Andrews Federal Credit Union

Hi I went to Andrew credit union branch in Mt. Laurel New Jersey to obtain some blank checks for my checking account only to be turn away at the door by an Allied security officer. The security Guard told me the reason I couldn’t go inside because the bank personnel was counting money, I didn’t see any sign on the bank door indicating it was closed but I didn’t disobey her direction therefore I walk to the drive through to receive my blank check. This was extremely weird this is the only branch that I’m restricted from going inside to do my banking business. If that’s how they going to treat me I personally don’t want to do anymore business with this bank.

September 11, 2014Dear [redacted] ,Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com in regards to establishing membership with Andrews Federal Credit Union [redacted] completed an application for membership on Sunday, August 3, during Family Fun Day in [redacted] , MDThe representatives who attend these functions inform potential member’s that if the application is approved, they will receive their debit card within seven business daysAll applications were returned to our [redacted] Road Branch for review, scanned and then destroyedWe validate the information provided on the application and run a [redacted] report to see if the potential member has a negative report with other financial institutionsIf there is a negative report in [redacted] , we mail an Adverse Action Letter to the address listed on the applicationThe Adverse Action Letter explains the reason an application was not approved and who they need to contactAn Adverse Action Letter was mailed to [redacted] on August 11, 2014.Should you need any further information, please do not hesitate to contact me.Sincerely,Tonia V

April 2, [redacted] Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com regarding customer service issues [redacted] states in his complaint that he applied for a [redacted] Credit Card on March 22, and was immediately approvedOn March 27, he was contacted by a Lending Representative who informed him that he needed to complete an application for membership in order to process the credit card [redacted] followed up with two e-mails, after completing the membership application, and didn’t receive a response from the Lending Representative I contacted the Lending Department and had the card manually activated on April 1, The card will be sent via express mail [redacted] card is scheduled for delivery on April 3, at no charge to himWe would like to extend our apologies for the delay and any inconvenience this may have caused Should you need any further information, please do not hesitate to contact me Sincerely, Tonia V [redacted] Member Advocate Andrews Federal Credit Union [redacted]

July 30, [redacted] Revdex.com of Metropolitan Washington DC and Eastern PennsylvaniaK St NW, 10th FloorWashington, DC 20004-Subject: [redacted] , Complaint Identification [redacted] Dear [redacted] , Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com regarding his request for his loan balance to be corrected.Collateral Protection Insurance (CPI) was added to [redacted] ’ auto loan on June 27, because our records indicated that we did not have proof of insuranceProof of insurance was confirmed on July 16, A full refund of $2,was credited back to the loan on July 25, CPI has been removed and his monthly loan payment was adjusted back to $per monthWe thank you for bringing this matter to our attentionShould you need any further information, please do not hesitate to contact me directlySincerely, Tonia V***Member Advocate###-###-#### – Office###-###-#### – [email protected]

February 6, "Tahoma","sans-serif [redacted] Better Business Bureau of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20004- Subject: [redacted] , Complaint Identification [redacted] Dear [redacted] , Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com regarding a billing/collection issue Mr Kimbrough states in his complaint that Andrews Federal Credit Union withdrew $ from his checking account to pay on a closed credit card which he has been attempting to dispute for over a yearHe also states that the $in fees assessed between January 5, to January 20, were a result of the $debit A thorough investigation of [redacted] ’s account and his complaint has been completedThe state of his account and our subsequent actions are explained as follows: On January 5, [redacted] (***) debited $from [redacted] ’s checking account and applied it to the [redacted] Credit Card, due to the card being over the limitPrior to the $debit, his checking account balance was $ The negative balance was caused by an Automatic Clearing House (ACH) transaction in the amount of $The $ transaction did not cause [redacted] to incur $in fees The fees were incurred because of numerous debits initiated by [redacted] On January 22, 2015, [redacted] sent an e-mail regarding the $debit to the Debt Counselor, Denise A [redacted] Ms A [redacted] responded to him via email on January 23, 2015, explaining that the Loan liner Plan, which [redacted] had signed at the time that he applied for his [redacted] Credit Card, states that we have the right to transfer funds from the member’s checking account if a loan/credit card is delinquent or over the credit limit MsA [redacted] contacted Mr Kimbrough again via email on January 28, 2015, and provided him with the name, e-mail address and direct phone number for the Card Support Manager he should contact to discuss his [redacted] Credit Card Should you need any further information, please do not hesitate to contact meSincerely, Tonia V [redacted] Member Advocate Andrews Federal Credit Union [redacted] Suitland, Maryland [redacted] Office [redacted]

