Bellco Credit Union

Bellco has contacted its member and addressed the issue directly with her The member was also provided with the contact information for a branch manager that can assist her should she need assistance with her accounts again in the futureWe feel this matter has been resolved to our member’s satisfactionThank you

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
With the help of Revdex.com we have been able to speak with a supervisor who discovered a misplacement of a payment by Bellco six months agoWe are working with Nicole to resolve this mistakeThanks
Sincerely,
*** ***

It appears the original title documents were lost in transit, and Bellco is working with Douglas County to obtain a duplicate title. Once we receive the new title, we’ll send it to the member so she can bring it to Douglas County to register and plate her vehicleWe have attempted to contact
the member using the phone number we have on file, and left a voicemail regarding the current status and next steps necessary to register her vehicleOnce the title is received, we will reach out again and ask her to return our call at the number we providedThank you

I spoke with Bellco and made them aware that in order to get the message they were referring to you would have had to know it's there and be able to login to access it. I was told there were no communication for the system upgrades other then logging into Bellco's messaging system and when you tried to login, a time out error was received immediately. No access to my funds until I was able to speak with the customer service rep to reset everything a couple of times. The *** issue has to do with both entities but I was able to resolve it with them. Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***2, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Upon investigation, we determined that the money orders were missing required information, which was why they were rejected by the issuer. We have been in contact with our member to have the money orders that were deposited through an ATM redepositedThank you

Initial Business Response /* *** ** *** */
In reference to Revdex.com case #XXXXXXXX, Bellco has been in contact with our memberOur member is going to cancel the check and have it reissuedThere will not be any fees to his account from BellcoHowever, the company that the check came from
*** charge a feePlease let us know if we can be of any further assistance

In reference to case number ***, we have researched our member's concerns, and have determined that Bellco does not have the VIN verification document required by the State of Colorado that our member provided to branch staff
Based on our research, we also determined that prior to the
complaint being submitted to the Revdex.com, we offered to reimburse our member the cost of providing a new VIN verification documentWhen our member provides us with the receipt, we will place those funds into his account at Bellco
We apologize for the inconvenience this has caused our member and are working to correct this issue as quickly as possible
Thank you

We have been able to contact our member and resolve his concern regarding his statementWe believe this matter has been resolved to our member’s satisfactionThank you

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meBellco credit union took care of my issue.
Sincerely,
*** ***

In regards to the member’s auto-loan refinance cash-incentive, the cause of the issue was discovered, and corrected. We have since deposited the $into our member’s savings accountIn regards to the member’s question about the auto loan not being on his statement, this issue was
also corrected and a response was sent to our member via email on January 20, In regards to the opening and closing of a checking account without an explanation, this was all done with the member’s full participationThe member completed a Signature Card for the new checking account, which authorized the opening of the checking accountHe later decided he no longer wanted the checking account and wanted the account closed, so the account was closedThe money in the checking account was transferred into a Statement Account (i.e., a savings accounts) Bellco uses to link all accounts owned by the member to a periodic statementAlthough we apologize for any inconvenience this may have caused, Bellco will not be compensating this member for his timeThank you

Initial Business Response /* (1000, 6, 2015/09/03) */
In response to case #XXXXXXXX, Bellco has completed researching our member's concerns and has made several attempts to reach out to her to discuss her auto loan and the final payment that is remaining
We are unable to provide a detailed
account history due to the age and delinquency of the accountIf the member wants a detailed history of the account, we can send copies of her quarterly statements; there is a charge of $per statement
As for her balance, the remaining balance on her loan is a result of numerous late payments made on the loan over the term of the loanThese late payments caused part of the payment to be applied to late fees while also increasing the amount of interest charged to the loan
We would like to work with our member to resolve and ask that she contact our Collections team at XXX-XXX-XXXX
Thank you
Initial Consumer Rebuttal /* (3000, 8, 2015/09/09) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Again, I need to receive an itemized accounting of the balance due on this accountI do not deny that this may be the amount owed but getting an itemized statement, at no cost (this is my account) to me, seems to be an impossible taskI cannot just pay this "balance" without confirmation of the calculations for the amount dueThis should not require an act of GodBellco has sent me running around the entire metro area on different occasions trying to secure this informationNo one seems to have any idea about the correct procedures to resolve this matter

