As you requested, we would like to meet with you to discuss your accountOur Main Office is located at S Dixie BlvdRadcliff, KY The Branch Manager, *** ***, is familiar with your concerns and will be happy to meet with youYou can contact him to schedule an appointment at your convenienceHis contact number is ###-###-####.Thank you,*** ***SVP, Fort Knox Federal Credit Union
To Whom it
may Concern:
Mr*** took
delivery of this living room set on October 3, The manufacturer of this furniture is United
Furniture. They forwarded us a copy of
their warranty that states they limit fabric warranties to 1-year and are
refusing to repair or
replace this customer’s furniture because it is beyond
the term of their warranty. Attached is
a copy of *** ***’s warranty
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
To Whom it May Concern,Thank you for giving us the opportunity to respondWe will contact *** *** todayWe need to get the serial number off her set so we can provide them to the manufacturerWe will be asking the manufacturer to take the set back so that *** *** can reselect another
living room.Sincerely,Elgin Furniture
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
Cathy D***
Hello Ms***,We are diligently working to resolve your questions concerning your account; however, after mailing to you the original account documentation that was provided at account opening (and mailed to the address on file) and after discussing your account with you by phone on 6/1/15, 8/10/15, 9/24/15, 9/27/15, 10/1/15, 10/09/15, and 11/2/15, we believe we have provided a clear explanation of our fee structure, account policies and application of the terms of your account.Additionally, all applicable fees were disclosed at the time of account opening and were accepted by you as indicated by your signed signature card on file. Per our policy of a positive balance for at least six months before converting the account, we could not determine that your account remained positive for this length of time since being opened.We believe there is significant value in this account. Our competitors routinely charge significantly more, sometimes double our fee for a similar account.Your Fort Knox Federal savings account can remain open without a fee as long as you keep the required $share balance.Thank you for your membership, and business.Regards,*** ***SVP Retail OperationsFort Knox Federal Credit Union
On March the Member opened a Second Chance Checking Account. At the time of account opening the Member was provided a Truth-In-Savings Disclosure which provided all account and fee information on one brief page. This particular account has a fee associated with it which is billed
monthly. In addition, the Member signed up to use the Credit Union’s mobile banking app. A fee is assessed per month if the Member fails to maintain monthly mobile banking activity. The account was billed this fee on January 18th, 2017, for lack of activity. As a result of these two fees, the account balance became negative on February 1, 2017. Due to members longstanding relationship with the Credit Union, the disputed fees have been removed from the Member’s accountThe share and share draft accounts have been closedConsequently, the Credit Union considers the matter resolvedSincerely, *** ***
*** *** *** ***
*** *** *** *** ***
To Whom it May Concern,I'm sorry MsD*** is having difficulty getting her table servicedWe have requested our service tech contact her but she has not answered his numerous attempts to contact herWhen she explained she doesn't answer private numbers we suggested she contact him and provided
his number to her. He will do whatever he can to accommodate a date and time to service the table during business hoursIt I can be of further assistance please don't hesitate to callI can be reached at *** *** ***
Sincerely,Elgin furniture
Dear Mr***,Again, we apologize for any inconvenience you may have experienced with your debit card. After what we believe to be our most recent conversation with you this week, you had received your replacement debit card; the retail use restrictions on your card had been removed;
and, you were pleased with this resolution. If this is not the case, please feel free to contact the ATM Checkcard Coordinator at *** and we will be happy to work through to a definitive solution. We take Member feedback, and your security, very seriously and will continue to delivery products and services that meet your needs. Again, thank you for being a Member of Fort Knox Federal Credit UnionBest regards, *** ***
To Whom it May Concern,I contacted *** *** and the only account being reported to them is the account Mr & Mrs*** *** opened in April of and it is being reported with a zero balance If they need any more assistance or have any additional questions I would be happy to talk
with them They can reach me at 216-441-Ext***.Sincerely,***
To Whom it May Concern,The copy submitted by Mrs*** shows the information retrieved
by the credit bureaus from *** Municipal Court, not anything reported by
Elgin. A satisfaction of judgment was
faxed to *** on December 31, 2012.
