Consumers Credit Union

Complaint: ***
I am rejecting this response because: I will consult a lawyer
Sincerely,
*** ***

Hello Vanessa - We're very sorry about the back-and-forth you've had between the state, Consumers CU and other financial institutions with your *** Tundra. In researching your case, it appears as of 6/12/you've connected with one of our team members who specializes in
Titles: Terry E*** Terry will be able to guide you to resolutionHer contact information is TerryE*** or *** Please reach out to us with any further questions, comments or feedback. Consumers Credit Union***

Hello,It would appear that this has been resolved and that the Member has spoken with the head of our Collections Department Vince CThe Principle amount was settled uponShould the Member have any further questions regarding the situation he can feel free to contact us anytime at
[email protected] or at Thanks!

Dear Steven,We have received your request and would like to provide you with feedbackWe have been in review of the conversations that have taken place on May 11th, At this time we have verified that no denial for validation of the debt took placeWe are able to provide you the requested
documentation, to your spouse’s current address. Addressing concern for the differentiating amount you are inquiring about, this is for additional collection costs associated with the *** Consulting. *** Consulting*** * *** ** * *** *** *** ** ***###-###-#### Regards,Consumers Credit Union###-###-####myconsumers.org

Mr*** account with Consumers *** *** was closed on January 16, 2016? due to increased risk exposure to our *** ***.? Prior to? January 19th? Mr*** was informed that his account was frozen and under investigation by a call center representative and via
written communication.? On? January 19, 2016? all remaining funds in the account were sent by overnight mail (***) to Mr***

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
Sincerely,
Leonard ***

Consumers Credit Union’s Membership and Account Agreement states “By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this agreement and Account Card, the Funds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Funds Transfer Agreement and Disclosure, Privacy Notice Disclosure, any Account Deposit Receipt accompanying this agreement, and the credit union’s bylaws and policies, and any amendments to these documents from time to time which collectively govern your memberships and accounts.” CCU completed a credit review on February 29, due to the *** credit card being 61+ days delinquentThe collection notice mailed to Brittany informing her the *** credit card may be closed if payment was not receivedA monthly statement will continue to be mailed each month until the balance is paid in fullThe monthly statement shows an available credit limit of “NONE”This is indication that the *** credit card account has been closed? ?

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to mePlease send the verification of debt, any and all documents that will prove ownership and liability, written confirmation that the debt has been assigned/sold/transferred to *** Consulting and also a copy of the original AND signed contract pertaining to collection fees to my spouse’s address within the next days from the date of this response.?
Sincerely,
Steven ***

Monique -? ? We apologize for the inconvenience our system conversion caused in getting a hold of one of our representatives to review your inquiryThe fees assessed are applicable when you make more than transactions (withdrawals or transfers) from your savings account on a monthly
basisYou can see this language in section of our Truth-in-Savings document: https://www.myconsumers.org/docs/default-source/default-document-library/tis_sha...⇄ For each transfer that is greater than 6, a $fee is assessed on each occurrenceDue to the inconvenience of getting a hold of someone, we will be refunding half of the fees assessedWe’d strongly encourage you to open a Free Rewards Checking account as you can make as many transactions as you’d likeAs long as funds are available in your checking account, you will not receive a fee for excessive transactions like you would with a savings accountThis can be done online anytime at myconsumers.org or via phone by calling *** ext***.? Consumers Credit Union###-###-#### | myconsumers.org

Consumers Credit Union is in regulatory compliance, and? our credit inquiry was run in conjuction with Mr***'s verbal request for a loan application.? ? We are not required to obtain a signature.? The inquiry was a valid inquiry and cannot be removed

Mr*** -? On behalf of Consumers Credit Union (CCU), I'd like to apologize for the inconvenience and added stress we've put on you during this timeI'd also like to apologize for the delay in getting back to you, as we not only wanted to respond right away, but we'd like to ensure this is
put to rest for you for goodAfter doing some digging, we have uncovered the issue for the day delinquency reportingWhen the loan payment was obtained, it was $short of satisfying the full paymentBecause the payment wasn't made in full, the loan reported as the payment not being fully madeWhile this is true, we take full responsibility for the miscue and have already begun the process on our side to remedy your credit historyWithin the next 30-days, the day delinquency will be removed and the CCU loan payment history will show each payment was made until the loan was paid in full.Again, we apologize for this situation, but when something is on our end (people or systems) we'll do our very best to fix it.? Should you want to talk further on this matter, please contact us via email at ***@myconsumers.org and we'll connect you to the proper parties.? ? Regards,Consumers Credit Union***
***

Hello Mandy,We're following up to close out this complaint as it is our understanding that our Team has followed up with you regarding your concerns and both sides have reached a resolution. Should you have any follow up questions or concerns for us, please feel free to contact us at any time by...

emailing [email protected] or by calling us directly at [redacted]. Thank you again, for your feedback and your review. It is our hope to retain you as a Member as we do very much value your Membership and the financial relationship that we share with you.