Initial Business Response /* (1000, 5, 2015/06/09) */
In regards to case #XXXXXXXX: Our member spoke with a member services representative on June 1, to clarify what he needed to do in order to close out his IRA accountBellco's IRA manager contacted the member on the morning of June 2,
and confirmed the member has the correct information to proceed as he has requested
The member's bank will submit a transfer request to Bellco to process the closeout transactionOnce the member has returned to us the completed paperwork, Bellco will close all of his accounts
We apologize for any confusion and inconvenience this process may have caused our member
Thank you
Initial Consumer Rebuttal /* (2000, 7, 2015/06/10) */
(The consumer indicated he/she ACCEPTED the response from the business.)
The process in which Bellco runs its business, their lack of calling a member to inform them of the process...not calling until the member opens a Revdex.com complaint...is absurdYes, I spoke to someone on 6/1...after speaking to someone 3-weeks prior...I was finally notified of the processThe person I spoke to on 6/1...of course after attempting to call in on Saturday, being put on hold for over an hour and placed back into queue multiple times...informed me that the person I spoke to weeks prior was supposed to notify meI never got any such callIn fact, I didn't get a call from Bellco until they received the Revdex.com caseThis is horrible customer service and it speaks volumes as to why there are other Revdex.com complaints made against Bellco
I will highly recommend friends and family to NEVER bank at Bellco because they don't care about their "members"

Complaint: ***
I am rejecting this response because: Bellco has not contacted us. We have not received anything from them by mail, and neither my daughter nor I have any voicemails or emails from them trying to address the problem They also did not indicate in their response that they will take steps to correct any inaccurate information that they have reported to the credit bureaus. The only acceptable resolution to this complaint is that they take responsibility for their inaccurate reporting and get it corrected with all three credit bureaus. My daughter and I should not have to be inconvenienced further because of Bellco's error
Sincerely,
*** ***

Bellco Credit Union is reaching out to our member directly in order to address her concernsThis forum is not appropriate for discussing the details of our member’s accounts. Bellco complies with all rules and regulations regarding credit bureau reporting and we are happy to review and
discuss any disputes or concerns the member may have regarding the timing of loan payments, when that payment is applied and when we report negative information to the credit bureausThank you

Contrary to *** ***’ statement, there is no “legal” right to receive a payment deferment at any time. If a financial institution approves an extension or modification on an auto loan, it is at the financial institution’s discretionAs to Bellco’s policy on even considering a request
for a deferment, Bellco requires full payments before that member can be considered for a defermentAt the time of the initial request, the member did not meet this requirement. Our member, who is not *** ***, did speak to a Bellco Collections representative on August 29, and his options were explained to himContrary to the comments made by *** ***, Bellco has provided options to our member to assist him and to allow him to keep his vehicleThank you

Complaint: ***
I am rejecting this response because:
I had my credit reviewed two days ago to refinance my mortgage and this account was until then reported as opened of course last time I contacted them was on last payment but they are have kept reporting it as open until now that is descriptive, affects my finances my credit and happiness I DO need them to repair the damage they have caused my credit since 2014, that is a hugue violation to my customer rights
Sincerely,
*** *** ***

Complaint: ***
I am rejecting this response because:I have a letter from *** ( *** being the merchant services that the vendor uses to process payment) stating that they are waiting for more information from Bellco to close the case on their sideReference *** ticket * ***I have submitted this letter to Bellco in the past, and it should be attached to my fileI will gladly bring it in to whom ever the Bellco representative is that is handling this complaint. The vendor has also submitted a ticket with *** to have my money refunded to me as soon as Bellco does their job, and provides the necessary information to *** to close this case Any other legwork I can do for you, please let me know
Sincerely,
*** ***

As we mentioned in our previous response, we are willing to help our member resolve the *** issue, even though Bellco is not directly involved with the merchant’s relationship with *** or *** investigation. To that end, Bellco’s Southwest Branch has asked our member to provide the information that *** is requestingUp to this point, we have not received any new information that allows us to further assist in this matter

Bellco reached out to our member and spoke with him regarding his concernsWe tried to explain the process for an out-of-state auto purchase, and how it takes longer than an in-state loan due to the different state requirements, and the fact all of the documents have to be sent via *** ** since original signatures are requiredHowever, the member continues to believe the process took too long and he remains dissatisfied. Aside from agreeing to refund any *** expenses, Bellco has no further comment on the matter.Thank you

Bellco has contacted our member and addressed the issue directly with her. We feel this matter has been resolved to our member’s satisfactionThank you