Andrews Federal Credit Union (AFCU) has been taking additional funds as a penalty in the amount $from my over draft account which was sto be done at the first of each month automatic withdraw by AFCU for the last monthsAfter reviewing this account in a greater detail I learn from on-line system the following information:" XFR Pmt: From Share Principal 18.41- Int/Penalty Due Date 01/25/2014" which a penalty being forced upon myself and is having an adverse effect upon my overall credit score.I am seeking Andrews Federal Credit Union (AFCU) to stop this additional penalty process and to return those fundsAdditionally, to update and clear my credit rating under this matterWhich is truly unfair business practice being done and not agreed to by meDesired Settlement: Refund

July 22, [redacted] Revdex.com of Metropolitan Washington DC and Eastern PennsylvaniaK St NW, 10th FloorWashington, DC 20004-Subject: [redacted] , Complaint Identification [redacted] Dear [redacted] , Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com regarding her request to close her account with Andrews Federal Credit Union.We received a letter from [redacted] on July 2, requesting to close her [redacted] Credit Card and Share AccountOnce the letter was received, a request was forwarded to the [redacted] Department to close the credit cardWe are unclear why the Share Account was not closed [redacted] followed up with a fax request, that was received on July 15, 2014, and the account was closed that dayA check in the amount of $was mailed to the address we have on file We thank you for bringing this matter to our attentionShould you need any further information, please do not hesitate to contact me directlySincerely, Tonia V***Member Advocate###-###-#### – Office###-###-#### – [email protected]

January 6, Dear [redacted] , Thank you for notifying Andrews Federal Credit Union regarding the recent complaint filed by [redacted] with the Revdex.com regarding a refund issue [redacted] ascertains in her complaint she has contacted Andrews Federal Credit Union over ten years ago regarding funds in her savings account, which was closed in Additionally, [redacted] ***, stated, she was directed to contact The Department of Treasury in Maryland who told her she had a total of $which they would forward to her.All States require financial institutions to report contents of safe deposit boxes, bank accounts, wages, insurance benefits, security deposits, stock dividends and other property to the Comptroller's office of that state, if the property in question remains unclaimed for three or more yearsIn the event the financial institution is unable to contact the member and the account remains inactive for the period of time specified by State law, the firm must report the account to the state where the account is heldThe State claims the account through a process called "escheatment," whereby the State becomes the owner of the account, Prior to the escheatment process, Andrews makes an effort to remind our members of their inactive accountsOn our process, two letters are mailed to our members the year an account is in danger of being escheatedOne notice is sent in June and a second notice is sent in AugustI have enclosed a sample copy of both letters for referenceThe letter provided the member an opportunity to maintain the account or close the account and send any remaining funds to the address on fileIn situations where a response is not received, the account is closed and the funds are escheated to the State on October 31st of that year [redacted] account was escheated October 31, therefore; she will need to contact the State of Maryland regarding the fundsShould you need any further information, please do not hesitate to contact me, Sincerely, Tonia VMember Advocate

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:Your department is keep withdrawing $from my account; which is not authorized after I thdn informed the bank on several occasions that I did not make $10,worth of purchases on a card with a $1,limit Your department has continued to fail to investigate this matter after I've conplained several times on the issues Regards, [redacted]