Consumers Credit Union’s Membership and Account Agreement states “By signing an Account Card, each of you, jointly and severally, agree to the terms and conditions in this agreement and Account Card, the Funds Availability Policy Disclosure, Truth-in-Savings Disclosure, Electronic Funds Transfer Agreement and Disclosure, Privacy Notice Disclosure, any Account Deposit Receipt accompanying this agreement, and the credit union’s bylaws and policies, and any amendments to these documents from time to time which collectively govern your memberships and accounts.” CCU completed a credit review on February 29, 2016 due to the [redacted] credit card being 61+ days delinquent. The collection notice mailed to Brittany informing her the [redacted] credit card may be closed if payment was not received. A monthly statement will continue to be mailed each month until the balance is paid in full. The monthly statement shows an available credit limit of “NONE”. This is indication that the [redacted] credit card account has been closed.

Hello Victor, Thank you for leaving your review. We would like you to know that we value all Member feedback and concerns and that your opinion is very important to us. After a bit of research we were able to collect some information we’d like to share with you regarding your recent loan. Your...

account was not charged a premium.   The reason for the letters and where the misunderstanding may have come in was from your loan that was setup on 9/1/2017. Per the loan agreement, the loan needs to be insured from the date of the loan. The date we have for the policy on the new vehicle shows as 9/5/2017. This is 4 days after the loan contract. Since you provided proof of coverage between those dates (9/1 and 9/5), the premium was not applied.   Our hope is that this information helps with your current issue. We apologize for any inconvenience you have experienced as a result of this, and we are here and would be more than happy to discuss this further if you have any further inquiries. Please feel free to contact us by email directly at [email protected], or calling us at ###-###-####.

[redacted] opened her [redacted] credit card account May 29,
2015. The card was closed February 26, 2016 due to delinquency. At this time,
there had not been a payment made since November 3, 2015. Members are informed
of Consumers Credit Union’s right to cancel the account in the event...

of
delinquency in the account agreement that is provided at the time of account
opening. Per this agreement, notice by the Credit Union is not required.  
 
As of May 7, 2016, there has been a total of three $25 late
fees charged to this [redacted] credit card account throughout the life of the
account. [redacted] has received two $25 fee refunds as a courtesy; first on
September 3, 2015 and again on March 1, 2016. Consumers Credit Union will not
provide additional late fee reversals. Late fees will continue to be charged
each month the minimum payment is not satisfied within 5 calendar days of the
payment due date.  
 
Consumers Credit Union is reporting this card as closed with
a balance owed to the credit agencies. We are also reporting the delinquency.
We will continue to report the card status and balance each month until the
account has been paid in full.  
 
[redacted] is responsible for the full balance. Late fees will
continue to be applied to the [redacted] credit card account per the guidelines
stated above. This has the potential to increase the balance owed each month.
 
 
The credit inquiry was not in conjunction with the VISA
credit card. Consumers Credit Union reserves the right to complete a credit
review at any time per our Membership guidelines.

On behalf of Consumers Cooperative Credit Union (CCU), I would like to first apologize for the inconvenience caused to Moshe [redacted].   Our investigation and monitoring team at CCU reviews our Members’ information from time-to-time and, when necessary, take action to prevent losses to...

the credit union deemed. Being a not-for-profit financial cooperative, one of our objectives is to ensure long-term safety and soundness for our Membership at large. Per our Membership Agreement (viewable by this link: https://www.myconsumers.org/documents/CCU_Membership_Booklet_Complete.pdf...⇄ on page 8 (line 28) we reserve the right to terminate your account at any time without notice to you. In addition, we have had several phone interactions with Moshe [redacted] relaying the decision to close the account due to the inability to verify information and providing any additional information that is permissible to be provided. All funds deposited have been returned to the address listed on the application.  Dave [redacted]VP, Sales and [email protected] | p

Hello,It would appear that this has been resolved and that the Member has spoken with the head of our Collections Department Vince C. The Principle amount was settled upon. Should the Member have any further questions regarding the situation he can feel free to contact us anytime at...

[email protected] or at 877.275.2228.  Thanks!