However the docket did not show the case as being satisfied until we
refaxed it on April 28, The updated docket is attached At the bottom of page one under Docket information it states the judgment was satisfied. Sincerely, ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was not provided with any hard copies of account disclosures at the time my account was reopened, but I did receive your package todayUnfortunately it is just a generic new account packet and does not specify in writing the terms of the second chance checking accountYou are correct that I have called in multiple times trying to get this issue resolved and continue to do so because I was told when I reopened the account that if it stayed positive for a period of months of opening, the $monthly fee would be waivedI have my monthly statements to document it's positive status if needed, which you should also be able to see on your endPlease let me know what information, if any, that you need to get this matter resolvedIf there is a particular manager that I need to meet with or speak to, I would be glad to come in and do so.
Regards,
*** ***
Dear Ms***, Thank you for your note and bringing this matter to our attentionAfter receiving your letter from the Revdex.com we have contacted you numerous times and discussed the current checking account product you are actively using with our credit unionBased on the terms and conditions of the
account, this product does carry a $fee, which can be lowered if you have direct deposit with our institutionWe have explained in detail why the fee exists, and the steps that would need to be taken to eliminate itWe thank you for being a Member and your continued businessSincerely, *** *** SVP Retail Operations Fort Knox Federal Credit UnionSent on: 1/25/1:30:PM
Mr*** Our apologies for the inconvenience you experienced during your recent pay-off with Fort Knox Federal Credit Union. You connected with our service manager, and we understand the issue was resolved to your satisfactionThank you for your membership, and continued support
Regards,*** ***SVP Retail Operations Fort Knox Federal Credit Union
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[According to M(r)s*** ***), the email was supposed to contain an explanation of what was being paid for after the cancellation notice had been sent out. She explained that the current amount being paid was covering the force-placed CPI insurance for the timeframe covered between 01/18/and 01/18/and the payments would go back down if proof of insurance was submitted on or before 01/18/2018. Proof of insurance was submitted and she changed what she said, and in the previous phone call she stated that the email would contain information on what is being paid for after the policy cancellation and a breakdown of what has been paid on the CPI. Attached is a screenshot of what the email that M(r)s*** sent out contained. This did not resolve the issue, nor did it answer any of my questions.]
Regards,
*** ** ***
To Whom It May Concern,I appreciate the opportunity to try and resolve the credit reporting problem Ms. [redacted] is having. I have been in contact with her over the past week in an effort to get this issue resolved. I logged on to [redacted]'s website and updated her Elgin Furniture trade-line...
to reflect a zero balance. After I made the update I contacted her to let her know and she explained to me that her credit bureau was still showing a $238 balance. I spoke again to [redacted] today and they explained to me that although the report that I'm able to run on my end correctly shows a zero balance the update could take 48 hours to reflect directly on the consumer's credit bureau. The said that a [redacted] representative would contact me to confirm that her trade is being reported with a zero balance. I left Ms. [redacted] a voice mail updating her with the information I have as of today. As soon as I hear back from Trans Union I will contact Ms. [redacted] again to confirm her issue has been resolved.Sincerely,[redacted]
Fort Knox Federal Credit Union's process is to conduct credit inquiries on all loan applicants in order to ensure we provide the best options to meet members financial needs. We are happy to remove the credit inquiries per your request. We have submitted inquiry removal requests, as of August 30th,...