September 14, [redacted] RevDex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20004- Subject: [redacted] , Complaint Identification [redacted] Dear [redacted] , Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com regarding a service issues [redacted] states in his complaint that Andrews Federal Credit Union received the payoff check for the [redacted] on August 27, 2015, from [redacted] ***He called on September 2, to check the status of the title and was promised a call back [redacted] never received a callHe noted when he called again, he was told the title was in process and that it could take up to sixty (60) days It is Credit Union policy to ensure the turn-a-round time for a title to be mailed after payoff is two weeks after the payoff has been posted to the loan I have looked into this matter and verified the title was mailed on Thursday, September 10, to [redacted] in Portsmouth, New HampshireWe apologize for any misinformation provided to [redacted] and any inconvenience this may have caused Thank you for bringing this matter to our attention Please do not hesitate to contact me directly should you need any additional information Sincerely, Tonia V [redacted] Member Advocate Andrews Federal Credit Union [redacted] Suitland, Maryland [redacted] Office [redacted]

July 30, [redacted] Revdex.com of Metropolitan Washington DC and Eastern PennsylvaniaK St NW, 10th FloorWashington, DC 20004-Subject: [redacted] , Complaint Identification [redacted] Dear [redacted] , Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by [redacted] with the Revdex.com regarding his request to close his account with Andrews Federal Credit Union[redacted] stated in his complaint that twice he e-mailed a letter accompanied with a copy of two forms of identification to close his accountWe have been unable to locate either e-mailWe closed the account on July 30, per the complaint filedWe credited the $paper statement fee back to the account, and a check in the amount of $was mailed to the address we have on file We thank you for bringing this matter to our attentionShould you need any further information, please do not hesitate to contact me directlySincerely, Tonia V***Member Advocate###-###-#### – Office###-###-#### – [email protected]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.]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 Regards, [redacted]

April
28,
*** ***
*** *** *** ** ***
*** ** *** *** ***
*** * ** *** *** ***
*** ** ***
*** *** *** *** *** *** ***
*** *** ***
Thank you for notifying Andrews Federal Credit Union of
the recent complaint filed by *** *** with the Revdex.com
regarding a billing issue
*** *** states in his complaint that he made an
additional principle payment in the amount of $in March He was unaware that
Andrews Federal had sold his mortgage to *** ***I contacted Christina P***, Mortgage Servicing Supervisor, who stated
that we sold the mortgage to *** *** on February 25, *** ***
required us to collect the first payment for March *** *** included
additional funds to be placed on the principle balanceThe additional amount
did not transfer to *** ***
Christina P*** informed me that several messages were left for *** *** at *** *** to discuss how we could resolve this issueOn
Friday, April 24, *** *** returned Christina’s phone call and she
informed her to send a check for $to *** *** ** *** *** *** ** *** *** will apply it to
*** ***’s principle balanceThe check was mailed April 24,
Should
you need any further information, please do not hesitate to contact me
Sincerely,
Tonia
V***
Member
Advocate
Andrews
Federal Credit Union
*** *** ***
*** *** ***
*** ***

*** *** ***
*
*
*** ***
*** *** *** ** ***
*** ** *** ***
***
*** * ** *** *** ***
*** ** ***
*
*** *** *** *** *** *** ***
*
*** *** ***
Thank you for notifying Andrews Federal Credit Union of
the recent complaint filed by *** *** with
the Revdex.com regarding the Title for her
***
*** *** states in her complaint she contacted
Andrews Federal Credit Union on March 13, to inquire how long it would
take to receive her titleThe
turnaround time is business daysHowever, due to staff shortage the time to
process release of titles has taken longer than one month
*** *** also stated that when she called Andrews
Federal Credit Union on May 27, to inquire on the whereabouts of her title
the representative she spoke with indicated that according to the diary memo on
her account the title was mailed to a *** addressIt was found that the address
in the diary memo was incorrectLater that day she spoke with the Lending
Supervisor and was informed that the title was, in fact, sent to the correct
addressThe title was mailed via three-day Federal Express*** ***
received the title on May 28, at 1:PM
Should you need any further information, please do not
hesitate to contact me
Sincerely,
Tonia
V***
Member
Advocate
Andrews
Federal Credit Union
*** *** ***
*** *** ***
*** ***

