November 17, Revdex.com Viewridge Ave Suite San Diego, CA RE: Complaint# [redacted] To Whom It May Concern: California Coast Credit Union values its members and takes member complaints very seriouslyWe are in receipt of complaint [redacted] sent by the Revdex.com regarding our members vehicle loan with California CoastUnfortunately, with this particular member, we have tried multiple times to work with him in the past to address his issues and reach a mutually agreeable resolution, including entering into modification agreements to lower his monthly payments and reduce his interest ratesThe fact remains that, to date, the credit union still has a valid lien on the Mercedes referenced in his complaint The fact this member's debt was discharged in bankruptcy does not render the credit union's lien valueless or unenforceable, as a creditor's security interests in property survives a bankruptcy discharge, unless the bankruptcy court orders otherwiseIn this case there is no basis for a court to void the credit union's lien, so the lien remains intactBecause the credit union's lien has not been satisfied, the credit union is unwilling to release title to the vehicle free and clear The credit union categorically denies that any employee or agent of California Coast has plotted or conspired against this member as he suggests in his complaintThe credit union also denies that it has deceived or harassed this member and/or his family as he claimsAny loan agreement or modification agreement entered into by this member was done so by him willingly and in writingDespite our numerous attempts to work with him in the past and our various letters to him responding to his complaints and explaining our position in writing, the credit union remains ready and willing to discuss this member's accounts with him in detail Should you have any further questions regarding this matter, please do not hesitate to call me at 877-495- Sincerely, [redacted] Chief Lending Officer California Coast Credit Union
December 2, 2014Revdex.comViewridge Ave Suite 200San Diego, CA 92123RE: Complaint# [redacted] To Whom It May Concern:California Coast Credit Union values its members and takes member complaints very seriously.We are in receipt of our member's second complaint, number [redacted] sent by the BetterBusiness Bureau regarding our member's vehicle loan with California Coast Credit UnionAsstated in our previous response with this particular member, we have tried multiple times towork with him in the past to address his issues and reach a mutually agreeable resolution;including entering into modification agreements to lower his monthly payments and reduce hisinterest ratesThe fact remains that, to date, the credit union still has a valid lien on theMercedes referenced in his complaintCalifornia Coast Credit Union and its attorneys havereviewed this account extensively and find no merit in our member's complaintBecause thecredit union's lien has not been satisfied, the Credit Union has no obligation to release title onthis vehicle.Despite our numerous attempts to work with our member in the past and our various letters tohim responding to his complaints and explaining our position in writing, our member continuesto submit complaintsWe regret that our member is dissatisfied with our previous responses,however California Coast Credit Union has cooperated and responded to this member'scomplaints on several occasions and would now like to consider this matter closed.Should you have any further questions regarding this matter, please do not hesitate to call me at877-495-1600.Sincerely, [redacted] Chief Lending OfficerCalifornia Coast Credit Union
Gentlemen:You are falling to address the number 1 issue, did you or did you not receive the Cease and Desist document prior to Proof of "Purported Debt"? The document was sent and received by your attorney, to this day you have "NO CLAIM"! So let the record show that CCCU its Managers, Attorneys, Investigators, Recovery Agents and all those involved who understand the truth and are concealing it are guilty under the Most high's Laws, Statutes, Commandments and Covenants written in the book of Leviticus, he will redeem us. However the "Lawless" and the "Liar's" those who oppose his Law will be dealt with one at a time. CCCU has committed "Fraud" against me and my family if they will do it to me they will do it to you beware of the business practices of CCCU the "Lawless" one's those who oppose the Most high to his face with lies and misrepresentation.Let the record show this case to every last Member of California Coast Credit Union that they will have the knowledge to protect themselves from those that will exploit them if the opportunity presents itself. Soon the un righteous will be out of business under what is called the "GLOBAL CURRENCY RESET", and after the G-20 meeting your useless dollar is now just a paper investment not even counted as currency, as a result there is no more FDIC insurance or anything else because your dollar is dead, your un righteous company will be the first to go out of business because Wall Street is now controlled by [redacted] I and the Federal Reserve is insolvent, and this broke government can't protect you because they are not the world reserve currency, you will be the first to go, remember these words those who lend money at usury. [redacted] BP.S It's not over!
