Bjorgl's Trading

[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 ***, and have received my title. However it is of my opinion that this business be marked for bad practices and ill trained employees.
Regards,
*** ***

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Thank you for notifying
Andrews Federal Credit Union of
the recent complaint filed by *** *** with
the Revdex.com regarding the Title for her
***
*** *** states in her complaint she contacted
Andrews Federal Credit Union on March 13, to inquire how long it would
take to receive her titleThe
turnaround time is business daysHowever, due to staff shortage the time to
process release of titles has taken longer than one month
*** *** also stated that when she called Andrews
Federal Credit Union on May 27, to inquire on the whereabouts of her title
the representative she spoke with indicated that according to the diary memo on
her account the title was mailed to a *** addressIt was found that the address
in the diary memo was incorrectLater that day she spoke with the Lending
Supervisor and was informed that the title was, in fact, sent to the correct
addressThe title was mailed via three-day Federal Express*** ***
received the title on May 28, at 1:PM
Should you need any further information, please do not
hesitate to contact me
Sincerely,
Tonia
V***
Member
Advocate
Andrews
Federal Credit Union
*** *** ***
*** *** ***
*** ***

May 3, *** *** Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20004- Subject: *** ***, Complaint Identification *** Dear *** ***, Thank you for contacting Andrews Federal Credit Union regarding *** ***’s rejection to our second response, citing inaccurate and generic information as his reasons for rejection In his original complaint, *** *** stated that Andrews Federal Credit Union performed an unauthorized hard credit inquiry on August 15, 2016. To obtain accurate screenshots of what consumers see when completing applications on *** ***, I personally entered my information into the site as though I were requesting a rate to refinance my vehicle. On the screen that requests the last four digits of the applicant’s social security number, a disclosure is provided stating that both a soft and hard credit pull will be performed once the applicant clicks “View Free Offers.” This was the screenshot that was provided to *** *** in our initial response so that he could see an identical screen to what he encountered during the application process, rather than a demo screen or generic screen provided by *** ***. To complete his application on *** ***, *** *** entered his home address, monthly rent/mortgage, place of employment and salary, in addition to the year, make, model and VIN number of his vehicle. This information was transmitted to Andrews Federal Credit Union directly through RateGenius and was used in our initial response to *** ***’s Revdex.com complaint to ensure that we provided the most accurate information Please contact me using the information below should you have any additional questions or concerns Sincerely, Tonia V*** Member Advocate Andrews Federal Credit Union Office ***

Date: Wed, Sep 20, at 2:PMSubject: Complaint number ***To: "[email protected]" September 20, 2017 *** ***Revdex.com of Metropolitan Washington DC and Eastern PennsylvaniaK St NW, 10th FloorWashington, DC 20004-3404 Subject:
*** ***, Complaint Identification *** Dear *** ***, Thank you for contacting Andrews Federal Credit Union regarding *** ***’s mortgage billing and collection concerns. In her complaint, *** *** stated that she financed her mortgage with ***, a company that currently partners with Andrews Federal Credit Union*** *** was informed by this company that she could refinance her mortgage less than one year after the original mortgage was obtained*** *** worked with *** to refinance her mortgage resulting in a package combination loan that Andrews Federal Credit Union subsequently purchasedIf *** *** has any questions or concerns regarding the structure of the loan, she may contact her *** loan representative. *** *** also stated that she received a notice in January stating that her December mortgage payment was days lateAfter calling Andrews Federal Credit Union, *** *** she was told that her payment was not late and that it would be taken care ofAfter thoroughly researching *** ***’s account, there was no record of a late payment for the month of December or JanuaryOur records indicated a payment in July that was not posted accurately, however upon discovery, this payment was backdated and effectively correctedWe also provided a onetime fee reversal as a courtesy and removed the late reporting to the credit bureaus for April and May, which covered the time that *** *** was not working due to an illness. In regards to her escrow and payment increase, an escrow analysis is provided to members each year which outlines the amount that was collected and paid out, as well as future payouts for insurance and county, school and township taxes*** ***’s increase stems from these items, of which Andrews Federal Credit Union has no control. Should you need any further information, please do not hesitate to contact me via the information below.Sincerely, Tonia V

October 24, *** *** Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20004- Subject: *** ***, Complaint Identification *** Dear *** ***, Thank you for contacting Andrews Federal
Credit Union concerning *** ***’s check hold complaint In her complaint *** *** stated that she called Andrews Federal Credit Union on October 2, to obtain information regarding the length of time that her check would be placed on holdWhen she visited the *** *** *** in person the following day, she was provided with a different date for the check hold, and when *** *** reviewed her account online later that evening, the system indicated a longer hold time After thoroughly researching this matter, I obtained a copy of the signed receipt, dated October 3, which states that $of *** ***’s funds would be released immediately, $4,was scheduled to be released on October 11, and the remaining funds were scheduled to be released on October 18, Should you need any further information, please do not hesitate to contact me Sincerely, Tonia V*** Member Advocate Andrews Federal Credit Union Allentown Road Suitland, Maryland Office ***