2017, to all three credit bureaus on behalf of [redacted] COMPLAINT INFORMATION Customer Information: Complaint ID: [redacted]
[redacted]
The details of this matter are as follows: Complaint Involves: Customer Services Issues Customer’s Statement of the Problem: We are current members of the credit union who wanted to apply for a VA loan. The credit union offers the VA loan on their site, and does note in the fine print that the loan will be processed by CU Select. However, when filling out the application there is no way to specify VA loan. I called regarding this and the representative on the phone advised me to go ahead and submit the application and it would be handled by the loan officer. Before the credit union determined that we were applying for a VA loan, they did a credit inquiry. They then contacted us to proceed with the loan. When it was determined that we wanted a VA loan, they forward our information to CU Select. Upon speaking with that representative, we learned that we had to redo the entire application from the beginning and our credit needed to be ran again. Despite this, the credit union would still receive its 1% fee. Had we known that the application submitted through the credit union was completely invalid, we would not have wasted our time. Complaint Background: Product/Service: Loan application Purchase Date: 8/17/2017 Problem Occurred: 8/22/2017 Model: Account Number: Order Number: Name of Salesperson: Purchase Price: $0.00 Disputed Amount: $0.00 Desired Outcome: We would like the credit inquiry from FKFCU removed from our reports. [redacted] Manager | Member Resource Branch | Fort Knox Federal Credit Union|Phone: [redacted]
As you requested, we would like to meet with you to discuss your accountOur Main Office is located at S Dixie BlvdRadcliff, KY The Branch Manager, *** ***, is familiar with your concerns and will be happy to meet with youYou can contact him to schedule an appointment at your convenienceHis contact number is ###-###-####.Thank you,*** ***SVP, Fort Knox Federal Credit Union
To Whom it
may Concern:
Mr*** took
delivery of this living room set on October 3, The manufacturer of this furniture is United
Furniture. They forwarded us a copy of
their warranty that states they limit fabric warranties to 1-year and are
refusing to repair or
replace this customer’s furniture because it is beyond
the term of their warranty. Attached is
a copy of *** ***’s warranty
Sincerely,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***
To Whom it May Concern,Thank you for giving us the opportunity to respondWe will contact *** *** todayWe need to get the serial number off her set so we can provide them to the manufacturerWe will be asking the manufacturer to take the set back so that *** *** can reselect another
living room.Sincerely,Elgin Furniture
To Whom it May Concern,Ms***'s balance is now zero and her account is paid in full.Sincerely,Elgin Furniture
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and find that this resolution is satisfactory to me.
Regards,
Cathy D***
Hello Ms***,We are diligently working to resolve your questions concerning your account; however, after mailing to you the original account documentation that was provided at account opening (and mailed to the address on file) and after discussing your account with you by phone on 6/1/15, 8/10/15, 9/24/15, 9/27/15, 10/1/15, 10/09/15, and 11/2/15, we believe we have provided a clear explanation of our fee structure, account policies and application of the terms of your account.Additionally, all applicable fees were disclosed at the time of account opening and were accepted by you as indicated by your signed signature card on file. Per our policy of a positive balance for at least six months before converting the account, we could not determine that your account remained positive for this length of time since being opened.We believe there is significant value in this account. Our competitors routinely charge significantly more, sometimes double our fee for a similar account.Your Fort Knox Federal savings account can remain open without a fee as long as you keep the required $share balance.Thank you for your membership, and business.Regards,*** ***SVP Retail OperationsFort Knox Federal Credit Union
On March the Member opened a Second Chance Checking Account. At the time of account opening the Member was provided a Truth-In-Savings Disclosure which provided all account and fee information on one brief page. This particular account has a fee associated with it which is billed
monthly. In addition, the Member signed up to use the Credit Union’s mobile banking app. A fee is assessed per month if the Member fails to maintain monthly mobile banking activity. The account was billed this fee on January 18th, 2017, for lack of activity. As a result of these two fees, the account balance became negative on February 1, 2017. Due to members longstanding relationship with the Credit Union, the disputed fees have been removed from the Member’s accountThe share and share draft accounts have been closedConsequently, the Credit Union considers the matter resolvedSincerely, *** ***
*** *** *** ***
*** *** *** *** ***
To Whom it May Concern,I'm sorry MsD*** is having difficulty getting her table servicedWe have requested our service tech contact her but she has not answered his numerous attempts to contact herWhen she explained she doesn't answer private numbers we suggested she contact him and provided
his number to her. He will do whatever he can to accommodate a date and time to service the table during business hoursIt I can be of further assistance please don't hesitate to callI can be reached at *** *** ***
Sincerely,Elgin furniture
Dear Mr***,Again, we apologize for any inconvenience you may have experienced with your debit card. After what we believe to be our most recent conversation with you this week, you had received your replacement debit card; the retail use restrictions on your card had been removed;
and, you were pleased with this resolution. If this is not the case, please feel free to contact the ATM Checkcard Coordinator at *** and we will be happy to work through to a definitive solution. We take Member feedback, and your security, very seriously and will continue to delivery products and services that meet your needs. Again, thank you for being a Member of Fort Knox Federal Credit UnionBest regards, *** ***
To Whom it May Concern,I contacted *** *** and the only account being reported to them is the account Mr & Mrs*** *** opened in April of and it is being reported with a zero balance If they need any more assistance or have any additional questions I would be happy to talk
with them They can reach me at 216-441-Ext***.Sincerely,***
To Whom it May Concern,The copy submitted by Mrs*** shows the information retrieved
by the credit bureaus from *** Municipal Court, not anything reported by
Elgin. A satisfaction of judgment was
faxed to *** on December 31, 2012.
