Apple Federal Credit Union

I am sorry that Ms [redacted] has rejected our second response Her statement that a member has “twenty-one days to repay the $1,000.00” is not Apple’s policyAs mentioned in our first response, Apple FCU is not obligated to offer overdraft privilege It might be helpful to share our disclosure regarding the overdraft privilege The disclosure below is included in our membership application that every new member including Ms [redacted] agrees to when they sign the application to open their membership with Apple FCU: Overdrafts – You understand that we may, at our discretion, honor withdrawal requests that overdraw your account However, the fact that we may honor withdrawal requests that overdraw the account balance does not obligate us to do so later So you can NOT rely on us to pay overdrafts on your account regardless of how frequently or under what circumstances we have paid overdrafts on your account in the past We can change our practice of paying overdrafts on your account without notice to youCurrently the checking account is overdrawn and has been sent to a collections agency, [redacted] The overdraft privilege has been permanently revoked on the account To begin the process of bringing the checking account back into good standing, Ms [redacted] should contact them at ###-###-#### If Ms [redacted] has any further questions regarding this, she may contact me directlySincerely, Sydney W [redacted] ###-###-#### Tell us why here

From: Sydney W [redacted] Date: Tue, Dec 8, at 10:AMSubject: ID [redacted] To: [redacted] < [redacted] @myRevdex.com.org>Dear [redacted] , I apologize for the delay in responding to this complaint Our lending department contacted [redacted] on October 8, regarding this complaint and spoke to her directly We explained that Apple FCU is obligated under the Fair Credit Reporting Act (FCRA) to report accurate and factual payment history on all loans We must adhere to the FCRA in that it ensures accuracy and fairness to all consumers and financial institutions [redacted] understood Apple’s position when we contacted her in October We talked to her at length and will continue to work with her on improving her financial situation to every degree that we canRegards,Sydney W*** Sydney W***Vice President, Service DeliveryApple Federal Credit UnionImproving lives Fulfilling dreams

[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: Neither of the attachments that the creditor attached were sent to the address on file, nor my current residents on file in which Apple Federal Credit Union is informed ofThere is no proof of postage just an attachment of a pdfthat I could have created Furthermore, I was in the process of paying off the debts of the impound and worked with the DMV with that settlement and was never informed that Apple Federal Credit Union has repossessed my vehicle from the impound that I was paying Once I was on my final payment and was attempting to set up arrangements to pick up my vehicle, I was then informed that Apple Federal Credit Union had possession of itEven still, it never states that the Creditor does not have to send me notificationThat is on the creditors behalfI never received any notification from Dc impound that the fees that I was also making installments on were paid, as I am still held responsible for paying the exact same fees I contacted the creditor to come to an understanding immediately as once again I had not been informed of ANYTHING, neither by mail nor phoneI communicated to apple by phone and email and set up an installment plan to at least lower the amount due on the car after repossessionThis installment agreement and email is attachedYou will find that I requested that the funds be taken out on starting September 5, in which not one payment was removedOn September 20th, again no fees were taken out from the creditor and at this point I no longer felt comfortable with the automatic plan as the creditor was not abiding by the requestDuring this time, I reached out to the creditor to get an understanding of why the installments were never taken outThe same creditors that claim I fell through on payment promises when I informed them that I would be behind due to my loss of job, they did not take two installments out for some reasonThis was not comfortable, as I could not understand whyFurthermore, I requested the information of the date location and time of the vehicles auction, and never got that information from the creditorI was given a number, in which I left a message, and still never received any feedbackLastly, I had to find out the location of the storage on my own in which my vehicle was stored atI was given a number completely out of region by the creditor and had to find the subcontractor to locate my vehicleDue to the lack of notification, was unable to retrieve my items (aside from my tags) because of the delay Apple Federal Credit Union has done a poor job in informing me of what I needed to know and what by law I was suppose to be notified of: Once again, they did not inform me of the repossession by mail which by law states must be done, regardless of the location of the vehicle.They were sneaky in repossessing the vehicle by not informing me, by not informing me of the vehicles location to claim my items, and by not informing me of the auction even after the information was requested After I attempted to continue installments after the car was shipped off to storage with no notification of repossession, Apple federal credit union failed to withdraw the installments from my account, even though I submitted a request for them to do so, a month ahead of timeTheir claim that I unfortunately fell through on a payment is slanderous, as I have had issue with them automatically taking out payments unauthorized, and I was refunded over $because of their mistakeBecause of that I am uncomfortable with automatic payments not being withdrawn for some strange reason that I was never given justification for Creditors can not just do what they want with people and property, I was always in communication, the creditor denied me that justiceI was always honest, too honest, and the creditor denied me that same respectI never attempted to connive the creditor, yet I had to find out after the fact on my own time, that not only was my car repossessed but it was repossessed before I could even have a chance to make the full payment on Oct 5, That is unjust Everything about this situation is unjust and with a careless attitude, I could have retrieved my car by now but I still to this day do not know where the auction wasI do not know what the creditor got in value for the vehicle and I do not know if I am owed any money back from the auctionThere is no way that I am suppose to be this lost and upset and feeling so done wrongAbsolutely unacceptable and there is no one to blame but Apple Federal Credit UnionThe creditor held all the information and failed to notify me and that is unlawful Regards, [redacted]

