Digital Federal Credit Union

Hello, We received word from our consumer loan department that this was discussed with you yesterday and we have informed you the credit bureau report would be updated to remove this credit hit. Thank you,DCU

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 # Please add your rejection comments below.
They have explained what they are doing to me. I don't agree that they should have the right to do that to me
Regards,
*** ***

Dear Ms***, After review of your complaint, we have investigated the issue and our response is as followsRegarding the title issue, your signed loan documents included a paperwork stipulating that you must provide DCU with the title, and assign DCU as the lienholder on the vehicle. As
of today, your title has been received and DCU has been made lienholder so there is nothing more we need in regard to your vehicle’s titleRegarding the mortgage loan, there was an unfortunate keying error when boarding the member’s mortgage in a third party system. This allowed for the statement to be inadvertently displayed under your membership. You were not at no point ever responsible for the debt. Additionally, this was not reported to your credit report because the loan was under another individual’s name and tnumber. Therefore, there were no late reporting of the mortgage to the credit bureau to impact your credit. However, if you have pulled your credit report and see any disagreement, you may contact us to file a credit report dispute form. As of today, you should no longer see this statement in your online bankingThank you, DCU

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 # ***
Regards,
*** ***

Revdex.com: According to the FCRA you MUST furnish the consumer contract or credit applicationDCU never provided anything and The credit Bureaus removed itFor whatever reason it still shows on Experian DCU has been in violation for quite some timeMy next step is to perdue further legal action as DCU I'd in direct violation of the law None of the credit Bureaus ever had a consumer contract or credit application and every time DCU claimed that theyailed this to my address, it was an outright lie Nothing was ever sent which is why Equifax and Transunion deleted it DCU must remove this erroneous item immediately
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 # ***Please add your rejection comments below.
[If you are rejecting the business's response please enter your rejection comments here.]
Regards,
*** ***

Hello,We have attempted to make contact with the member multiple times since
the origination of the complaint. However, we have not been able to reach them via phone to discuss the issues. The contact information we have on file is
for a tax service that does not reference this member nor is a specific
extension we can reach *** at. As
there is no apparent connection, we have not left a message for security
reasons. Both transactions referenced we returned due to Regulation D.ACH payment to *** *** for $340.03 10/30/15This payment was returned for hitting Reg D. It was never deducted from the account.*** transaction for $11/18/15You did receive an email from *** advising that they have
temporarily disabled her account due to the return. But it was not a
permanent revocation.As stated, online transfers and electronic withdrawals that
count towards your reg-d limit of transactions. This includes transfers from the savings to
your other accounts here at DCU. Thank you,***

Hi ***,I have sent you a secure email to open up this as a method to transmit the documents. Once received, I will forward them to the appropriate area for review.Thank you,***

Hello,To submit the documents, you may utilize a service to obtain color copies or if you have a smart phone you can take a picture of the requested documents and email them to DCU. As of this time, the membership has not been closed.Thank you,DCU

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 # Please add your rejection comments below.
[If you are rejecting the business's response please enter your rejection comments here.] I do not understand their statement.
Regards,
*** ***

We have completed our investigation and it appears the original loan decision was reversed when it became known this member had new credit cards in the past months. Although we certainly apologize for any miscommunication or inconvenience we do feel this was the right decisionWe
will close the account, refund the $and reverse all but one of the credit inquiriesThank 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 # ***Please add your rejection comments below.
[I understand that DCU may have been tiptoeing within the legal boundariesThat doesn't change the fact that you increased my limit without so much as a notification or a phone callIf someone had called me to ask permission, I would have, without hesitation, declined the offerIf DCU will eliminate a reasonable portion of the debt, I will accept the restI do not accept your responsibility position ]
Regards,
*** ***

The payment made on 5/9/posted on 5/9/There was no delay in the posting of this paymentThis payment was also reported to the credit bureaus accuratelyWe have reviewed calls and did not find that anyone stated that the payment was made just in time and would not be reported as latePlease let us know if you need anything furtherThank 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 # ***Please add your rejection comments below.
I reject their response for the following reasons. I know for a fact, that when I originally applied in person, at the ***, MA location, I was approved for more than $I personally had to request this limit, as I was approved for a higher amountI remember this distinctly, as I had to tell the DCU employee more than once that I only wanted a $limit. As far as what DCU is alleging took place at 7AM on Feb 27, 2015, I find it very hard to believeI have no recollection whatsoever of accepting a pre-approved limit increase of several thousand dollarsFurthermore, I do not typically wake up first thing in the morning & access the DCU app to make major banking decisionsWhat was the trigger for my acceptance, silence? I didn't sign anything, speak to anyone, or know that my limit was being increased. This maneuver that DCU pulled is fraud at worst, and extremely unethical at best I will not accept DCU's response until they eliminate some of-all of the outstanding *** balance.
Regards,
*** ***

