Digital Federal Credit Union

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint # [redacted] [redacted] from DCU called me personally and helped me to resolve the issueHe was very polite and credited the cash advance feesI re-opened the checking account and am happy with their service.I understand that by choosing to accept the business response that my complaint will be closed as resolved Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] ***, retaliated against me because she knows that I did not want to work with her from the beginning, which is considered discrimination last time I checkedAs for the business, they refused to fix my hair, which is why I went to another hair salon and paid $to fix my hairI even attempted several times to contact them leaving messages after messages, and still got no responseSo therefore, the business owner is fabricating her storyFurthermore, I will be taking legal matterAs a long time banking customer, you do not stand by your customers Regards, [redacted]

A more recent letter was placed in the mail yesterday; I do not believe the member has received the most up to date information

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] The agent has stated "On February 8, 2016, a collections representative reached out to Mr [redacted] due to his loan being days past dueMr [redacted] explained that a scheduled transfer he had from [redacted] did not arrive.", this is not TRUE at allWe already had more than $and payment to home equity was less than $The agent I spoke to couple of times after the fact that they claimed that the money was not there confirmed that I had enough money to pay my monthly paymentThis has happened more than timesThey are lyingThe history in my account shows thatPlease make a note of thisPlease help us remove the wrongly reported to credit bureausThank you! Regards, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Please add your rejection comments below Hi ,Good morning.I accepted the business response this morning as resolved by mistake .All I wanted to do is reply back on the response to say I have already included the details they are requesting for.Please re- open the complaint as the the issue is not yet resolved by business.My complaint # [redacted] Thanks,**

They have sent a letter to me with no information only the information is please call [redacted] and there number I need to know extract reason Regards, [redacted] ***

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] [I do not know what your comment means? I understand the review is not over, I was commenting to the message sent from dcu and that I do not agree with their response I did not agree with their statement and when I went to comment on that I hit that I didn't accept the response but was unable to comment I look forward to more results when this has been completed.]I feel that the information provided by DCU is half true as indicated by them they stated they provided me when my account was which is a lie, they provided me that amount after my paycheck was applied which left a remaining balance of -approx., they also indicated I had several conversations about overdraft and what they neglected to state was that they returned fee's because when I joined dcu I thought I had overdraft protection immediately and used the account accordinglyThey stated to me that I didn't have o/d protection because I need to be with the bank for months and only refunded the fee's because I was told otherwise when I signed up for it when I joined the banktwo months later (around Dec) they sent me a letter stating I now had overdraft protection so I did utilize their serviceI did not use it for a long period as suggested, the first time I was actually allowed to, they shut me off immediately with out warningThey also suggested my [redacted] score was when they approved my loan but after they shut off the overdraft protection I was not able to pay any bills and or loan repayment for a good month and as a result of that my [redacted] score dropped to aprox on [redacted] ***I also received several harassing letters stating they were going to default my car loan because I couldn't pay them anything during the full month of January trough Feb because my account was negativeI tried to ask them not to shut off the overdraft so I could pay bills and such and they literally laughed in my face and had no sympathy for what I went through with the mis understanding of how their service worked after admitidly stating I assumed o/d worked as it did when I had it with another bankThat is no way to treat somebody and certainly was not fairI was expected to repay the full immediately because they shut me off and didn't consider my mis understanding of how it workedI find this bank disgusting and ignorant in the way they treated meI explained this in full detail of my entire experience and they only touched upon what they felt was needed to be said to save their own faceI want this note plus more that I have to say added to my response and would like to be able to add it as when I tried it just submitted my request as that I didn't accept the response with allowing me to state why Regards, [redacted]

The payment to [redacted] is an automatic payment that is set up to be paid on the 1st of each monthWhen the payment date for an automatic payment falls on a weekend or holiday, the payment is made on the business day prior to the due date so that it will be paid on time and is not paid late Business days are Monday through FridayThis information is also available on our websiteFor fee refund requests, we typically will refund a fee when there is an error that was made by usFor fees that are charged correctly, we do take each situation into consideration when a request is made to refund the feeFor this specific membership, there is a history of refunding feesHowever for this instance, we understand that the member was not aware that the payment would be sent on the prior business dayWe also see that a deposit was made that same dayIn the meantime an additional NSF fee has posted for $as well as a $transfer fee, for a total of $ We have provided a credit to the member for $Now that the member is aware of the process for automatic bill payments, he will be responsible for any fees that are incurred in the future for similar situationsA team member will also contact the member to ensure he has all the informationThank you!

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] [I Don't agree with the business responseLike I mentioned in my original complaint I haven't received any mails from [redacted] notifying the placement of *** Does [redacted] have any proof of the delivery, signature of receipt?] Regards, [redacted]

Dear ***,I apologize in having this escalate to this point and for the service you received We have reviewed this the individual to ensure someone else does not receive the same service.As for your complaint, you reference the issues with paying on your loan It is unfortunate to hear you’ve been experience financial difficulties Although the DCU website in the past has not permitted external payment sources, you have always had the ability to set up an automatic reoccurring transfer from another institution via an ACH transfer Additionally, last month, DCU rolled out an update to their online banking to allow payments to DCU loans from external sources Regarding the application of the payment in question, these do not sit on any individual’s desk for processing As an institution as large as ours, these payment are automatically processed through the system and applied on the date received via computer processing Unfortunately, DCU has even experienced issues with [redacted] delivering of mail in a less than timely fashion Should you be close to the day deadline, it would be imperative to send it certified with a tracking number to ensure its arrival prior to being days late The day late on your credit report was not the fault of DCU for delayed processing, and without a tracking number providing the delivery date it would be impossible to say it had arrived earlier.Typically, as this was not an error on DCU’s end this late reporting would not be removed However, given the extenuating circumstance, I have approved a courtesy removal of this credit hit Please note, as of the date of this notification we have sent the update to all three credit reporting agencies It can take up to days to be reflected by each bureau as we cannot guarantee any specific processing time for [redacted] , [redacted] and [redacted] Please note, should you become days late at any point in the future, similar courtesy removals will not be granted.Thank you, [redacted]

