Apple Federal Credit Union

Dear [redacted],
We are very sorry to
hear about [redacted]’s father’s illness and understand that would delay her
response.  We would like to reply to Ms.
Parker's rejection of our response and hope that this will clear up some of the
confusion.
[redacted] states that
Apple FCU did not remove the [redacted] insurance from her loans when she
requested it to be removed.  We received
a written request to remove [redacted] on February 20, 2014 – see the attached
request. [redacted] was removed upon
receipt of this letter.  I reviewed [redacted]’s January 2014 statement
where it shows her [redacted] premiums of $58.73 on Loan 1 and $8.33 on Loan 2.
  I also reviewed her February 2014 statement and it shows also NO
[redacted] premiums for Loan 1 or Loan 2. I also reviewed all of [redacted]’s 2014
statements and confirmed that [redacted] premiums were not charged to her loans
after January.   Since Apple FCU
followed [redacted]'s request regarding the [redacted] removal in February
2014, there is no refund of interest due. 
Due to privacy issues, I cannot attach statement copies.  However, if [redacted] would like copies of
these statements she may contact me directly at the phone number below.
When [redacted]'s
complaint about her experience in the branch came to my attention, I was very
upset to hear how she had been addressed by our employee.  Though not obligated to do so, as a courtesy,
I refunded 6 months of [redacted] premiums to her in the amount of $268.91.  
I am very sorry about
how [redacted] felt when she was in the branch and sincerely apologize again for
this.  It was unacceptable behavior on the part of an Apple FCU
employee.  We addressed that employee's
conduct according to our personnel policies. Today that employee is no longer
employed at Apple FCU.  [redacted] is correct that our branch lobby is
fairly small.  The teller stations are in the back of the branch behind
the lobby.  The next member in line was approximately 7 feet away from Ms.
Parker.  It did not appear that they overheard the conversation however we
cannot be 100% sure.  The behavior of the employee was unacceptable and
was addressed accordingly.
Sincerely,
Sydney W[redacted]
###-###-####

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 $8.39.  We have also refunded fees in...

the amount of $60.00 as explained below. We would like to provide information on why CPI was placed on the loan: The complaint states that insurance with [redacted] insurance was “reinstated” on 09/25/2016 however on 10/13/2016 Apple FCU received a policy cancellation notice from [redacted].  Apple FCU sent [redacted] a letter on 10/31/2016 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 [redacted].  Apple sent another letter to [redacted] on 11/28/2016 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 2016 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 1/9/2017.   We consider the placement of CPI on the loan for a period of 19 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 $8.39.  In researching the complaint, we found that Apple had mistakenly increased the loan payment amount from $362.70 to $398.22 on 2/13/2017.  This was corrected on 3/30/2017 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 $60.00.   The complaint states that [redacted] had spoken to Apple on 3/2/2017 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 1/9/2017.  Attached is a copy of the statement on the loan showing the refund was processed on 1/9/2017.   Please have [redacted] contact me directly if she has any further questions regarding the loan. Sincerely, Sydney W[redacted]###-###-####[redacted]@applefcu.org

[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,
[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]

We are very sorry for the trouble and inconvenience that [redacted] endured due the fraudulent charges on her Apple [redacted] Debit card.  All charges were reimbursed to [redacted]' checking account today.  Apple has ordered a new chip debit card to be delivered by Wednesday, June 1.  We...

have been in contact with [redacted] today to give her an update on her account.Again, we are very sorry for all the stress endured.  We will continue to work on enhancing our fraud detection.  Adding the debit chip card is one way that Apple is doing this.  Keep in mind that chip cards will not prevent all fraud, particularly online transactions or merchants that are established to accept chip cards.  Our members are protected from any loss due to fraudulent transactions as long as they are reported within 60 days.Sincerely,Sydney W[redacted]

