Response: Mr [redacted] , Thank you for your feedback, and bringing your concerns to our attentionWe strive to address concerns in a timely manner, and report correct status of products to all bureausWe have corrected your [redacted] Credit Card reporting status to all bureaus, and this should reflect very soon on all three companies credit bureausWe unfortunately do not have any control on the timeliness of the bureaus to update the status of the revolving credit, but we have taken all necessary steps to have your information updated and reporting accuratelyWe thank you so much for your business, and your Membership in the credit unionPlease contact us with any questions or concerns Regards, [redacted] Fort Knox Federal Credit Union
03/30/Ref: [redacted] [redacted] [redacted] Miss [redacted] ’s complaint with Fort Knox Federal Credit Union (FKFCU) centers around three items Miss [redacted] states that she should not be listed as co-maker, but rather as a primary applicant on the two loans that she has with FKFCU Miss [redacted] states that she made payments to an account that were improperly applied Miss [redacted] is requesting that FKFCU take steps to update its credit reporting information to indicate that she was not delinquent on the required payments referenced in item number Fort Knox Credit Union apologizes for any misunderstanding and responds as follows: The loan application documentation from the time of loan origination clearly supports that these loans were set up correctlyIn both cases Miss [redacted] ’s completed and signed the co-applicant section of the application Miss [redacted] is welcome to contact FKFCU and obtain copies of her loan documentation A review of the situation indicates that FKFCU applied Miss [redacted] ’s payments in accordance with its policy and the account agreements in place However, as this was apparently different than Miss [redacted] ’s expectations, as a courtesy FKFCU will credit an amount equal to the payments made into the account to the loan that she is questioning Due to the misunderstanding concerning how Miss [redacted] ’s payments towards this account would be applied, FKFCU will further update the account history to reflect that her payments did not exceed days past due In addition, FKFCU will promptly provide this updated history to the credit reporting agencies This should resolve Miss [redacted] ’s concerns laid out in her complaint If Miss [redacted] has any further questions, she is welcome to reach out to me at the number provided below [redacted] Manager – Loan OperationsFort Knox Federal Credit Union [redacted]
To Whom it May Concern,The warranty on this furniture expired July, We have had no contact with this customer regarding service in over year and are currently in litigation with her over non-payment.Sincerely,Elgin Furniture
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 For your reference, details of the offer I reviewed appear below I have attached a screenshot of my transaction historyIt clearly shows a payment was md on the last business day on June And drafted out oh my account on July Regards, [redacted]
To Whom It May Concern, I appreciate the opportunity to respond to Ms [redacted] 's complaintWe are aware of her damaged footboard, have a replacement one order for her and have communicated this information to her Unfortunately we do not have any more footboards in stock so we had to order a replacement footboard for her from the factoryThe replacement footboard will be on our next [redacted] truck and the factory is telling us we should receive this truck in the next few weeks As soon as it arrives we will contact Ms [redacted] to arrange a date to come out and do the exchangeSincerely,Elgin Furniture
To Whom it May Concern: Thank you for the opportunity to respond to Ms [redacted] complaint TransUnion is the only credit bureau we report toHer payments are due on the 1st of every month and her June payment was not paid until July 1st Due to the late payment she was reported once as 30-days past due Sincerely, Elgin Furniture
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
To Whom it May Concern Thank you for giving me the opportunity to responds to [redacted] s complaintOn Tuesday, April 11th our delivery department scheduled an appointment with [redacted] to exchange all three of her tablesThe exchange is scheduled for this Saturday, April 15thI apologize for any inconvenience we caused [redacted] Sincerely, Elgin Furniture
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 for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
02/13/ [redacted] [redacted] [redacted] [redacted] [redacted] complaint references transactions not being allowed and his Visa card being blocked Fort Knox Federal Credit Union uses a 3rd party provider to monitor transactions This company monitors a large amount of account and transaction level information to help control risk and mitigate fraud against our members and our organization For security reasons, we cannot disclose specifics regarding the screens and filters applied when monitoring transactions However, I can confirm that the Credit Union does not have anything in place that would block a transaction simply because it was originated by [redacted] [redacted] states in his complaint that the Credit Union blocked his card and did not provide notice to him Authorizations on his card were blocked after a transaction was detected that was