Good morning,
I am attaching our reply to Mr***'s complaint
Thank you!February 9, 2015Ms*** ***Revdex.comMurphy Canyon, Suite 110San Diego, CA 92123RE: Complaint 10: ***James *** ***Dear Ms ***,This letter is written in response to your inquiry dated
concerning the above referenced complaintThecomplaint alleges that California Coast Credit Union is trying to collect additional sums of money from Mr***.Collateral protection insurance ("CPI"), is purchased by a secured lender such as California Coast upon the failureof its borrower to maintain his/her own physical damage coverage on the collateral as required by the loanagreementAt the time Mr*** executed his loan agreement with California Coast, he agreed to obtain andcontinuously maintain adequate insurance covering the collateral for the duration of the loanMr*** executedhis loan agreement August 16, and was to provide acceptable proof of insurance on the collateral effectivethis same date.Notices were sent to Mr*** on September lOth and November 26'h, requesting proof of insuranceThenotices sent to Mr*** set forth the insurance requirements and where to submit the requested documentation.Acceptable proof of insurance effective August 16, 2014, was not provided and CPI was placed on December s'h,2014, effective August 16'h to September 22"d, 2014.A recent inquiry on January 2ih, 201S, through *** confirms that Mr***'s vehicle was added to hisinsurance coverage September 22, 2014, confirming a lapse in coverage from August to September 22, 2014.All activity and transactions on the account have been reviewed and all action California Coast Credit Union hastaken is in accordance with the original contract terms and established protocols for collateral protectionrequirements.We take pride in being proactive in assisting our members during difficult times and recognize that while Mr***was trying to get the matter resolved, the insurance requirements were not met by his insurance providerWiththat being said, and in order to maintain the good faith of our member we will provide a refund in the amount of$for the CPI premium that was added for the Expedition.Please feel free to contact me if you have any further questions.Sincerely,Christine ** ***Manager, Loan ServicingP.OBox 502080, San Diego, CA 92150-2080858.495.1600/I Fax I www.calcoastcu.org
October 31,
*** ***
*** *** ***
*** *** ** ***
Dear Mr***;
Thank you for taking the time to speak with me todayIt helped me to understand the
situation regarding the returned deposited item and subsequent problems on the account
Your card was revoked
due to the deposit returned to us for non sufficient fundsYou
explained that you were working out of town and couldn't make a deposit through the
ATM to take care ofthe negative balance on your accountCash deposits were made at
our branch however with the fees deducted the balance was not sufficient to cover all of
the items that were presentedAlthough the fees are valid, we have credited $ in
fees after our discussion todayWe have reinstated the card and you are aware that
deposits made will have holds in accordance with regulations
We look forward to continuing to service your future financial needsPlease call us at
(877) 495-if you have further questions
Very truly yours,
CALIFORNIA COAST CREDIT UNION
*** ***-D' ***
AVP, Support Services
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. The business took responsibility and reversed all charges, I will consider this complaint resolved
Regards,
*** ***
March 18, 2015*** *** *** ***
*** ** ***RE: Revdex.com Complaint Dear Mr***;It was a pleasure speaking with you today regarding your account and the fees associated withoverdraft.Our records indicate you were charged a total of $in fees from the
period of 2/23/through3/12/During that same period fees totaling $were credited to your account, Today anadditional $in fees was credited to your checking accountAlthough the fees were valid asdisclosed, the fees have been reversed as a courtesyAs per our discussion, you understand theoverdraft feesThe card courtesy program that you originally opted in to has been terminated as peryour request.Please feel free to call me at *** *** if you have further questions.Sincerely,*** *** ***AVP, Support Services
RE: Complaint ID: [redacted] - [redacted] This letter is written in response to your inquiry dated 08/27/2016 concerning the above referenced complaint. The complaint alleges that California Coast Credit Union failed to process Mr. [redacted] insurance documents and...
wrongfully added Collateral Protection Insurance (CPI) to his auto loan. Collateral protection insurance (CPI), is purchased by a secured lender such as California Coast upon the failure of its borrower to maintain his/her own physical damage coverage on the collateral as required by the loan agreement. At the time Mr. [redacted] executed his loan agreement with California Coast, the dealer provided information that the insurance would expire on 01/14/2016. Notices were sent to Mr. [redacted] on March 27th and April 27th with no response. The third notice that was sent on May 8th was received back as “Return to Sender - Unable to forward”. Acceptable proof of insurance was not provided and CPI was placed on June 24th.On August 25th 2016 Mr. [redacted] contacted our collections department with regard to the account. When the advisor informed Mr. [redacted] about the insurance lapse and invalid address he stated he has always had insurance. After additional negotiations with Mr. [redacted] he agreed to contact his insurance but would not provide us with a current correct mailing address. Current contact information is key in ensuring that we can communicate with our members about their accounts. On 08/29/2016 the insurance company provided the necessary insurance information. Upon receipt of these documents, the entire CPI premium was refunded along with associated interest and late charges. We have also taken steps to ensure that credit bureau reports will not reflect any past due payments related to this event. All activity and transactions on the account have been reviewed and all action California Coast Credit Union has taken is in accordance with the original contract terms and established protocols for CPI requirements. We take pride in being proactive in assisting our members and recognize the importance of keeping our members informed about their accounts at all times. Please feel free to contact me if you have any further questions.Sincerely,[redacted]Manager, Loan Servicing
November 17, 2014
Revdex.com
4747 Viewridge Ave Suite 200
San Diego, CA 92123
RE: Complaint# [redacted]
To Whom It May Concern:
California Coast Credit Union values its members and takes member complaints very seriously. We are in
receipt of complaint [redacted] sent by the...
Revdex.com regarding our members vehicle loan
with California Coast. Unfortunately, with this particular member, we have tried multiple times to work
with him in the past to address his issues and reach a mutually agreeable resolution, including entering
into modification agreements to lower his monthly payments and reduce his interest rates. The fact
remains that, to date, the credit union still has a valid lien on the Mercedes referenced in his complaint.
The fact this member's debt was discharged in bankruptcy does not render the credit union's lien
valueless or unenforceable, as a creditor's security interests in property survives a bankruptcy discharge,
unless the bankruptcy court orders otherwise. In this case there is no basis for a court to void the credit
union's lien, so the lien remains intact. Because the credit union's lien has not been satisfied, the credit
union is unwilling to release title to the vehicle free and clear.
The credit union categorically denies that any employee or agent of California Coast has plotted or
conspired against this member as he suggests in his complaint. The credit union also denies that it has
deceived or harassed this member and/or his family as he claims. Any loan agreement or modification
agreement entered into by this member was done so by him willingly and in writing. Despite our
numerous attempts to work with him in the past and our various letters to him responding to his
complaints and explaining our position in writing, the credit union remains ready and willing to discuss
this member's accounts with him in detail.
