Cowskin Prairie Restaurant & Motel

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Dear [redacted]: My GECU payment is due 12/30/15 and I went to their website to set-up a money transfer.  I was very excited when I saw that they corrected the delinquent account status, and also refunded an additional $1530.00 in late fees. However, I noticed that the amount was added to our balance instead of being deducted.  I attached a copy for your records.  Thank you for your help. Sincerely,    [redacted]
Regards,
[redacted]

This is in response to your fax/letter dated June 13, 2017. I am sorry that Ms. [redacted] is still looking for a resolution to her ongoing request for some sort of refund. Her complaint now is that she is requesting a $7,000 refund.Enclosed please find the following documents that address the history of...

Ms. [redacted]s disputes with her sewing and embroidery machine.1. Copy of original sales invoice dated June 21, 2016.2. Dealer Product Price List.3. Certificate of Technical Proficiency (which I am required to attend to be a dealer and repair technician)4. Invoice (3) showing Brother Acct # [redacted] purchases of [redacted]5. Letters (4) dated November 30, 2016, Dec. 14, 2016, February 3, 2017, and January 17, 2017 (Merchant Chargeback Case No. [redacted])6. Document showing her personal in-home lessons on her machine7. Fax from Merchant Chargeback stating case is closed8. Letter dated April 21, 2017 from Parker, Stanbury LLPAt the time of purchase, Ms. [redacted] was verbally informed that the machine was on our table and is new. We do display higher priced machines. The "smell" she is referring to is just a cleaning solution we use to dust and clean the machine before it is packed into the original box. The machine was in excellent condition when it was sold to Ms. [redacted].Again, in clarification, I did not tell Ms. [redacted] that her machine was used or a demo model. Nor has anyone in my store told her the same. the machine purchased is the top of the line Brother sewing and embroidery machine. The Dream Machine by Brother international is the largest and full-featured on the market. There isn't another machine that can be compared to it.Ms. [redacted]'s sewing/embroidery machine has a 25-year manufacture's warranty and, in keeping with my original promise, I will continue to support Ms. [redacted] on her lessons and service contract. she is welcome to bring her machine to my shop for the service and contact the sewing educator for additional classes as she wishes.Ms. [redacted] continued requests for a full refund, claims of machine malfunction or "problem" are truly unfounded as all documents indicate. Now she is requesting a "partial" refund because she states the machine is "used."With respect to all concerned, Ms. [redacted] should not receive a refund. Her machine is in excellent condition and works with excellent precision; Ms. [redacted] even has stated that herself. I believe this is a case of buyers' remorse.Again, I will state clearly that I will provide Ms. [redacted] with continued service and educational classes as she needs. She is welcome to contact me or the instructor to complete her coursework.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Over the extended time period of five and half years, I have not received any of the attatched letters that the Credit Union claims to have sent.  Their response was that it was in my initial loan paperwork which I still do have a copy of.  Since they failed to send any letters or documentation, I was not privy to the information in regards to any payments being considered late and any late fees that had then been added to my account.  This does not solve the problem that they charged me $800 in fees without letting me know in a timely manner to remidy the apparent issue I did not know they had. 
Regards,
[redacted]

Concerning Case Number: [redacted]Good afternoon,This  situation had been turned over to our attorney's for their involvement. As such, a court case ensued and a ruling has been made. At this time, we must refer to our attorney for the appropriate response due to the legalities...

involved. Their response to this case is attached.Respectfully,Jill L[redacted]

To Whom it May Concern: In response to our member, as stated, the situation has been recently resolved. Part of the agreed resolution included removing the delinquency status and notifying all three major credit bureaus. We have removed all delinquencies; however, it will take up to 30-days to reflect this update (this is the timing stated by the bureaus and is not within our control). Additionally, the aforementioned information has been mailed to our member. Respectfully,Jill L., Marketing Director[redacted], Lending Manager

[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.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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. 
Regards,
[redacted]

[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.  If you and the business have reached an agreement and compliance is set for a future date, we trust the business will...

comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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. 
Regards,
[redacted] ---12/30/16 Consumer called to let Revdex.com know that the business did respond, provided him with a refund and corrected the ATM problem. He considers this matter resolved.