originated in a foreign country and was being processed online Again, for security purposes it is prudent that we not disclose the Credit Union’s security settings, however this type of transaction looks suspect and prompts the Credit Union to verify that the transactions were properly authorized The Credit Union’s records indicate that the 3rd party provider immediately placed a phone call to [redacted] and left a message in an attempt to verify the activity on January 27th [redacted] states in his letter that his wife visited our location on Fort Knox on January 28th, That facility would not have been open on that day It is possible that he meant to write January 27th as that is the day the account authorizations were suspended Our office would have been open that day; however the Credit Union’s records do not show any transactions or status changes made to his card at that branch that dayAdditional transactions were blocked on later dates, however once [redacted] contacted the 3rd party provider on January 31st and indicated that the charges were valid, the block was immediately lifted The Credit Union considers the matter to be resolved [redacted] is welcome to call me at any time should he have any additional questions [redacted] *** [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The transaction blocked was on a company in California, which as of today has not yet seceded, not a foreign transaction This is the same answer I have received on three different transactions with this online company I would be happy to call if an extension had been provided I appreciate the Revdex.com efforts Please do not waste any more time on this complaint, as the credit union will continue to give non-answers Note that I am no longer confident in making transactions with this credit union's VISA card and am looking for other options now Regards, [redacted]
Mr [redacted] , Thank you for your inquiry, and for the opportunity to explain the circumstances On 8/13, you did not successfully answer questions to verify your identity in our system and a letter was mailed making you aware of this situation – our apologies if it was not received This was not a denial due to credit, but due to our inability to confirm your identity We also answered your correspondence regarding the same subject, via email, on 8/13, and 9/ Our disclosure for pulling your credit is stated when you submitted the application online, but we will request a removal of the inquiry from the credit bureau If you need further assistance, we can be reached at [redacted] Regards, [redacted] SVP of Retail Operations Radcliff, KY
We have verified our records a second time Our initial response is factual and correct We are providing [redacted] copies of his statements from January through June of this year so that he may review We are unable to verify whether the credit bureau file that [redacted] is reviewing contains the most up to date information available[redacted]
Revdex.com: I have reviewed the response made by the business in reference to [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [redacted] Fort Knox's employee *** told me on May 2, that I would not be reported as days late as long as I paid off the loan within a few daysI sent the first check certified mail on May 6, Fort Knox lost that checkI send a 2nd check on May 25, Fort Knox cashed it on May 30, I have a new totle that says 'no lien' on itTherefore, I do not owe $as Fort Knox claimsFort Knox has had over months to update my credit filesI was not late as per agreement with [redacted] and my balance should read and paid in fullFort Knox's mistake caused my credit score to drop pointsThis stopped me from getting a recent loanTherefore, if Fort Knox continues to refuse to keep to their promises, I will soon sue them in a court of lawI have all proving documentationIf Fort Knox wants to spend money on attorney fees and pay me damages I know I can win ( I've done this many times before) than it is up to them if they wish to face the consequences of their own actions Regards, [redacted] ***
Thank you for giving us the opportunity to resolve your issue with Fort Knox Federal Credit Union Per our records, this issue was reported correctly to the bureau’s, but apparently not corrected on their system We have submitted a correction again, and this issue should be resolved per your request Please contact us at [redacted] if you have further questionsRegards, SVP Retail Operations Fort Knox Federal Credit Union” [redacted] SVP Retail Operations
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I would like to know exactly what I am paying for Can they please explain on how long I've been paying on it, provide records on how much has been paid on it thus far, how much is owed on the CPI, and when does the CPI end? Was this CPI backdated for the start of the loan or just for the time of the insurance lapse? Is this CPI accruing interest? ] Regards, [redacted] ***
See attachment First, we sincerely apologize for any difficulties in properly crediting payments to your loan accountWe have researched your payment history and agree that your payments were not timely applied to your account and the Credit Union will refund the $in questionThe credit bureaus will also be contacted to correct any derogatory information reported on your account.Second, we discovered during our research that your account had a requested "No Mail’ contact; therefore, you would not have received our mailed reminder notice sent five days after ? payment due dateWe would be happy to remove the current "No Mail' request upon your forwarding your current mailing addressOr would another means of communication be more convenient?Again, our apologies and please let us know if Fort Knox Federal can be of any further service to youOur continuing mission is to improve the financial quality of our members' lives.Thank you
