Credit Union 1

I am rejecting this response because: there has been no resolution to this matter at the time of recipes of this letter

Revdex.com Complaint Response Re: *** * *** ID #*** We have reviewed the member’s account regarding the complaint made about denied credit card transactions on March 16, Due to the high amount of credit card fraud, Credit Union along with other financial institutions, use third party
processors to protect our cardholders by identifying potential fraud activityAlthough this is often a benefit to our members when the fraud is stopped, sometimes like the example of Ms***'s card transaction, there is a positive that results in a transaction being stoppedWe understand that this is very inconvenient for the card holder and are taking steps to improve this processIf you need any additional information to resolve this complaint please feel free to contact us

January 9, 2018 RE: Response to Complaint #*** Dear Revdex.com, We have reviewed the member’s file regarding the complaint made about GAP insurance on the loan. Unfortunately, the loan file shows that the member was offered the GAP Coverage and declined it. Additionally, we
reviewed all loan documents that were signed by the borrower and there is no payment of a premium and no documentation that she elected this coverage. We understand that collision claims that result in total loss to a vehicle are stressful events and that the balance that often remains on a loan is a significant burden. For this reason, we offer all our borrowers GAP Coverage on their auto loans. Unfortunately, the borrower did not elect this coverage on the loan referenced in her complaintIf you need any additional information to resolve this complaint please feel free to contact us.Sincerely,The Marketing DepartmentCredit Union

We have reviewed the member’s account regarding the complaint made about fees deducted from her accountSeveral years ago, we instituted a $fee for checking accounts but have always had options for the member to avoid the feeAs Ms*** noted she began having a fee in October This was
in accordance with the disclosures that she had been provided based on her account relationshipBecause of the high value that we place on our members we have, as she requested, refunded the $in fees that were assessed to our accountAdditionally, we will contact her to discuss ways that she can avoid having the $fee charged to her accountIf you need any additional information to resolve this complaint please feel free to contact us

Ms*** opened her account online where she accepted our “Terms and Agreements” in which the check hold policy section explains that new
accounts for the first six months will have extended holds on deposited checks. However, we do understand that many people click “Agree” without reading all the information provided. We were able to do some further verification and have released the funds. Her company did send to us a "Pre-note". This is sent, by most companies, to make sure all the information as to where to send the direct deposit is correct. It was not her direct deposit it contained no funds, it went through fine and her direct deposit should process on her next payday. I spoke with MsMorris, explained all of this and she was satisfied with the resolution. I provided her with my contact information should she have any other issues, and, I believe, we have established a good business relationship

Horrible credit unionDO NOT JOIN!!!!
They allowed unauthorized deductions out of my account and would not credit me back Even after I requested a "stop payment" they allowed the unauthorized withdrawals to continue

To Whom It May Concern,
We have received notice from the Revdex.com that [redacted] filed a complaint regarding a levy that was received and processed on this account. Attached is the written response sent to [redacted] on August 15,2016.
If you have further questions or request more...

information, please contact me directly.
Dear Mr. [redacted]:
Recently, Credit Union 1 received notice from the Revdex.com that you filed a complaint regarding a levy that was received and processed on your CUI account. As a member-owned credit union, I appreciate the opportunity to answer your questions and concerns! On July 29, 2016, Credit Union 1 received and processed a levy from Inquest regarding your account. When served a levy, Mr. [redacted], Credit Union 1 must by law search our database to pull unprotected funds for remittance. This process is time-consuming, and as such there is an associated fee is in place to offset this service. However, please be assured that these fees are comparable to any you may find at our neighboring financial institutions. Furthermore, all fee income at Credit Union 1 is recycled into quality services and low loan rates for our members. A letter that included a copy of this levy and court judgment was mailed to you on August 1, 2016. Thank you for taking the time to share your concerns, Mr. [redacted]. Credit Union 1 prides itself in being a uniquely community-minded place to do business, and we look forward to the opportunity to assist you in the future. Please feel free to contact me with any further inquiries. Sincerely, James W[redacted]

Complaint: [redacted]
I am rejecting this response because:This was the first attempt made to contact me. And I would like to point out that 3 days after the Revdex.com contacted credit union 1 they closed my loans without notice. There was no emails, phone calls or mail. I feel like they retaliated due to the fact I filed a complaint about the customer service as well the promise that was made. This letter also explains to me the same thing that was explained on the phone. My complaint is about how they told me they can rewrite my loan to make it lower then tells me it was denied and expected me to make one big payment. I was told to only make interest payments.