Thank you for giving us the opportunity to respond to this complaint We are very sorry that [redacted] had so much trouble in getting us to send the letter of guarantee to her insurance company We have confirmed now that the letter of guarantee was sent to [redacted] on November 15th at 2:00pm I have also spoken to [redacted] and apologized for all the inconvenience she was caused.Part of the problem was that we had some trouble getting an employee at [redacted] to return our calls After no response, we called the [redacted] number and reached Paulina who promptly handled our questions and we sent the letter to her on the same day Apple is reviewing our fax processes to prevent a similar situation from happening again We appreciate that [redacted] has brought her concerns to our attention as it has given us an opportunity to look into what happened and fix some systemic issues.Sincerely,Sydney W [redacted]

[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:1) I did not ask or request to open a joint account with my daughter I would like to request a copy of the disclosure with my signature showing the "right to offset any account that either member holds which cause a loss to Apple FCU." That is basically signing a blank check for either my daughter or myself that the other person should not be liable for This is unacceptable Anyone knowing the possible ramifications would not accept such a risk Ever!2) I am not aware of any law that "financial institutions are required by law to give depositors access to most funds within two days If we could hold funds longer, we could prevent more losses like the loss on [redacted] ’s account." However, I do not believe there is any reason Apple FCU could not reach out to [redacted] to state they were continuing to research the check If they had, then she would have continued to hold the check instead of proceeding with her employer's request 3) I appreciate being provided the following information by Apple FCU I wish that type of communication was known to all customers It would allow members to make informed decisions:"Under the Uniform Commercial Code (UCC), there is an implied warranty that when a check is presented for deposit to a bank or credit union, that the customer or member is warranting that a) the item is good or b) if it is not good, then they will make it good In instances where others are joint on the loss-causing account, financial Institutions are permitted the “right of offset” as their remedy."4) My daughter and I are trying very hard to have the funds reimbursed to Apple by another source My daughter and I suffered the loss My daughter and I were members of Apple FCU Therefore, Apple FCU ALSO suffered the loss but instead of helping the members that make up their institution, they took the money from me without notification of any kind Apple FCU "can absorb the losses of this type of criminal activity" and yes it is true the law does not require them to However, we have contacted local law enforcement and gone nowhere In addition, we have reported the loss to [redacted] ***, the FCC, and the FBI We have not received any help so far 5) If Apple FCU is willing to assist in this matter, then assist Stop standing on the sidelines This could be a great chance for Apple FCU to actually help their members rather than state "we will fully assist." The perfect reason to assist has been provided by Apple FCU in their response:"Apple’s Security Manager was himself a Police Officer and Detective before entering Corporate and Financial Security He maintains very close relationships with Federal and local detectives who have informed him in the past that this type of crime was probably initiated overseas and the funds were probably collected at a Western Union location outside of the United States of America." Regards, [redacted]