The following was a copy/paste by Revdex.com staff of an email sent to JS: On March 16th, I spoke with our Englander sales rep that visited the D [redacted] home and he explained to me that there was absolutely nothing wrong with the mattress that Miss D [redacted] had purchased April 9th He said there wasn’t any sagging or even a body impressionHe said there was no justification to authorize a mattress exchangeHis name is Jeff M [redacted] and he is the representative for Englander MattressPlease contact me at [redacted] if you want to discuss this furtherSincerely, Jed B [redacted] President
Fort Knox Federal Credit Union is always looking for ways to improve our member experience We have researched the member's complaint and believe that Ms [redacted] may be misunderstanding the dates being referenced in the letters and notices she has been receiving from us The insurance applied to her loan balance and causing the increase in payments is due to a lack of appropriate coverage from the time period of 1/18/2017-1/18/ She was provided multiple notices before this coverage was enforced and was advised we could drop the coverage and credit her account back if she provided appropriate proof that her automobile was insured at that timeTo date, no proof of coverage has been provided for this time period Additional notices were being sent as the coverage enforced was about to expire in January that alerted our member we still did not have any coverage At that time, she did provide proof of coverage as she stated in January of That coverage she obtained prevented a second policy from being force placed and increasing the payments even further, however it does clear any of the time that we had to force place a policy to cover the collateral that the member had chosen not to insure The increased payments are needed to cover the cost of the insurance If the member can provide proof of coverage during the time period of 1/18/2017-1/18/2018, we would be able to assist her in receiving a refund for any time that she had the required coverage on her own With no proof of coverage, the payments will need to stay at the same level they are to ensure the loan is paid within the appropriate term
Response: Mr [redacted] , Thank you for your feedback, and bringing your concerns to our attentionWe strive to address concerns in a timely manner, and report correct status of products to all bureausWe have corrected your [redacted] Credit Card reporting status to all bureaus, and this should reflect very soon on all three companies credit bureausWe unfortunately do not have any control on the timeliness of the bureaus to update the status of the revolving credit, but we have taken all necessary steps to have your information updated and reporting accuratelyWe thank you so much for your business, and your Membership in the credit unionPlease contact us with any questions or concerns Regards, [redacted] Fort Knox Federal Credit Union
03/30/Ref: [redacted] [redacted] [redacted] Miss [redacted] ’s complaint with Fort Knox Federal Credit Union (FKFCU) centers around three items Miss [redacted] states that she should not be listed as co-maker, but rather as a primary applicant on the two loans that she has with FKFCU Miss [redacted] states that she made payments to an account that were improperly applied Miss [redacted] is requesting that FKFCU take steps to update its credit reporting information to indicate that she was not delinquent on the required payments referenced in item number Fort Knox Credit Union apologizes for any misunderstanding and responds as follows: The loan application documentation from the time of loan origination clearly supports that these loans were set up correctlyIn both cases Miss [redacted] ’s completed and signed the co-applicant section of the application Miss [redacted] is welcome to contact FKFCU and obtain copies of her loan documentation A review of the situation indicates that FKFCU applied Miss [redacted] ’s payments in accordance with its policy and the account agreements in place However, as this was apparently different than Miss [redacted] ’s expectations, as a courtesy FKFCU will credit an amount equal to the payments made into the account to the loan that she is questioning Due to the misunderstanding concerning how Miss [redacted] ’s payments towards this account would be applied, FKFCU will further update the account history to reflect that her payments did not exceed days past due In addition, FKFCU will promptly provide this updated history to the credit reporting agencies This should resolve Miss [redacted] ’s concerns laid out in her complaint If Miss [redacted] has any further questions, she is welcome to reach out to me at the number provided below [redacted] Manager – Loan OperationsFort Knox Federal Credit Union [redacted]
Thank you for resolving this issue[redacted]
To Whom it May Concern,The warranty on this furniture expired July, We have had no contact with this customer regarding service in over year and are currently in litigation with her over non-payment.Sincerely,Elgin Furniture