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 # ***Please add your rejection comments below.
[I was originally approved for a $or $limitI specifically requested that it only be $500, when I was in college The following year I applied for an increase which was deniedNo problem thereA year and a half I apparently applied for a $increase, but never sent in pay stubs, so that was deniedNo problem thereAs far as accepting a "pre-approval" to increase my limit to $10,000? I have no recollection of ever seeing this, or accepting such approvalAnd yes, obviously I was able to make my car payments during this time, because I was using the credit card to make such payments I accept the fact that I shouldn't have used the credit card, but it was my only option to stay afloat, and an option I never wanted, asked for, or acceptedBy the time I realized what the new limit was, it was too lateI fell right into the trap, that I had nothing to do with settingI am a young adult, trying to do the right thing financially, get everything in order, and take care of my responsibilitiesMy ability to do this has been profoundly compromised due to DCU's practice of preapproving people who don't want increased limitsI am willing to accept my portion of this liability if DCU is willing to accept some as well. ]
Regards,
*** ***

DCU contacted member and provided further information regarding the wire transaction and exchange rates/process

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 # ***
[Yeah that document was signed by me but that document has lot of clauses and honestly I didn't remember thisHowever this particular clause was not clearly articulated by the representative over the phone at the time of loan approvalIf I had been told of this I would taken a full insurance thenMoreover as a member I expect at least a courtesy call from *** when there was no acknowledgement from me for the mails sent(which I never received)*** has my contact number to reach me and alert me about this but unfortunately I was not calledIt is when I called them to find out the reason for the loan balance increment then I was told about this charge put on my accountI have a good payment history and never missed even a single paymentI didn't expect *** to be unfair to it's costumers and penalizing such a huge amount without a proper notificationHence I would request for the refund.]
Regards,
*** *** ***

Dear Mr***, We are sorry to hear that you rejected our first response. We have reviewed the additional information you provided in your rebuttal. After performing a secondary investigation of your membership, checking account, and loan payment history we have found the following informationRegarding the initial application of the *** Card, our records show you requested a $and were approved for only a $limit based on the underwriting of the loan. There was no approval for a limit of $or $as referenced in your complaint. Regarding the acceptance of the preapproval offer, our records show you accepted the preapproval offer through the DCU Mobile Banking Application on February 27, at 7:12:AM. The acceptance was done on the registered *** *** device associated with your membership. This means that you were logged into the DCU *** App, from your previously registered *** device, using your membership number and unique password created by you, and during the referenced session you accepted the preapproval offer for a *** increaseWhen you accepted the preapproval offer from your ***, this sent a request to our consumer loan department. To finalize the limit increase, DCU reviewed the direct deposit history of your DCU checking account to validate sufficient income. The credit limit increase was processed in accordance to standard policy and procedure. The credit limit increase was communicated to you after processing on your March *** Statement, and has been attached for your reference. Additionally, attached for your reference, you will find a history of your credit card transactions and your checking account transactions. After reviewing the history, we found no instance of the *** funds being used to pay your car loan as you state in your complaint. In the history of the cash advances, you will see that after each advance there is a subsequent ATM withdrawalThe history shows each vehicle loan payment was made after you received a direct deposit of funds, and not after a cash advance from your ***. Therefore, we disagree with your statement that the funds were used to pay for your vehicle loan with DCUAs originally communicated, DCU will not eliminate any portion of the outstanding *** balance owedThe transactions which caused you to reach your maximum credit limit, were approved and authorized by you, and therefore you are responsible for the outstanding debt. We recommend that you contact ***, a free service available to all DCU members that provides budgeting and money management information that has helped many of our members avoid fees altogetherThey can be reached at *** or ***Thank you, William Risk Management Assistant Manager

Dear Revdex.com, We reviewed the complaint submitted by *** *** regarding her use of DCU’s Overdraft Payment Service (the “Service)As you can see on the attached, the first bullet on our Overdraft Payment Service Disclosure, which is provided to each member at membership
opening and again when they actively apply for the Service, explains that it is meant to cover unintentional overdrafts, is not a line of ***, and any resulting overdrawn balance must be repaid promptlyIt also clearly states that any negative balance not promptly repaid would result in suspension or termination of the serviceLastly it provides guidance as to how overdrafts can be avoided including contact information for a service FREE to DCU members that has certified counsellors available who can assist in budgeting and managing expensesWe believe this illustrates our interest in our members well-beingSince opening her Membership in September 2017, our agents have had numerous conversations with Ms*** explaining how the Service works, reviewing its intended use, and reimbursing multiple feesDue to Ms*** having a delinquent loan and negative share balance at the time we believe how her funds are utilized is our business to an extentAt the time DCU allowed Ms*** access to $290.00, her actual account balance was negative $1,We are still looking into Ms***’s statements regarding her conversations with our collections department and the lack of response to her letters and we will provide another update when we have completed this investigationAs to her request that we restore her ***, Ms*** had a *** score of with more than one charge-off recorded on her *** bureau report when her DCU auto loan was opened approvedSincerely,DCU Risk Management Department

I have recently moved to NewJersey and updated the address on my account to reflect the move now.old address:*** *** *** *** *** **New Address:*** *** ** *** **I have My member number in the complaint itself - ***

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 #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.I appreciate the assistance in clearing up the issueAs it is now possible to make payments using external bank accounts I no longer will have to snail mail my loan payments and hope the check arrives in time as I can now execute electronic payments! :-)
Regards,
*** ***