Hello ***, We are sorry you still disagree with information provided The increased limit was processed in accordance to procedure, policy, and in addition to relevant laws and regulationsYou authorized the transactions which led to you reaching your maximum credit limit By using the ***, you agree to all terms and conditions within the disclosure As previously referenced, in that disclosure, authorized use of the card and liability to pay is your responsibility Therefore, the outstanding balance remaining on your [redacted] loan will not be eliminated in any amount as the transactions posted to your account were transactions authorized by you Thank you

Dear Mr [redacted] ,We are sorry that you were inconveniencedInitially, you were unable to perform the ATM deposit because your account balance was negative and consequently blockedYou then made the deposit via a non-proprietary ATM resulting in a hold on the fundsYou could avoid a similar situation in the future by making your deposits at a physical shared branch location at which the staff will be able to verify the deposit is in fact cash and not place a hold on the fundsThis was unfortunately not possible at the ATM you used and the routine hold was applied as is disclosed you in the Funds Availability section of our Truth-in-Savings Disclosure and Account Agreements which was provided to you when you opened your account

Dear Mr***, Our records show that you contacted DCU directly on Friday April 22, with regards to the inaccurate credit reporting on the Auto LoanAt that time, DCU took action and submitted a correction on Monday April 25, to all credit reporting agencies to reflect the loan as paid after charge off with a zero balance A 2nd dispute was received directly from the credit reporting agencies and DCU responded in the same way on May 17, While action was taken on both the verbal and credit reporting agency disputes, we cannot speak to the internal procedures and timelines of the credit reporting agencies for processing the corrections On May 23, 2016, a 3rd request to update the Auto Loan information was submitted to all credit reporting agencies and we confirmed that the loan is now reporting correctly on [redacted] In the event you has any additional questions or concerns he can contact me directly at [redacted] ***I am generally in the office Monday-Friday 8am – 5pm EST Thank you, [redacted] Assistant Collections Manager Digital Federal Credit Union Phone: [redacted] Tell us why here

Good Morning ***, The inquiry was a result of a Auto Loan Application by someone alleging to be you The inquiry was done based on online consent of accept disclosures The loan application was withdrawn To settle this matter, we have as requested, removed the inquiry from your credit report Additionally, we would recommend placing a Credit Freeze or Fraud Alert on your credit report to protect from fraudulent inquiriesThank you, [redacted]

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] Regards, [redacted]

Tell us why here...Dear [redacted] , I am sorry to hear about your family emergency and the complaint pertaining to your accountAccording to our records, the research indicates the following pertaining to your membership: • June 15, you owed a minimum payment of $This was not paid • July 15, you owed the past due amount of $for June and the current minimum of $for July making your total amount owed by 7/15/$Our collections records show you spoke with an agent on 7/2/with a promise to pay $on 7/This would have paid your balance in fullYou failed to follow through on the promise made for that paymentYou paid only $on 7/3/Which satisfied the past due amount of $and left you still owing $for 7/15/ • July 20th, you made a payment of $which satisfied the July minimumYour balance at that time was This left you with a balance of $As you did not satisfy the ending statement balance you were assessed interest making your total balance in August No payment was received in August, making you past dueFurthermore, there is no record of a contact you made to DCU to confirm the balance had been paid in fullAlso, there was no recorded call to our information center on our about the time of the payment s where you were told the balance was paidAdditionally, this payment did not pay the balance off in full as described abovePlease see the attached transaction history showing this • After not receiving a payment for August you were assessed $in interest on the balance of $This brought your total balance to $due 9/15/No payment was received • You then became due for 10/15/owing a total amount of $after a $late fee and $in interest • DCU Collections attempted to reach you by phone on 9/23/but was hung up on • DCU Collections attempted another contact 10/ • You reached back out to DCU on 10/to resolve and pay the balance As you initially made a promise to our collections department to pay the balance on 7/2, this issue would have never aroseHowever, you are permitted to only make the minimum payment which is your choice to doUnfortunately, after making the $payment and $payment, you did not satisfy the balance in full leaving an amount of $still owed which was not paid until 10/It is your responsibility as the borrower to ensure timely payments to your cardPer the Fair Credit Reporting Act, DCU is required to report all loans accuratelyAs there is no evidence of a DCU error resulting in the late payment we are unable to remove the credit hit.Thank you, [redacted]

We understand that Mr [redacted] would like the credit inquiries pulled, or modified to a soft pull vsa hard pullHowever, we have determined that the credit inquiries are legitimate and occurred as a result of membership and product applications submitted by Mr [redacted] We have reported this information to Mr [redacted] and understand he is not satisfied with that informationHowever, the information is complete and accurate and we have nothing further to addThank you

That's ok no apologies needed I know the person that process the check misread the account number Mistakes are ok that is how we learn

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] The response did not indicate the email to use, so I telephoned DCU and requested it The representative I spoke with declined to let me speak with the department responsible for reviewing this matter, but provided an email address The representative I spoke with did not have information on how to transmit to that email address securely, so I wrote to that address requesting instructions for establishing a secure channel to transmit my information (including pay information and my social security number) I have not yet received a response instructing me how to transmit my data securely Regards, [redacted] ***