[redacted] ’s concern in the initial Revdex.com complaint was related to an insurance check that was sent from MetLife for an accident she incurred As the lienholder of the vehicle, we assisted with the payment directly to the repair shop that [redacted] chose in AZ [redacted] authorized the payment to the repair shop to [redacted] , VP- Lending, Analytics & Credit Risk, on 2/22/ In addition, the overage funds from the insurance check were placed in [redacted] ’s savings account at her request under these circumstances, our standard practice is to utilize any remaining funds to toward the principal balance on the outstanding loan, we're the lien holder on Considering her situation, we'd decided against that in good faith In regards to the newly stated issues she is experiencing with the vehicle, as a result of the tire coming off the vehicle, that is between [redacted] and the repair shop she chose If/when [redacted] submits an application for a new car, or additional repairs to the exhisting vehicle, we will review and decision an application, once submitted To date, no application has been submittedWe're considering this our final response and the complaint closed
***, from our collections department, received a VM at at 4:21AM this morning from [redacted] .Summit (***) is resending the required documents to pursue option #that we'd provided We will send documents to both Mesa, AZ address and Wild Rose, WI address ( she will be back to this address around 10.29.16) in hopes she gets them Once returned and signed we will maintenance accordingly Thank you
There was a misunderstanding with the customer and which service they had believed was selected at time of saleThe misunderstanding caused the past due BillingsSince, we have spoken to the customer, and came to a mutual decisionThe customer has been fully refunded and we restructured the service they have with us
January 6, [redacted] ** [redacted] AUTOTEXTLIST Re: Complaint [redacted] Dear Revdex.com: I am writing in response to complaint [redacted] filed to the Revdex.com on January 1, by Mr [redacted] In the complaint he stated even though he had money in his account, he was charged overdraft fees on 12/21/in the amount of $ Mr [redacted] had an available balance of $ on 12/That day, the following debit transactions, totaling $36.68, were authorized but not posted to Mr [redacted] ’s account: $8.99, $10.97, $13.72, and $These authorizations brought his available balance to - On 12/20, the day of the first overdraft, his available account balance was -.59, when a transaction for $was posted that day, it resulted in an overdraft feeThat transaction and the overdraft fee brought his account further into the negative, and once the approved transactions from 12/posted on 12/and 12/21; they continued to bring his account negative, resulting in additional fees In light of the amount the account was negative, timing of the transactions, and number of fees, we have credited Mr [redacted] $ Mr [redacted] has “opted-in” to overdraft coverage which, for a fee, permits transactions to be approved without available fundsUnless he opts out of this feature, future transactions with his debit card will continue to be approved when there are insufficient funds in his account and will be subject to the applicable overdraft fee when they are posted to his account If Mr [redacted] would prefer to opt-out of overdraft coverage he can simply call 608-243-and we will take the coverage off his accountIf so, any future debit card transactions may be denied if funds are not available on his account, and that may cause inconvenience for him Thank you, [redacted] ***
September 29, [redacted] J [redacted] Re: Complaint [redacted] Dear Ms***, I am writing in response to complaint # [redacted] filed to the Revdex.com on September 16, In the complaint, you raised concerns about not hearing back from Summit in a timely manner, the additional coverage on your loans, and payment arrangements options Unfortunately, in review of your situation and account status you did not elect Involuntary Unemployment on loan nor loan You elected Option 3; which covers Loss of Life, Disability, and Family LeaveThe separate contracts are attached for your review In consideration of your situation, we have two options: A reduction in payment via a Subsequent Action form to make concessions on rate/ term- $50.00/ month on L(currently $160) and $150/ month on L(currently $240) A 2-month extension on each loan Please contact [redacted] ***, AVP-Collections, at ###-###-#### to inform of your selected option Additionally, in response to your concern regarding our timeliness to respond, I apologizeAs a result of the member experience you’ve described, we’ve credited your account $for our delay in response time Thank you for your membership [redacted] VP-Sales Development Summit Credit Union
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.It appears everything has been correctedShe did not want to have the reinstatement date of the loans at the end of this monthNot clear why, but I just want this resolved; which basically it is nowThank you for your assistance, [redacted] ***
February 22, Department of Financial Institutions State of Wisconsin Attn: [redacted] ReComplaint of [redacted] # [redacted] Dear Mr [redacted] , Thank you for bringing this matter to our attention [redacted] first reached out to us related to vehicle repairs and an injury that she suffered after an accident in late December on February 14th via an email to our Member Services area When I discussed her concerns with her she indicated she needs her vehicle repaired and wanted us to pay for the repairs In addition, she wanted us to pay for her rental car expense I explained our relationship as the lienholder and offered to help with the repair process and that she should work with the insurance company to resolve the rental car payments At that time she was undecided on the auto body shop she would be using for the repairs Our conversations continued and I urged her to locate a repair shop that would invoice for the work vs demanding payment