Bud's Used Auto Parts

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
*** ***

In response to our member’s complaint, Blue FCU’s lending guidelines and retail loan contracts stipulate that for all secured loans, including ATVs; fire, theft, comprehensive and collision insurance are requiredIn keeping with this requirement, our member signed an insurance agreement when his
loan was obtained in early MayBut proof of insurance was not provided in a timely mannerTherefore, our insurance vendor sent several notices informing him that he needed to comply with the insurance agreement and provide proof of insuranceIn August, forced-placed insurance was placed on the loan and an insurance premium was chargedProof of insurance was provided by our member in early September, so at that time an insurance premium refund was also extended to the loanThe difference between the insurance premium charge and the insurance premium refund was the insurance charge for the four month period of time that insurance was provided by Blue FCU prior to proof of insurance being provided by our member, per the signed insurance agreement

Dear Ms***,We have received your response to our original Revdex.com response on November 17th. Our records indicate that on November 21st you worked with Shannon in our Member Solutions Department and worked out keeping your car you had financed with Blue Federal Credit Union (BFCU) and returned the car you had recently purchased. The agreement you worked out with Shannon also states that you will be working with BFCU on a payment catch up plan. We will consider your complaint resolved unless we hear further.Thank you for choosing Blue Federal Credit Union

Our member requested that we confirm delivery along with a tracking number regarding a delay in the delivery of the member’s paid-off vehicle loan titleAfter a number of unsuccessful attempts to contact our member via telephone and email, we were successful in reaching out to confirm that our
member had received the titleThe member declared his less than optimal experience getting his title, but was able to eventually comment with a “thank you”Blue FCU is grateful for the member’s patience, and continued membership

Complaint: ***
I am rejecting this response because:Since the order was replacedin the 24th I was since lied to repeatedly on the matterWas told they'd be overnighted and should expect them WednesdayLieI called back Friday to ask where the checks were and was first told 7-days for "overnighted" checksUmmmmm? Talked to yet another supervisor and was told it would be another day or More liesYes I was never informed I had to sign for these seeing as I've never had to in the MANY years I've been with youThe following week I spoke with yet another supervisor who also overnighted them on a Wednesday and said they should arrive by fridayNothing arrived at the address I gave themCalled them after work and they said they'd call backThey left a voicemail and said My checks never even left the facility due to "weather" related issuesYet the checks arrived at my place of business not long after I leftSo why all the lies and deceit? It's hard to accept any "apology" from you seeing as this matter was handled POORLY from the startMy anger toward this place was your doingLying to me repeatedly was not the best routeI'm writing a letter to the CEO on this matterI ordered checksSimple as thatInstead of delivering my checks I was handed lie after lie.
Regards,
*** ***

February 6, Dear Mr***, Thank you for informing us about your missing check order. It is unfortunate that the first order either did not get placed, as it should have, or did not get processed correctlyEither way, we apologize for that error. In regards to the second order
that was placed on January 24, 2016, I was informed by Ashlee, Contact Center Manager, that you have received your order. I understand your last conversation with Blue Federal Credit Union to discuss this matter was on Saturday, February 4, We received the information that UPS would not deliver your checks as you live in an apartment complex, and they were leaving notices that were not getting to you so that you could resolve the matter. It appears you found a sufficient workaround by having the checks delivered to your place of workThank you for your continued business

The Member Relations Manager has reviewed Mr***’s credit card accountHe found that the key credit reporting and payment posting issues related to Mr***’s complaint can be answered by his payment historyIn January, Mr*** made a payment that posted to his account within the January statement cycle period that ended 1/27/The January payment was much less than the minimum payment dueIn February, Mr*** initiated a telephone payment on 2/25/This payment date was past the February credit card statement cycle period ending 2/24/Consequently, no payment was posted for him in the February statement cycle periodRather, this payment was posted in the March statement periodAnother smaller payment was also paid and posted to his account in MarchMr*** then failed to pay the required minimum payment in AprilBecause of the partial payment for January and the missed payment in February, Mr*** incurred a derogatory mark for the February late payment on his credit reportAs a result of this payment history, the Member Relations Manager concluded that Mr***’s credit reporting is accurateBlue FCU’s Supervisory Committee will be addressing Mr***’s concerns in a letter to the member

Complaint: ***
I am rejecting this response because:Blue Federal Credit Union didnt correct my credit report and continues to report information to my credit report
Regards,
*** ***

Dear Ms***, In your complaint you indicated first that you had approximately $3,in ato your loan. The contract Blue Federal Credit Union received and processed had a service agreement and GAP insurance policy that you had agreed to receive. However, our records
indicate that you contacted us in June and were provided with two refunds for $2,and $for these coveragesRegarding your second concern involved filing for bankruptcy, Blue Federal Credit Union inaccurately reported that your car was included in your bankruptcy filing; however, this was not the actual caseOn November 9, our Member Solutions Department corrected this error to accurately reflect on Experian, Equifax and TransUnion credit bureaus. In addition, you stated, “If I had filed for bankruptcy, I would have been able to keep my car, cleared.” In the instance where a person owes on a loan and files for bankruptcy, the car would have been returned, and the outstanding balance would have been reflected as part of the bankruptcy. The vehicle owner does not get to keep the car and have the loan forgiven. On Monday, November 14, 2016h our Member Solutions Manager was able to speak with you, at which time an agreement was reached on the car and debt

