Desert Financial Credit Union

Hello.Attached please find our response to the Revdex.com Compliant # [redacted] .Thank you.Deana H [redacted] Executive Assistant [redacted]

To Whom It May Concern:Attached please find our response to Revdex.com # [redacted] .Thank you.Deana H [redacted] Executive Assistant [redacted] 10/26/

To Whom It May Concern,Attached please find the response to the Revdex.com Complaint [redacted] as well as copy of the letter and response as noted in the Revdex.com response letter for your reference.Thank you.Deana H [redacted] 7/8/

Attached is a copy of our follresponse to Revdex.com complaint ID # [redacted] submitted by our member [redacted] October 5, 2015Mr [redacted] ***RE: Revdex.com Complaint ID # [redacted] Your recent follow up letter sent to the Better Business Bureau was forwarded to me to review.I would like to sincerely apologize that my previous response caused additional frustrations for youIt was definitely not my intentI appreciate the feedback you provided and will consider it in future correspondence.If you have any additional questions or concerns, please feel free to call me directly at [redacted] Thank you,Sandy K [redacted] Executive AssistantDesert Schools Federal Credit Union

To Whom it May Concern:In regards to Ms [redacted] Revdex.com Complaint # [redacted] :"I just got off the phone with MsStover She was very cordial and I was able to answer all of her questions and concerns At the end of the call, she shared with me that the Revdex.com complaint she had written does not need a response at this point As she put it, I “completely took care of her concerns, answered all of her questions and she knows what she needs to do to use her Bill Pay again” Please let me know if you need anything else." We are considering this matter closedThank you.Deana H [redacted] Executive Assistant [redacted]

Attached is our response to the Revdex.com complaint ID # [redacted] submitted by our member [redacted] If any questions or additional information is needed regarding this complaint, please contact us.Thank you, Sandy K [redacted] Executive AssistantDesert Schools Federal Credit Union

September 21, 2015Ms [redacted] [redacted] ***RE: Revdex.com Complaint ID # [redacted] Dear Ms [redacted] :Your recent concerns filed with the Revdex.com have been forwarded to me for researchI have reviewed your account and the concerns described in your letter, along with Deserts Schools’ practices as they pertain to your account and have summarized my findings below.Your complaint noted a number of concerns; I will do my best to answer each individuallyThe principal issue appears to be a misunderstanding regarding the impact of the terms of your divorce decree on your obligation to Desert Schools under loan # [redacted] .The divorce decree is the final ruling of the court which officially terminates a marriageAs was apparently the case in your situation, the divorce decree typically identifies which of the parties bears specific responsibility for satisfying each of the shared obligations remaining from the marriageHowever, while the obligations established by the decree are binding on both of the divorcing parties, they do not alter the two parties’ shared obligation to their joint creditorsConsequently, although one divorcing party may be obligated by the divorce decree to satisfy a debt, the creditors may continue to view that as a joint obligation until it is paid in fullThis is why, when your ex-husband made late payments, that information was reflected on both of your credit profiles.Your letter also requests that Desert Schools modify our credit reporting to indicate the sale of this debt to Innovative Debt Recovery (IDR)In fact, your account has not been sold to Innovative Debt Recovery and is still owned by Desert SchoolsAt the time of the Short Sale of your home, in October 2011, you executed a “Short Sale Agreement” with Desert Schools which modified your existing Home Equity Line of Credit (HELOC) to reflect the substitution of a Stipulated Judgment in lieu of collateralThis allowed you and your ex-husband to repay the loan under the original terms Payments were made as agreed until July The delinquency continued until December 2013, when we charged- off the loan At that point, rather than executing the stipulated judgment and pursuing the account through the legal process, Desert Schools assigned the account to IDR in an effort to reach an amicable repayment arrangement on the charged-off balance Clearly, IDR was ultimately able to make a suitable payment arrangement as we have received $each month, since September 2014.It is regrettable, both that you and your ex-husband were unable to repay the loan in accordance with the short sale agreement, and that your ex-husband was initially unable to fulfill the repayment obligation imposed on him by your subsequent divorce decree However, your loan is being correctly reported to the credit agencies as “Charged Off” When the balance is paid in full the status will be updated to reflect that the account is a “Paid charge off” In fact, Desert Schools has responded to credit disputes filed by you with the credit reporting agencies since May In response to each we have investigated, re-investigated and reviewed all relevant documents Each time we have affirmed that the reporting of your account as “Charged Off” is accurate.I appreciate the opportunity to respond to the concerns you outlined in your letterI hope my response adequately explains the actions taken on your account as it relates to the disputes and addresses your concernsIf you have any further questions or concerns, please feel free to call me directly at [redacted] .Thank you,Sandy K [redacted] Executive AssistantDesert Schools Federal Credit Union