November
9,
"Tahoma","sans-serif"">
*** ***
RevDex.com of Metropolitan
Washington
DC and Eastern Pennsylvania
K St NW, 10th Floor
Washington,
DC 20004-
Subject:
*** ***, Complaint Identification ***
Dear
*** ***,
Thank
you for notifying Andrews Federal Credit Union of the recent complaint filed by
*** *** with the Revdex.com regarding a billing/collection
issue
Mr
Willis states in his complaint that Andrews Federal Credit Union is reporting
two accounts on his credit bureau report and the status shows “Creditor cannot
locate individual”
We
researched *** ***’ credit bureau report, from ***, and our records do
not indicate the accounts are coded as “Creditor cannot locate individual”We
request that *** *** provide a copy of the relevant portion of the consumer
report that he has, which identifies the inaccurate informationUpon receipt
of the documentation and our complete investigation, we will notify each
Consumer Reporting Agency accordingly if the information is inaccurate
We
mailed *** *** a copy of the credit report from *** on November 09,
2015, to the address we have on file, which has nothing stating “creditor
cannot locate individual”
Should
you need any further information, please do not hesitate to contact me
Sincerely,
Tonia
V***
Member
Advocate
Andrews
Federal Credit Union
*** *** ***
Suitland,
Maryland ***
Office ***

July
15,
***
***
RevDex.com of Metropolitan
Washington
DC and Eastern Pennsylvania
K St NW, 10th Floor
Washington,
DC 20004-
Subject:
*** ***, Complaint Identification ***
Dear
Ms***,
Thank you for notifying Andrews Federal Credit Union of
the recent complaint filed by *** *** with
the Revdex.com regarding his request to be
removed from an account
Mr*** states in his complaint that he has made
several attempts to have his name removed from a *** Credit Card accountHe
also stated that he was only an authorized user of the *** cardI obtained a
copy of the *** application and Mr*** signed as a co-borrowerHis income
along with the primary holder’s income was the determining factor for approval
of the *** Credit CardThe Debt Management Solutions (DMS) department mailed
Misty ***, primary account holder, the necessary forms to apply for the
credit card in her name aloneWe can remove Mr*** from the *** account
only if she qualifies for the balance under her name aloneWe have not
received the paperwork from Misty *** as of Tuesday, July 14, We will
reach out to her again to obtain the necessary paperwork to remove Mr***
from the *** Credit Card account
I sent the request to DMS to have any delinquencies
removed from Mr***’s credit reportThis can take up to thirty daysI
have maintained contact, via e-mail, with Mr*** providing updates as I
receive them from DMSI will continue providing him with any information I
receive
Should
you need any further information, please do not hesitate to contact me
Sincerely,
Tonia
V***
Member
Advocate
Andrews
Federal Credit Union
*** *** ***
Suitland,
Maryland
Office
###-###-####

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
How is this possible? I have no recollection of making these payment and rarely used this card.
Regards,
*** ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:
Regards,
Alphonso Clemons
Andrews Federal Credit Union claims my calls did not initiate the membership process because an Adverse Action Letter was mailed within the seven day time frame. Monday, August 11, 2014 no Adverse Action Letter was mailed as they claim. August 11, 2014 is the day I called for a status check which also completes the seven day time frame. I called again on the 12th of August 2014 which apparently initiated the qualification process because Wednesday, August 13, 2014 is the actual day the Adverse Action Letter was mailed. I have the actual letter in my files which dates August 13, 2014. I'm rejecting their response due to the inaccurate statements made in order to fix a flaw. I'm highly insulted by the signature at the end of their response as if their statements were legit.

