Doug Meadows Company

June 10, 2015MsMarie GarciaRevdex.comRe: Complaint [redacted] – [redacted] Dear MsGarcia:We received the response you forwarded regarding the above referenced complaintUpon receipt we have made numerous telephone attempts to contact Ms [redacted] directly to discuss this situation but we have been unable to make contact with her and her cell phone is not accepting voice mailAs previously mentioned, we have ordered the repossession of the vehicle as the loan was in default and the amount previously offered for payment was not sufficient to bring the loan currentIn order to stop the repossession and continue possession of the vehicle, the full amount of the delinquency plus any unpaid late charges and repossession fees would need to be submitted.If [redacted] wishes to retain the vehicle, she will need to submit the full amount of the delinquency plus any unpaid late charges and repossession fees in certified funds as of June 22, and provide verification of insuranceAt that time we will cancel the order for repossessionWe have sent a letter to Ms [redacted] with the requisite dollar amountTo allow Ms [redacted] an opportunity to bring this loan current, we will place this repossession on hold until the aforementioned dateIn the event the Credit Union does not receive the full amount, the vehicle will remain scheduledWe are sorry that Ms [redacted] feels that [redacted] was rude and we have discussed this situation with her as a training issueThe Credit Union appreciates the opportunity to respond to the Revdex.com and we shall consider this matter as settledThank youSincerely, [redacted]

The reason is I [redacted] never agreed to surrender the vehicle first credit union wanted me to and I said no that I would pay and they had my daughter sitting at the bank with cash in hand to pay it with fees and first credit union would not accept the money until we filled out another application so I did they said I made enough money but my daughter did not because she is on work comp but still has a job and they won't accept that I even told them that I would keep the truck and give her my car and register it back here in az and they said no [redacted] at first credit union is very rude and hard to deal with I hope this can be resolved

Thank you for the opportunity to respond to the complaint filed by Ms*** *** of Youngtown, Arizona. Ms*** opened a secured credit card with First Credit Union in the amount of $in November of 2016. Upon opening, $was placed on deposit as collateral
securing the limit for the credit card. First Credit Union established a line of credit based on the value of the collateral on deposit ($250.00) for her use. The $that Ms*** deposited remained in a secured account as collateral for the credit card. As the credit card is used, the card holder is responsible to pay the balance on the credit card with interest and fees. Should the card holder not make payments that balance owed would be taken from the collateral held on depositI have attached for review a copy of our First Credit Union Loanliner Visa Secured Credit Card Opening Disclosure as well as the Consumer Credit Card Agreement that outlines the terms and conditions associated with the Credit Card that was obtained by Ms***Our internal records indicate that Ms*** last paid the Credit Card to zero on April 12, 2017, then proceeded to advance from the card on June 1st to June 5th 2017. Based on the charges made during this time, the balance owed by Ms*** at the end of June was $271.06. We have not received a payment from Ms*** for these charges. The due date for these charges was July 25, 2017, as a result late fees began to accrue. We attempted to reach Ms*** at *** but found the number was not accepting calls, so *** was called and was found to have been disconnectedOur Credit Management area has credited all accrued late fees on the account and applied the $on deposit to the balance of the card. Ms*** is still responsible for any unpaid balances and interest that may remain outstandingIf we can be of any additional assistance, please let me know

Thank you for the opportunity to respond to the complaint filed by Ms. [redacted] regarding the assessment of overdraft fees to her First Credit Union checking account and her inability to obtain copies of her checking account statements. We have received the complaint forwarded to your...

organization by Ms. [redacted] and have reviewed this account accordingly. Ms. [redacted] correctly states that she and her son were receiving Social Security disability checks. The son’s checks were being received by her as his representative payee. However, she incorrectly states that First Credit Union charged overdraft fees to her son’s disability funds. Because of the fact that her son’s funds were deposited to her personal checking account, the funds were comingled with her own funds eliminating any segregation of funds. She further indicated that in her complaint that she was unsure how the overdraft fees were incurred as she indicated having advised merchants processing automatic payments to stop. Unfortunately, whatever instructions given by her appear not to have been heeded by the merchants since during the period of June 14, 2016 through June 29, 2016 eleven items were presented that resulted in the overdraft fees being assessed. The actual number of fees assessed was $350.00 of which First Credit Union has already refunded $175.00 to her account on July 5, 2016 with the remaining $175.00 being sent to Ms. [redacted] this date via Official Check No. [redacted] at the address that we currently have on file for her. Lastly, we have enclosed copies of the checking account statements for her account covering the period August 1, 2015 through July 31, 2016 at no charge to her. These statements will be sent along with the aforementioned Official Check. Thank you for the opportunity to resolve this member service issue.

