I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below DEAR CEO; YOU ARE MISS TAKINGIT WAS ALL THE BANKS FAULT.NOT OUR.AND THE CAR PAYMENT WAS ALL WAY IN MY SAVING,WHEN YOUR DEBIT CARD FOR CHECKING WE GOT MADE IT COME OUT OF CHECKING,THAT WERE ALL THE FIRST PROBLEMS STARTED.AND I KNOW FOR A FACT THAT NOT MATTER WERE THE FUND ARE YOU TAKE THE CAR PAYMENT.THE MONEY WAS ALL THERE FROM [redacted] EARLY.AND I TOLD YOU VP THAT IT WAS A COMPUTER PROBLEM AND YOUR SYSTEM MESS IT ALL UP NOT MY MONEY THE ALL WAY THERE EVERY TIME.THE NEXT PROBLEM WAS YOUR BANK FAULT TOO AGAIN,BY NOT INFORMING [redacted] YOUR CHANGE OF ADDRESS AND OUR MONEY SAT THERE FOR TWO MONTH,WITH NO CALL FORM THE BANK,NO ONE EVEN BROTHER TO TELL US THERE WAS A PROBLEM WITH GETTING THE CAR PAYMENT.THIS VERY UNACCEPTABLY TO US,BECAUSE ONE MORE MISS CAR PAYMENT AND THE BANK WOULD HAVE REPOSSESSED THIS [redacted] CAR FROM USALSO TO LET YOU KNOW, WE SEND ALL THE PRINT OUTS,ECT TO [redacted] TOO LOOK IN TO HOW YOU(THE BANK APPLIED THE MONEY TO THIS CAR PAYMENT)AND IT WAS NOT APPLIED RIGHTALL THIS PAPER WORK IS NOW BEING FORWARD TO THE NEW YORK STATE ATTORNEY GENERAL OFFICETHE REASON WE ARE DOING THIS IS BECAUSE WE FEEL THAT THIS CAR PAYMENT WAS NOT APPLIED RIGHT FROM THE BEGINNINGTHE BARROWING MONEY WAS THE PRINCIBLE $14,AND WHEN YOU TAKE FOR EXAMPLE $AND TAKE WAY THIS MONEY FROM THE PRINCIBLE YOU GET $13,AND SO FOURTHWE KNOW [redacted] TOLD THE BANK HOW AND WERE TO APPLY OUR MONEY TO THE CAR PAYMENT.SO MY WIFE AND I HAD TO TAKE MONEY FROM A IRA HER MOM GAVE US TO USE WHEN WE NEED TO USE IT AND SO WE GOT THIS MONEY THAT YOU THE BANK MADE US TAKE FOR A RAINY DAY AND GIVE TO YOUR BANK AND PAY OFF THIS CAR LOAN OFF EARLY, AND WE MEAN ONE YEAR AND ONE HALF EARLYDO YOU THINK THAT FAIR.!!!WE FIGURE AS A CEO,YOU WOULD HAVE DONE A LOT BETTER JOB THEN THIS TO DIG DEEP INTO THIS MATTER FOR US,BECAUSE YOU RUN THIS COMPANT AND THAT WHY CEO'S GO UNDER COVER TO SEE WHAT IS REALTY GOING ON WITH THERE OWN COMPANY,WE ARE SO VERY DISAPPOINTED WITH THIS MATTER.YOUR COMPANY NAME WAS ON THIS SIGN CONTRACT TOO,NOT JUST OURSWE KNOW THE BANK HAS SOME OBLIGATION TO LIVE UP THERE END OF THIS SIGN CONTRACT.!!!!!!!!!!!!!!!! WE CAN NOT PUT THIS MONEY BACKIN TO OUR IRA,THAT WE SHOULD HAVE NEEDED TO TAKE IN THE FIRST PLACE, IF THE BANK WOULD HAVE DONE THERE JOB OR TO LET US KNOW, BUT THE BANK DID NOT AND POINTED THE FINGER ALL AT USTHE NOW HOW IT WORKS, BECAUSE AS IT STATES IN THE CONSTITUTION OF THE USA AND JUSTICE FOR ALL!!!!!!!!!!!!!!!!!!!!!! YOURS TRULY; MR.AND MRS [redacted]
Our system does not allow us to accommodate her desired outcome. Once we close an account on the system, we cannot reopen that same account. We did everything we could to recreate what is that she wanted for her daughter’s account. I will also call her to
apologize. Diane M
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