Should you have any further questions regarding this matter, please do not hesitate to call me at 877-495-
1600.
Sincerely,
[redacted]
Chief Lending Officer
California Coast Credit Union
To whom it may concern:On January 21, 2016 California Coast Credit Union received correspondence from the Revdex.com regarding [redacted], Thank for the opportunity to review and respond to this matter. In his complaint Mr. [redacted] states that California Coast Credit Union did not try to...
contact via e-mail regarding a business matter, Correspondence was mailed to the address on file provided by Mr. [redacted]. However as indicated in his complaint he moved from that address. Eventually he moved back to this address and received the time sensitive correspondence. When he received his mail he contacted the credit union immediately to address the matter.The matter was investigated and the information was reported correctly to the credit bureau. However, as Mr. [redacted] points out in his letter there were extenuating circumstances in his situation. In consideration of these circumstances California Coast Credit Union will amend the information reported and remove the derogatory reporting. It is important to note when payment arrives thirty (30) or more days from the due date the CU is required to report this to the credit bureaus. We ask that If Mr. [redacted] is aware that he will not be receiving mail at the address provided to the credit union that he contact the credit union with updated information.Regards,[redacted] AVP Collection and Loss Recovery California Coast Credit Union
Gentlemen:You are falling to address the number 1 issue, did you or did you not receive the Cease and Desist document prior to Proof of "Purported Debt"? The document was sent and received by your attorney, to this day you have "NO CLAIM"! So let the record show that CCCU its Managers, Attorneys, Investigators, Recovery Agents and all those involved who understand the truth and are concealing it are guilty under the Most high's Laws, Statutes, Commandments and Covenants written in the book of Leviticus, he will redeem us. However the "Lawless" and the "Liar's" those who oppose his Law will be dealt with one at a time. CCCU has committed "Fraud" against me and my family if they will do it to me they will do it to you beware of the business practices of CCCU the "Lawless" one's those who oppose the Most high to his face with lies and misrepresentation.Let the record show this case to every last Member of California Coast Credit Union that they will have the knowledge to protect themselves from those that will exploit them if the opportunity presents itself. Soon the un righteous will be out of business under what is called the "GLOBAL CURRENCY RESET", and after the G-20 meeting your useless dollar is now just a paper investment not even counted as currency, as a result there is no more FDIC insurance or anything else because your dollar is dead, your un righteous company will be the first to go out of business because Wall Street is now controlled by [redacted]i and the Federal Reserve is insolvent, and this broke government can't protect you because they are not the world reserve currency, you will be the first to go, remember these words those who lend money at usury. [redacted] BP.S It's not over!
December 2, 2014Revdex.com4747 Viewridge Ave Suite 200San Diego, CA 92123RE: Complaint# [redacted]To Whom It May Concern:California Coast Credit Union values its members and takes member complaints very seriously.We are in receipt of our member's second complaint, number 1[redacted] sent by the BetterBusiness Bureau regarding our member's vehicle loan with California Coast Credit Union. Asstated in our previous response with this particular member, we have tried multiple times towork with him in the past to address his issues and reach a mutually agreeable resolution;including entering into modification agreements to lower his monthly payments and reduce hisinterest rates. The fact remains that, to date, the credit union still has a valid lien on theMercedes referenced in his complaint. California Coast Credit Union and its attorneys havereviewed this account extensively and find no merit in our member's complaint. Because thecredit union's lien has not been satisfied, the Credit Union has no obligation to release title onthis vehicle.Despite our numerous attempts to work with our member in the past and our various letters tohim responding to his complaints and explaining our position in writing, our member continuesto submit complaints. We regret that our member is dissatisfied with our previous responses,however California Coast Credit Union has cooperated and responded to this member'scomplaints on several occasions and would now like to consider this matter closed.Should you have any further questions regarding this matter, please do not hesitate to call me at877-495-1600.Sincerely,[redacted]Chief Lending OfficerCalifornia Coast Credit Union
Revdex.com 4747 Viewridge Ave #200 San Diego, CA 92123 Re: [redacted] To Whom It May Concern: Mr. [redacted] originally applied in January 2017 to purchase a private party vehicle, but did not follow up after he was sent the list of items needed to...
complete a private party purchase at that time. When he re-applied for the same purpose in April 2017, there were only a few days to complete everything before the seller had to leave the country. When the flight of the seller was moved up a day, the one signature needed to complete the [redacted] portion of this transaction was not possible to obtain. We could have obtained the sellers signature “in advance”, but failed to do so, which prevented fina[redacted]ing this transaction in a timely manner. I have corresponded with Mr. [redacted] by e-mail and he does want to proceed with this refinance. We are sending the necessary [redacted] form by mail using [redacted] International to get the seller’s signature. Mr. [redacted] provided the overseas address. Once that form is received we can fina[redacted]e the private party transaction. Additional training is being provided to our employee by her manager to understand ways to handle specific transactions like this and others that are “out-of-the-box” situations. Sincerely, [redacted]. [redacted] California Coast Credit Union AVP Credit Services Tell us why here...
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is greatly appreciated. Finally the little guy, got a break. I also appreciate the bank excepting human error as cause of this matter, and it was unfortunate. I will wait for the business to perform this action and, if it does, will consider this complaint resolved, and I am taking their word that my credit will not suffer from this ordeal.Professionally yours,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Mr. [redacted]
[redacted]
[redacted], [redacted]
RE: Revdex.com ID#[redacted]
Dear Mr. [redacted],
California Coast Credit Union received your correspondence sent to the Revdex.com requesting reimbursement of Debit Card Overdraft fees. We value...
your membership and your concerns are important to us.