This customer special ordered the hose on her own we order the holes that she wanted she paid port issue was charged the correct price there was no such thing as $179 tag or a $79 tag whatsoever she reserve [redacted] receipt upon the time she ordered it she tried returning the holes I refuse to...

take the holdback it was a special order this is a simple case of customer remorse and I refuse to give her any kind a refund but that's the way it's going to stay and that's the way we are we are not going to change anything she cannot return it  we cannot return it to the supplier again this is simple case of customer remorse this lady is just doing nothing but lying telling a Bunchin of fake news   there's only one receipt if she received a receipt at the time of purchase the receipt she was talking about Blong to a Nother customer nothing to do with her back you may know this lady is just a complainer and trying to pull a fast one but with this company it will not work we will not offer a refund at anything on this person thank you [redacted]

Per our conversation on Wednesday, December 28, 2016 – this is detailed loan account information for Ms. [redacted]. We understand Ms. [redacted] has not asked for this information, but rather you feel it will likely be requested and would like for us to take initiative on this matter. As Ms. [redacted] is not the primary on the loan and Mr. [redacted] is, that is why you will see the name as [redacted] on the attached documents. Attached is additional supporting documentation to correspond with our other response(s). Within, you will see arrows pointing to where there is a late fee assessed – it says “Fees Amount.” You can also see the “Payment Due” date and the “Post Date” of when the payment was posted to the loan. This, along with the other information supplied, we feel is above and beyond demonstrating the responsibility our member has to contractually pay their loan as agreed, the consistent documentation (late payment letters and annual statements) sent from us to the address on file supplied to us by the member via the signed contract (with an acknowledgement by the member that other mail (Insurance letters) were received at this same address (supplied within previous documentation)), and our willingness to work with our member as we’ve refunded hundreds in fees though we’ve sent communications to the address we have on file.

June 13, 2016  Cincinnati Revdex.com 1 E 4th Street Suite 600 Cincinnati, OH 45202   Re:         Complaint #[redacted] To Whom It May Concern:   We have received notification of the above referenced complaint from [redacted]....

  We understand that [redacted] has a concern regarding not receiving loan coupons as requested on more than one occasion and with this lack of response, he feels that he is being forced by the Credit Union to make his payments electronically.  After reviewing exactly how [redacted] loan had been set up with the Credit Union, it was discovered that it had not been coded originally with the mail payment option.  Unfortunately, this was missed by all Representatives involved.  This has since been corrected and coupons have been mailed out to [redacted] who has also been notified by myself via telephone and in writing by Mr. Tim B., CEO.   Sincerely, Pamela J. Contact Center Manager ###-###-#### [redacted]

Good Morning,My name is [redacted], I recieved an email from you (Revdex.com) at the end of the week about my claim against the General Electric Credit Union. I just want to let you know I call them today and left a message. I will keep you informed if the General Electric Credit Union calls me back.Than you,[redacted]

[A default letter is provided here which indicates your accept[redacted] of the business's response.  If you wish, you may update it before sending it.  If you and the business have reached an agreement and compli[redacted] is set for a future date, we trust the business will comply.  Please contact us after that time if the matter is not resolved as agreed and we will review the complaint and proceed accordingly.]
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. 
Regards,
[redacted]

Revdex.com: I am just waiting for you guys to take the delinquency notice off my account. 
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  
Regards,
[redacted]

He had called in and [redacted] returned his call, eventually they did speak with each other, and talked about and came up with a resolution, and we sent out new paperwork last Monday.