DEAR CEO; YOU ARE MISS TAKING. IT WAS ALL THE BANKS FAULT.NOT OUR.AND THE CAR PAYMENT WAS ALL WAY IN MY SAVING,WHEN YOUR DEBIT CARD FOR CHECKING WE GOT MADE IT COME OUT OF CHECKING,THAT WERE ALL THE FIRST PROBLEMS STARTED.AND I KNOW FOR A FACT THAT NOT MATTER WERE THE FUND ARE YOU TAKE THE CAR PAYMENT.THE MONEY WAS ALL THERE FROM [redacted] EARLY.AND I TOLD YOU VP THAT IT WAS A COMPUTER PROBLEM AND YOUR SYSTEM MESS IT ALL UP NOT MY MONEY THE ALL WAY THERE EVERY TIME.THE NEXT PROBLEM WAS YOUR BANK FAULT TOO AGAIN,BY NOT INFORMING [redacted] YOUR CHANGE OF ADDRESS AND OUR MONEY SAT THERE FOR TWO MONTH,WITH NO CALL FORM THE BANK,NO ONE EVEN BROTHER TO TELL US THERE WAS A PROBLEM WITH GETTING THE CAR PAYMENT.THIS VERY UNACCEPTABLY TO US,BECAUSE ONE MORE MISS CAR PAYMENT AND THE BANK WOULD HAVE REPOSSESSED THIS [redacted] CAR FROM US. ALSO TO LET YOU KNOW, WE SEND ALL THE PRINT OUTS,ECT TO [redacted] TOO LOOK IN TO HOW YOU(THE BANK APPLIED THE MONEY TO THIS CAR PAYMENT)AND IT WAS NOT APPLIED RIGHT. ALL THIS PAPER WORK IS NOW BEING FORWARD TO THE NEW YORK STATE ATTORNEY GENERAL OFFICE. THE REASON WE ARE DOING THIS IS BECAUSE WE FEEL THAT THIS CAR PAYMENT WAS NOT APPLIED RIGHT FROM THE BEGINNING. THE BARROWING MONEY WAS THE PRINCIBLE $14,201.43 AND WHEN YOU TAKE FOR EXAMPLE $249.50 AND TAKE WAY THIS MONEY FROM THE PRINCIBLE YOU GET $13,960.93 AND SO FOURTH. WE KNOW [redacted] * TOLD THE BANK HOW AND WERE TO APPLY OUR MONEY TO THE CAR PAYMENT.SO MY WIFE AND I HAD TO TAKE MONEY FROM A IRA HER MOM GAVE US TO USE WHEN WE NEED TO USE IT AND SO WE GOT THIS MONEY THAT YOU THE BANK MADE US TAKE FOR A RAINY DAY AND GIVE TO YOUR BANK AND PAY OFF THIS CAR LOAN OFF EARLY, AND WE MEAN ONE YEAR AND ONE HALF EARLY. DO YOU THINK THAT FAIR.!!!WE FIGURE AS A CEO,YOU WOULD HAVE DONE A LOT BETTER JOB THEN THIS TO DIG DEEP INTO THIS MATTER FOR US,BECAUSE YOU RUN THIS COMPANT AND THAT WHY CEO'S GO UNDER COVER TO SEE WHAT IS REALTY GOING ON WITH THERE OWN COMPANY,WE ARE SO VERY DISAPPOINTED WITH THIS MATTER.YOUR COMPANY NAME WAS ON THIS SIGN CONTRACT TOO,NOT JUST OURS. WE KNOW THE BANK HAS SOME OBLIGATION TO LIVE UP THERE END OF THIS SIGN CONTRACT.!!!!!!!!!!!!!!!! WE CAN NOT PUT THIS MONEY BACKIN TO OUR IRA,THAT WE SHOULD HAVE NEEDED TO TAKE IN THE FIRST PLACE, IF THE BANK WOULD HAVE DONE THERE JOB OR TO LET US KNOW, BUT THE BANK DID NOT AND POINTED THE FINGER ALL AT US. THE NOW HOW IT WORKS, BECAUSE AS IT STATES IN THE CONSTITUTION OF THE USA AND JUSTICE FOR ALL!!!!!!!!!!!!!!!!!!!!!! YOURS TRULY; MR.AND MRS. [redacted]
Mr. [redacted], First I would like to apologize for the delay in my response to your Revdex.com inquiry. Our internet security software forwarded your complaint to a junk mail folder and the Revdex.com staff contacted us recently to advise us of your concerns. You indicate...
in your inquiry that you would like me to look into your issue and for me to issue an apology for service that you received. I would like to start with the apology. We take pride in our reputation for providing exceptional service. If you do not feel that you experienced that with your interactions with our staff, I apologize. I did review your account record very thoroughly, including records of all communication with you. Your issue centers around the manner in which payments were made to your loan