March 24, [redacted] Dear [redacted] We were recently notified that you filed a complaint against us with the Revdex.com on March 17, regarding numerous fees charged to your account earlier this yearUpon opening your account with North Jersey Federal, you were given a Welcome packet that contained fee schedules and terms and conditions for said accountWe urged you to review the information to become aware of all aspects of your new account in addition to a contact number for you if you had any questions regarding your new account [redacted] , we have no record of any deposits or withdrawals made on your account, which is the reason for your account to become inactive and incurred feesThe State of New Jersey has Abandonment Property rules where all financial Institutions and credit Unions must adhere toThe rule states, if any depository accounts has zero transactions in a months period we need to notify and change the account status from Active to InactiveWe followed the State of NJ Abandonment rules and we didn’t hear from you at all after the monthly statements and notices went out to youWe value your membership and want to quickly resolve this matter for you, we will return your $membership pledge to you at onceIt is our sincere hope that North Jersey Federal is able to regain your trust as a banking institution and for you to return to North Jersey Federal Credit Union as a memberWe apologize for any inconvenience this may have caused youPlease contact us at our Totowa branch location at [redacted] if you have any further questions about this matterThank you for bringing this matter to our attention JCC***, VP
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] I contacted the company via phone as indicated in their previous response to this compliant and inquired of when the account will be closedThe manager would not take my call nor did she respond to my subsequent emailsThe assisting customer representative on the phone stated she was unaware why the account is still open and when it was to be closedIt has been noted that as of today the account has been closed per current credit reportI will not be returning to your company in the future for financial services/needs.Thank you Regards, [redacted]
We have resolved the issue for the memberMember did not allow time for the three credit agencies to update their files to reflect the auto loan listed as paid off and all negative reporting was removed
This complaint is from one of our former *** *** On July ** *** requested for *** to investigate why is he being assessed late feesAfter reviewing our records back on Sept his payment was short $due to increase on his escrow account for property taxes which NJFCU
rebated $in fees for himAgain, on October 25, ** *** was advise by our Collection Manager that his payment was short $and sent along the mortgage statement containing the history to the memberNJFCU has left voicemail messages and sent correspondence to ** *** and he has not returned any of our phone callsAttached, is the last letter sent to him with an explaination after receiving the Revdex.com complaint when I returned to the office from vacation
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me The person that opened the account neither explained the few schedule, went over it, nor was I told the only way I could have access to my account would be through creating a profile online The employees at the Paterson branch have to prioritize their customer service and improve in this area drasticallyThank you for your resolution
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I contacted the company via phone as indicated in their previous response to this compliant and inquired of when the account will be closed. The manager would not take my call nor did she respond to my subsequent emails. The assisting customer representative on the phone stated she was unaware why the account is still open and when it was to be closed. It has been noted that as of today the account has been closed per current credit report. I will not be returning to your company in the future for financial services/needs.Thank you.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:Thank you for updating my report and correcting the error. The account still shows active balance, the...
balance is not my liability but that of “fusion” which you are awaiting payment from. Please close the account/remove my name as the account holder for the balance. The balance pending is currently under my credit report and showing as high credit balances, this will affect my ability to obtain additional credit.I have reached out to the number indicated on your message and no one could answer why my account still shows open. Please assist, thank you again.
Regards,
[redacted]
March 24, 2017 [redacted] Dear [redacted] We were recently notified that you filed a complaint against us with the Revdex.com on March 17, 2017 regarding numerous fees charged to your account earlier this year. Upon...
