Coweta Flooring

This e mail is in response to our phone conversationI moved on October 19th and due to that I didn't get my previous letters from the Revdex.com and that lead to my case to be closedMy issue with the cerdit union started when they called me in October of telling me that my car's September payment was lateAt that time I was closing on my new house (first time buyer) and I was so nervous about my credit and how that late payment might affect meI told them that that was not possible, since my payments were deducted every month from my bank accountI told them that I had talked to Rose (the lady who was responsible of taking my payments on the phone) and she told me that I could give her my debit card info and she'll make sure that the payments are deducted every monthI had that going for over a year or a year and a halfI was never told that she wasn't supposed to do that or anything, I thought it was a procedure that was done at the credit unionWhen I said that, the lady that I was talking to told me she was going to check with her manager to see what was going onShe called me back saying that she found it in the notes and that Rose was not supposed to do thatShe said that she was canceling the late charge but I am responsible to make the payment because IT WAS MY FAULTI told her that it was the credit union's fault and that they should show some kind of responsibilityShe, then, told me that it WOULD NEVER HAPPEN and that it was my fault and I should consider myself lucky they had to cancel the late feeI told her that I wanted to speak with a manager because of how rude she was to meShe told me that the manager was not availableI had to call again and ask for the manager and she wasn't any nicer than the other ladyThey all just kept blaming me for not checking or paying my car payment (I hadn't checked my payments on over a year because it was always taken automatically out of my account)I reached out the Revdex.com because I don't think customers should be insulted and treated that wayIf a business makes a mistake they need to rectify it and own up to itThey caused me a lot of frustration and stress especially during a new house closing timeI know they wanted to offer me a $gift card (I read that in their response to your letter)In my opinion I think the best way to solve this situation is for the credit union to make one full payment ($385) towards my car loanThat way they will show me that they care and own up to their mistake [redacted]

Re: Complaint #*** *** ***, complainant.Dear Ms***:This responds to your inquiry into the above-captioned matter.Mr*** had contacted the Credit Union to complain of a missed loan paymentWe researched his account information and immediately waived the late fee, as being
inappropriate.However, our research revealed that he had previously established a loan repayment method which was, at best, unorthodoxAt his request, an Allegent employee had agreed, of her own volition, to accept Mr***'s required monthly payments to Allegent, as they became due, via his debit card from another financial institutionThe Allegent employee, who is no longer with Allegent, was trying to accommodate Mr*** simultaneously with discharging her duties as the account manager.Needless to say, this approach was not contemplated by our systems guidelines, and when the account manager left her employment with Allegent, Allegent had no indication that such a system was in placeHence the delinquencyWe did later explain to Mr*** that several payment options exist, viz: in person; Internet Banking; shared Branching; via mail; or, a recurring automatic payment with his primary financial institution.Mr*** requested that the entire delinquent payment be waived; however, his legal obligation to make the total monthly payments, in the amount and within the time contractually prescribed, remainsThe fact that a former Allegent employee attempted to accommodate his unorthodox payment method in no way vitiates this basic fact.The foregoing notwithstanding, we are prepared to send to Mr*** a $gift certificate, in our sincere hope that this unfortunate incident be relegated to the position of a minor matter.If you have any questions, please contact the undersigned at the above address and number.Very truly yours, Edward *P*** *** Chair, Supervisory CommitteeAllegent Community Federal Credit Union

This e mail is in response to our phone conversation. I moved on October 19th 2016 and due to that I didn't get my previous letters from the Revdex.com and that lead to my case to be closed. My issue with the cerdit union started when they called me in October of 2016 telling me that my car's September payment was late. At that time I was closing on my new house (first time buyer) and I was so nervous about my credit and how that late payment might affect me. I told them that that was not possible, since my payments were deducted every month from my bank account. I told them that I had talked to Rose (the lady who was responsible of taking my payments on the phone) and she told me that I could give her my debit card info and she'll make sure that the payments are deducted every month. I had that going for over a year or a year and a half. I was never told that she wasn't supposed to do that or anything, I thought it was a normal procedure that was done at the credit union. When I said that, the lady that I was talking to told me she was going to check with her manager to see what was going on. She called me back saying that she found it in the notes and that Rose was not supposed to do that. She said that she was canceling the late charge but I am responsible to make the payment because IT WAS MY FAULT. I told her that it was the credit union's fault and that they should show some kind of responsibility. She, then, told me that it WOULD NEVER HAPPEN and that it was my fault and I should consider myself lucky they had to cancel the late fee. I told her that I wanted to speak with a manager because of how rude she was to me. She told me that the manager was not available. I had to call again and ask for the manager and she wasn't any nicer than the other lady. They all just kept blaming me for not checking or paying my car payment (I hadn't checked my payments on over a year because it was always taken automatically out of my account). I reached out the Revdex.com because I don't think customers should be insulted and treated that way. If a business makes a mistake they need to rectify it and own up to it. They caused me a lot of frustration and stress especially during a new house closing time. I know they wanted to offer me a $100 gift card (I read that in their response to your letter). In my opinion I think the best way to solve this situation is for the credit union to make one full payment ($385) towards my car loan. That way they will show me that they care and own up to their mistake. [redacted]
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This is in response to your letter dated January 10, 2017, in which you request explanationregarding the complaint of the member listed above. Specifically, this member complainsthat Allegent Community Federal Credit Union deactivated her ATM card without sendingher formal notice.This member signed...

an “Electronic Funds Transfer Agreement and Disclosure” whichcontains, inter alia, the following language:2. ATM CARD. If approved, you may use your card to withdraw funds from yourshare account via an ATM Machine. You agree that you will not use your card forany transaction that is illegal under applicable federal, state, or local law. If youinitiate a transaction that overdraws your Account, you agree to make immediatepayment of any overdrafts together with any service charges to the Credit Union. Inthe event of repeated overdrafts, the Credit Union may terminate all servicesunder this Agreement You may use your Card and PIN (Personal IdentificationNumber) in automated teller machines of the Credit Union, networks, and suchother machines or facilities as the Credit Union may designate. At the present time,you may also use your Card to:- Make deposits, withdrawals, and acquire balance information from/to yourshare account via an ATM Machine.- Daily withdrawal maximum is $500.00, if there are sufficient funds in youraccount(Emphasis in text body supplied in this writing).Branch Locotion~liberty Center Branch Franklin Park Branch Penn Hills Branch allegentfcu org[redacted]Allegent Community Federal Credit Union response to complaint of [redacted] During the calendar year 2016, Ms. [redacted] used her ATM card to withdraw funds whichput her account into a Non Sufficient Funds (NSF) position no less than seventeen (17)separate and distinct times between February 27, 2016 and December 8,2016. In eachevent she was able to deposit funds sufficient to cover the NSF fee of $30.00 and to restorea positive balance in the account, which funds were deposited within different time lagsranging from one day to eight days of the NSF event.Accordingly, it was the decision of the Credit Union to revoke her ATM privileges as beingin the best interests of both Ms. [redacted] (17 restoration fees at $30.00 per NSF eventequals $510.00) and the Allegent Community Federal Credit Union. Formal Notice is not arequired action under the agreement quoted above.If you have further questions, please contact the undersigned.