secured by your 2010 [redacted], originated on 5/14/2011. You requested that payments be made from your savings account whenever they were due. Following is a full account of communication with you regarding this auto loan. The first communication from you regarding an issue was on 6/28/2011 where you indicated that your payment was not being made correctly from your savings account. We determined, and communicated with you that the amount in your savings account did not have sufficient funds to cover the payment due. On 7/6/2013 you advised us that funds sent to us from [redacted] were sent to your checking account when you wanted them to go to your savings account. At that time, we posted a payment to your auto loan from your savings account, effective dated to its due date of June 30th. You contacted our telephone service center on 8/7/2013 indicating that your payment for July had not been made yet. Our staff explained to you that you had asked for payments to come from your savings account on their due date and that no payment was due until 8/31/2013. Your most recent communications started on 1/8/2015. You indicated that your loan payments had not been made. Our staff explained to you that you did not have sufficient funds in your savings account to make your payment. In a subsequent call on 1/8, you insisted that our staff contact [redacted]'s Bank and [redacted] about payments that were supposed to be made to your car loan. As was explained to you in our letter of 1/9/2015 sent to you by Richard S., VP of Lending, our staff obtained several check copies that were mailed to our [redacted] Road address. These checks were personal checks drawn from [redacted]'s Bank payable to "[redacted]." Each of these checks were, in fact paid to your [redacted] account. Our staff contacted [redacted] on 1/8 as you requested. [redacted] confirmed that they sent us checks on two occasions for deposit into your savings account, but that they had not cleared and they were mailed to a PO Box address that closed approximately one year earlier. [redacted] graciously initiated electronic payments for both of these checks. We effective dated both payments to the dates that they would have been paid had there been funds in your savings account. [redacted] indicated that they were never provided a correct mailing address from you. This information was also provided in Mr. S.'s letter of 1/9. Your final two communications were in obtaining a payoff quote for your auto loan. The loan was paid in full on 1/16/2015. Your loan has never incurred a late charge, nor any finance charges beyond what is defined in your loan agreement. Your loan was never more than thirty days delinquent and therefore no derogatory information was ever sent to credit reporting agencies. There was no point where any funds were "sitting on an Advantage computer." As was verified by [redacted], no funds reached us until they initiated electronic transfers. Please feel free to contact us with any additional questions or concerns. Regards, Jeffrey B. President/CEO Advantage Federal Credit Union
