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]. 
[Since I paid over $700 in interest for this loan, now closed, that  I would receive some sort of form.]
Regards,
[redacted]

DCU will contact the member to explain the insurance requirements needed to maintain the auto loan.

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].  
[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 checked. As for the business, they refused to fix my hair, which is why I went to another hair salon and paid $140 to fix my hair. I even attempted several times to contact them leaving messages after messages, and still got no response. So therefore, the business owner is fabricating her story. Furthermore, I will be taking legal matter. As a long time banking customer, you do not stand by your customers.  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]. 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]. 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]

We understand that Mr. [redacted] would like the credit inquiries pulled, or modified to a soft pull vs. a hard pull. However, 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 information. However, the information is complete and accurate and we have nothing further to add. Thank you.

Hello [redacted], 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 regulations. You authorized the transactions which led to you reaching your maximum credit limit.  By using the [redacted], 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

Please note that Rewards Points expire 4 years from when they are earned.  The reason for the large lump sum of points (80K+ in this case) is that we switched vendors 4 years ago and moved all points to the new system. The new expiration date for all points that were transferred over was...

June of 2015. We have reviewed the membership and see that a total of 82,757 points have expired. Since 20,000 have already been credited back we have credited 62,757 points to be used within 30 days. This should provide sufficient time to use the points that have expired. In order to know what points are expiring going forward, please review your account on the [redacted] web site. This is the site used to make purchases. A team member will also reach out to you to ensure you are aware of the credit. Thank you

Tell us why here...Dear [redacted],
I am sorry to hear about your family emergency and the complaint pertaining to your account. According to our records, the research indicates the following pertaining to your membership:
•
June 15, 2015 you owed a minimum payment of $25.00. This was not paid.
•
July 15, 2015 you owed the past due amount of $25 for June and the current minimum of $25 for July making your total amount owed by 7/15/15 $50.00. Our collections records show you spoke with an agent on 7/2/15 with a promise to pay $139.52 on 7/2. This would have paid your balance in full. You failed to follow through on the promise made for that payment. You paid only $35 on 7/3/15. Which satisfied the past due amount of $25 and left you still owing $15 for 7/15/15.
•
July 20th, you made a payment of $100.00 which satisfied the July minimum. Your balance at that time was 130.88. This left you with a balance of $30.88. As you did not satisfy the ending statement balance you were assessed interest making your total balance in August 32.15. No payment was received in August, making you past due. Furthermore, there is no record of a contact you made to DCU to confirm the balance had been paid in full. Also, 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 paid. Additionally, this payment did not pay the balance off in full as described above. Please see the attached transaction history showing this.
•
After not receiving a payment for August you were assessed $0.30 in interest on the balance of $30.88. This brought your total balance to $32.45 due 9/15/15. No payment was received.
•
You then became due for 10/15/15 owing a total amount of $57.76 after a $25 late fee and $0.31 in interest.
•
DCU Collections attempted to reach you by phone on 9/23/15 but was hung up on.
•
DCU Collections attempted another contact 10/1
•
You reached back out to DCU on 10/2 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 arose. However, you are permitted to only make the minimum payment which is your choice to do. Unfortunately, after making the $35 payment and $100 payment, you did not satisfy the balance in full leaving an amount of $30.88 still owed which was not paid until 10/2. It is your responsibility as the borrower to ensure timely payments to your card. Per the Fair Credit Reporting Act, DCU is required to report all loans accurately. As there is no evidence of a DCU error resulting in the late payment we are unable to remove the credit hit.Thank you,[redacted]

Good Morning [redacted], 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 inquiries. Thank you,[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]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Hello,Unfortunately regardless of the amount paid towards this loan, we are not required to send any sort of 1098 form specific to this loan and interest paid.  This is not considered a mortgage loan and that is why we would send no tax form for interest paid towards this loan.Regarding how this might affect your tax situation, we recommend that you speak with an attorney or tax advisor on any questions on how this loan and interest impact your tax situation.We apologize for any confusion but have confirmed no notice would be sent regardless of amount paid in interest.Thank you

Revdex.com:
Appreciate Revdex.com's mediation to bring this to a speedy resolution, also appreciate DCU's gesture of refunding interest charges.  I am ok for closure of this complaint.
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. 
Regards,
[redacted]

Dear [redacted], We sincerely apologize for our having allowed this complaint to escalate as it did.  After review the transcript and transaction history of your account I do see the noted issue as described.  Because they full payment did not arrive until 1/7/16 you were assessed the...

interest on the balance as you did not meet your ending statement balance due by 1/5/16.  For the breakdown of how we arrived to the figured, please view your electronic statement found in online banking.  The method used to compute the interest is an industry standard method of calculating the average daily balance.  This breakdown is listed on the disclosure page of your statement.  Based on you history with DCU, I have approved the refund in the amount of $16.06.  You can see this in your Online Banking transactions for your [redacted].  Additionally, DCU has implemented new options to pay your loans through external account and the product is called Payment Center.  If you have question about this service please feel free to call us at [redacted]. Thank you, [redacted] Tell us why here...

DCU worked with member to provide full refund of force placed insurance; member will be required to maintain proper insurance coverage in accordance with the Loan Note and Disclosure to avoid future charges

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]. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
Regards,
[redacted]

Ms. [redacted], We apologize that you had to contact the Revdex.com to help seek resolution with your complaint.  The complaint was forwarded to our loan department to handle the issues surrounding the payoff of the loan.  Per our Consumer Loan Department who handles Solar Loans, we were informed...

that the lien for the loan was recorded twice inadvertently.  Therefore, [redacted] was requesting the removal of both lien recordings to proceed with your request.  We worked with the Citrus County Court to have the issue rectified. To resolve the issue, a termination letter for the second lien was sent to Citrus County Court, and payoff letters and copy of the termination letters were sent to [redacted] and accepted by them.  We attempted to contact you today by phone to inform you of this but were unable to reach out, and left a message to call back. We hope this resolution is satisfactory and addresses your complaint.  Should you have any questions regarding the resolution, you may contact [redacted], Consumer Loan Assistant Manager, via phone at ###-###-#### extension [redacted]. Thank you, [redacted] Risk Management Assistant Manager 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 not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. Please add your rejection comments below. 
 
Regards,
[redacted]