Bud's Used Auto Parts

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 required. In keeping with this requirement, our member signed an insurance agreement when his...

loan was obtained in early May. But proof of insurance was not provided in a timely manner. Therefore, our insurance vendor sent several notices informing him that he needed to comply with the insurance agreement and provide proof of insurance. In August, forced-placed insurance was placed on the loan and an insurance premium was charged. Proof of insurance was provided by our member in early September, so at that time an insurance premium refund was also extended to the loan. The 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.

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.

February 6, 2017 Dear Mr. [redacted], 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 correctly. Either 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, 2016. 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 work. Thank you for your continued business.

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 default. But in spite of these conditions, Blue FCU Collection Department would agree to waive the $949.00 insurance CPI charge. The issue is considered to be one of communications. While 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.

Dear Mr. [redacted], Thank you for inquiring about duplicate credit reporting with [redacted]. Blue FCU would never knowingly report false information. After what appeared to be some reluctance on your part, we appreciate your having sent to us your [redacted] report document for our review. The CU...

sends files to all three credit reporting agencies. Therefore, your document helped us to verify that the problem resided only with [redacted]. In this case, [redacted] has the responsibility for correcting the duplicate entries it creates. The duplicate entry may have been the result of the merger. It can be difficult to know what credit bureaus are reporting. Sometimes, 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 supervisor. This action does not mean that our staff do not care about member concerns. In fact, after verifying that [redacted] was the problem, this same staff member corrected and verified the removal of your duplicate [redacted] tradeline. We would like to thank you for the opportunity to assist in getting your [redacted] credit bureau reporting to properly reflect your loan accounts at Blue FCU.

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[redacted]Blue Federal Credit Union formally known as Warren Federa CU has poor payment practices. When you make a payment they don't  credit to your account until days later after taking your money then they fraudulently report negative information to your credit report. I am requesting this be deleted from my credit reportsBlue Federal Credit Union continues to discriminate against minorities by false adding negative information to credit report. Their poor payment processing practices are against the law.. Because I am black they refuse to cooperate and are extremely rudeThey must correct my credit report

April 12, 2017 Dear Ms. [redacted], Thank you for informing the Revdex.com on April 5, 2017 regarding your payment book request. Blue 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 payments. Our records show that you called and spoke with a Blue FCU Member Solutions department employee on February 25, 2017 about making a payment. In 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, 2017. Our records show that a Blue FCU Member Solutions department employee called you on April 4, 2017 about your loan payment. That recorded phone call indicates that a payment coupon book was discussed and you were aware that payment coupon book requests can take up to 90 days to receive.  The payment coupon book was ordered on April 6, 2017. 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 department. Thanks again.

To Whom It May Concern: The complaint received 5/13/16 regarding Case ID# [redacted], it is unfortunate that we are unable to provide Mr. [redacted] 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. [redacted] directly and explained this situation and offer his contact information should Mr. [redacted] have any future questions or concern.

Dear Mr. [redacted], In a phone conversation on December 1, 2016 with Blue Federal Credit Union’s Member Solutions Supervisor, Terri B[redacted], you indicated your ability to provide proof of insurance coverage for your motorcycle from August 20 – September 19, 2016 from [redacted] Insurance...

Company.  Once we receive proof of coverage, it will be forward to [redacted] who will determine the appropriate refund amount, if any.  The motorcycle will still be uninsured and the CPI remains in force from September 20 – October 13, 2016.  Regarding your comment about the CPI mandated time period, Blue FCU follows all legal requirements of CPI.  Furthermore, since this a fallback position to protect Blue FCU and its members when a borrower has no insurance on the collateral, we continuously reviews our legal requirements with respect to CPI.

Mr. [redacted] 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. [redacted] and the NCUA the supporting documentation.