Apple FCU has investigated the complaint for [redacted] regarding the payment history on his Apple Auto Loan In November payments for the loan were set up to recur on the 1st and 15th of each month at the request of [redacted] Prior to this time, payments had been made from another financial institution but not on an automatic recurring basisIt’s true that payments to the loan were cancelled twice but these cancellations were not initiated by Apple FCU One payment was cancelled in November as an “unauthorized” payment and another was cancelled in January due to a stop payment placed with the other financial institution Each time a loan payment was late, Apple FCU notified the member Email notifications were sent automatically by our system and Apple FCU contacted the member multiple times during the past two years by phone and email Financial institutions are legally required to report fair and accurate information to the credit bureaus and therefore we are unable to change the late payment information that has been reported on this loan Apple FCU is here to help our members as much as possible We offer a free financial education to our members through a company called BALANCE They offer debt management and credit counseling as well as assistance on how to improve credit scores BALANCE can be reached at ###-###-#### or www[redacted] .net/ [redacted] /applefcu/ Sincerely,Sydney W***###-###-####

Apple FCU may need more information from [redacted] to accurately respond to this complaint The Complaint Background states that the problem occurred on 12/11/ We did not find any withdrawals by Apple FCU from ***’s account on or near that date We believe that ** [redacted] may be referring to a withdrawal that Apple FCU made from his checking account on January 11, On that day Apple FCU transferred $ from ***’s share checking account to his Apple auto loan This was the amount that was past due on the loan because of a partial loan payment of $that had been made on December 13, Apple FCU has the right to transfer funds from members’ deposit accounts to their past due loans based on a Statutory Lien law that states: “If you are in default (one or more days late) on a financial obligation to us, federal law gives us the right to apply the balance of shares and dividends in your account(s) at the time of default to satisfy that obligation Once you are in default, we may exercise the right without further notice to you.” This right is disclosed to all Apple FCU members when they open their membership with Apple hope this addresses some or all of his concerns If he has further questions, he may contact me directly at the phone number or email address below Regards, [redacted] Phone: ###-###-#### Email: [redacted]

Our records show that [redacted] and [redacted] opened a joint checking and saving accounts with Apple FCU in July [redacted] visited one of our branches on March 31, and was given signed documents showing that [redacted] ’s was joint on the account When [redacted] said that the signatures were not hers, we offered to provide her affidavits of forgery to resolve the situation As of this time, we have not received any affidavits of forgery to dispute the signaturesWhen [redacted] visited the branch on March 31, we reviewed Apple’s right to debit the joint share accounts to offset a delinquency on another account belonging to [redacted] Apple had withdrawn $4,from the joint savings account on March and applied it to a past due Visa account Our research shows that we were within our rights to take the $4,payment and apply it to the Visa account and therefore, Apple will not return these funds Apple sent [redacted] s a letter on April 5, explaining this At this time, our records show that ** [redacted] s was added to all of [redacted] ’s accounts Is [redacted] has any more questions about this matter, she may contact Jennifer Peart, VP of Organizational Communication at [redacted] or [redacted] @applefcu.org for assistance.Sincerely,Sydney W***Vice President, Service Delivery