Hello,Please see the attached file for our response. Thank you,Jill L[redacted]Marketing DirectorGeneral Electric Credit Union[redacted]jill.l[redacted]@gecreditunion.org[redacted] ** ** ** [redacted]January 5, 2016VIA EMAILRevdex.comRE: Case No. [redacted] GE Credit Union’s Response dated December 17, 2015To Whom It May Concern:This response is to the follow-up document sent by the Complaining Party that was undated, but received by the Credit Union on December 29, 2015.It is the Credit Union’s position that our response on December 17, 2015 addressed the issues in the original Complaint. There appears to be new issues raised by the follow-up documentation. The Credit Union has checked with the credit reporting agencies concerning the credit card.As of January 30, 2012, according to the documentation in possession of the GE Credit Union, the credit card debt was reported to the credit reporting agencies as having a $0 balance owed. If a specific credit reporting agency is showing something else, the Complaining Party needs to bring that information to my attention so that it can be looked into.On December 29, 2015 an employee of the Credit Union mistakenly entered the wrong key, thus adding to the Complaining Party’s account the $1,530 that was instead to be subtracted from the account balance. This mistake was immediately discovered and on December 30, 2015 it was corrected. A printout is attached that shows the Credit Union immediately corrected its own mistake without any communication from the Complaining Party.In an attempt to be overly proactive, I am also attaching the documentation sent to the various credit reporting agencies to update all of their files to ensure that all of the debts that the Complaining Party has had with the Credit Union are updated to show their correct status.As to the other issues raised in her letter, again these were dealt with in my original response of December 17, 2015 and there is nothing more that I can add.[redacted] ** [redacted]January 5, 2016 Page 2The GE Credit Union regrets that [redacted] has had issues with employees of the Credit Union and that is being looked into.If I can be of further assistance, please let me know.Very truly yours,[redacted]EnclosuresCc: Sharon S[redacted] / GECU [redacted]

Dear [redacted],Please review the attached document for our response.Regards,[redacted] July 14, 2015[redacted] Marketplace Resource Consultant Cincinnati Revdex.comDear [redacted],Thank you for forwarding [redacted] complaint to us. [redacted] has been a good member of the Credit...

Union for several years and we value his concerns.Our records show that [redacted] received the 4% coupon as a result of the new loan in question. He traded in the automobile securing his previous loan, which was paid off by the dealer after he consummated the current transaction. As a result, his paid loan documents were sent to him along with the coupon. The coupon is intended to encourage him to finance future loans with the Credit Union.As we do value [redacted] membership with the Credit Union, we will be honoring his request and lowering his loan rate by %%. A letter will be sent to [redacted] informing him of this decision.Sincerely,Neil D. P[redacted] Director of Lending Services General Electric Credit Union 10485 Reading Road Cincinnati, OH 45241 [redacted]10485 Reading Road l Cincinnati, OH 45241 [redacted] www.gecreditunion.org

To Whom It May Concern:We received and understand the complaint for [redacted] and have provided our response in the attached document. Additionally, we spoke to [redacted] to explain what occurred and believe both parties feels Complaint #[redacted] has been remedied. Respectfully,Jill...

L[redacted]Marketing Director General Electric Credit UnionSeptember 11, 2017Cincinnati Revdex.com1 E. 4th Street, Suite 600 Cincinnati, OH 45202Re: Complaint #[redacted]To Whom It May Concern:We received the Revdex.com complaint for [redacted], ID #[redacted]. We understand [redacted]’s complaint regarding General Electric Credit Union (GECU) states the following:- He states he received past due notices from GECU for several months despite always paying on time. These notices are informing him that no payment may result in being reported to the credit bureaus. - He states he spoke with several GECU representatives about his auto loan and received different answers by some, and was not provided information by others.When GECU extends credit for the financing of a loan, the borrower/member is responsible for agreeing to the contractual terms, including making timely payments. Should a member be past due 15 days from the loan payment due date, a letter is generated on day 17 of the loan being delinquent and mailed to the member’s address on file. This was the case with [redacted] as he received these letters due to him being past due on his auto loan with GECU.At the time of this letter, we have again been in contact with [redacted]. On 9/6/17, our Director of Member Response, Pam J[redacted], contacted [redacted]. She went over the entire history of his GECU auto loan since it originated in August 2013. He has been running one month behind almost the entire duration of the loan; fluctuating between 7 to 18 days delinquent. GECU did report him to the credit bureaus one time when he was delinquent 34 days. [redacted] thanked Pam for clarifying what was happening with his loan. At this time, our member’s concerns have been addressed and we consider this matter handled.Please let us know if further information or supporting documentation is required.Sincerely,Ashley C[redacted] Business Development & Member Service Officer [redacted] ashley.c[redacted]@gecreditunion.org10485 Reading Road Cincinnati, OH 45241 513.243.4328 800.542.7093 www.gecreditunion.orgGeneral Electric Credit Union