May 22, 2017   Mr. [redacted]:   Thank you for the opportunity to address your concerns. We researched your loan documents and it appears that your retail installment sale contract, retail purchase agreement, title application and mandatory full coverage automobile insurance agreement were...

signed by you on 03/06/2017. The auto dealer selling you this vehicle is responsible for providing you with copies of these loan documents. Your signed retail installment sale contract confirms that the contract start date is 3/6/17. For example, your first payment was due 4/20/17, which is the standard 45 days after the 3/6/17 contract date. Even though your loan request was funded on 3/24/17, you acknowledged this contract start date via your signature and your timely first payment.    Your retail installment sale contract and insurance agreement both state that you are required to provide and maintain full coverage on your vehicle “at all times” for the term of the contract. This insurance must cover our interests in the vehicle. Your retail installment sale contract also states, “If you do not have this insurance, we may, if we choose, buy physical damage insurance” (Your Other Promises to Us, 2d-page 3). You stated in your complaint that you provided insurance coverage on 4/10/17, which was more than 30-days after your 3/6/17 contract date. You also referenced having received a number of notices regarding your insurance coverage lapse (3/6-4/10/17). These notices were intended as timely reminders and to inform you of your obligation under the contract. It would appear that these facts provide an indication that the CPI insurance added on your behalf was not fraudulent. However regarding your desired settlement, Blue FCU has taken steps to grant a waiver and refund of the $195 CPI charged against your loan, as a gesture of goodwill. This refund will tentatively occur by Wednesday, 5/24/17. We hope this action is sufficient to satisfy your concerns.

Our member was upset about delays in his loan’s payoff process, and the general service level he received. The 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 stations. Our member was reasonably happy with the final resolution.

Blue Federal credit union has never produced and true details on why they posted my payment 30 days late. They only provide a theory of several employees.  There are numerous complaints from other customers for this same issue of not reporting payments timely. I am not accepting their response because I called them on the phone, made a payment and it took them 4 days to post to my account.

Our member’s desired settlement statement requested delivery of the motor home title promptly. Blue FCU promptly made arrangements with [redacted] to satisfy our member’s request via a [redacted] shipment with a guaranteed delivery by 12PM on Monday, August 15, 2016. A telephone message was given to our member...

providing this information, along with the [redacted] tracking number. Delivery of the title was verified via the [redacted] online package deliver tracking system to have been to the address given in the member’s delivery instructions on Monday, August 15, 2016 at 9:42 AM. We are pleased that our member received this title promptly upon request.

Dear Ms. [redacted],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.

The complaint received 4/30/16 regarding Case ID# [redacted] included a desired settlement of allowing the member to setup automatic loan payments by credit card with no fee. Blue FCU does allow no fee advances from its own credit cards which can be processed by phone or online. As a solution and...

delivery of the member’s desired solution, Blue FCU will contact the member to see if the member is interested in obtaining a Blue FCU credit card. If so, the member can apply for a Blue FCU credit card to take advantage of the Blue FCU credit card no advance fees benefits. Blue FCU will provide a waiver of the May credit card advance fee for the loan payment transfer using his non-Blue credit card. The Credit Union will also reach out to the businesses that the member used to obtain his loan and insure they have correct information. In conclusion, these actions should provide the member with the desired settlement.

Blue FCU contacted the member on 5.1.18. After reviewing her concerns in detail, along with some of the elements that may have led to the complaint, an agreement was reached. It was agreed upon that Blue FCU would refund the $115, and that these funds would be placed in the mail by the end of the...

business day. The member was highly satisfied with this resolution.

Complaint: [redacted]
I am rejecting this response because:  Due to the fact that, yes, it was reomoved, but prior to that I was under the impression I was returning the vehicle due to it being listed as a bankruptcy, so I had purchased a different vehicle.  I cannot afford to pay to car loans, I have paid $8,500 in payments, yet the balance due on the account is still the same as the purchase price.  I would like to offer to sell the vehicle and pay $2,000 in payments, to settle this matter.  As I stated, I cannot pay two car payments and insurance on 2 vehicles.  I have my bills I pay on my own- rent, utilites, phone, a car payment, and $60,000 in student loans that I have in forebearance at this time that I will be starting to may payments on.  I cannot afford to end up having my wages garnished.  I am willing to make this offer, but not paying a full $13,000 as my payments, the majority of them, and the balance on this account is probably interest.
Regards,
[redacted]

Dear Mr. [redacted],We have received and reviewed your complaint. You stated that Blue FCU had erroneously posted a 30-day late payment on your credit report. You also claim that Blue FCU refuses to fix it. We have reviewed your Blue FCU loan history. It reflects that you have not had a late payment....

We also verified that your [redacted] credit history is reporting your Blue FCU loan account in a current status for the past 20 months. We believe there must be some misunderstanding. Please 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[redacted], Member Solutions Manager, directly at [redacted] with any additional information.Thank you.

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me. He was extremely nice to me and I really appreciated his willingness to listen and help.
Regards,
[redacted]