I am writing in response to your follow up letter on June 11, to the Revdex.com regarding your account issue not being resolvedThank you for bringing your concerns to our attention.In your response, you indicated you were not able to log into online banking and that you were unable to conduct transactions on your account even after bringing your account to a positive balance.Our records indicate that you had a direct deposit to your account on June 8th which brought your account to a positive balanceAn account that is in collections is not automatically returned to active status after it is brought currentIn order for the account status to be changed, it requires a phone call from the member so that we have an opportunity to review the accountIt does look like you contacted Desert Schools on June 12th at which point your debit card and online banking access were restoredWe apologize for the inconvenience you may have experienced.In response to your letter, we also had a supervisor from our Member Assistance Center contact you on June 15th to ensure that you were able to log into online banking and that your debit card was working properlyDuring that call we were able to have you log in successfully as well as confirm your debit card was working.I hope my response adequately explains our processes and addresses your concernsIf you have any further questions or concerns, please feel free to call me directly at ###-###-####.Sincerely, [redacted] Vice PresidentContact Centers & Credit Services

Attached is a copy of our response to the Revdex.com complaint ID # [redacted] submitted by our member [redacted] If any questions or additional information is needed, please let us know.Thank you,Sandy K [redacted] Executive AssistantDesert Schools Federal Credit Union

Attached is a copy of our response to Revdex.com complaint ID [redacted] submitted by [redacted] If any questions or additional information is needed, please contact us.Thank you, [redacted] Executive AssistantDesert Schools Federal Credit Union

Dear Ms [redacted] :I am writing in response to the complaint you recently filed with the Revdex.com regarding your account being overdrawn and information you obtained about bringing it to a positive balanceThank you for bringing your concerns to our attention.In reviewing the details of your account, it appears your account has been negative since April 28, You indicated that you made deposits into your account to bring it positiveAlthough you made a deposit on May 11th and May 26th the account did not have a positive balance for at least one business day as explained in our Statement of Terms, Conditions and DisclosuresAdditional debit transactions cleared the same day you made your deposits therefore keeping your account in a negative balanceSince the account did not meet this requirement and you have had a negative balance for over days, the account is subject to collections activity.On May 29th, you spoke with our Credit Assistance department and were informed that they will give you until the end of June in order to bring the account currentAs long as the balance is brought current for at least one business day by June 30th, then your account will be returned to an open and active statusYour online access is currently unavailable until your account is brought currentIf your account is not brought current by June 30, then the account will be charged offA charged off account does not reflect on your credit reportAt this time, we are not able to grant you a further extensionWe do encourage you to contact our Credit Assistance department at ###-###-#### if you would like to discuss this matter further to see what options you would like to present to bring your account to apositive balance.I do apologize if any information provided to you was not clear on how your account functionsI hope my response adequately explains our processes and addresses your concernsIf you have any further questions or concerns, please feel free to call me directly at ###-###-####

Revdex.com:Hello DSFCUWords cannot express how thankful I am for your prompt response and action that was taken regarding my checking account.My heart is filled with gratitude, knowing I can count on my Financial institution to do what is rightIt also comforts me to know, that I have chosen the right CU for all my banking needsI will continue to share with my friends & family of our trustworthy relationship.Again, thank you from the bottom of my heart I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait until for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]