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 2015.  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 #1 as well as [redacted] that was force placed on her
loan in the amount of $2,776.00 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, 2014. 
He also explained that once Apple FCU received proof of auto insurance
from [redacted], we refunded $2313.00 to the loan on May 12, 2014 retaining $194.00
for the time period that her policy lapsed from October 3, 2014 to November 1,
2014.  Mr. G[redacted] also explained to [redacted] why Apple FCU could not re-open her [redacted] credit card.  On February 2, 2015 Apple FCU sent a letter
to [redacted] recapping all of the above.
On February 17, 2015 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 Mr. G[redacted] over the phone
and by letter on February 2nd. 
Apple FCU tried to reach [redacted] by phone on February 25, 2015 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 #1 ceased being
charged your account effective February of 2014.  All prior premiums that were charged on loan
#1 from 8/31/2013 to 1/31/2014 which amounted to $268.91 were credit back as a
courtesy to your loan #1 on your loan #1 on 5/7/2014 (highlighted in yellow on
the statement).
 
2)    On
January 1/8/2014, $2,776.00 was added to your loan #1 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 #1 back for $2,313.00 on
5/12/2014 (highlighted in yellow on the statement.)
 
3)    The
charge you see on your auto loan on 11/26/2014 for $194.00 was [redacted] Insurance
that was purchased to cover your auto loan for the time period your personal
policy lapsed (10/3/2014 – 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 $1,200.00.  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 $2,313.00 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[redacted]