Credit Union 1 has received and researched the member’s complaint with the Revdex.com. It has been determined that inaccurate information was submitted to the Illinois Secretary of State. Credit Union 1’s vendor, [redacted], has submitted a correction which was returned incorrectly,...

resulting in a second submission which is already in progress as of the date our member filed a complaint with the Revdex.com. Credit Union 1 will be watching this file closely to assure the proper correction is made. Credit Union 1 will communicate this information directly with the member. Our sincerest apologies for the inconvenience our member has experienced.Sincerely,The Marketing DepartmentCredit Union 1

[redacted]DOCUMENT ATTACHED[redacted]February 7, 2018To Whom It May Concern, FEB 7, 2018  We have received notice from the Revdex.com that Ms. [redacted] filed a complaint regarding the status of her Credit Union 1 account. Attached is the written response sent to Ms. [redacted] on February 7,...

2018.If you have further concerns or request more information , please contact me directly. Sincerely,February 7, 2018Dear Ms. [redacted]:Recently, Credit Union 1 received notice from the Revdex.com that you filed a complaint regarding the denial of a loan rewrite application at Credit Union 1. Thank you for the opportunity to address these questions and concerns!First, I'd like to apologize for any unhappiness or frustration caused by your conversation with our newly-hired employee who reviewed the spending history on your account with you. We strive to always provide friendly and professional service to our members, and your feedback will aid in these ongoing efforts! Please know that your comments have been forwarded to our management team, so that additional employee training can be provided.In your message, you also mentioned an application to rewrite multiple loans into one loan with CU I and your disappointment when we were ultimately not able to approve this rewrite. Although we were unable to finance this particular request due to income limitations, please know that our decision was made with top most concern for you and your debt load at heart, Ms. [redacted]. We strive to always meet our members" needs, but we must at times withhold loan approvals in accordance with credit union wide lending practices. Nevertheless, we highly value the opportunity to serve you in the future, and we encourage you to talk with us again should any circumstances change. Meanwhile, the flag placed on your account due to past-due status is in place to help ensure that deposits made to your account are directed toward existing loan repayment.Thank you once more for taking the time to share these concerns with me, Ms. [redacted]. As a member-owned and community-minded organization, we look forward to further assisting you in the future! As always, please feel free to contact me with any additional inquiries.

It is true that we were sent out to represent Mosella Mills & Chris Page's Home Warranty Company.  We found problems with their outdoor unit, and their indoor evaporator coil had a refrigerant (Freon/Puron) leak.  Concerning the outdoor cover:We did in fact leave the side cover off of...

