matter and informed the consumer as much.  They are scheduled to pick up the title at our facility this coming weekend.  Thank You.

Initial Business Response /* (1000, 5, 2014/12/30) */
Thank you for bringing the matter to our attention. In order to protect the privacy of our customer's financial and personal information, we cannot directly respond to the complaint. We can, however, provide assurances that American Eagle Bank...

acts within the strict confines of the law in all matters of its business.
Ms. [redacted] contacted us last in November 2014 and according to our records intended to have follow-up discussions with us after looking into the matter on her end. We have not had the opportunity to have that follow up discussion with Ms. [redacted] and invite her to contact [redacted] Z. the manager of that department at XXX-XXX-XXXX, who can answer all her questions and provide any required documentation.
Initial Consumer Rebuttal /* (3000, 7, 2015/01/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
In reply, who is [redacted] Z., I was NEVER INVITED TO SPEAK WITH A [redacted] Z. Previously I spoke with a "[redacted]" His last Name was Refused to me !!! [redacted] supposedly the MGR. of that Department. I spoke with this [redacted] and asked him to high light in my contact where it is stated that I would be charged $300.00 for a Bankruptcy FEE. He Refused I ask for my Title he flat out told me "NO YOUR NOT GOING TO GET YOUR TITLE'. SINCE American Eagle Bank has stated in their reply confidentiality between myself and them, I authorize the Revdex.com full access to my Personal and financial information regarding this matter. can I send my contract to you to look over ? My lawyer that handled my Bankruptcy looked over it and stated "there's nothing in it that states a fee For handling a Bankruptcy" ,the Lawyer called the Bank and his phone call's to American Eagle Bank TO [redacted] were never ANSWERED OR a Call was never RETURNED to the attorney and he left messages too. I also sent the Bank a certified letter stating to send my title to me.
Final Business Response /* (4000, 11, 2015/01/23) */
The fee that the consumer refers to is considered to be an ordinary collection expense, permitted by the courts, and a liability of the borrower in accordance with the Retail Instalment Contract.