February 07, 2014
Dear [redacted],
Thank you for your application # [redacted] for credit -Credit Card.
We regret to inform you that the request was denied. The principal reason for the adverse action concerning your request is: Overextended
Your credit score was: 684 . Scores range from a low of 320 to a high of 844 .
Key factors that adversely affected your credit score:
*    SERIOUS DELINQUENCY
' PROPORTION OF BALANCE TO HIGH CREDIT ON BANK REVOLVING OR ALL REVOLVING ACCOUNTS
*    LENGTH OF TIME ACCOUNTS HAVE BEEN ESTABLISHED
*    PROPORTION OF LOAN BALANCES TO LOAN AMOUNTS IS TOO HIGH
*    TOO MANY INQUIRIES LAST 12 MONTHS
Our credit decision was based in whole or in part on information obtained in a consumer report from:
[redacted]
[redacted]
Other than supplying information to us, the reporting agency played no part in the decision concerning your application.
Under the Fair Credit Reporting Act, you have the right to know the information contained in your consumer report. You also have a right to obtain a free copy of your report from the reporting agency, if you request it within 60 days of when you receive this notice. In addition, if you find that any of the information contained in the report is inaccurate or incomplete, you have the fight to dispute the matter with the consumer reporting agency.
If you have any information that would assist in more favorably evaluating your request, please let us know by contacting us at ###-###-#### {in US) or **.###-###-####7 {outside US). We appreciate your membership and sincerely hope that we will be able to serve you in the future.
The Federal ECOA prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided that the applicant has the capacity to enter into a binding contract); because all or part of the applicant's income is received from a public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act. If you believe that there has been discrimination in the handling of your a pplication, you should contact the National Credit Union Administration, Office of Consumer Protection {OCP}, Division of Consumer Compliance and Outreach (DCCO), 1775 Duke St, Alexandria, VA 22314.

June 6, 2014

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[redacted]
Revdex.com of
Metropolitan
Washington DC and Eastern
Pennsylvania
1411 K St NW, 10th
Floor
Washington, DC 20004-3404
 
Subject: [redacted],
Complaint Identification [redacted]
 
Dear **. [redacted],
 
Thank
you for notifying Andrews Federal Credit Union of the recent complaint filed by
[redacted] regarding funds to be applied to her auto loan.
 
**.
[redacted] states in her complaint that she purchased a motorcycle through the
military auto sales funded by Andrews Federal Credit Union and never received
an account number to allow her to check the loan via online banking. She also
stated that she never established membership with Andrews Federal. Individuals
can apply for a loan; however no loan can be disbursed until membership is
established. I researched **. [redacted] account and a membership application was completed
by her on February 7, 2012. **. [redacted] signed this application electronically
on February 12, 2012 and the account was opened on March 5, 2012. A welcome
letter and loan receipt was mailed to **. [redacted] on March 5, 2012 to the
address we currently have on file. The account number was listed on both
documents. The current balance of the loan as of June 5, 2014 is $2,149.73.
 
**.
[redacted] set up the following allotments from Defense and Accounting Service (DFAS)
for deposit into the savings account:
·       
A
bi-monthly deposit in the amount of $350.00 from November 15, 2012 through June
27, 2013
·       
A
bi-monthly deposit in the amount of $250.00 from July 11, 2013 through
September 5, 2013
·       
A
bi-monthly deposit in the amount of $400.00 from September 19, 2013 through October
31, 2013
·       
A
bi-monthly deposit in the amount of $59.03 from November 14, 2013 through March
6, 2014
·       
A
bi-monthly deposit in the amount of $159.03 from March 20, 2014 to present
 
The
following payments were made to the loan:
·       
A
check payment made at the Andrews Air Force Base Branch located in [redacted], MD
monthly in the amount of $350.00 from July 31, 2013 through September 5, 2013
·       
An
automatic transfer from the savings account in the amount of $286.76 on
December 12, 2012
·       
An
automatic transfer from the savings account in the amount of $340.97 from
January 12, 2013 through November 11, 2013
·       
A
bi-monthly Automatic Clearing House (ACH) from DFAS in the amount of $140.97
and 200.00 from November 14, 2013 through April 3, 2014
·       
A
transfer from a mobile device in the amount of $5,000.00 from the savings
account on April 11, 2014
·       
**.
[redacted] called our Contact Center and requested to transfer $629.76 from the
savings account on April 15, 2014
·       
A
bi-monthly ACH from DFAS in the amount of $140.97 and $200.00 from April 17,
2014 to present
·       
**.
[redacted] called our Contact Center and requested to transfer $629.76 from the
savings account on May 30, 2014
 
 
 
Should you need any further
information, please do not hesitate to contact me.
 
Sincerely,
 
 
 
[redacted]
Member Advocate
Andrews Federal Credit Union
5711 Allentown Road
Suitland, Maryland 20746
Office [redacted]