July 29, 2015We are very sorry for the difficulty that [redacted] and [redacted] are going through due to what appears to be an internet scam/crimeApple would like to help as much as we canSince the [redacted] are the victims of this crime, they have the legal standing to report the event to law enforcementIf the legal authorities will conduct an investigation, Apple FCU will provide any and all information we can to help with thatOur security officer would be happy to talk to the [redacted] about his experience with these types of crimes and investigationsWe realize the likelihood of finding the perpetrator(s) is very slimUnfortunately, Apple does not have the legal status to investigate crimes.According to Apple FCU's records, [redacted] was added as a joint member to [redacted] 's Apple FCU savings and checking accounts at our Woodbridge branch on October 2, 2013, Apple FCU staff is required to verify the identity of the joining memberAttached is the “Addition of Joint Ownership” form that includes [redacted] 's Virginia Driver's license number as well as his signature(We have blacked out the social security number and birthdate)If this signature is not that of ** [redacted] , he should contact us as soon as possible.The signed form states “I/We acknowledge receipt of a copy of the Agreements and Disclosures applicable to the accounts and services requested herein.” The disclosure brochure was given to the [redacted] on October 2"I will mail a copy of this disclosure to Mr [redacted] The “right of offset" information can be found in this brochure under “Right to Repayment of Indebtedness.” The brochure also provides our check hold policy under “Your Ability to Withdraw Funds.”Apple FCU doesn't research checks unless we are asked to release funds early, it appears to be a possible counterfeit, or the member makes Apple aware that they are unsure of the source of the fundsUnfortunately this check did not appear to be counterfeit and we did not know the source of the checkWe placed a two day hold on the check and unfortunately it was returned to Apple as counterfeit five days later.The Uniform Commercial Code information can be found online on many websitesCornell University has one site at https://www.law.cornell.edu/ucc/4/Article covers the presentment of checks to financial institutions.Apple FCU would like to offer a possible solution to replace the funds that were withdrawn from ** [redacted] 's accountWe could give [redacted] an interest free loan with a repayment period of two yearsThe monthly loan payment would be approximately $and we would refund the money to ** [redacted] 's account right away.If [redacted] or ** [redacted] would like to proceed with the loan, they should contact me directly at ###-###-#### or ***@applefou.org.Sincerely,Sydney W

[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: Regards, [redacted] I still feel that the shared branching fees are wrong and I would like for apple credit union to reconsider these fees for their members as this is wrong I would like apple credit union to offer me free shared branching transactions regardless of the types of accounts I hold as I am trying to save money in my account but not give it to apple federal credit union They are making money hand over fist with these fees and if this cannot be done I will take matters further Thanks, [redacted]

[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: Regards, [redacted] Shared Branching institutions do not charge apple credit union for making shared branch deposits as this is apple federal credit unions decision to charge these fees After talking to several credit unions in my area, they have never heard of any fees or not suppose to charge any fees for shared branching and if they are then they are doing this illegally I am still not happy with the decision because as a member of apple federal credit union I feel that I or anyone else should not be charged a shared branching fee Apple federal credit union should not be a part of the shared branching network If they charge charge members for making deposits at a shared branching institution then it is illegal and morally wrongThanks, [redacted]

March 28, 2018Apple FCU apologizes for this delayed response to [redacted] ’s complaint from January 29, We had been in direct contact with [redacted] to resolve the issue and neglected to notify the Revdex.com and respond to the complaint, [redacted] is a valued member of Apple FCU and her accounts are in good standingWhen [redacted] was re-enrolled in the overdraft privilege last year, it was done incorrectly which caused the problem in she experienced the January complaint.Upon receipt of the complaint, I had someone review the overdraft program on the account and the error was found and rectified.I contacted [redacted] in early February and let her know that we fixed her account and had refunded the feeI also sent her a letter that she could share with the other merchant involved in the transaction that this was an Apple FCU error.We sincerely apologize for the inconvenience that [redacted] experiencedShe is more than welcome to contact me directly at any time.Sincerely,Sydney W.Vice President, Service Delivery

Thank you for the opportunity to respond to this complaint We have researched the issue and found that [redacted] did submit a settlement payment with [redacted] last May For some reason, our records were not updated and therefore did not reflect accurate information regarding the loan We have corrected our systems and will show that the loan was settled in May and that there is not further balance on the loan We apologize for any concerns or inconvenience this has caused [redacted] .Regards,Sydney W [redacted] @applefcu.org