up front as the shops she had spoken with had required so we could assure the repairs would be complete before paymentI explained this would be her best interest for payment to be made after the repairs At the same time we offered to issue a letter of guaranty to the repair shop if needed to support the repairs being completed [redacted] chose Big O Tires to repair the vehicle They were able to invoice for the repairs and kept in contact as the repair was completed over the course of two days Summit received a claim check from MetLife in the amount of $as a payoff for the loan balance We discussed the balance due to Big O Tires and [redacted] acknowledged the final invoice remittance in the amount of $ We issued a check to Big O Tires and sent it overnight The remaining funds of $were placed into [redacted] ’s savings account so she could have access to the funds for medical bills or payment for the rental car as she sees fit This balance was meant to be paid against the outstanding loan balance, however, we felt that due to [redacted] ’s financial situation and her request to pay medical bills and the rental car payment, the funds would be best used as she had requested Please let us know if you need anything else regarding this matterIf not, we will consider this matter closed and resolved Thank you, [redacted] VP Lending, Analytics & Credit Risk Summit Credit Union ###-###-####
At the beginning of the day 5/13/2017, your account had a balance of $Your available balance was $based on purchases you had made that had not yet posted to your account You made three purchases and did not have available funds in your accountBecause you elected to have overdraft coverage on your account, these purchases were paid and you were assessed a fee for each transactionI do see that you called and spoke to one of our representativesWe explained that when you make a purchase with your debit card, merchants don’t always post them to your account immediatelyThe funds are held until the purchase transaction is posted to your account The same situation occurred on your account on 5/19/Numerous transaction were made on the account that day, some posting immediately and others creating a hold until the purchase posts to the accountOur representative choose not to refund additional fees as the credit union did not make an error and we had recently refunded fees and explained this to youWhen using your ledger to keep track of your balance, it is important to note each purchase as you make themThen you will have a better idea of what you actually have left to spendIn order to prevent additional situations like this which will cause more fees, I would be happy to remove your overdraft coverageWhen you make purchases in the future and funds are on hold for other purchases, the transaction will be declined and you will not be charged a feeIf you would like me to do that, please let me know As a courtesy to you I will refund one of the two fees charged to your account on the 19thPlease let me know if I can be of further assistance
[redacted] ’s concern in the initial Revdex.com complaint was related to an insurance check that was sent from MetLife for an accident she incurred As the lienholder of the vehicle, we assisted with the payment directly to the repair shop that [redacted] chose in AZ [redacted] authorized the payment to the repair shop to [redacted] , VP- Lending, Analytics & Credit Risk, on 2/22/ In addition, the overage funds from the insurance check were placed in [redacted] ’s savings account at her request under these circumstances, our standard practice is to utilize any remaining funds to toward the principal balance on the outstanding loan, we're the lien holder on Considering her situation, we'd decided against that in good faith In regards to the newly stated issues she is experiencing with the vehicle, as a result of the tire coming off the vehicle, that is between [redacted] and the repair shop she chose If/when [redacted] submits an application for a new car, or additional repairs to the exhisting vehicle, we will review and decision an application, once submitted To date, no application has been submittedWe're considering this our final response and the complaint closed
***, from our collections department, received a VM at at 4:21AM this morning from [redacted] .Summit (***) is resending the required documents to pursue option #that we'd provided We will send documents to both Mesa, AZ address and Wild Rose, WI address ( she will be back to this address around 10.29.16) in hopes she gets them Once returned and signed we will maintenance accordingly Thank you
There was a misunderstanding with the customer and which service they had believed was selected at time of saleThe misunderstanding caused the past due BillingsSince, we have spoken to the customer, and came to a mutual decisionThe customer has been fully refunded and we restructured the service they have with us
January 6, [redacted] ** [redacted] AUTOTEXTLIST Re: Complaint [redacted] Dear Revdex.com: I am writing in response to complaint [redacted] filed to the Revdex.com on January 1, by Mr [redacted] In the complaint he stated even though he had money in his account, he was charged overdraft fees on 12/21/in the amount of $ Mr [redacted] had an available balance of $ on 12/That day, the following debit transactions, totaling $36.68, were authorized but not posted to Mr [redacted] ’s account: $8.99, $10.97, $13.72, and $These authorizations brought his available balance to - On 12/20, the day of the first overdraft, his available account balance was -.59, when a transaction for $was posted that day, it resulted in an overdraft feeThat transaction and the overdraft fee brought his account further into the negative, and once the approved transactions from 12/posted on 12/and 12/21; they continued to bring his account negative, resulting in additional fees In light of the amount the account was negative, timing of the transactions, and number of fees, we have credited Mr [redacted] $ Mr [redacted] has “opted-in” to overdraft coverage which, for a fee, permits transactions to be approved without available fundsUnless he opts out of this feature, future transactions with his debit card will continue to be approved when there are insufficient funds in his account and will be subject to the applicable overdraft fee when they are posted to his account If Mr [redacted] would prefer to opt-out of overdraft coverage he can simply call 608-243-and we will take the coverage off his accountIf so, any future debit card transactions may be denied if funds are not available on his account, and that may cause inconvenience for him Thank you, [redacted] ***