Dear Mr***,We have received and reviewed your complaintYou stated that Blue FCU had erroneously posted a 30-day late payment on your credit reportYou also claim that Blue FCU refuses to fix itWe have reviewed your Blue FCU loan historyIt reflects that you have not had a late payment
We also verified that your *** credit history is reporting your Blue FCU loan account in a current status for the past monthsWe believe there must be some misunderstandingPlease let us know if you have received information from another credit bureau or other source so that we can review and possibly correct it.You can reach Alan A***, Member Solutions Manager, directly at *** with any additional information.Thank you

Mr*** has now complained four time regarding the same concern and Blue Federal Credit Union's position has not waivered. The complaint has been addressed as of October 23rd with the National Credit Union Association providing both Mr*** and the NCUA the supporting documentation

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
*** ***

Our member was upset about delays in his loan’s payoff process, and the general service level he receivedThe Consumer Lending Supervisor contacted our member and after listening and apologizing, proceeded to formulate a resolution to his title situation. Our member’s state DMV was able to
provide the Supervisor with options that were then discussed with the member. He decided that the completion of an emergency release of his electronic title would work best, enabling him to pick up his free and clear title at one of their service stationsOur member was reasonably happy with the final resolution

April 12, Dear Ms***, Thank you for informing the Revdex.com on April 5, regarding your payment book requestBlue Federal Credit Union (Blue FCU) apologizes that your first payment book request to our indirect lending partner did not get placed or processed correctly at
the time you closed your loan (as payment coupon books are not provided unless requested)The intention of the February, March, and April payment coupons, provided to you in your welcome letter, was to assist you in making your first three paymentsOur records show that you called and spoke with a Blue FCU Member Solutions department employee on February 25, about making a paymentIn review of the recorded phone call, unfortunately a payment coupon book was not discussed. The phone call discussion was limited to making a payment, which was received and posted as an ACH payment on February 27, Our records show that a Blue FCU Member Solutions department employee called you on April 4, about your loan paymentThat recorded phone call indicates that a payment coupon book was discussed and you were aware that payment coupon book requests can take up to days to receive The payment coupon book was ordered on April 6, Additionally, we are mailing you a couple of additional payment coupons for your use until your payment coupon book arrives. With regard to your comments about appropriate paperwork and billing information, your signed loan documents, including the agreed upon monthly payment and due date, are ultimately intended to serve as your billing notification and reminder of your obligations under the agreement. If you have any other questions or concerns, please don’t hesitate to contact our Member Solutions departmentThanks again

To Whom It May Concern: The signed Agreement to Provide Insurance and loan contract states that the borrowers must maintain the agreed upon insurance coverage. Our member failed to maintain the proper coverage. And, our member’s trying to sell the vehicle via consignment puts the loan
into defaultBut in spite of these conditions, Blue FCU Collection Department would agree to waive the $insurance CPI chargeThe issue is considered to be one of communicationsWhile Blue FCU does not have the direct employees named (Marsha or Dee), and had our member reached Blue’s FCU’s Collection team, Blue FCU would have (and will) granted the waiver

To Whom It May Concern: The complaint received 5/13/regarding Case ID# ***, it is unfortunate that we are unable to provide Mr*** his desired outcome. The information on the website has been removed, so that it does not mislead any current or future members about the ability to sign up for automatic loan payments with a credit card. On Thursday, May 26th one of our Financial Service Representative contact Mr*** directly and explained this situation and offer his contact information should Mr*** have any future questions or concern

On February 13, 2018, our member’s loan was reviewed once again. It determined that Sonya had provided exceptional documentation showing that the late credit hit and fees charged should be reversed. The loan fee has been reversed, and her credit reporting has been corrected to
reflect no late payments. Sonya was contacted by Member Solutions to inform her of these actions

Our member’s desired settlement statement requested delivery of the motor home title promptlyBlue FCU promptly made arrangements with *** to satisfy our member’s request via a *** shipment with a guaranteed delivery by 12PM on Monday, August 15, A telephone message was given to our member
providing this information, along with the *** tracking numberDelivery of the title was verified via the *** online package deliver tracking system to have been to the address given in the member’s delivery instructions on Monday, August 15, at 9:AMWe are pleased that our member received this title promptly upon request

Blue FCU’s staff spoke with the complainant who stated that our member had since provided the dealership with a duplicate titleBlue FCU did send to the dealership the original notarized lien release via overnight *** Next Day Air Guaranteed with a delivery by 10:AM Tuesday, August 30, A
copy of the notarized lien release letter and *** tracking number were also emailed to the dealership’s representativeA follemail was sent to the representative on August 30, after the guaranteed delivery time, requesting confirmation of delivery and receipt but no return response has yet been receivedBlue FCU believes it has satisfied the complainant’s desired settlement

Dear Mr***, Thank you for inquiring about duplicate credit reporting with ***Blue FCU would never knowingly report informationAfter what appeared to be some reluctance on your part, we appreciate your having sent to us your *** report document for our reviewThe CU
sends files to all three credit reporting agenciesTherefore, your document helped us to verify that the problem resided only with ***In this case, *** has the responsibility for correcting the duplicate entries it createsThe duplicate entry may have been the result of the mergerIt can be difficult to know what credit bureaus are reportingSometimes, the CU must rely upon members for quality control. When a member declares that they are ready to take legal action and consult with an attorney, our staff are trained to refer the issue to a supervisorThis action does not mean that our staff do not care about member concernsIn fact, after verifying that *** was the problem, this same staff member corrected and verified the removal of your duplicate *** tradelineWe would like to thank you for the opportunity to assist in getting your *** credit bureau reporting to properly reflect your loan accounts at Blue FCU