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 For your reference, details of the offer I reviewed appear below I have attached a screenshot of my transaction historyIt clearly shows a payment was md on the last business day on June And drafted out oh my account on July Regards, [redacted]
To Whom It May Concern, I appreciate the opportunity to respond to Ms [redacted] 's complaintWe are aware of her damaged footboard, have a replacement one order for her and have communicated this information to her Unfortunately we do not have any more footboards in stock so we had to order a replacement footboard for her from the factoryThe replacement footboard will be on our next [redacted] truck and the factory is telling us we should receive this truck in the next few weeks As soon as it arrives we will contact Ms [redacted] to arrange a date to come out and do the exchangeSincerely,Elgin Furniture
To Whom it May Concern: Thank you for the opportunity to respond to Ms [redacted] complaint TransUnion is the only credit bureau we report toHer payments are due on the 1st of every month and her June payment was not paid until July 1st Due to the late payment she was reported once as 30-days past due Sincerely, Elgin Furniture
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]
To Whom it May Concern Thank you for giving me the opportunity to responds to [redacted] s complaintOn Tuesday, April 11th our delivery department scheduled an appointment with [redacted] to exchange all three of her tablesThe exchange is scheduled for this Saturday, April 15thI apologize for any inconvenience we caused [redacted] Sincerely, Elgin Furniture
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 for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted] ***
02/13/ [redacted] [redacted] [redacted] [redacted] [redacted] complaint references transactions not being allowed and his Visa card being blocked Fort Knox Federal Credit Union uses a 3rd party provider to monitor transactions This company monitors a large amount of account and transaction level information to help control risk and mitigate fraud against our members and our organization For security reasons, we cannot disclose specifics regarding the screens and filters applied when monitoring transactions However, I can confirm that the Credit Union does not have anything in place that would block a transaction simply because it was originated by [redacted] [redacted] states in his complaint that the Credit Union blocked his card and did not provide notice to him Authorizations on his card were blocked after a transaction was detected that was originated in a foreign country and was being processed online Again, for security purposes it is prudent that we not disclose the Credit Union’s security settings, however this type of transaction looks suspect and prompts the Credit Union to verify that the transactions were properly authorized The Credit Union’s records indicate that the 3rd party provider immediately placed a phone call to [redacted] and left a message in an attempt to verify the activity on January 27th [redacted] states in his letter that his wife visited our location on Fort Knox on January 28th, That facility would not have been open on that day It is possible that he meant to write January 27th as that is the day the account authorizations were suspended Our office would have been open that day; however the Credit Union’s records do not show any transactions or status changes made to his card at that branch that dayAdditional transactions were blocked on later dates, however once [redacted] contacted the 3rd party provider on January 31st and indicated that the charges were valid, the block was immediately lifted The Credit Union considers the matter to be resolved [redacted] is welcome to call me at any time should he have any additional questions [redacted] *** [redacted]
Revdex.com: I have reviewed the response made by the business in reference to complaint [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below The transaction blocked was on a company in California, which as of today has not yet seceded, not a foreign transaction This is the same answer I have received on three different transactions with this online company I would be happy to call if an extension had been provided I appreciate the Revdex.com efforts Please do not waste any more time on this complaint, as the credit union will continue to give non-answers Note that I am no longer confident in making transactions with this credit union's VISA card and am looking for other options now Regards, [redacted]
Mr [redacted] , Thank you for your inquiry, and for the opportunity to explain the circumstances On 8/13, you did not successfully answer questions to verify your identity in our system and a letter was mailed making you aware of this situation – our apologies if it was not received This was not a denial due to credit, but due to our inability to confirm your identity We also answered your correspondence regarding the same subject, via email, on 8/13, and 9/ Our disclosure for pulling your credit is stated when you submitted the application online, but we will request a removal of the inquiry from the credit bureau If you need further assistance, we can be reached at [redacted] Regards, [redacted] SVP of Retail Operations Radcliff, KY