the outdoor unit on the outside while we were there.  Fortunately the customer was able to inform us of our error, and we responded quickly and put the cover on the unit.  Concerning(Several days later):It was on the 26th day that we were called that there was a problem.Concerning the Statement(about forgetting to test lines):I am the technician that went out, and I never said anything about the installers "probably forgot to test the lines."  It was never our policy to test those lines.  On some jobs we replace the entire condensate lines, at a cost to the home warranty company or the homeowners.  However both the home warranty companies & their customers typically prefer for us to do things as cheaply as possible, which we did in this situation.Concerning the Statement(about being plumbers)  In explaining that we are not plumbers, that is because of a courtesy we extended in #1 making a new condensate free of charge, #2 re-plumbing her hot water heater discharge tube to make it safer than it was, and we believe we brought it up to code, but in her invoice mentioned that we are not plumbers so we would obviously recommend her have a plumber check out our work.Concerning the Statement(The condensation had backed up onto my floor):We agree that that is what happened.  The condensate did backup onto the floor.  When I was on site I told the customer they could call a plumber to verify where the clog was, or I could make cuts in the pipe to show her where the clog was.  Then I even went farther to say if they thought they might pursue trying to have us be liable they might be better off to have the plumber come.  She was fine with watching me cut the pipe.  On the third cut right at the water heater tie in when I cut there all the condensate water came out of the PVC coming from the evaporator.  Concerning the PVC condensate line.  Because of the improper way the water heater was tied in, we could have not replaced the plumbing going further than the tie in, as her previous plumber had done the work improperly.  When we went out, their outdoor unit was broken, and so was their evaporator coil inside.  We replaced those items, and they now function.  We didn't replace all of their ductwork in the house, we didn't replace their furnace, and we didn't originally make a new condensate line.  We tied into their existing plumbing, which is very common.  Manufacturers recommend cleaning those out annually.  The pictures I took onside show I believe that she has not been having the yearly service done to her drains.We replaced the condensate as a courtesy, and not because we felt at fault.  I mentioned multiple times while I was there that she may want to have a different plumber there, but I showed he conclusively where the clog was, and it was past the point where the water heater was hooked in improperly.  Concerning the front office having 3 requests for the insurance companies phone number, they are supposed to refer home warranty customers to the home warranty company concerning any insurance issues.  I have had a conversation with the front office and looked in your customer notes, and they said that we did not get 3 phone calls asking for the insurance information for your account.  There was one request on your account for our insurance information, and we referred you to the home warranty company, which is our policy, and they gave you the information as they were supposed to.Concerning what the adjuster may have said, I have no idea.  I have pictures before and after, and our work was done properly.Concerning having the insurance company deny the claim, we have been in business for 16 years, and have never had a claim before, and we showed you where the clog was, and it was at least 8' running feet from the work that we did.  We are very sad that you have had this damage to your floor, which is why while we were there, we did the things we did for you out of kindness.  However, it seems as you would prefer to pervert our kindness into us accepting fault.  Mosella, the clog was after the water heater connection, and both you and I know that.Rob

Initial Business Response /* (1000, 5, 2016/09/29) */
This letter is in response to the complaint received in your office from Mr. [redacted] dated September 25, 2016.
Mr. [redacted] has been an active member of the credit union for many years. We have reviewed Mr.
[redacted]'s account and...

confirmed that the deposit referred to was received on Saturday, September 17th.As disclosed to all credit union members, all atm and mobile deposits have two-day holds. This is
in place to protect the member and the credit union from fraud.
Mr. [redacted]'s business is appreciated. The fees he requested to be returned, have been. We will
recommend that he utilizes one of our branch locations during normal business hours if deposits require immediate availability. We appreciate Mr. [redacted]'s position with regards to the cost of insufficient funds. Returned items have operational costs associated with that process and the credit union passes [redacted] onto its member as any financial institution does, although at a lower cost than others.
We appreciate the service the Bureau provides to consumers and will continue to support your efforts. We hope this response, although limited in nature, provides you sufficient information to be assured our member's concerns have been addressed to the best of our abilities. Should you need any further information to resolve this issue, please contact me at XXX-XXX-XXXX x [redacted]
Sincerely,
[redacted]

I transferred my car loan from the dealer to the CU1 and when I am done paying long time a ago , I realized never had my car title until I need it. They claimed they send it never received anything but checked in DMV still their name as lien holder which means it was never transferred to me after completing my payments.Just to think that they don't want to pay for your title transfer? People in DMV shared the same stories happen to people like me.