On February 10, 2014 you opted-in to Debit Card Courtesy Pay, authorizing the credit union to pay Debit Card transactions when sufficient funds are not available, agreeing to pay a $27.00 fee for each transaction that overdraws your account by more than $20.00. You may opt-out of this service; however, your Debit Card transactions may be declined should your available balance be insufficient to cover the transactions.
As a courtesy, $297.00 in Debit Card overdraft fees were refunded to your checking account. Our records indicate that on December 22, 2015 the credit union previously refunded $102.50 in fees that were also incurred as a result of Debit Card transactions posted to your account when there were insufficient funds available to cover the transactions.
In response to your comment about the way the credit union processed your Debit Card transactions, please be advised that transactions are posted from merchants as received; seven days a week, 24 hours a day. At the time of the $120.49 [redacted] transaction on March 28, your available balance was $23.21. At that point, the credit union had not yet received the Debit Card transactions from the weekend, but the funds were on hold and the transactions were posted after the [redacted] transaction had posted.
You may view your Debit Card holds (authorized transactions that have not posted to your account)
in online banking by clicking on “Holds” on the Account Summary page.
California Coast Credit Union’s goal is to provide exceptional service. If you additional questions, please feel free to call me at [redacted].
Sincerely,
[redacted]
Vice President, Operations
cc: Revdex.com
This letter is written in response to your inquiry dated 06.15.2016 concerning the above referenced complaint. The complaint alleges that California Coast Credit Union is trying to collect additional sums of money from Ms. [redacted]. At the time Ms. [redacted] executed her loan agreement with...
California Coast, she agreed to pay the sum of $17,702.00 plus interest. Ms. [redacted] made several payments prior to trading in her vehicle to [redacted] on 04.05.16 at which time a payoff amount of $13,168.24 was quoted in error, the correct amount was $15,168.24. This error resulted in a payoff shortage of $2,000. Upon receipt of the check in the amount of $13,168.24 the title was released to the dealer in error. California Coast contacted the member to explain that an error was made leaving a $2,000 balance still unpaid on the loan. We apologized and agreed that it was our error first in the incorrect quote and 2nd in releasing the title. We offered to lower the monthly payment to $35.05 to assist Ms. [redacted] with the re-payment of the $2,000 while maintaining the auto secured rate of 1.98%. We assured the member there would be no negative impact to her credit due to the lower monthly payments. Ms. [redacted] declined the offer stating it was our error and she would not accept responsibility for our mistake. All activity and transactions on the account have been reviewed and I can assure you that no action other than to collect the remaining balance of our loan has been taken. There were no threats made to Ms. [redacted], only established protocols to assist any member with a deficiency balance. We take pride in being proactive in admitting our error while offering to help our member arrive at a solution. With that being said, and in order to maintain the good faith of our member we will write off the remaining $2,000 balance with no negative impact to Ms. [redacted]’s credit.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
I reject their offer, I would agree to pay only 50% of the late fees on my account no more.Thank you.
Mr.[redacted]:I call your attention to our document dated June 11,2010 Demand to Cease and Desist Collection Activities Prior to "Validation Of Purported Debt". CCCU as well as [redacted],& [redacted] was given 72 hours under the Fair Debt Collection Practices Act, 15 U.S.C & 1601, 1692 et seq. Including Mandatory disclosure requirements under Title 5 [redacted]. GAAP required under Title 12 U.S.C. 248 & 347 in strict compliance with FAS 125, 133, 140,5, 95. "Your 72 hours to disclose Mandatory accounting information by law has passed" therefore your Lien is void. As to categorically denying that Sr. VP [redacted] constructed in cooperation with [redacted] President, [redacted] Vice President, Investigator [redacted] in Collaboration with [redacted] Services, [redacted] Company [redacted], [redacted] Collection Agency, [redacted] Services [redacted] LLC [redacted], [redacted], which by our own investigation we determined several of these firms were out of State once they received the Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt they acknowledge receipt and halted their recovery efforts this action alone confirms CCCU is well aware of this document and is dated June 11, 2010 Therefore for the record let it be noted that as we have stated CCCU and it's Affiliates illegally harassed us day and night at our home and offices after receipt of the Demand to Cease and Desist while my wife was near death with CHF and we have documented your actions and can prove our case.Also for the record and your "DENIAL" the following agencies have been contacted and advised pertaining to the activities while they were happening in "REAL TIME" of CCCU: The FBI, case [redacted]The Department of Financial Institutions (CN) [redacted]The Attorney Generals Office, [redacted] case PIU [redacted] The Attorney Generals Office, [redacted], Texas [redacted]Carlsbad PD. [redacted]Federal Trade Commission ref. [redacted]The State Bar of California, Chief Trial Counsel Intake Unit "Rules of Professional Conduct Section" 110 Absent good-faith papertrail of Attorney during bad-faith papertrail of Attorney Obviously by your reply Mr. [redacted] you have not had time to research the liabilities for CCCU in this case. Your lien has been void since June 14th,2011 and the following agencies and your co-conspirators have verified their actions by up holding the "DEMAND" let the evidence show by CCCU's actions to hire and re hire recovery agents because their fraudulent collections efforts failed and we have proof this was all spearheaded by [redacted] and the facts cannot be denied, her resignation is at hand.[redacted]