Date: Thu, Nov 17, at 11:AMSubject: FW: Response to Complaint ***
*** *** ***
Andrea AFrom: MemberAdvocacy Sent: Friday, October 28, 9:AMTo: ***
*** *** ** *** *** October 28,
2016 *** ***
*** *** *** ** ***
*** ** *** *** ***
*** * ** *** *** ***
*** ** *** Subject: *** *** *** *** *** Dear *** ***
Thank you for notifying Andrews Federal Credit Union of the recent complaint filed by *** *** with the Revdex.com regarding his mortgage statements and associated fees. *** *** stated in his complaint that his mortgage was recently sold to Andrews Federal Credit Union and for several months his mortgage statements have arrived late in the mail resulting in late charges when he submits his payment His desired resolution was a refund of the late charges, future bills to be delivered on time and any delinquency reportings to be removed from his credit report, all of which Andrews Federal Credit Union was able to satisfy. Our Mortgage Servicing team worked with *** *** directly via phone the week of October 17, to discuss his concerns and share solutions with him *** ***’s late charges have been reversed, as well as the delinquency information that was reported to the credit bureaus In addition, our team helped *** *** establish auto pay for his mortgage so that he will no longer have to wait for his mortgage statement to arrive in the mail before sending payment. Should you need any further information, please do not hesitate to contact me. Sincerely,Andrea A

Dear *** ***,Thank you for notifying Andrews Federal Credit Union of the recent rebuttal to a complaint filed by *** *** with the Revdex.com regarding a billing/collection issue. *** *** stated in his rebuttal that the *** Credit Report he has showed that Andrews Federal listed his status as “Creditor cannot locate individual”We contacted *** and this has been corrected. Should you need any further information, please do not hesitate to contact me

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: the response simply solidifies my pointYou obtained the screenshot by putting your information in to look for a disclosure that is present nowThat in no way proves that months or so ago I was shown that screen shot and agreed to allow you to pull my credit report.
Regards,
*** ***

June 27, 2016 Dear *** ***,Thank you for contacting Andrews Federal
Credit Union regarding *** ***’s rejection to our previous response
to her Revdex.com complaint regarding a billing issue.In her original complaint *** ***
stated that she paid her *** Credit Card in full on March 18, using Andrews
Federal Credit Union’s online system; however the transaction was reversed*** *** states in her current complaint that this was Andrews Federal Credit
Union’s mistakeWhen Automatic Clearing House (ACH) transaction is reversed it
is due to information we receive from the Federal ReservesWe received a
transmission from them stating “account not found”I have enclosed a copy of
that reportWe credited all fees and interest on June 8, There have been
no further fees or interest applied to the account since that timeThe Base savings and the *** credit card
were closed on June 22, A check in the amount of $was mailed to the
address we have on fileIf you need additional assistance or have
additional questions, please do not hesitate to contact me.Sincerely, Tonia V***Member Advocate

November
9,
*** ***
RevDex.com of Metropolitan
Washington
DC and Eastern Pennsylvania
K St NW, 10th Floor
Washington,
DC 20004-
Subject:
*** ***, Complaint Identification ***
Dear
***
***,
Thank
you for notifying Andrews Federal Credit Union of the recent complaint filed by
*** *** with the Revdex.com regarding a billing/collection
issue
Mr
Willis states in his complaint that Andrews Federal Credit Union is reporting
two accounts on his credit bureau report and the status shows “Creditor cannot
locate individual”
We
researched *** ***’ credit bureau report, from ***, and our records do
not indicate the accounts are coded as “Creditor cannot locate individual”We
request that *** *** provide a copy of the relevant portion of the consumer
report that he has, which identifies the inaccurate informationUpon receipt
of the documentation and our complete investigation, we will notify each
Consumer Reporting Agency accordingly if the information is inaccurate
We
mailed *** *** a copy of the credit report from *** on November 09,
2015, to the address we have on file, which has nothing stating “creditor
cannot locate individual”
Should
you need any further information, please do not hesitate to contact me
Sincerely,
Tonia
V***
Member
Advocate
Andrews
Federal Credit Union
*** *** ***
Suitland,
Maryland ***
Office ***

January 6, 2016Dear *** ***,Thank you for notifying Andrews Federal Credit Union regarding the recent complaint filed by *** *** with the Revdex.com regarding a refund issue.*** *** ascertains in her complaint she has contacted Andrews Federal Credit Union over ten years ago
regarding funds in her savings account, which was closed in Additionally, *** ***, stated, she was directed to contact The Department of Treasury in Maryland who told her she had a total of $which they would forward to her.All States require financial institutions to report contents of safe deposit boxes, bank accounts, wages, insurance benefits, security deposits, stock dividends and other property to the Comptroller's office of that state, if the property in question remains unclaimed for three or more yearsIn the event the financial institution is unable to contact the member and the account remains inactive for the period of time specified by State law, the firm must report the account to the state where the account is heldThe State claims the account through a process called "escheatment," whereby the State becomes the owner of the account,Prior to the escheatment process, Andrews makes an effort to remind our members of their inactive accountsOn our process, two letters are mailed to our members the year an account is in danger of being escheatedOne notice is sent in June and a second notice is sent in AugustI have enclosed a sample copy of both letters for referenceThe letter provided the member an opportunity to maintain the account or close the account and send any remaining funds to the address on fileIn situations where a response is not received, the account is closed and the funds are escheated to the State on October 31st of that year*** *** account was escheated October 31, therefore; she will need to contact the State of Maryland regarding the funds.Should you need any further information, please do not hesitate to contact me,Sincerely,Tonia V.Member Advocate