I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below DEAR CEO; YOU ARE MISS TAKINGIT WAS ALL THE BANKS FAULT.NOT OUR.AND THE CAR PAYMENT WAS ALL WAY IN MY SAVING,WHEN YOUR DEBIT CARD FOR CHECKING WE GOT MADE IT COME OUT OF CHECKING,THAT WERE ALL THE FIRST PROBLEMS STARTED.AND I KNOW FOR A FACT THAT NOT MATTER WERE THE FUND ARE YOU TAKE THE CAR PAYMENT.THE MONEY WAS ALL THERE FROM [redacted] EARLY.AND I TOLD YOU VP THAT IT WAS A COMPUTER PROBLEM AND YOUR SYSTEM MESS IT ALL UP NOT MY MONEY THE ALL WAY THERE EVERY TIME.THE NEXT PROBLEM WAS YOUR BANK FAULT TOO AGAIN,BY NOT INFORMING [redacted] YOUR CHANGE OF ADDRESS AND OUR MONEY SAT THERE FOR TWO MONTH,WITH NO CALL FORM THE BANK,NO ONE EVEN BROTHER TO TELL US THERE WAS A PROBLEM WITH GETTING THE CAR PAYMENT.THIS VERY UNACCEPTABLY TO US,BECAUSE ONE MORE MISS CAR PAYMENT AND THE BANK WOULD HAVE REPOSSESSED THIS [redacted] CAR FROM USALSO TO LET YOU KNOW, WE SEND ALL THE PRINT OUTS,ECT TO [redacted] TOO LOOK IN TO HOW YOU(THE BANK APPLIED THE MONEY TO THIS CAR PAYMENT)AND IT WAS NOT APPLIED RIGHTALL THIS PAPER WORK IS NOW BEING FORWARD TO THE NEW YORK STATE ATTORNEY GENERAL OFFICETHE REASON WE ARE DOING THIS IS BECAUSE WE FEEL THAT THIS CAR PAYMENT WAS NOT APPLIED RIGHT FROM THE BEGINNINGTHE BARROWING MONEY WAS THE PRINCIBLE $14,AND WHEN YOU TAKE FOR EXAMPLE $AND TAKE WAY THIS MONEY FROM THE PRINCIBLE YOU GET $13,AND SO FOURTHWE KNOW [redacted] TOLD THE BANK HOW AND WERE TO APPLY OUR MONEY TO THE CAR PAYMENT.SO MY WIFE AND I HAD TO TAKE MONEY FROM A IRA HER MOM GAVE US TO USE WHEN WE NEED TO USE IT AND SO WE GOT THIS MONEY THAT YOU THE BANK MADE US TAKE FOR A RAINY DAY AND GIVE TO YOUR BANK AND PAY OFF THIS CAR LOAN OFF EARLY, AND WE MEAN ONE YEAR AND ONE HALF EARLYDO YOU THINK THAT FAIR.!!!WE FIGURE AS A CEO,YOU WOULD HAVE DONE A LOT BETTER JOB THEN THIS TO DIG DEEP INTO THIS MATTER FOR US,BECAUSE YOU RUN THIS COMPANT AND THAT WHY CEO'S GO UNDER COVER TO SEE WHAT IS REALTY GOING ON WITH THERE OWN COMPANY,WE ARE SO VERY DISAPPOINTED WITH THIS MATTER.YOUR COMPANY NAME WAS ON THIS SIGN CONTRACT TOO,NOT JUST OURSWE KNOW THE BANK HAS SOME OBLIGATION TO LIVE UP THERE END OF THIS SIGN CONTRACT.!!!!!!!!!!!!!!!! WE CAN NOT PUT THIS MONEY BACKIN TO OUR IRA,THAT WE SHOULD HAVE NEEDED TO TAKE IN THE FIRST PLACE, IF THE BANK WOULD HAVE DONE THERE JOB OR TO LET US KNOW, BUT THE BANK DID NOT AND POINTED THE FINGER ALL AT USTHE NOW HOW IT WORKS, BECAUSE AS IT STATES IN THE CONSTITUTION OF THE USA AND JUSTICE FOR ALL!!!!!!!!!!!!!!!!!!!!!! YOURS TRULY; MR.AND MRS [redacted]
Our system does not allow us to accommodate her desired outcome. Once we close an account on the system, we cannot reopen that same account. We did everything we could to recreate what is that she wanted for her daughter’s account. I will also call her to
apologize. Diane M
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