We have verified our records a second time Our initial response is factual and correct We are providing [redacted] copies of his statements from January through June of this year so that he may review We are unable to verify whether the credit bureau file that [redacted] is reviewing contains the most up to date information available[redacted]
Revdex.com: I have reviewed the response made by the business in reference to [redacted] and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [redacted] Fort Knox's employee *** told me on May 2, that I would not be reported as days late as long as I paid off the loan within a few daysI sent the first check certified mail on May 6, Fort Knox lost that checkI send a 2nd check on May 25, Fort Knox cashed it on May 30, I have a new totle that says 'no lien' on itTherefore, I do not owe $as Fort Knox claimsFort Knox has had over months to update my credit filesI was not late as per agreement with [redacted] and my balance should read and paid in fullFort Knox's mistake caused my credit score to drop pointsThis stopped me from getting a recent loanTherefore, if Fort Knox continues to refuse to keep to their promises, I will soon sue them in a court of lawI have all proving documentationIf Fort Knox wants to spend money on attorney fees and pay me damages I know I can win ( I've done this many times before) than it is up to them if they wish to face the consequences of their own actions Regards, [redacted] ***
Thank you for giving us the opportunity to resolve your issue with Fort Knox Federal Credit Union Per our records, this issue was reported correctly to the bureau’s, but apparently not corrected on their system We have submitted a correction again, and this issue should be resolved per your request Please contact us at [redacted] if you have further questionsRegards, SVP Retail Operations Fort Knox Federal Credit Union” [redacted] SVP Retail Operations
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I would like to know exactly what I am paying for Can they please explain on how long I've been paying on it, provide records on how much has been paid on it thus far, how much is owed on the CPI, and when does the CPI end? Was this CPI backdated for the start of the loan or just for the time of the insurance lapse? Is this CPI accruing interest? ] Regards, [redacted] ***
See attachment First, we sincerely apologize for any difficulties in properly crediting payments to your loan accountWe have researched your payment history and agree that your payments were not timely applied to your account and the Credit Union will refund the $in questionThe credit bureaus will also be contacted to correct any derogatory information reported on your account.Second, we discovered during our research that your account had a requested "No Mail’ contact; therefore, you would not have received our mailed reminder notice sent five days after ? payment due dateWe would be happy to remove the current "No Mail' request upon your forwarding your current mailing addressOr would another means of communication be more convenient?Again, our apologies and please let us know if Fort Knox Federal can be of any further service to youOur continuing mission is to improve the financial quality of our members' lives.Thank you
The following was a copy/paste by Revdex.com staff of an email sent to JS: On March 16th, I spoke with our Englander sales rep that visited the D [redacted] home and he explained to me that there was absolutely nothing wrong with the mattress that Miss D [redacted] had purchased April 9th He said there wasn’t any sagging or even a body impressionHe said there was no justification to authorize a mattress exchangeHis name is Jeff M [redacted] and he is the representative for Englander MattressPlease contact me at [redacted] if you want to discuss this furtherSincerely, Jed B [redacted] President
Fort Knox Federal Credit Union is always looking for ways to improve our member experience We have researched the member's complaint and believe that Ms [redacted] may be misunderstanding the dates being referenced in the letters and notices she has been receiving from us The insurance applied to her loan balance and causing the increase in payments is due to a lack of appropriate coverage from the time period of 1/18/2017-1/18/ She was provided multiple notices before this coverage was enforced and was advised we could drop the coverage and credit her account back if she provided appropriate proof that her automobile was insured at that timeTo date, no proof of coverage has been provided for this time period Additional notices were being sent as the coverage enforced was about to expire in January that alerted our member we still did not have any coverage At that time, she did provide proof of coverage as she stated in January of That coverage she obtained prevented a second policy from being force placed and increasing the payments even further, however it does clear any of the time that we had to force place a policy to cover the collateral that the member had chosen not to insure The increased payments are needed to cover the cost of the insurance If the member can provide proof of coverage during the time period of 1/18/2017-1/18/2018, we would be able to assist her in receiving a refund for any time that she had the required coverage on her own With no proof of coverage, the payments will need to stay at the same level they are to ensure the loan is paid within the appropriate term