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

September 26, *** *** Revdex.com of Metropolitan Washington DC and Eastern Pennsylvania K St NW, 10th Floor Washington, DC 20004- Subject: *** ***, Complaint Identification *** Dear *** ***, Thank you for contacting Andrews
Federal Credit Union regarding *** ***’s mortgage billing and collection concerns In his complaint, *** *** stated that he and his wife received a call from Andrews Federal Credit Union stating that the Home Equity Loan was lateOur records show that the July payment was never received; however *** *** stated via phone that she mailed her payment. While speaking with one of our representatives, *** *** made the payment totaling $and stated that she would place a “stop payment” on the check that she previously mailed The bill that *** *** mentioned in his complaint included the August 1, payment that was made after the statement closing date of August 4, Since *** ***’s payment was made after the closing date of the cycle, which is the 4th of the month, the due date on the statement remained as August 1, 2017, as our system detected that we had not yet received August’s paymentHad the payment been made prior to August 4, 2017, the next due date of September 1, would have shown on the statementAs long as payments are received within the 10-day grace period, a late fee is not assessed, nor is any negative information reported to the three credit bureaus Thank you for bringing this to our attention, as we continually strive to make process improvements, particularly when communicating payment amount and payment due dates to members Should you need any further information, please do not hesitate to contact me via the information below Sincerely, Tonia V*** Member Advocate Andrews Federal Credit Union Allentown Road Suitland, Maryland Office ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
After reviewing the attached credit report the same statement remains
Regards,
*** ***

September 7, *** *** Better Bus***s Bureau (Revdex.com) of Metropolitan Washington, DC & Eastern Pennsylvania K Street, NW, 10th Floor Washington, DC 20004- Re: Complaint ID # ***/*** *** *** Dear Mr***: Thank you for notifying us of Ms***’s rejection of our second response to her original complaint submitted on 8/16/17. As Ms***’s recent rejection essentially recounts the same concerns she raised in her original complaint, we urge Ms*** to revisit our initial response submitted to the Revdex.com on 8/24/and our second response submitted on 8/30/Through our first and second responses, we believe that we have fully and accurately addressed all of Ms***’s concerns and explained why Ms*** is not entitled to receive a refund, as she has requested. Although we have also previously explained the delay in responding to her original complaint, we would like to apologize once again and explain that the delay was due to technical difficulty in retrieving the recorded phone conversation that took place between Ms*** and one of our representatives on 7/26/17. During this delay, our representatives told Ms*** that her phone call might have been handled differently from her sister’s call because of a “training issue.” However, we also explained to her that we would not know for sure until we obtained the actual phone recording. Before preparing our initial response on 8/24/17, we obtained the 7/26/phone recording and realized that our representatives did not handle Ms***’s call improperly or commit any error in processing her sister’s transaction to close out the account. As previously explained, both Ms*** and her sister as joint account owners had equal rights to transact on the account, including closing out the account. Therefore, Andrews Federal Credit Union had no reason to place a stop payment on the cashier’s check we issued for the account balance or refund the account balance to Ms***. Ms*** should probably direct any further concerns to her sister as Andrews Federal Credit Union is unable to provide her with the relief she requested. Thank you again for the opportunity to respond Sincerely, Tonia J***-V*** Member Advocate

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered]
Complaint: ***
I am rejecting this response because: I paid my bill before and after this rejected transaction the same wayI changed *nothing* in the Andrews processing systemClearly, something is wrong with how they transmit paymentsEven if it were a problem with the mediating institution, several Andrews customer service contacts agreed that I paid in full and that the reject was through no fault of my ownThey agreed to refund the feeswhich never quite managed to happen despite multiple documented phone calls.Andrews has finally closed my account and refunded all their fees and interestI will accept a solution which acknowledges their mistake, their constant promise (and failure for months) to fix that mistake, and that it took me filing formal complaints with the Revdex.com and with *** Processing for them to do what they said they'd do: refund their fees and interest, and close my account
Regards,
*** ***

June 17, 2016Dear *** ***,Thank you for contacting Andrews Federal
Credit Union regarding *** ***’s recent Revdex.com complaintIn her complaint *** *** stated that
she paid her *** Credit Card in full on March 18, using Andrews Federal
Credit Union’s online
system; however the transaction was reversedAfter
thoroughly reviewing the transaction history, a payment in the amount of $
was returned to Andrews Federal as “original account not found”, which resulted
in the reversal. As a courtesy to our
member, Andrews Federal reversed all fees and interest which brought the
account to a zero balanceIf you need additional assistance or have
additional questions, please do not hesitate to contact me.Sincerely,Tonia V***Member Advocate