From: [redacted] <[redacted]@[redacted].com>Date: Sun, Jan 31, 2016 at 1:10 AMSubject: Complaint #: [redacted]To: [email protected] Whom It May Concern,It has taken me a while to respond to the last reply from Apple Federal Credit Union, because I am still dissatisfied with them. I am not certain that I will ever be satisfied with this organization. I am not certain why Mrs. Webb made the statement that Apple Federal Credit Union was not obligated to credit my car note account, but did anyway. I say this, because I have never known a financial institution to refund any money if it really was not owed. After all, they are in the business of making, not giving money. However, I do appreciate what she did, wholeheartedly.  I do not, however, appreciate the condescending statement that they did not have to do it.  Furthermore, I am not certain that I will ever be satisfied with Apple Federal Credit Union after my disturbing encounter as mentioned many times. I do want to mention the fact that an account with Apple Federal Credit Union is sold to new teachers who are entering Fairfax County Public Schools System for the first time, as one of our benefits. I feel that if FCPS found out about how I have been treated by Apple Federal Credit Union (AppleFCU), then this will never happen to anyone else. I will be more than happy to contact every school board member personally, giving them a copy of my letters and all of my complaints, outlining my concerns with the disrespectful treatment that I have received by AppleFCU employees, and that way I can be certain that no one else will have to endure what I have by these people. I understand that the lady no longer works at this branch, but she was not fired, I’m sure. She got to leave on her own. She probably got a promotion or a transfer to another branch. I have already been told that I am not privileged to know what discipline she received, which means that she only received a letter in her file, which really means nothing. Had I been a [redacted] woman, a complaint would have been expected and therefore, she would have been fired immediately. We all know that and I am just tired of the discrimination that I have been subjected to. This was such a traumatic experience for me, in which my stomach turns every time I just think of having to go into this place.  Yet, Sidney W[redacted] and her colleagues just expect me to get over it, as if this is a normal part of life. Well, it is not normal for me and I do not deserve, nor expect to be treated in this type of manner ever again.  I am also still thoroughly disgusted by the fact that regardless of my attempt at explaining my income loss during the summer months, they refused to work with me with regard to my credit card account. My other credit card companies worked with me and did not close my accounts, so why did AppleFCU not work with me on this? They worked with me regarding my car note and my line of credit, but why not the credit card? This makes no sense to me. They just closed the credit card and put it on my credit report as “closed by the guarantor”, which is very bad. It reflects quite negatively on my credit report and I am furious about it. This makes me appear to be irresponsible, when I was just temporarily unemployed. How can I pay with no income? I cannot force FCPS to choose me instead of their buddies to teach summer school, so that I will have an income during these months. Also, I cannot help it if people in this area will not hire me for jobs outside of education, because they feel that I am overqualified and they are intimidated by my educational attainment. Every year, beginning in January – for the past five years – I begin looking for summer employment, but no one will hire me. In addition to having 10 years of teaching (science) experience,  I have 15 years of healthcare experience and with all of these hospitals and medical facilities here  I cannot get a job? There are thousands of jobs available in the summer time, yet, these people here will rather not fill the position, than give someone a chance to work temporarily (even the ones listed as temporary/summer jobs). I explained all of this to the people within this institution and they keep telling me to enroll in their summer fund program. However, I think that I would have joined five years ago, if that was economically feasible for me. I have 10 year old twins, for whom I have to provide childcare for, which hinders my ability to put money into their summer fund. I have also explained this to them and they could care less, because my answer is not profitable for them.  This situation is so very disappointing because I actually found AppleFCU, not only as one of my employment benefits, but as one of [redacted]’s approved financial institutions. I’m sure that she will be interested in finding out how people trying to follow her financial advice are being treated by these financial institutions that benefit from her referrals. I just do not believe that I have only been taken seriously upon filing a public complaint. I should not have even had to take time away from my job, family and leisure activities, to complain about something that these people know is totally inappropriate. Then, the culprits try to make it seem as if they are doing me a “favor” by returning my money. This is absurd! This is my last response to anything that Mrs. W[redacted] or anyone else from AppleFCU states, because it is so offensive that they have totally discounted my feelings and tried to lie about it and say that no other customers heard that lady yelling my personal information throughout that lobby. This was very traumatic for me (as stated earlier). Also, every time I go to the drive through teller window to withdraw money from MY account, the tellers have to go “ask” someone if I can have my own money. Bank of America has NEVER EVER treated me in such a disgusting manner. These people no longer deserve my business at all. I am in the process of paying that credit card, my car and line of credit off so that I can sever all ties with them. I am also in the process of purchasing a home. I am even more disappointed, because I thought that AppleFCU would be my mortgage providers, however, everything happens for a reason. Most financial institutions do not want to revoke a loan, but I see that this is what they enjoy.  I do not even want to step foot inside that credit union again if I can help it. I cannot say this enough, but, every time I just drive passed Applefcu (which is quite often, because I live on the same street as the credit union) I am reminded of this incident. I will never forget how I was treated and how AppleFCU has been totally insensitive to what happened to me (one sentence they pretend to apologize, but then say something condescending in the next). I believe that [redacted] County Schools and [redacted]s team will benefit from having this information and my next step is to inform them immediately. I am just tired.Sincerely,[redacted]

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/crime. Apple would like to help as much as we can. Since the [redacted] are the victims of this crime, they have the legal standing to report the event to law enforcement. If the legal authorities will conduct an investigation, Apple FCU will provide any and all information we can to help with that. Our security officer would be happy to talk to the [redacted] about his experience with these types of crimes and investigations. We realize the likelihood of finding the perpetrator(s) is very slim. Unfortunately, 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 member. Attached 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 funds. Unfortunately this check did not appear to be counterfeit and we did not know the source of the check. We 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 websites. Cornell University has one site at https://www.law.cornell.edu/ucc/4/. Article 4 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 account. We could give [redacted] an interest free loan with a repayment period of two years. The monthly loan payment would be approximately $196 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 [redacted]@applefou.org.
Sincerely,
Sydney W

From: Sydney W[redacted] Date: Tue, Dec 8, 2015 at 10:54 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, 2015 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 can. Regards,Sydney W[redacted] Sydney W[redacted]Vice President, Service DeliveryApple Federal Credit UnionImproving lives.  Fulfilling dreams.