November 17, Revdex.com Viewridge Ave Suite San Diego, CA RE: Complaint# [redacted] To Whom It May Concern: California Coast Credit Union values its members and takes member complaints very seriouslyWe are in receipt of complaint [redacted] sent by the Revdex.com regarding our members vehicle loan with California CoastUnfortunately, with this particular member, we have tried multiple times to work with him in the past to address his issues and reach a mutually agreeable resolution, including entering into modification agreements to lower his monthly payments and reduce his interest ratesThe fact remains that, to date, the credit union still has a valid lien on the Mercedes referenced in his complaint The fact this member's debt was discharged in bankruptcy does not render the credit union's lien valueless or unenforceable, as a creditor's security interests in property survives a bankruptcy discharge, unless the bankruptcy court orders otherwiseIn this case there is no basis for a court to void the credit union's lien, so the lien remains intactBecause the credit union's lien has not been satisfied, the credit union is unwilling to release title to the vehicle free and clear The credit union categorically denies that any employee or agent of California Coast has plotted or conspired against this member as he suggests in his complaintThe credit union also denies that it has deceived or harassed this member and/or his family as he claimsAny loan agreement or modification agreement entered into by this member was done so by him willingly and in writingDespite our numerous attempts to work with him in the past and our various letters to him responding to his complaints and explaining our position in writing, the credit union remains ready and willing to discuss this member's accounts with him in detail Should you have any further questions regarding this matter, please do not hesitate to call me at 877-495- Sincerely, [redacted] Chief Lending Officer California Coast Credit Union
December 2, 2014Revdex.comViewridge Ave Suite 200San Diego, CA 92123RE: Complaint# [redacted] To Whom It May Concern:California Coast Credit Union values its members and takes member complaints very seriously.We are in receipt of our member's second complaint, number [redacted] sent by the BetterBusiness Bureau regarding our member's vehicle loan with California Coast Credit UnionAsstated in our previous response with this particular member, we have tried multiple times towork with him in the past to address his issues and reach a mutually agreeable resolution;including entering into modification agreements to lower his monthly payments and reduce hisinterest ratesThe fact remains that, to date, the credit union still has a valid lien on theMercedes referenced in his complaintCalifornia Coast Credit Union and its attorneys havereviewed this account extensively and find no merit in our member's complaintBecause thecredit union's lien has not been satisfied, the Credit Union has no obligation to release title onthis vehicle.Despite our numerous attempts to work with our member in the past and our various letters tohim responding to his complaints and explaining our position in writing, our member continuesto submit complaintsWe regret that our member is dissatisfied with our previous responses,however California Coast Credit Union has cooperated and responded to this member'scomplaints on several occasions and would now like to consider this matter closed.Should you have any further questions regarding this matter, please do not hesitate to call me at877-495-1600.Sincerely, [redacted] Chief Lending OfficerCalifornia Coast Credit Union
Gentlemen:You are falling to address the number 1 issue, did you or did you not receive the Cease and Desist document prior to Proof of "Purported Debt"? The document was sent and received by your attorney, to this day you have "NO CLAIM"! So let the record show that CCCU its Managers, Attorneys, Investigators, Recovery Agents and all those involved who understand the truth and are concealing it are guilty under the Most high's Laws, Statutes, Commandments and Covenants written in the book of Leviticus, he will redeem us. However the "Lawless" and the "Liar's" those who oppose his Law will be dealt with one at a time. CCCU has committed "Fraud" against me and my family if they will do it to me they will do it to you beware of the business practices of CCCU the "Lawless" one's those who oppose the Most high to his face with lies and misrepresentation.Let the record show this case to every last Member of California Coast Credit Union that they will have the knowledge to protect themselves from those that will exploit them if the opportunity presents itself. Soon the un righteous will be out of business under what is called the "GLOBAL CURRENCY RESET", and after the G-20 meeting your useless dollar is now just a paper investment not even counted as currency, as a result there is no more FDIC insurance or anything else because your dollar is dead, your un righteous company will be the first to go out of business because Wall Street is now controlled by [redacted] I and the Federal Reserve is insolvent, and this broke government can't protect you because they are not the world reserve currency, you will be the first to go, remember these words those who lend money at usury. [redacted] BP.S It's not over!