DEAR CEO; YOU ARE MISS TAKING. IT WAS ALL THE BANKS FAULT.NOT OUR.AND THE CAR PAYMENT WAS ALL WAY IN MY SAVING,WHEN YOUR DEBIT CARD FOR CHECKING WE GOT MADE IT COME OUT OF CHECKING,THAT WERE ALL THE FIRST PROBLEMS STARTED.AND I KNOW FOR A FACT THAT NOT MATTER WERE THE FUND ARE YOU TAKE THE CAR PAYMENT.THE MONEY WAS ALL THERE FROM [redacted] EARLY.AND I TOLD YOU VP THAT IT WAS A COMPUTER PROBLEM AND YOUR SYSTEM MESS IT ALL UP NOT MY MONEY THE ALL WAY THERE EVERY TIME.THE NEXT PROBLEM WAS YOUR BANK FAULT TOO AGAIN,BY NOT INFORMING [redacted] YOUR CHANGE OF ADDRESS AND OUR MONEY SAT THERE FOR TWO MONTH,WITH NO CALL FORM THE BANK,NO ONE EVEN BROTHER TO TELL US THERE WAS A PROBLEM WITH GETTING THE CAR PAYMENT.THIS VERY UNACCEPTABLY TO US,BECAUSE ONE MORE MISS CAR PAYMENT AND THE BANK WOULD HAVE REPOSSESSED THIS [redacted] CAR FROM US. ALSO TO LET YOU KNOW, WE SEND ALL THE PRINT OUTS,ECT TO [redacted] TOO LOOK IN TO HOW YOU(THE BANK APPLIED THE MONEY TO THIS CAR PAYMENT)AND IT WAS NOT APPLIED RIGHT. ALL THIS PAPER WORK IS NOW BEING FORWARD TO THE NEW YORK STATE ATTORNEY GENERAL OFFICE. THE REASON WE ARE DOING THIS IS BECAUSE WE FEEL THAT THIS CAR PAYMENT WAS NOT APPLIED RIGHT FROM THE BEGINNING. THE BARROWING MONEY WAS THE PRINCIBLE $14,201.43 AND WHEN YOU TAKE FOR EXAMPLE $249.50 AND TAKE WAY THIS MONEY FROM THE PRINCIBLE YOU GET $13,960.93 AND SO FOURTH. WE KNOW [redacted] * TOLD THE BANK HOW AND WERE TO APPLY OUR MONEY TO THE CAR PAYMENT.SO MY WIFE AND I HAD TO TAKE MONEY FROM A IRA HER MOM GAVE US TO USE WHEN WE NEED TO USE IT AND SO WE GOT THIS MONEY THAT YOU THE BANK MADE US TAKE FOR A RAINY DAY AND GIVE TO YOUR BANK AND PAY OFF THIS CAR LOAN OFF EARLY, AND WE MEAN ONE YEAR AND ONE HALF EARLY. DO YOU THINK THAT FAIR.!!!WE FIGURE AS A CEO,YOU WOULD HAVE DONE A LOT BETTER JOB THEN THIS TO DIG DEEP INTO THIS MATTER FOR US,BECAUSE YOU RUN THIS COMPANT AND THAT WHY CEO'S GO UNDER COVER TO SEE WHAT IS REALTY GOING ON WITH THERE OWN COMPANY,WE ARE SO VERY DISAPPOINTED WITH THIS MATTER.YOUR COMPANY NAME WAS ON THIS SIGN CONTRACT TOO,NOT JUST OURS. WE KNOW THE BANK HAS SOME OBLIGATION TO LIVE UP THERE END OF THIS SIGN CONTRACT.!!!!!!!!!!!!!!!! WE CAN NOT PUT THIS MONEY BACKIN TO OUR IRA,THAT WE SHOULD HAVE NEEDED TO TAKE IN THE FIRST PLACE, IF THE BANK WOULD HAVE DONE THERE JOB OR TO LET US KNOW, BUT THE BANK DID NOT AND POINTED THE FINGER ALL AT US. THE NOW HOW IT WORKS, BECAUSE AS IT STATES IN THE CONSTITUTION OF THE USA AND JUSTICE FOR ALL!!!!!!!!!!!!!!!!!!!!!! YOURS TRULY; MR.AND MRS. [redacted]
Mr. [redacted], First I would like to apologize for the delay in my response to your Revdex.com inquiry. Our internet security software forwarded your complaint to a junk mail folder and the Revdex.com staff contacted us recently to advise us of your concerns. You indicate...
in your inquiry that you would like me to look into your issue and for me to issue an apology for service that you received. I would like to start with the apology. We take pride in our reputation for providing exceptional service. If you do not feel that you experienced that with your interactions with our staff, I apologize. I did review your account record very thoroughly, including records of all communication with you. Your issue centers around the manner in which payments were made to your loan