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Sincerely,
Leonard [redacted]

Initial Business Response /* (1000, 5, 2014/02/13) */
On February 7th, the co-owner of the membership visited one of our branches and spoke with the branch manager regarding the loan payment being applied to the incorrect loan. The branch manager submitted a request to our Accounting...

department to have the loan payment applied to the correct loan but unfortunately the request was not processed. After receiving a phone call on 2/11/14 the primary member, Mr. [redacted] contacted the branch manager regarding the phone call and the unprocessed correction. The Branch manager immediately addressed the situation and all the necessary corrections have been made. In reference to the members unaware they financed with Consumers Credit Union through the dealership, a welcome letter was mailed to our members and a monthly statement is also generated. Our members are set up on electronic statements which is why they did not receive the statement by mail to their home address.
Initial Consumer Rebuttal /* (3000, 7, 2014/02/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
We had though [redacted] went in on Monday Feb 3rd because the 1st notice we received was dated the 31st, but in fact as we looked thru text messages it was on Thu the 6th that she went in at which time she was told by branch manager that teller had applied payment towards the wrong vehicle - even though it was clearly written on the check towards which vehicle payment was being made , she was also told by the branch manager right then and there in ger own words "I am removing payment from [redacted] and appllying it towards [redacted] and backdating payment" which sounds to me like problem has been corrected right then and there when in fact that was a lie. Consumers also claims it was Fri the 7th she walked in when it was not- I am sure this can be proven by reviewing video tapes. Point being is it still took 5 business days and a lot of hassle on our part to correct the problem - therefore we no longer trust this institution to handle our financial payments since this could be a recurring event and we do not want to go thru this type of series of events again and subsequently the [redacted] loan has already been transferred to another bank which cost us $95 out of our pocket- this needs to be reimbursed to us by Consumers Credit Union and we are prepared to go to small claims court if that is what it takes to make this right
My wife wants me to add....she even talked with the manager about possibly refinancing the loan under her name only so it was separate and this mistake could not happen again by being applied to the wrong car. When I got the call on the 11th at work and told her about it she was fed up and made me call the next day to see what happened. When I had told her that the manager said she "submitted" it to the accounting department and didn't know why they didn't fix it she then knew she did not trust them any more especially after the problem was supposedly fixed on the computer right in front of her the day she was in there. She was not told it would be passed on to a different dept. or she would have followed up.
Final Business Response /* (4000, 15, 2014/04/03) */
A response including the email address for Mr. [redacted] was submitted on 03/03/14 but was not received by the Revdex.com.
On 03/04/14 the loan in reference was paid in full. $95 has been deposited into Mr. [redacted]'s savings account at Consumers Credit Union. If Mr. [redacted] still wishes to provide the paperwork initially requested it can be sent to [redacted]@myconsumers.org Attn: [redacted] L
Final Consumer Response /* (4200, 11, 2014/02/26) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Can you please provide an e mail address to send the proof of loan so we can get the $95 fee refunded to us - Dealership said they have contacted Consumers already to notify them of transfer of loan to US bank - [redacted] is just waiting for payout of the loan from [redacted] and they will be issuing a check to Consumers for the entire loan balance
3-6-14 additional info from consumer:
Car has been paid off now by [redacted] and I still have not received an e mail address as requested to send a copy of the title transfer paperwork-so we can get reimbursed by Consumers- I do not have a fax machine and work too long of hours to go in person to the branch

Hello Leonard,Thank you so much for your feedback concerning the credit union and your experience. We want you to know we value all Member feedback and appreciate you taking the time to post your concerns. It appears as though you've connected with our New Accounts Manager outside of this...

forum. We're copying the response she has provided you and hope this meets your desired outcome. I hope this note finds you well. My name is Heather [redacted] and I manage the New Accounts Department here at CCU. First and foremost, I would like to thank you for your feedback on your experience with Daryl, as well as with CCU. I apologize this particular experience was a poor one and I will do my due diligence to ensure this does not occur moving forward. Feedback, both the positive and negative, are important so we are able to better coach our employees, to evolve as an organization, and to provide the best Member experience possible.  When researching this matter further, Daryl started a new account application for you, but ended up withdrawing it on Friday, November 10th. A separate account was not opened solely in your name. I do still see you are joint Member with your wife on 3 accounts with us: Membership Share Savings, Free Checking, and Secondary Saving, but a new, separate account was not created for you. As part of the new account application, $10 was taken ($5 deposit into Membership Share Savings, $5 Membership fee). This was processed as a pre-authorization (pending charge). Since the new account was not commenced however, we returned the $10 to your financial institution at time of application withdrawal (November 10th). This does take 2-5 business days to reflect on your end. I hope this helps to resolve the concerns your letter detailed. If not, please let me know. As I stated above, I will be addressing this experience in detail to ensure these types of Member interactions do not happen moving forward. If you do have further questions or concerns, please feel free to contact me directly. I will also paste this response to the Revdex.com Complaint we received. Thank you again for your feedback.   Heather [redacted]