September 29, [redacted] J [redacted] Re: Complaint [redacted] Dear Ms***, I am writing in response to complaint # [redacted] filed to the Revdex.com on September 16, In the complaint, you raised concerns about not hearing back from Summit in a timely manner, the additional coverage on your loans, and payment arrangements options Unfortunately, in review of your situation and account status you did not elect Involuntary Unemployment on loan nor loan You elected Option 3; which covers Loss of Life, Disability, and Family LeaveThe separate contracts are attached for your review In consideration of your situation, we have two options: A reduction in payment via a Subsequent Action form to make concessions on rate/ term- $50.00/ month on L(currently $160) and $150/ month on L(currently $240) A 2-month extension on each loan Please contact [redacted] ***, AVP-Collections, at ###-###-#### to inform of your selected option Additionally, in response to your concern regarding our timeliness to respond, I apologizeAs a result of the member experience you’ve described, we’ve credited your account $for our delay in response time Thank you for your membership [redacted] VP-Sales Development Summit Credit Union
[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me.It appears everything has been correctedShe did not want to have the reinstatement date of the loans at the end of this monthNot clear why, but I just want this resolved; which basically it is nowThank you for your assistance, [redacted] ***
February 22, Department of Financial Institutions State of Wisconsin Attn: [redacted] ReComplaint of [redacted] # [redacted] Dear Mr [redacted] , Thank you for bringing this matter to our attention [redacted] first reached out to us related to vehicle repairs and an injury that she suffered after an accident in late December on February 14th via an email to our Member Services area When I discussed her concerns with her she indicated she needs her vehicle repaired and wanted us to pay for the repairs In addition, she wanted us to pay for her rental car expense I explained our relationship as the lienholder and offered to help with the repair process and that she should work with the insurance company to resolve the rental car payments At that time she was undecided on the auto body shop she would be using for the repairs Our conversations continued and I urged her to locate a repair shop that would invoice for the work vs demanding payment up front as the shops she had spoken with had required so we could assure the repairs would be complete before paymentI explained this would be her best interest for payment to be made after the repairs At the same time we offered to issue a letter of guaranty to the repair shop if needed to support the repairs being completed [redacted] chose Big O Tires to repair the vehicle They were able to invoice for the repairs and kept in contact as the repair was completed over the course of two days Summit received a claim check from MetLife in the amount of $as a payoff for the loan balance We discussed the balance due to Big O Tires and [redacted] acknowledged the final invoice remittance in the amount of $ We issued a check to Big O Tires and sent it overnight The remaining funds of $were placed into [redacted] ’s savings account so she could have access to the funds for medical bills or payment for the rental car as she sees fit This balance was meant to be paid against the outstanding loan balance, however, we felt that due to [redacted] ’s financial situation and her request to pay medical bills and the rental car payment, the funds would be best used as she had requested Please let us know if you need anything else regarding this matterIf not, we will consider this matter closed and resolved Thank you, [redacted] VP Lending, Analytics & Credit Risk Summit Credit Union ###-###-####
At the beginning of the day 5/13/2017, your account had a balance of $Your available balance was $based on purchases you had made that had not yet posted to your account You made three purchases and did not have available funds in your accountBecause you elected to have overdraft coverage on your account, these purchases were paid and you were assessed a fee for each transactionI do see that you called and spoke to one of our representativesWe explained that when you make a purchase with your debit card, merchants don’t always post them to your account immediatelyThe funds are held until the purchase transaction is posted to your account The same situation occurred on your account on 5/19/Numerous transaction were made on the account that day, some posting immediately and others creating a hold until the purchase posts to the accountOur representative choose not to refund additional fees as the credit union did not make an error and we had recently refunded fees and explained this to youWhen using your ledger to keep track of your balance, it is important to note each purchase as you make themThen you will have a better idea of what you actually have left to spendIn order to prevent additional situations like this which will cause more fees, I would be happy to remove your overdraft coverageWhen you make purchases in the future and funds are on hold for other purchases, the transaction will be declined and you will not be charged a feeIf you would like me to do that, please let me know As a courtesy to you I will refund one of the two fees charged to your account on the 19thPlease let me know if I can be of further assistance