Good morning,
I am attaching our reply to Mr***'s complaint
Thank you!February 9, 2015Ms*** ***Revdex.comMurphy Canyon, Suite 110San Diego, CA 92123RE: Complaint 10: ***James *** ***Dear Ms ***,This letter is written in response to your inquiry dated
concerning the above referenced complaintThecomplaint alleges that California Coast Credit Union is trying to collect additional sums of money from Mr***.Collateral protection insurance ("CPI"), is purchased by a secured lender such as California Coast upon the failureof its borrower to maintain his/her own physical damage coverage on the collateral as required by the loanagreementAt the time Mr*** executed his loan agreement with California Coast, he agreed to obtain andcontinuously maintain adequate insurance covering the collateral for the duration of the loanMr*** executedhis loan agreement August 16, and was to provide acceptable proof of insurance on the collateral effectivethis same date.Notices were sent to Mr*** on September lOth and November 26'h, requesting proof of insuranceThenotices sent to Mr*** set forth the insurance requirements and where to submit the requested documentation.Acceptable proof of insurance effective August 16, 2014, was not provided and CPI was placed on December s'h,2014, effective August 16'h to September 22"d, 2014.A recent inquiry on January 2ih, 201S, through *** confirms that Mr***'s vehicle was added to hisinsurance coverage September 22, 2014, confirming a lapse in coverage from August to September 22, 2014.All activity and transactions on the account have been reviewed and all action California Coast Credit Union hastaken is in accordance with the original contract terms and established protocols for collateral protectionrequirements.We take pride in being proactive in assisting our members during difficult times and recognize that while Mr***was trying to get the matter resolved, the insurance requirements were not met by his insurance providerWiththat being said, and in order to maintain the good faith of our member we will provide a refund in the amount of$for the CPI premium that was added for the Expedition.Please feel free to contact me if you have any further questions.Sincerely,Christine ** ***Manager, Loan ServicingP.OBox 502080, San Diego, CA 92150-2080858.495.1600/I Fax I www.calcoastcu.org
October 31,
*** ***
*** *** ***
*** *** ** ***
Dear Mr***;
Thank you for taking the time to speak with me todayIt helped me to understand the
situation regarding the returned deposited item and subsequent problems on the account
Your card was revoked
due to the deposit returned to us for non sufficient fundsYou
explained that you were working out of town and couldn't make a deposit through the
ATM to take care ofthe negative balance on your accountCash deposits were made at
our branch however with the fees deducted the balance was not sufficient to cover all of
the items that were presentedAlthough the fees are valid, we have credited $ in
fees after our discussion todayWe have reinstated the card and you are aware that
deposits made will have holds in accordance with regulations
We look forward to continuing to service your future financial needsPlease call us at
(877) 495-if you have further questions
Very truly yours,
CALIFORNIA COAST CREDIT UNION
*** ***-D' ***
AVP, Support Services
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. The business took responsibility and reversed all charges, I will consider this complaint resolved
Regards,
*** ***
March 18, 2015*** *** *** ***
*** ** ***RE: Revdex.com Complaint Dear Mr***;It was a pleasure speaking with you today regarding your account and the fees associated withoverdraft.Our records indicate you were charged a total of $in fees from the
period of 2/23/through3/12/During that same period fees totaling $were credited to your account, Today anadditional $in fees was credited to your checking accountAlthough the fees were valid asdisclosed, the fees have been reversed as a courtesyAs per our discussion, you understand theoverdraft feesThe card courtesy program that you originally opted in to has been terminated as peryour request.Please feel free to call me at *** *** if you have further questions.Sincerely,*** *** ***AVP, Support Services
RE: Complaint ID: [redacted] - [redacted] This letter is written in response to your inquiry dated 08/27/2016 concerning the above referenced complaint. The complaint alleges that California Coast Credit Union failed to process Mr. [redacted] insurance documents and...
wrongfully added Collateral Protection Insurance (CPI) to his auto loan. Collateral protection insurance (CPI), is purchased by a secured lender such as California Coast upon the failure of its borrower to maintain his/her own physical damage coverage on the collateral as required by the loan agreement. At the time Mr. [redacted] executed his loan agreement with California Coast, the dealer provided information that the insurance would expire on 01/14/2016. Notices were sent to Mr. [redacted] on March 27th and April 27th with no response. The third notice that was sent on May 8th was received back as “Return to Sender - Unable to forward”. Acceptable proof of insurance was not provided and CPI was placed on June 24th.On August 25th 2016 Mr. [redacted] contacted our collections department with regard to the account. When the advisor informed Mr. [redacted] about the insurance lapse and invalid address he stated he has always had insurance. After additional negotiations with Mr. [redacted] he agreed to contact his insurance but would not provide us with a current correct mailing address. Current contact information is key in ensuring that we can communicate with our members about their accounts. On 08/29/2016 the insurance company provided the necessary insurance information. Upon receipt of these documents, the entire CPI premium was refunded along with associated interest and late charges. We have also taken steps to ensure that credit bureau reports will not reflect any past due payments related to this event. All activity and transactions on the account have been reviewed and all action California Coast Credit Union has taken is in accordance with the original contract terms and established protocols for CPI requirements. We take pride in being proactive in assisting our members and recognize the importance of keeping our members informed about their accounts at all times. Please feel free to contact me if you have any further questions.Sincerely,[redacted]Manager, Loan Servicing
November 17, 2014
Revdex.com
4747 Viewridge Ave Suite 200
San Diego, CA 92123
RE: Complaint# [redacted]
To Whom It May Concern:
California Coast Credit Union values its members and takes member complaints very seriously. We are in
receipt of complaint [redacted] sent by the...
Revdex.com regarding our members vehicle loan
with California Coast. Unfortunately, with this particular member, we have tried multiple times to work
with him in the past to address his issues and reach a mutually agreeable resolution, including entering
into modification agreements to lower his monthly payments and reduce his interest rates. The fact
remains that, to date, the credit union still has a valid lien on the Mercedes referenced in his complaint.
The fact this member's debt was discharged in bankruptcy does not render the credit union's lien
valueless or unenforceable, as a creditor's security interests in property survives a bankruptcy discharge,
unless the bankruptcy court orders otherwise. In this case there is no basis for a court to void the credit
union's lien, so the lien remains intact. Because the credit union's lien has not been satisfied, the credit
union is unwilling to release title to the vehicle free and clear.
The credit union categorically denies that any employee or agent of California Coast has plotted or
conspired against this member as he suggests in his complaint. The credit union also denies that it has
deceived or harassed this member and/or his family as he claims. Any loan agreement or modification
agreement entered into by this member was done so by him willingly and in writing. Despite our
numerous attempts to work with him in the past and our various letters to him responding to his
complaints and explaining our position in writing, the credit union remains ready and willing to discuss
this member's accounts with him in detail.