In response this complaint, we have researched the issues Although our records show a gap in auto insurance coverage that resulted in the legitimate CPI insurance placement, we have reimbursed excess interest paid to the loan in the amount of $ We have also refunded fees in the amount of $as explained belowWe would like to provide information on why CPI was placed on the loan: The complaint states that insurance with [redacted] insurance was “reinstated” on 09/25/however on 10/13/Apple FCU received a policy cancellation notice from *** Apple FCU sent [redacted] a letter on 10/31/to advise her that we had received this cancellation notice and that we needed proof of insurance We did not receive a response from [redacted] On 11/28/2016, Apple FCU received another insurance cancellation notice from *** Apple sent another letter to [redacted] on 11/28/notifying her that [redacted] had sent Apple a cancellation notice and that we needed proof of insurance We did not receive a response In December when Apple still did not have proof of insurance on the loan, CPI ($1,459.00) was placed on the loan (12/21/2016.) Apple received proof of insurance in January and refunded the CPI insurance on 1/9/ We consider the placement of CPI on the loan for a period of days to be accurate since our records from [redacted] indicate insurance on the loan had been cancelled However, as a courtesy, we have refunded the total additional interest paid in the amount of $ In researching the complaint, we found that Apple had mistakenly increased the loan payment amount from $to $on 2/13/ This was corrected on 3/30/when [redacted] brought this to our attention We sincerely apologize for this error and have taken steps to prevent it from happening again Although the change in the payment amount did not materially affect the loan or incur any additional interest, as a courtesy for the error, we have processed three fees to the loan in the total amount of $ The complaint states that [redacted] had spoken to Apple on 3/2/and was reassured that the “extra amount” could be removed from the loan and note The complaint states that this never happened and that “it is still factored into my car note and it is looking like I have a larger balance owed than I actually do.” As explained above, the CPI was refunded in full on 1/9/ Attached is a copy of the statement on the loan showing the refund was processed on 1/9/ Please have [redacted] contact me directly if she has any further questions regarding the loanSincerely, Sydney W***###-###-####***@applefcu.org

Dear [redacted] , We are sorry to hear that this issue has not been resolved for Ms Parker as we have been responding to these concerns since January At that time, we received a letter from [redacted] complaining about Loan Shield fees (premiums in the amount of $268.91) on her Apple auto loan #as well as [redacted] that was force placed on her loan in the amount of $2,because Apple FCU had not received the required proof of insurance on the loan Jonathan G [redacted] from Apple called [redacted] in January and reviewed her account history with her over the phone and let her know that the Loan Shield premiums were fully refunded to her loan on May 7, He also explained that once Apple FCU received proof of auto insurance from ***, we refunded $to the loan on May 12, retaining $ for the time period that her policy lapsed from October 3, to November 1, MrG [redacted] also explained to [redacted] why Apple FCU could not re-open her [redacted] credit card On February 2, Apple FCU sent a letter to [redacted] recapping all of the above On February 17, Apple FCU received another letter from Ms Parker stating that she was writing for the fourth time regarding these issues According to our records, this was the second letter This letter restated the same issues that were in the addressed by MrG [redacted] over the phone and by letter on February 2nd Apple FCU tried to reach [redacted] by phone on February 25, and left [redacted] a voicemail message When we did not hear back from her, Apple FCU responded in writing on March 2nd, sending copies of her account statements and explaining the following: 1) As stated (in the previous letter), the Loan Shield premiums on loan #ceased being charged your account effective February of All prior premiums that were charged on loan #from 8/31/to 1/31/which amounted to $were credit back as a courtesy to your loan #on your loan #on 5/7/(highlighted in yellow on the statement) 2) On January 1/8/2014, $2,was added to your loan #for [redacted] Insurance Your personal policy had lapsed which required us to add this auto insurance to our loan Once we received notice that you had your own personal insurance policy, we credited your loan #back for $2,on 5/12/(highlighted in yellow on the statement.) 3) The charge you see on your auto loan on 11/26/for $was [redacted] Insurance that was purchased to cover your auto loan for the time period your personal policy lapsed (10/3/– 11/1/2014) (highlighted in yellow on the statement.) 4) As far as your [redacted] credit card being declined, we have included a copy of the adverse action form that was sent to you at the time your request was denied This form states the reasons your application was denied The Revdex.com Complaint states a disputed amount of $1, I have reviewed [redacted] ’s account and only see that all the Loan Shield Premiums and [redacted] insurance was fully refunded [redacted] ’s auto payment which had been increased to cover the [redacted] insurance After the $2,refund, Apple recalculated the loan and reduced the payment to its original amount If [redacted] would like to provide additional information, we would be happy to research this matter further My direct contact information is included below if [redacted] would like to contact me Regards, Sydney W***

