Arsenal Credit Union

Initial Business Response /* (1000, 10, 2016/03/01) */
I am writing in reference to case #XXXXXXXWe removed Mr*** from our mail lists in December after he contacted the credit unionThe mail that he is referencing is from one of our business partnersWhen removing a member from a
mail list with one of our business partners, it might take several weeks depending on the stage of the mailing (i.eis it already at the mail house, etc.)This matter has been taken care of, so moving forward he should not be receiving any mail from us or our business partners
Thank you,
*** ***

Initial Business Response /* (1000, 7, 2015/06/30) */
The $40 was an unposted credit or refund on his debit card that was long ago posted to his account. The reason that the credit or positive hold (which increased his "available" balance by $40) wasn't released long ago is that the merchant that...

sent through the credit did not use the same authorization # to clear the item. The system could not match it up and it remained on the account. The $40 was not in Mr. [redacted]'s account, therefore we could not give him something he didn't have. Once the authorization was removed, he received the positive balance on his account and was allowed to withdraw all funds he was entitled to - which equaled $53.64 on 6/13/15.

Please accept our sincere apology for the inconvenience you have experienced relating to your auto loan.At Arsenal Credit Union, we take pride in ensuring our members' satisfaction.  Upon review of the situation, we narrowed the following misunderstanding problem, there was a discrepancy...

between the monthly payment being $371.74 or $367.58 as stated by the agent.  The monthly installment for this loan is $371.74 for 72 months, as agreed per the contradct dated 05/02/2015.  The reason why the agent was only asking for $367.58 to satisfy the payment is because Ms. [redacted] has been paying a regular payment of $372.00 monthly.  With the additional $0.26 going to a "pre-payment" bucket (this allows the member to pay ahead).  Over the course of time, the member had $4.16 built up in this bucket that could be applied to an "upcoming" loan payment.  Mr. [redacted] was more than welcomed to pay her standard $372.00 or $371.74 to satisfy the loan payment.  However, the agent was offering to apply that outstanding credit to only make the payment of $367.58 for this month.Also, Ms. [redacted] asked to speak to [redacted], who was preoccupied at the moment of the phone call.  [redacted] has tried contacting Ms. [redacted] with the phone number provided, however was never successful at leaving a message (unable via the phone number provided).We deeply value your relationship with Arsenal Credit Union and are committed to providing you with the highest level of service.  If you have any further questions or comments regarding this matter, please fell free to contact us at [redacted].

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

To:  Dispute Resolution Department This is the response to ID: [redacted]’s complaint involving insurance on a financed vehicle.  When Ms. [redacted] signed the loan documents for the automobile loan, she a signed a supplemental provisions document agreeing to have...

comprehensive and collision insurance on the vehicle at all times.  It goes on to state that if insurance is not applied by the owner with these requirements, the credit union will apply the appropriate insurance at the expense of the owner.  I had the opportunity to speak with Ms. [redacted], and she is now carrying full coverage insurance on her vehicle.  Once we established that the insurance is now full coverage, I have waived the previous few months premium as a courtesy for the inadequate insurance.  If you have any questions or concerns, please contact me directly. Thank you,  [redacted]