secured by your 2010 [redacted], originated on 5/14/2011. You requested that payments be made from your savings account whenever they were due. Following is a full account of communication with you regarding this auto loan. The first communication from you regarding an issue was on 6/28/2011 where you indicated that your payment was not being made correctly from your savings account. We determined, and communicated with you that the amount in your savings account did not have sufficient funds to cover the payment due. On 7/6/2013 you advised us that funds sent to us from [redacted] were sent to your checking account when you wanted them to go to your savings account. At that time, we posted a payment to your auto loan from your savings account, effective dated to its due date of June 30th. You contacted our telephone service center on 8/7/2013 indicating that your payment for July had not been made yet. Our staff explained to you that you had asked for payments to come from your savings account on their due date and that no payment was due until 8/31/2013. Your most recent communications started on 1/8/2015. You indicated that your loan payments had not been made. Our staff explained to you that you did not have sufficient funds in your savings account to make your payment. In a subsequent call on 1/8, you insisted that our staff contact [redacted]'s Bank and [redacted] about payments that were supposed to be made to your car loan. As was explained to you in our letter of 1/9/2015 sent to you by Richard S., VP of Lending, our staff obtained several check copies that were mailed to our [redacted] Road address. These checks were personal checks drawn from [redacted]'s Bank payable to "[redacted]." Each of these checks were, in fact paid to your [redacted] account. Our staff contacted [redacted] on 1/8 as you requested. [redacted] confirmed that they sent us checks on two occasions for deposit into your savings account, but that they had not cleared and they were mailed to a PO Box address that closed approximately one year earlier. [redacted] graciously initiated electronic payments for both of these checks. We effective dated both payments to the dates that they would have been paid had there been funds in your savings account. [redacted] indicated that they were never provided a correct mailing address from you. This information was also provided in Mr. S.'s letter of 1/9. Your final two communications were in obtaining a payoff quote for your auto loan. The loan was paid in full on 1/16/2015. Your loan has never incurred a late charge, nor any finance charges beyond what is defined in your loan agreement. Your loan was never more than thirty days delinquent and therefore no derogatory information was ever sent to credit reporting agencies. There was no point where any funds were "sitting on an Advantage computer." As was verified by [redacted], no funds reached us until they initiated electronic transfers. Please feel free to contact us with any additional questions or concerns. Regards, Jeffrey B. President/CEO Advantage Federal Credit Union