June 10, 2015Ms. Marie GarciaRevdex.comRe: Complaint [redacted] – [redacted]Dear Ms. Garcia:We received the response you forwarded regarding the above referenced complaint. Upon receipt we have made numerous telephone attempts to contact Ms. [redacted] directly to discuss this situation but we have been unable to make contact with her and her cell phone is not accepting voice mail. As previously mentioned, we have ordered the repossession of the vehicle as the loan was in default and the amount previously offered for payment was not sufficient to bring the loan current. In order to stop the repossession and continue possession of the vehicle, the full amount of the delinquency plus any unpaid late charges and repossession fees would need to be submitted.If [redacted] wishes to retain the vehicle, she will need to submit the full amount of the delinquency plus any unpaid late charges and repossession fees in certified funds as of June 22, 2014 and provide verification of insurance. At that time we will cancel the order for repossession. We have sent a letter to Ms. [redacted] with the requisite dollar amount. To allow Ms. [redacted] an opportunity to bring this loan current, we will place this repossession on hold until the aforementioned date. In the event the Credit Union does not receive the full amount, the vehicle will remain scheduled. We are sorry that Ms. [redacted] feels that [redacted] was rude and we have discussed this situation with her as a training issue. The Credit Union appreciates the opportunity to respond to the Revdex.com and we shall consider this matter as settled. Thank you. Sincerely, [redacted]

We received the complaint forwarded to your organization by Mr. [redacted] and we have reviewed his account accordingly. Under [redacted] ([redacted]) [redacted] a demand, savings or time deposit is presumed abandoned three years after maturity or the date of the last indication...

by the owner of interest in the property, whichever occurs first. [redacted] requires that the holder of abandoned property send written notice to the apparent owner of property that is presumed to be abandoned one hundred and twenty days before a report is filed with the state.  Our account review indicates there was no activity on the account in question for the prescribed three year period. As such, it would be considered eligible for the requisite escheatment to the state of Arizona. A letter was sent to the address we have on file,which matches the address included in the complaint and the Credit Union did not receive a response to the letter or notification or returned or undelivered mail. The notification requirements were met and we complied with our duties as outlined by state statute. While other accounts held by Mr. [redacted] may have been active, each account is viewed separately according to the state.  As a courtesy to Mr. [redacted] and in appreciation of his membership, we are restoring the $117.73 to the account referenced in Mr. [redacted] letter. Our policies and procedures are well within state guidelines and we followed the requisite protocols during the escheatment process.  In terms of the service received when contacting the phone center, the Senior Vice President of Operations will review the calls and incorporate any feedback and observations into our training and coaching programs.  We thank you for the  opportunity to respond and we shall consider this matter closed unless we hear otherwise from you. Sincerely, [redacted]General Counsel/VP of Compliance

The reason is I [redacted] never agreed to surrender the vehicle first credit union wanted me to and I said no that I would pay and they had my daughter sitting at the bank with cash in hand to pay it with fees and first credit union would not accept the money until we filled out another application so I did they said I made enough money but my daughter did not because she is on work comp but still has a job and they won't accept that I even told them that I would keep the truck and give her my car and register it back here in az and they said no. [redacted] at first credit union is very rude and hard to deal with . I hope this can be resolved.

Revdex.com:
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.I will also suggest that although the business may have apparently followed the 'letter of the law' in this particular matter, the customer experience left much to be desired and more should have been done.  Regrettably, I will be rexamining my ongoing affiliation with the business as a result of this unfortunate experience as I'm certain there are alternative financial institutions that will place a higher value on the overall customer relationship. 
Regards,
[redacted]