Dear [redacted] , We are sorry to hear that this issue has not been resolved for Ms Parker as we have been responding to these concerns since January At that time, we received a letter from [redacted] complaining about Loan Shield fees (premiums in the amount of $268.91) on her Apple auto loan #as well as [redacted] that was force placed on her loan in the amount of $2,because Apple FCU had not received the required proof of insurance on the loan Jonathan G [redacted] from Apple called [redacted] in January and reviewed her account history with her over the phone and let her know that the Loan Shield premiums were fully refunded to her loan on May 7, He also explained that once Apple FCU received proof of auto insurance from ***, we refunded $to the loan on May 12, retaining $ for the time period that her policy lapsed from October 3, to November 1, MrG [redacted] also explained to [redacted] why Apple FCU could not re-open her [redacted] credit card On February 2, Apple FCU sent a letter to [redacted] recapping all of the above On February 17, Apple FCU received another letter from Ms Parker stating that she was writing for the fourth time regarding these issues According to our records, this was the second letter This letter restated the same issues that were in the addressed by MrG [redacted] over the phone and by letter on February 2nd Apple FCU tried to reach [redacted] by phone on February 25, and left [redacted] a voicemail message When we did not hear back from her, Apple FCU responded in writing on March 2nd, sending copies of her account statements and explaining the following: 1) As stated (in the previous letter), the Loan Shield premiums on loan #ceased being charged your account effective February of All prior premiums that were charged on loan #from 8/31/to 1/31/which amounted to $were credit back as a courtesy to your loan #on your loan #on 5/7/(highlighted in yellow on the statement)2) On January 1/8/2014, $2,was added to your loan #for [redacted] Insurance Your personal policy had lapsed which required us to add this auto insurance to our loan Once we received notice that you had your own personal insurance policy, we credited your loan #back for $2,on 5/12/(highlighted in yellow on the statement.) 3) The charge you see on your auto loan on 11/26/for $was [redacted] Insurance that was purchased to cover your auto loan for the time period your personal policy lapsed (10/3/– 11/1/2014) (highlighted in yellow on the statement.) 4) As far as your [redacted] credit card being declined, we have included a copy of the adverse action form that was sent to you at the time your request was denied This form states the reasons your application was denied The Revdex.com Complaint states a disputed amount of $1, I have reviewed [redacted] ’s account and only see that all the Loan Shield Premiums and [redacted] insurance was fully refunded [redacted] ’s auto payment which had been increased to cover the [redacted] insurance After the $2,refund, Apple recalculated the loan and reduced the payment to its original amount If [redacted] would like to provide additional information, we would be happy to research this matter further My direct contact information is included below if [redacted] would like to contact me Regards, Sydney W***

[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: Regards, [redacted] Shared Branching institutions do not charge apple credit union for making shared branch deposits as this is apple federal credit unions decision to charge these fees After talking to several credit unions in my area, they have never heard of any fees or not suppose to charge any fees for shared branching and if they are then they are doing this illegally I am still not happy with the decision because as a member of apple federal credit union I feel that I or anyone else should not be charged a shared branching fee Apple federal credit union should not be a part of the shared branching network If they charge charge members for making deposits at a shared branching institution then it is illegal and morally wrong.Thanks, [redacted]