We received the Revdex.com complaint for Ms. [redacted] ID # [redacted]. We understand Ms. [redacted]’s complaint regarding General Electric Credit Union (GECU) states the following:-She believes she made her monthly auto loan payments on me and stated that an addi onal $800 .00 in late fees was added...

to her account and that since she was never late and never received any type of le er from GECU. She contacted GECU and was told her account would be sent to upper management for review to have the fees waived and no one contacted her back. -After two weeks, she contacted GECU again and was told only $270.00 in fees would be waived and she would be required to pay the rest. -She states that fees cannot be added over a period of five and a half years without le ng the consumer know there is an issue.As a credit union, General Electric Credit Union (GECU) must adhere to standard regulatory compliance and lending guidelines when financing an aut o loan for our members. In turn, the member(s) is r esponsible for agreeing to the contractual terms with a signature on our loan contract. Our contract clearly states: “Late Charge: If a payment is more than 15 days late, you will be charged a late charge of $30.00.” Please see a ached, the copy of the signed contract by Ms. [redacted].A le er is also generated on day 17 of the loan being delinquent and mailed to the member’s address on file. We have confirmation that a minimum of 18 past due letters, please see attached, were mailed to: Ms. [redacted] c/o Ms. [redacted] at: [redacted] over the period of her loan with GECU to notify her of her delinquent loan status. As well, annually, a member statement with a detailed description of the annual loan activity is mailed to the member, including a summary of late fees that would have been acquired for that year.We feel that our courtesy refund of $270.00 is sufficient considering the numerous attempts to notify the consumer of their late payment status via mail through delinquent no celeers and annual member statements. Ms. [redacted], per her signed loan agreement, is responsible to pay off the remainder of the loan.Please let us know if further information or supporting documentation is required.

I  misquoted recommended sales price in my response to [redacted]’s comments.  Retail price of sparrow 20 is 350 dollars. Please note he did not address all concerns referred to in,  complaint number 11770413. I hope you post complaint and responses . thank you for attempting to address these concerns.   cc [redacted]