Should you have any further questions regarding this matter, please do not hesitate to call me at 877-495-
1600.
Sincerely,
[redacted]
Chief Lending Officer
California Coast Credit Union
To whom it may concern:On January 21, 2016 California Coast Credit Union received correspondence from the Revdex.com regarding [redacted], Thank for the opportunity to review and respond to this matter. In his complaint Mr. [redacted] states that California Coast Credit Union did not try to...
contact via e-mail regarding a business matter, Correspondence was mailed to the address on file provided by Mr. [redacted]. However as indicated in his complaint he moved from that address. Eventually he moved back to this address and received the time sensitive correspondence. When he received his mail he contacted the credit union immediately to address the matter.The matter was investigated and the information was reported correctly to the credit bureau. However, as Mr. [redacted] points out in his letter there were extenuating circumstances in his situation. In consideration of these circumstances California Coast Credit Union will amend the information reported and remove the derogatory reporting. It is important to note when payment arrives thirty (30) or more days from the due date the CU is required to report this to the credit bureaus. We ask that If Mr. [redacted] is aware that he will not be receiving mail at the address provided to the credit union that he contact the credit union with updated information.Regards,[redacted] AVP Collection and Loss Recovery California Coast Credit Union
Gentlemen:You are falling to address the number 1 issue, did you or did you not receive the Cease and Desist document prior to Proof of "Purported Debt"? The document was sent and received by your attorney, to this day you have "NO CLAIM"! So let the record show that CCCU its Managers, Attorneys, Investigators, Recovery Agents and all those involved who understand the truth and are concealing it are guilty under the Most high's Laws, Statutes, Commandments and Covenants written in the book of Leviticus, he will redeem us. However the "Lawless" and the "Liar's" those who oppose his Law will be dealt with one at a time. CCCU has committed "Fraud" against me and my family if they will do it to me they will do it to you beware of the business practices of CCCU the "Lawless" one's those who oppose the Most high to his face with lies and misrepresentation.Let the record show this case to every last Member of California Coast Credit Union that they will have the knowledge to protect themselves from those that will exploit them if the opportunity presents itself. Soon the un righteous will be out of business under what is called the "GLOBAL CURRENCY RESET", and after the G-20 meeting your useless dollar is now just a paper investment not even counted as currency, as a result there is no more FDIC insurance or anything else because your dollar is dead, your un righteous company will be the first to go out of business because Wall Street is now controlled by [redacted]i and the Federal Reserve is insolvent, and this broke government can't protect you because they are not the world reserve currency, you will be the first to go, remember these words those who lend money at usury. [redacted] BP.S It's not over!
December 2, 2014Revdex.com4747 Viewridge Ave Suite 200San Diego, CA 92123RE: Complaint# [redacted]To Whom It May Concern:California Coast Credit Union values its members and takes member complaints very seriously.We are in receipt of our member's second complaint, number 1[redacted] sent by the BetterBusiness Bureau regarding our member's vehicle loan with California Coast Credit Union. Asstated in our previous response with this particular member, we have tried multiple times towork with him in the past to address his issues and reach a mutually agreeable resolution;including entering into modification agreements to lower his monthly payments and reduce hisinterest rates. The fact remains that, to date, the credit union still has a valid lien on theMercedes referenced in his complaint. California Coast Credit Union and its attorneys havereviewed this account extensively and find no merit in our member's complaint. Because thecredit union's lien has not been satisfied, the Credit Union has no obligation to release title onthis vehicle.Despite our numerous attempts to work with our member in the past and our various letters tohim responding to his complaints and explaining our position in writing, our member continuesto submit complaints. We regret that our member is dissatisfied with our previous responses,however California Coast Credit Union has cooperated and responded to this member'scomplaints on several occasions and would now like to consider this matter closed.Should you have any further questions regarding this matter, please do not hesitate to call me at877-495-1600.Sincerely,[redacted]Chief Lending OfficerCalifornia Coast Credit Union
Revdex.com 4747 Viewridge Ave #200 San Diego, CA 92123 Re: [redacted] To Whom It May Concern: Mr. [redacted] originally applied in January 2017 to purchase a private party vehicle, but did not follow up after he was sent the list of items needed to...
complete a private party purchase at that time. When he re-applied for the same purpose in April 2017, there were only a few days to complete everything before the seller had to leave the country. When the flight of the seller was moved up a day, the one signature needed to complete the [redacted] portion of this transaction was not possible to obtain. We could have obtained the sellers signature “in advance”, but failed to do so, which prevented fina[redacted]ing this transaction in a timely manner. I have corresponded with Mr. [redacted] by e-mail and he does want to proceed with this refinance. We are sending the necessary [redacted] form by mail using [redacted] International to get the seller’s signature. Mr. [redacted] provided the overseas address. Once that form is received we can fina[redacted]e the private party transaction. Additional training is being provided to our employee by her manager to understand ways to handle specific transactions like this and others that are “out-of-the-box” situations. Sincerely, [redacted]. [redacted] California Coast Credit Union AVP Credit Services Tell us why here...
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is greatly appreciated. Finally the little guy, got a break. I also appreciate the bank excepting human error as cause of this matter, and it was unfortunate. I will wait for the business to perform this action and, if it does, will consider this complaint resolved, and I am taking their word that my credit will not suffer from this ordeal.Professionally yours,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]
Mr. [redacted]
[redacted]
[redacted], [redacted]
RE: Revdex.com ID#[redacted]
Dear Mr. [redacted],
California Coast Credit Union received your correspondence sent to the Revdex.com requesting reimbursement of Debit Card Overdraft fees. We value...
your membership and your concerns are important to us.