Subject: Complaint ID # [redacted] To: " [redacted] @myRevdex.com.org" < [redacted] @myRevdex.com.org>Good afternoon [redacted] , I am writing on behalf of MsW [redacted] to let you know that we spoke with [redacted] and confirmed receipt of the titleWe will be sending a letter of apology to [redacted] along with a check for $ for the title release cost that DMV charged him [redacted] was appreciative of the call, and is now looking forward to our correspondenceThank you for bringing this up to our attention, and once again, our apologies on the delay in getting back to youHave a good day, Marco AAssociate Vice President of Branch StrategyApple Federal Credit Union

Dear [redacted] , RE: Complaint # [redacted] We have received the complaint from [redacted] regarding the wrongful repossession of her vehicle by Apple FCU and below is our response Apple FCU received an impound notice on 9/15/from the District of Columbia stating that the member’s vehicle had been impounded on 9/4/and fees owed were $ Apple FCU paid the impound fees and the vehicle was released to our agent on 9/25/ At the time, the member’s auto loan was days past due, with a date of last payment of 7/6/ [redacted] had broken two promise-to-pay arrangement on 7/20/and 8/28/telling us she was unemployed and couldn’t make full paymentsThe member had promised another payment on 9/5/2015, and we had agreed to work with her Unfortunately she did not make a payment nor did she contact us Apple FCU was not required to send the member an “intent to repossess” notification, since the vehicle was not in her possession as it had been picked up from the DC impound lotA copy of the notice is heretofore attachedAlso, Apple FCU sent the required redemption notice to the member giving her the required time period to redeem the vehicleAttached is a copy of that notice It is Apple FCU’s position that this repossession, while unfortunate, was not wrongfully executed Apple FCU has a fiduciary duty to our membership to take actions necessary to protect the assets of the entire membership by not incurring unnecessary losses Regards, Sydney W***

July 29, 2015We are very sorry for the difficulty that [redacted] and [redacted] are going through due to what appears to be an internet scam/crimeApple would like to help as much as we canSince the [redacted] are the victims of this crime, they have the legal standing to report the event to law enforcementIf the legal authorities will conduct an investigation, Apple FCU will provide any and all information we can to help with thatOur security officer would be happy to talk to the [redacted] about his experience with these types of crimes and investigationsWe realize the likelihood of finding the perpetrator(s) is very slimUnfortunately, Apple does not have the legal status to investigate crimesAccording to Apple FCU's records, [redacted] was added as a joint member to [redacted] 's Apple FCU savings and checking accounts at our Woodbridge branch on October 2, 2013, Apple FCU staff is required to verify the identity of the joining memberAttached is the “Addition of Joint Ownership” form that includes [redacted] 's Virginia Driver's license number as well as his signature(We have blacked out the social security number and birthdate)If this signature is not that of ** [redacted] , he should contact us as soon as possibleThe signed form states “I/We acknowledge receipt of a copy of the Agreements and Disclosures applicable to the accounts and services requested herein.” The disclosure brochure was given to the [redacted] on October 2"I will mail a copy of this disclosure to Mr [redacted] The “right of offset" information can be found in this brochure under “Right to Repayment of Indebtedness.” The brochure also provides our check hold policy under “Your Ability to Withdraw Funds.” Apple FCU doesn't research checks unless we are asked to release funds early, it appears to be a possible counterfeit, or the member makes Apple aware that they are unsure of the source of the fundsUnfortunately this check did not appear to be counterfeit and we did not know the source of the checkWe placed a two day hold on the check and unfortunately it was returned to Apple as counterfeit five days laterThe Uniform Commercial Code information can be found online on many websitesCornell University has one site at https://www.law.cornell.edu/ucc/4/Article covers the presentment of checks to financial institutions.Apple FCU would like to offer a possible solution to replace the funds that were withdrawn from ** [redacted] 's accountWe could give [redacted] an interest free loan with a repayment period of two yearsThe monthly loan payment would be approximately $and we would refund the money to ** [redacted] 's account right awayIf [redacted] or ** [redacted] would like to proceed with the loan, they should contact me directly at ###-###-#### or ***@applefou.orgSincerely, Sydney W