Double K Grocery & Deli

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my complaint I took this loan over after my mother passed away at the time of the loan I was told by [redacted] one of the employees of Upstate FCU that they would receive the title and have my father sign it within days and send it back then it would taken care ofI thought that had been completed as they said they would doThe loan documents that I signed that is attached to this file clearly states on page paragraph ownership of the propertyThat I promise to purchase the property which I did because the loan that I took out paid his loan that he had with Upstate FCUTherefore I never received any cash of any kind for this loanThe only reason I took the loan was for the carWhen my father refused to sign the title I should have been notified right thenIt was not until months later that I was made aware that he refused to sign the title and sell me the carI have the car in my possession and will gladly give it back when he takes over the loanI was there at Upstate FCU in march when another employee called my father to sign the title and he told her that he is not signing the car over and to hold the car in her possession and he would pick it upShe told him that she could not do that if he wants the car back that is fine but he needs to take his loan back that he had at Upstate FCU I am only wanting not to be responsible for someones else property or pay for something that I can never ownI have never been late on any payment even with this terrible situation going onPlease give him back the loan that he had for the car at your establishment so we can be done with this terrible situationHe is the one that backed out on the selling me the car and I am the one being punished for it because I am being held responsible for something that I don't own and will never own according to my fatherIn the loan I signed it was my understanding that I am using the car as collateral how can I do that if I do not and will not own the carThe loan that I signed states that I own the car and until February of I thought I did it was a complete shock to find out that he had refused to sign the title and I was still paying for the car and was unaware that he did not sign the title therefore refusing to sell it to meI would have never taken this loan out knowing that he was not going to sign the titleI have good credit and I pay the insurance on the car anyway and that is in my name so that would have not been an issueI hope that we can get this matter taken care of] Regards, [redacted] ***

Upstate Federal Credit Union has a desire to serve our members with the utmost respect and professionalismWe are familiar with the application referenced in this complaintUpon reviewing the application, additional information and documentation was needed from the applicantOur lender has reached out to the applicant, leaving a message on two separate occasionsWe are unable to make an affirmative loan decision without obtaining the necessary documentation from the borrower

As noted on the original complaint, the desired settlement is that the father take action due to the complainants understanding that the father was supposed to at some point in the future sell him the car This dispute appears to be between the father and the son The Upstate FCU does finance vehicles for our members and will permit the car to be titled to another personI do not know what the situation was between the father and the son in regards to this purchase However, for example we do see this type of titling occur when: 1) A parent sells a car to a child and there is additional monies to be paid to the parent 2) A child may have to pay a higher insurance premium if the car was titled to them vs a parent3) A spouse or a parent owns the collateral and does not want to be obligated to pay the loan but will permit their collateral to be used4) There is some legal reason the car title cannot be transferred such as a legal ruling or probate5) Various other reasons Again, I am not privy to the situation between the father and the son Due to privacy requirements, Upstate FCU cannot affirm or deny that this member has a loan with Upstate FCUHowever, we can share our internal policies and procedures that would cover a situation such as this

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that the response would not resolve my complaint For your reference, details of the offer I reviewed appear below I have not received any phone calls at [redacted] , or any emails My attempts at contacting Rob E [redacted] have been unsuccessful.If I could please get more information (phone numbers and addresses) on the whereabouts of the following items I would be very appreciative and prepared to call the matter resolved:Vinyl FlooringCustom shower baseCustom shower walls Regards, [redacted]

Fat Frog Roofing has been closed and is filing bankruptcy

Upstate FCU has nothing more to add to our response

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.
[To assist us in bringing this matter to a close, Please let us know below why you are rejecting the offer made by the business.]All documentation was provided within the first day of starting the application process, no additional information was ever requested, no answer was ever given as to if the loan was approved or not approved or even being worked onI have left several emails and no response as well as additional voicemailsThey have tried to call twice and every time I call back I always get voicemail.
Regards,
T*** M***

The owner has cancer and is closing the business...material has been ordered and is at [redacted]'s. We have attempted to contact this client on multiple occasions at telephone number [redacted] to explain that to them.

As noted on the original complaint, the desired settlement is that the father take action due to the complainants understanding that the father was supposed to at some point in the future sell him the car.  This dispute appears to be between the father and the son.  The Upstate FCU does...

finance vehicles for our members and will permit the car to be titled to another person. I do not know what the situation was between the father and the son in regards to this purchase.  However, for example we do see this type of titling occur when: 1) A parent sells a car to a child and there is additional monies to be paid to the parent 2) A child may have to pay a higher insurance premium if the car was titled to them vs a parent. 3) A spouse or a parent owns the collateral and does not want to be obligated to pay the loan but will permit their collateral to be used. 4) There is some legal reason the car title cannot be transferred such as a legal ruling or probate. 5) Various other reasons.  Again, I am not privy to the situation between the father and the son.  Due to privacy requirements, Upstate FCU cannot affirm or deny that this member has a loan with Upstate FCU. However, we can share our internal policies and procedures that would cover a situation such as this.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my complaint. 
I took this loan over after my mother passed away at the time of the loan I was told by [redacted] one  of the employees of Upstate FCU that they would receive the title and have my father sign it within 15 days and send it back then it would taken care of. I thought that had been completed as they said they would do. The loan documents that I signed that is attached to this file clearly states on page 3 paragraph 3 ownership of the property. That I promise to purchase the property which I did because the loan that I took out paid his loan that he had with Upstate FCU. Therefore I never received any cash of any kind for this loan. The only reason I took the loan was for the car. When my father refused to sign the title I should have been notified right then. It was not until 11 months later that I was made aware that he refused to sign the title and sell me the car. I have the car in my possession and will gladly give it back when he takes over the loan. I was there at Upstate FCU in march 2015 when another employee called my father to sign the title and he told her that he is not signing the car over and to hold the car in her possession and he would pick it up. She told him that she could not do that if he wants the car back that is fine but he needs to take his loan back that he had at Upstate FCU.  I am only wanting not to be responsible for someones else property or pay for something that I can never own. I have never been late on any payment even with this terrible situation going on. Please give him back the loan that he had for the car at your establishment so we can be done with this terrible situation. He is the one that backed out on the selling me the car  and I am the one being punished for it because I am being held responsible for something that I don't own and will never own according to my father. In the loan I signed it was my understanding that I am using the car  as collateral how can I do that if I do not and will not own the car. The loan that I signed states that I own the car and until February of 2015 I thought I did it was a complete shock to find out that he had refused to sign the title and I was still paying for the car and was unaware that he did not sign the title therefore refusing to sell it to me. I would  have never taken this loan out knowing that he was not going to sign the title. I have good credit and I pay the insurance on the car anyway and that is in my name so that would have not been an issue. I hope that we can get this matter taken care of. ]
Regards,
[redacted]

Upstate Federal Credit Union has a desire to serve our members with the utmost respect and professionalism. We are familiar with the application referenced in this complaint. Upon reviewing the application, additional information and documentation was needed from the applicant. Our lender has...

reached out to the applicant, leaving a message on two separate occasions. We are unable to make an affirmative loan decision without obtaining the necessary documentation from the borrower.

Revdex.com:
I have reviewed the response made...

by the business in reference to complaint ID [redacted], and have determined that the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
 I have not received any phone calls at [redacted], or any emails.  My attempts at contacting Rob E[redacted] have been unsuccessful.If I could please get more information (phone numbers and addresses) on the whereabouts of the following items I would be very appreciative and prepared to call the matter resolved:Vinyl FlooringCustom shower baseCustom shower walls   
Regards,
[redacted]