On February 10, 2014 you opted-in to Debit Card Courtesy Pay, authorizing the credit union to pay Debit Card transactions when sufficient funds are not available, agreeing to pay a $27.00 fee for each transaction that overdraws your account by more than $20.00. You may opt-out of this service; however, your Debit Card transactions may be declined should your available balance be insufficient to cover the transactions.
As a courtesy, $297.00 in Debit Card overdraft fees were refunded to your checking account. Our records indicate that on December 22, 2015 the credit union previously refunded $102.50 in fees that were also incurred as a result of Debit Card transactions posted to your account when there were insufficient funds available to cover the transactions.
In response to your comment about the way the credit union processed your Debit Card transactions, please be advised that transactions are posted from merchants as received; seven days a week, 24 hours a day. At the time of the $120.49 [redacted] transaction on March 28, your available balance was $23.21. At that point, the credit union had not yet received the Debit Card transactions from the weekend, but the funds were on hold and the transactions were posted after the [redacted] transaction had posted.
You may view your Debit Card holds (authorized transactions that have not posted to your account)
in online banking by clicking on “Holds” on the Account Summary page.
California Coast Credit Union’s goal is to provide exceptional service. If you additional questions, please feel free to call me at [redacted].
Sincerely,
[redacted]
Vice President, Operations
cc: Revdex.com
This letter is written in response to your inquiry dated 06.15.2016 concerning the above referenced complaint. The complaint alleges that California Coast Credit Union is trying to collect additional sums of money from Ms. [redacted]. At the time Ms. [redacted] executed her loan agreement with...
California Coast, she agreed to pay the sum of $17,702.00 plus interest. Ms. [redacted] made several payments prior to trading in her vehicle to [redacted] on 04.05.16 at which time a payoff amount of $13,168.24 was quoted in error, the correct amount was $15,168.24. This error resulted in a payoff shortage of $2,000. Upon receipt of the check in the amount of $13,168.24 the title was released to the dealer in error. California Coast contacted the member to explain that an error was made leaving a $2,000 balance still unpaid on the loan. We apologized and agreed that it was our error first in the incorrect quote and 2nd in releasing the title. We offered to lower the monthly payment to $35.05 to assist Ms. [redacted] with the re-payment of the $2,000 while maintaining the auto secured rate of 1.98%. We assured the member there would be no negative impact to her credit due to the lower monthly payments. Ms. [redacted] declined the offer stating it was our error and she would not accept responsibility for our mistake. All activity and transactions on the account have been reviewed and I can assure you that no action other than to collect the remaining balance of our loan has been taken. There were no threats made to Ms. [redacted], only established protocols to assist any member with a deficiency balance. We take pride in being proactive in admitting our error while offering to help our member arrive at a solution. With that being said, and in order to maintain the good faith of our member we will write off the remaining $2,000 balance with no negative impact to Ms. [redacted]’s credit.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.
Regards,
[redacted]
I reject their offer, I would agree to pay only 50% of the late fees on my account no more.Thank you.
Mr.[redacted]:I call your attention to our document dated June 11,2010 Demand to Cease and Desist Collection Activities Prior to "Validation Of Purported Debt". CCCU as well as [redacted],& [redacted] was given 72 hours under the Fair Debt Collection Practices Act, 15 U.S.C & 1601, 1692 et seq. Including Mandatory disclosure requirements under Title 5 [redacted]. GAAP required under Title 12 U.S.C. 248 & 347 in strict compliance with FAS 125, 133, 140,5, 95. "Your 72 hours to disclose Mandatory accounting information by law has passed" therefore your Lien is void. As to categorically denying that Sr. VP [redacted] constructed in cooperation with [redacted] President, [redacted] Vice President, Investigator [redacted] in Collaboration with [redacted] Services, [redacted] Company [redacted], [redacted] Collection Agency, [redacted] Services [redacted] LLC [redacted], [redacted], which by our own investigation we determined several of these firms were out of State once they received the Demand to Cease and Desist Collection Activities Prior to Validation of Purported Debt they acknowledge receipt and halted their recovery efforts this action alone confirms CCCU is well aware of this document and is dated June 11, 2010 Therefore for the record let it be noted that as we have stated CCCU and it's Affiliates illegally harassed us day and night at our home and offices after receipt of the Demand to Cease and Desist while my wife was near death with CHF and we have documented your actions and can prove our case.Also for the record and your "DENIAL" the following agencies have been contacted and advised pertaining to the activities while they were happening in "REAL TIME" of CCCU: The FBI, case [redacted]The Department of Financial Institutions (CN) [redacted]The Attorney Generals Office, [redacted] case PIU [redacted] The Attorney Generals Office, [redacted], Texas [redacted]Carlsbad PD. [redacted]Federal Trade Commission ref. [redacted]The State Bar of California, Chief Trial Counsel Intake Unit "Rules of Professional Conduct Section" 110 Absent good-faith papertrail of Attorney during bad-faith papertrail of Attorney Obviously by your reply Mr. [redacted] you have not had time to research the liabilities for CCCU in this case. Your lien has been void since June 14th,2011 and the following agencies and your co-conspirators have verified their actions by up holding the "DEMAND" let the evidence show by CCCU's actions to hire and re hire recovery agents because their fraudulent collections efforts failed and we have proof this was all spearheaded by [redacted] and the facts cannot be denied, her resignation is at hand.[redacted]