Dear Revdex.com ("Revdex.com"):Please be advised that I am in receipt of the complaint that was originally submitted to the Revdex.com on September 25, 2017 under ID [redacted] and which makes allegations regarding the refinance of Mr. [redacted] ("[redacted]") vehicle loan with Credit union 1. In addition, I am also in receipt of [redacted]'s follow-up letter dated October 11, 2017. Please allow this letter to serve as Credit union 1's second and final response to the [redacted] complaint.The facts, as alleged by [redacted], which are the basis of the complaint, are as follows: In February of 2017, [redacted] refinance a loan secured by his BMW automobile with CU1 via  [redacted]. At the time of the refinance, the title application was submitted to the Illinois Secretary of State with an error o the application. Credit Union 1 does not dispute the facts, however, the one fact that was conveniently left out is hat the error on the title application was the result of [redacted]. Put simply, at the time of his refinance loan with CU1, [redacted] provided the mileage of his vehicle as 41,500, however, when [redacted] originally purchased the vehicle in 2016, the title issued at that time indicated that the vehicle's actual mileage was 41,547. Therefore, unless the odometer was rolled back, the mileage of 41,500, as provided by [redacted] was in error. based upon [redacted]'s error, the IL Sec. of State issued the title indicating the mileage as 41,500, but necessarily also indicated, "NOT ACTUAL MILEAGE."[redacted] has since provided an updated mileage. Based on the same, Credit Union 1 and rateGenius have actively sought to remedy the result of [redacted]'s prior error with the Illinois Secretary of State's Office. As hopefully [redacted] will appreciate, Credit Union 1 has no problem continuing to work to resolved the error, it does not appreciate [redacted]'s baseless threats of legal action for a problem it did not create in addition to his bad faith attempt to besmirch the credit union's reputation with the Revdex.com.As previously provided, Credit Union 1 and [redacted] will continue to work with [redacted] to help correct the result of his error. Credit Union 1 anticipates a favorable resolution. Very Truly Yours,[redacted]General Counsel

I am rejecting this response because: there has been no resolution to this matter at the time of recipes of this letter.

RE: Response to Complaint #[redacted]     Dear Revdex.com,   Credit Union 1 has received and researched the member’s complaint with the Revdex.com. After close review, Credit Union 1 has determined that the member should be reimbursed for the fee incurred. The Branch Manager of the Northlake branch has spoken with the member regarding this incident and refunded the fee to the member. Our sincerest apologies for the inconvenience our member has experienced.     Sincerely, The Marketing Department Credit Union 1

Worst bank ever!... I change my auto loan to credit union 1 and it was the worst mistake ever!. They lost my warranty refund check. I submitted a request to change my due date it was never processed and every time I go in to ask for help they give me the run around. Horrible horrible horrible. Do not bank with them.

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.I RECEIVED A CALL THIS MORNING FROM LAURA TAYLOR,MANAGER OF THE NORTHLAKE CU1 EXPLAINING THAT A REIMBURSEMENT HAD BEEN DEPOSITED TO...

MY ACCOUNT. MS . [redacted] APOLOGIZED FOR THE INCONVENIENCE. THIS RESOLVES MY COMPLAINT.THANK YOU FOR YOUR ASSISTANCE,AL ROTHNORTHLAKE IL

Initial Business Response /* (1000, 11, 2015/10/20) */
A review of the account history showed a decreased in deposits causing your Courtsey Pay Limit of $800 to be removed. Our records show that a letter was mailed to the member on September 24th indicating the service was removed. Subsequently...

the credit union reimbursed the member $29 for the two overdraft fees incurred on October 7th and October 14th. On October 13th when a deposited posted a new Courtsey Pay Limit of $500 was added. Please understand that Courtsey Pay is a privilege and can be removed at any time without notice to you which is stated in the original letters your received when you first received Courtsey Pay.
Initial Consumer Rebuttal /* (3000, 13, 2015/10/22) */
(The consumer indicated he/she DID NOT accept the response from the business.)
There's wasnt a decrease in deposits. [redacted](who is on the account) got fired from credit Union 1 September 24,2015. The day they wrote the letter. I don't think they realized we still had direct deposits going into the account since he was fired. On the 25th of September we had a direct deposite FROM the credit union 1 and my place of employment. I spoke with the branch manager and he said it was falsely taken off the account and wrote a letter to my landlord saying the check shouldn't have bounced. My landlord obviously still charged me those fees because it was the banks mess up not theirs.

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.