opening your account with North Jersey Federal, you were given a Welcome packet that contained fee schedules and terms and conditions for said account. We urged you to review the information to become aware of all aspects of your new account in addition to a contact number for you if you had any questions regarding your new account. [redacted], we have no record of any deposits or withdrawals made on your account, which is the reason for your account to become inactive and incurred fees. The State of New Jersey has Abandonment Property rules where all financial Institutions and credit Unions must adhere to. The rule states, if any depository accounts has zero transactions in a 12 months period we need to notify and change the account status from Active to Inactive. We followed the State of NJ Abandonment rules and we didn’t hear from you at all after the monthly statements and notices went out to you. We value your membership and want to quickly resolve this matter for you, we will return your $50.00 membership pledge to you at once. It is our sincere hope that North Jersey Federal is able to regain your trust as a banking institution and for you to return to North Jersey Federal Credit Union as a member. We apologize for any inconvenience this may have caused you. Please contact us at our Totowa branch location at [redacted] if you have any further questions about this matter. Thank you for bringing this matter to our attention. J. C. C[redacted], VP
March 24, [redacted] Dear [redacted] We were recently notified that you filed a complaint against us with the Revdex.com on March 17, regarding numerous fees charged to your account earlier this yearUpon opening your account with North Jersey Federal, you were given a Welcome packet that contained fee schedules and terms and conditions for said accountWe urged you to review the information to become aware of all aspects of your new account in addition to a contact number for you if you had any questions regarding your new account [redacted] , we have no record of any deposits or withdrawals made on your account, which is the reason for your account to become inactive and incurred feesThe State of New Jersey has Abandonment Property rules where all financial Institutions and credit Unions must adhere toThe rule states, if any depository accounts has zero transactions in a months period we need to notify and change the account status from Active to InactiveWe followed the State of NJ Abandonment rules and we didn’t hear from you at all after the monthly statements and notices went out to youWe value your membership and want to quickly resolve this matter for you, we will return your $membership pledge to you at onceIt is our sincere hope that North Jersey Federal is able to regain your trust as a banking institution and for you to return to North Jersey Federal Credit Union as a memberWe apologize for any inconvenience this may have caused youPlease contact us at our Totowa branch location at [redacted] if you have any further questions about this matterThank you for bringing this matter to our attention JCC***, VP
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] I contacted the company via phone as indicated in their previous response to this compliant and inquired of when the account will be closedThe manager would not take my call nor did she respond to my subsequent emailsThe assisting customer representative on the phone stated she was unaware why the account is still open and when it was to be closedIt has been noted that as of today the account has been closed per current credit reportI will not be returning to your company in the future for financial services/needs.Thank you Regards, [redacted]
We have resolved the issue for the memberMember did not allow time for the three credit agencies to update their files to reflect the auto loan listed as paid off and all negative reporting was removed
This complaint is from one of our former *** *** On July ** *** requested for *** to investigate why is he being assessed late feesAfter reviewing our records back on Sept his payment was short $due to increase on his escrow account for property taxes which NJFCU
rebated $in fees for himAgain, on October 25, ** *** was advise by our Collection Manager that his payment was short $and sent along the mortgage statement containing the history to the memberNJFCU has left voicemail messages and sent correspondence to ** *** and he has not returned any of our phone callsAttached, is the last letter sent to him with an explaination after receiving the Revdex.com complaint when I returned to the office from vacation
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me The person that opened the account neither explained the few schedule, went over it, nor was I told the only way I could have access to my account would be through creating a profile online The employees at the Paterson branch have to prioritize their customer service and improve in this area drasticallyThank you for your resolution
Regards,
*** ***
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]. I contacted the company via phone as indicated in their previous response to this compliant and inquired of when the account will be closed. The manager would not take my call nor did she respond to my subsequent emails. The assisting customer representative on the phone stated she was unaware why the account is still open and when it was to be closed. It has been noted that as of today the account has been closed per current credit report. I will not be returning to your company in the future for financial services/needs.Thank you.
Regards,
[redacted]
Complaint: [redacted]
I am rejecting this response because:Thank you for updating my report and correcting the error. The account still shows active balance, the...
balance is not my liability but that of “fusion” which you are awaiting payment from. Please close the account/remove my name as the account holder for the balance. The balance pending is currently under my credit report and showing as high credit balances, this will affect my ability to obtain additional credit.I have reached out to the number indicated on your message and no one could answer why my account still shows open. Please assist, thank you again.
Regards,
[redacted]
March 24, 2017 [redacted] Dear [redacted] We were recently notified that you filed a complaint against us with the Revdex.com on March 17, 2017 regarding numerous fees charged to your account earlier this year. Upon...
opening your account with North Jersey Federal, you were given a Welcome packet that contained fee schedules and terms and conditions for said account. We urged you to review the information to become aware of all aspects of your new account in addition to a contact number for you if you had any questions regarding your new account. [redacted], we have no record of any deposits or withdrawals made on your account, which is the reason for your account to become inactive and incurred fees. The State of New Jersey has Abandonment Property rules where all financial Institutions and credit Unions must adhere to. The rule states, if any depository accounts has zero transactions in a 12 months period we need to notify and change the account status from Active to Inactive. We followed the State of NJ Abandonment rules and we didn’t hear from you at all after the monthly statements and notices went out to you. We value your membership and want to quickly resolve this matter for you, we will return your $50.00 membership pledge to you at once. It is our sincere hope that North Jersey Federal is able to regain your trust as a banking institution and for you to return to North Jersey Federal Credit Union as a member. We apologize for any inconvenience this may have caused you. Please contact us at our Totowa branch location at [redacted] if you have any further questions about this matter. Thank you for bringing this matter to our attention. J. C. C[redacted], VP
NJFCU will open an investigation on this complaint to see what exactly happened with this member. We will have an outcome shortly.