August 24, 2017Apple FCU Response to:[redacted] Dr.Capitol Heights, MD 20743Apple FCU is very sorry that Ms. [redacted] had a negative experience at our Mt. Vernon Branch on June 1.  The overdraft privilege (ODP) is removed from an account if the balance has been negative for 30 days....

 The balance on Ms. [redacted]’s account was negative since May 2.  At 2:00 am on June 1, the system automatically removed the overdraft privilege from the checking account.  Once a deposit has been made, ODP may be reinstated but it depends on how an account has been handled.  As a “privilege”, Apple is not obligated to provide ODP on all accounts.We are sincerely sorry that the branch manager was not able to assist Ms. [redacted] in her request to re-instate the overdraft privilege that day.   Since Ms. [redacted]’s visit to the branch, we have conducted more manager training so that they better understand how to handle our members with overdraft privilege.   Again, we apologize for the experience that Ms. [redacted] had at our branch and have taken steps to improve the service our members receive.Sincerely,Sydney W

[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 as Answered]
 Complaint: [redacted]
I am rejecting this response because: Apple Federal Credit Union cancelled my recurring payments twice without my permission or timely notification. Yes they contacted me but only after my account was past due. Apple FCU's automated payment system tried to double charge me twice and I told my bank to deny one and accept the other. I contacted [redacted] Federal Credit Union (My main bank) and was told how they sent the information to AFCU and it did not say what AFCU stated which supposedly gave them grounds to cancel my recurring payments. The payments were initially set up from AFCU from the beginning because they failed to take into account the 2 or 3 months that contained 3 billing cycles instead of 2 which gradually made me fall behind as well and they failed to make the necessary adjustments even after I submitted countless forms requesting that the adjust the recurring payments to meet every bill period. Please contact [redacted] Federal Credit Union for accurate information on what was sent to AFCU.
Regards,
[redacted]

I was mistaken to state earlier that we had given [redacted] an Affidavit of Forgery.  She is correct that we had given her an Affidavit for Fraud on her account.  According to my research, we have received an affidavit claiming debit card fraud for $36.45 and have given [redacted] a provisional credit on her account for that amount.  On April 10, 2017 Apple FCU sent [redacted] a letter explaining why the funds were removed from her account.  We enclosed copies of the membership applications showing that [redacted] was a joint on her account.  We have offered to investigate the forgery claim to resolve this, however, we have on file copies of statements since 2015 when the account was opened showing that the account is joint with [redacted] D [redacted] on all share account.  We advised [redacted] in this letter that if she wants to claim forgery on these documents to please send a statement of what occurred with her notarized signature and we will investigate the claim.  This should be sent to Jennifer P[redacted], VP of Organizational Communication at PO Box [redacted], Fairfax, VA [redacted].  She can also contact Ms. P[redacted] by phone or email at ###-###-#### or [redacted]@applefcu.org.Our investigation showed that Apple FCU was within its right to take the $4,200 payment.  We had also taken a larger payment of $8,367.78 but after speaking to **. and [redacted], our Collections department agreed to return the $8,367.78 to assist the members. Sincerely,Sydney W[redacted]

From: [redacted] <[redacted]>Date: Fri, Jan 26, 2018 at 5:18 PMSubject: Complaint #[redacted]To: [redacted]Thank you guys for your help,  they went ahead and took care of it!

From: [redacted] <[redacted].com>Date: Tue, Feb 2, 2016 at 6:35 AMSubject: [redacted] case numberTo: "[email protected]" <[email protected]>you may throw this out. the business resolved my issue and did what I asked them to do. so all is good. thank you, [redacted]...