12/28/15
Dear [redacted]:I have reviewed the response made by General Electric Credit Union (GECU) in reference to complaint ID [redacted], and have determined that this does not resolve my complaint.  GECU has not met the agreement they outlined in their response, and they have not addressed all of the issues of this dispute.  Ms. L[redacted]'s response said, "At this time, we have corrected the misapplied payment and credited the [redacted]’ account. This in turn, has created a balance on the other loan they had with us, but we are considering the matter resolved."  The GECU website has the most current information about our loan and it shows that a money transfer posted on 12/1/2015 for $510.21.  The monthly payment is due on the thirtieth of every month, but our account is still listed as delinquent, and according to Ms. L[redacted]’s statement it was already corrected so our account should not still be listed as delinquent.  I will attach a copy of their records for your information, and please note that they credited $360.00 to our account for the associated late fees.   However, GECU has been charging a monthly late fee of $30.00 since 2/26/10 and they even charged a late fee for some of the payments made by the trustee for our Chapter 13 Bankruptcy. Ms. L[redacted] said, “During our investigation, we have found there was a misapplied payment in October 2011; the payment was credited to another loan. This made it appear as [redacted] missed paying the October 2011 payment; therefore, running a month behind.  [redacted] was protected by the automatic stay during the Chapter 13 term”.  So, I don’t believe it would be correct to charge a monthly late fee because we should’ve been protected by the bankruptcy term as stated by Ms. L[redacted].  Also, according to Ms. L[redacted] the error occurred in October of 2011.  She said, “We regret this error happened and that it was not discovered until four years later.  Therefore, I don’t understand why she would believe only one year of late fees should be refunded.
The response from GECU said that they are in the process of updating our credit bureau report, but we have discovered another issue that is seriously affecting our credit rating.  We had a credit card ([redacted]) with GECU prior to our bankruptcy and it should’ve been closed in 2010, but it is listed as open on our credit bureau report.  It is pulling down our credit rating because it shows that we owe $5,151 which is over the $5,000 limit.  It also says on the report that we are now paying and was a charge-off.  It shows that the information was updated on 12/01/2014, but that was probably when the trustee made the $257.59 payment per our bankruptcy agreement. The credit card status should say closed, the payment status should say paid, and the balance should be listed as $0.00 according to how every other credit card company has our closed credit cards listed.  I will fax a copy of the credit report for your records as well as the bankruptcy trustee’s final report and account that shows our case was completed on 6/01/2015.  The report shows the claim asserted by GECU is $5,151.72, but the principal agreed to is $257.59 and $0.00 is owed for the credit card.
Ms. L[redacted]’s response said the following, “After the plan was completed and discharged, we attempted to contact her and explain the situation. During these attempts, [redacted] would not collaborate with the collectors, or loan interviewers, who contacted her; we were unaware of what occurred. If communication between us would have been successful, we could have discovered what happened sooner and corrected the error.  I have to say that this reply really upset me more than anything else because I am a reasonable person, and I know that people make mistakes.  I gave them ample time to do their investigation and get the situation corrected because nobody, including me, knew what had occurred.  We received our first collection letter on 8/7/15, and I immediately called the Collection Department to give them our new home phone number and my husband’s new cell phone number.  We also updated our personal information on their website because as I stated in my original complaint; I just wanted to get the situation resolved so that we can repair our credit.  I was told several times that someone would send us information after an investigation was done.  I finally made a complaint on 9/18/2015 because we kept getting phone calls and letters stating that GECU had made numerous attempts to contact us regarding our delinquent account.  Please keep in mind that we received another collection letter on 12/21/2015 that was dated 12/17/15; I assume the letter was sent out automatically, but that is evidence that the system still showed our account as delinquent on 12/17/2015.  Again, as I stated in my initial complaint; I went to GECU on 10/20/15 to speak to a Loan Officer and I spoke to Leah V[redacted].  I gave her copies of my bankruptcy discharge paperwork that included the debts paid to GECU, and a $0.00 balance owed.  I told her that the collectors said they were going to send me a print-out of all the payments we made on the loan from the beginning.  They told me it had to come from headquarters and that I couldn’t get it from the 10485 Reading Road location.  She said that wasn’t true and gave me the print-out for my records, and she was also very nice. She told me that she would have Sharon S[redacted] the Collections Manager investigate the situation and she would call me back.  We still haven’t received a phone call from anyone at GECU regarding the outcome of the investigation!  I found out what happened from Ms. L[redacted]’s response to the Revdex.com.  So, to say that I would not collaborate with the collectors or loan interviewers is not only untrue, but highly offensive to say the least.  That is why I said that GECU is not only incompetent, but rude because to not call someone back when you promised to do so is very rude.  I returned to the credit union again on 12/6/2015 and I spoke to Leah V[redacted] again, and advised her that no one had called me.  She was surprised that Sharon S[redacted] had not called me, but I told her that I thought she was going to follow-up as well.  She was very kind and tried her best to help me, but I told her I wanted to speak to someone over her because I understood that she can only do so much.  She went to get Maryann B[redacted], Collections Specialist and Ms. B[redacted] advised me that they were going to do an investigation because they didn’t know what happened yet.  I told her that I’ve been told that since 9/18/15 when I made my first complaint, and that I have finally lost my patience with this situation.  I gave them the same copies and included the print-out that they gave me to show her that the only payments missed were included in the bankruptcy agreement.  She told me that she would give the information to Sharon S[redacted] and she also told me that GECU’s attorney [redacted] would follow-up with me.  I told her that I don’t understand what is taking so long because they have all of the information about my account on file.  She said there was nothing she could do and she apologized so I left.  I don’t think my actions are that of a person who refuses to collaborate with the collectors, or loan interviewers, who contacted me because I not only contacted them, but I also went directly to them for answers. Ms. L[redacted] is trying to blame me for the situation by saying that if communication between us would have been successful, we could have discovered what happened sooner and corrected the error. I still wouldn’t know what happened if I hadn’t filed a complaint with the Revdex.com on 12/15/2015.  As a result, I do not trust them to take the necessary steps to correct and bring resolution to this situation because they have not acted in good faith.
In order to meet the agreement I would like to have the following steps completed:
1)       Update our account and the website information.
2)       Stop the collection letters and phone calls.
3)       Update the incorrect information on the credit bureau report regarding the open credit card and the monthly negative reporting that started on 2/26/2010. The last late payment was reported to the credit bureau one month ago.
4)       An apology
We would like the complaint to remain open until the above steps are completed.
Regards,[redacted]