To Whom It May Concern,Attached please find a copy of the response to [redacted] , [redacted] ***, for your records.Thank you.Deana H [redacted] Executive Assistant [redacted] 7/12/

HelloWe are in the process of reviewing Mr [redacted] 's issue and appreciate the Revdex.com allowing us adequate time to research and provide a response.Thank you.Deana H [redacted] Executive Assistant [redacted] 11/30/

Attached is a copy of our response to Revdex.com complaint ID #*** submitted by our member *** ** ***.If any questions or additional information is needed, please contact us.Thank you,*** ***Executive AssistantDesert Schools Federal Credit Union

Revdex.com:
I
have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

I am writing in response to the complaint you recently filed with the Revdex.com regarding overdraft protection being added to your account and subsequent non-sufficient funds (NSF) fees being applied to the accountThank you for bringing your concerns to our attention.In your
complaint, you indicated your belief that Desert Schools enabled Privilege Pay without your consent which led to eight overdraft fees being incurredThat is not the casePrivilege Pay has not been active on your account since April 20, and, as a result, Desert Schools will not authorize debit card transactions against an insufficient balance.In this case, the Paid NSF Fees assessed to your account in April and May of this year resulted from debit card transactions which were each authorized against a sufficient balanceHowever, because the merchant was apparently slow in completing the transactions, the funds held against those authorizations had been released and the account balances were no longer sufficientA Paid NSF Fee of $was applied to each transaction.Our Statement of Terms, Conditions and Disclosures that govern your account state: “Once the Credit Union approves an authorization, the amount of that authorization will be held against the checking account or applicable overdraft accounts until the completed financial transaction is submitted by the merchant or one business day, whichever occurs first.” The one business day limit is enough for most transactions to be completed because, as you might imagine, merchants are typically keen to complete transactionsHowever, there is no requirement that they do so within one day, which seems to have been the case in this situation. This makes it important that you remain aware of your available balance. As a courtesy, I have refunded the additional four NSF Fees on your accountHowever, in the event this situation recurs in the future you should expect we would again apply Paid NSF Fees of $for each transaction, up to a maximum of five per day.I hope my response adequately explains our processes and addresses your concernsIf you have any further questions or concerns, please feel free to call me directly at ###-###-####

[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 ***, and find that this resolution would be satisfactory to me. I will wait until for the business to perform this action and, if it does, will consider this complaint resolved
Regards,
*** ***

Attached is a copy of our response to the Revdex.com complaint ID #*** submitted by our member *** ***If you have questions or need any additional information regarding this complaint, please contact us.Thank you,Sandy K***Executive AssistantDesert Schools Federal Credit
Union&n**p;&n**p;

I am writing in response to the complaint you recently filed with the Revdex.com regarding the discrepancy in balances and non-sufficient funds (NSF) fees being assessed to your accountThank you for bringing your concerns to our attention.For the discrepancy in balances
provided on your receipts and online, I am unable to research or respond to this portion of your inquiry as specific dates and transactions were not providedIf you are able to provide additional documentation regarding the dates of the transactions and balance discrepancies we would behappy to research this further for you.In regard to transactions in which funds have already been set aside and were assessed Paid NSF fees, in accordance with the Statement of Terms, Conditions and Disclosures that govern your account, once the Credit Union approves an authorization, the amount of that authorization will be held against the checking account orapplicable overdraft accounts until the completed financial transaction is submitted by the merchant or one business day, whichever occurs firstWhile the funds are on hold for an authorization, they are not available for withdrawal by any meansAdditionally, if an item is paid against insufficient available funds, a notice will besent to you and a fee will be imposed as set forth on the Fee Schedule adopted by the Credit Union.As a courtesy and exception to the above stated account disclosures, we have refunded $in Paid NSF fees to your accountI hope my response adequately explains our processes and addresses your concernsIf you have any further questions or concerns, please feel free to call me directly at *** ***