[redacted]
[redacted].com

Subject: Complaint ID #[redacted]To: "[redacted]@myRevdex.com.org" <[redacted]@myRevdex.com.org>Good afternoon [redacted], I am writing on behalf of Ms. W[redacted] to let you know that we spoke with [redacted] and confirmed receipt of the title. We will be sending a letter of apology to [redacted] along with a check for $10...

for the title release cost that DMV charged him. [redacted] was appreciative of the call, and is now looking forward to our correspondence. Thank you for bringing this up to our attention, and once again, our apologies on the delay in getting back to you. Have a good day, Marco AAssociate Vice President of Branch StrategyApple Federal Credit Union

[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:
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 may need more
information from [redacted] to accurately respond to this complaint.  The Complaint Background states that the
problem occurred on 12/11/2011.  We did
not find any withdrawals by Apple FCU from **. [redacted]’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,
2014.  On that day Apple FCU transferred $306.40
from **. [redacted]’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 $50.50 that had been made on December 13,
2013.  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]

We are sorry that [redacted]er is unhappy about the fee Apple
Federal Credit Union charges for some shared branch banking transactions.  He is correct that many credit unions do not
charge fees for this service.  However,
it is up to the discretion of the home credit union.  Upon receiving this complaint, we reviewed
our contract with the Co-Op Shared Branch network.  While the terms of our contract are
confidential, Section 8.0 of “Service Centers Corporation – National and
Regional Shared Branch Network Policies and Procedures” outlines the many fees
that credit unions are charged for each transaction members conduct at a shared
branch location.
If [redacted]er is still concerned about the legality of these
fees, he may want to contact the Virginia Service Center Network directly.  Their website is [redacted].  He could also contact Paula B[redacted], Vice
President of Network Operations directly at [redacted].
We are genuinely sorry that [redacted]er is unhappy with the
shared branch fees and feel badly that he may have joined our credit union
believing that we offered completely free shared branch banking. 
Sincerely,
[redacted]

Our records show that [redacted] and [redacted] opened a joint checking and saving accounts with Apple FCU in July 2015.  [redacted] visited one of our branches on March 31, 2017 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 signatures. When [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 $4,200 from the joint savings account on March 29. 2017 and applied it to a past due Visa account.  Our research shows that we were within our rights to take the $4,200 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, 2017 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[redacted]Vice President, Service Delivery

July 14, 2015To: Revdex.com, [redacted]Re: ID [redacted] opened a joint account with his then minor daughter, [redacted], in 2013.  At that time, all disclosures were provided and signed.  The disclosures included information about the right to offset any account...

that either member holds which cause a loss to Apple FCU.   To prevent losses from counterfeit checks, Apple places holds on large deposits in case of returned checks.  However, 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.  Apple FCU tries to protect our members from fraudsters and crooks to every degree that we can.  This includes providing detailed information on our website about the various types of scams and by verifying the identity of members when transacting on their accounts.  Unfortunately, we cannot prevent every member from falling victim to fraud.  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.We recognize that [redacted] may not remember signing the disclosures given to him at the time of account opening.  The $2,353.51 can be refunded to his account if those funds are reimbursed to Apple by [redacted] or another source.  No financial institution can absorb the losses of this type of criminal activity, nor does the law require them to.  We regret that the [redacted] have suffered a loss to these criminals and understand the distress this has caused them.  We will fully assist any law enforcement agency in this matter and [redacted] and his daughter should take all of their documentary evidence to their assigned detective so they can develop leads which, hopefully, will trace to an address inside our country.  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 [redacted] location outside of the United States of America.  Sincerely,Sydney W[redacted]###-###-####

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 9/15/2015 from the District of Columbia
stating that the member’s vehicle had been impounded on 9/4/2015 and fees owed
were $570.00.  Apple FCU paid the impound
fees and the vehicle was released to our agent on 9/25/2105.  At the time,
the member’s auto loan was 71 days past due, with a date of last payment of
7/6/2015.   [redacted] had broken two promise-to-pay
arrangement on 7/20/2015 and 8/28/2015 telling us she was unemployed and
couldn’t make full payments. The 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 lot. A copy of the notice is
heretofore attached. Also, Apple FCU sent the required redemption notice to the
member giving her the required time period to redeem the vehicle. Attached 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[redacted]