However the docket did not show the case as being satisfied until we
refaxed it on April 28, The updated docket is attached At the bottom of page one under Docket information it states the judgment was satisfied. Sincerely, ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
I was not provided with any hard copies of account disclosures at the time my account was reopened, but I did receive your package todayUnfortunately it is just a generic new account packet and does not specify in writing the terms of the second chance checking accountYou are correct that I have called in multiple times trying to get this issue resolved and continue to do so because I was told when I reopened the account that if it stayed positive for a period of months of opening, the $monthly fee would be waivedI have my monthly statements to document it's positive status if needed, which you should also be able to see on your endPlease let me know what information, if any, that you need to get this matter resolvedIf there is a particular manager that I need to meet with or speak to, I would be glad to come in and do so.
Regards,
*** ***
Dear Ms***, Thank you for your note and bringing this matter to our attentionAfter receiving your letter from the Revdex.com we have contacted you numerous times and discussed the current checking account product you are actively using with our credit unionBased on the terms and conditions of the
account, this product does carry a $fee, which can be lowered if you have direct deposit with our institutionWe have explained in detail why the fee exists, and the steps that would need to be taken to eliminate itWe thank you for being a Member and your continued businessSincerely, *** *** SVP Retail Operations Fort Knox Federal Credit UnionSent on: 1/25/1:30:PM
Mr*** Our apologies for the inconvenience you experienced during your recent pay-off with Fort Knox Federal Credit Union. You connected with our service manager, and we understand the issue was resolved to your satisfactionThank you for your membership, and continued support
Regards,*** ***SVP Retail Operations Fort Knox Federal Credit Union
Our position on this issue remains the same
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[According to M(r)s*** ***), the email was supposed to contain an explanation of what was being paid for after the cancellation notice had been sent out. She explained that the current amount being paid was covering the force-placed CPI insurance for the timeframe covered between 01/18/and 01/18/and the payments would go back down if proof of insurance was submitted on or before 01/18/2018. Proof of insurance was submitted and she changed what she said, and in the previous phone call she stated that the email would contain information on what is being paid for after the policy cancellation and a breakdown of what has been paid on the CPI. Attached is a screenshot of what the email that M(r)s*** sent out contained. This did not resolve the issue, nor did it answer any of my questions.]
Regards,
*** ** ***
To Whom It May Concern,I appreciate the opportunity to try and resolve the credit reporting problem Ms. [redacted] is having. I have been in contact with her over the past week in an effort to get this issue resolved. I logged on to [redacted]'s website and updated her Elgin Furniture trade-line...
to reflect a zero balance. After I made the update I contacted her to let her know and she explained to me that her credit bureau was still showing a $238 balance. I spoke again to [redacted] today and they explained to me that although the report that I'm able to run on my end correctly shows a zero balance the update could take 48 hours to reflect directly on the consumer's credit bureau. The said that a [redacted] representative would contact me to confirm that her trade is being reported with a zero balance. I left Ms. [redacted] a voice mail updating her with the information I have as of today. As soon as I hear back from Trans Union I will contact Ms. [redacted] again to confirm her issue has been resolved.Sincerely,[redacted]
The consumer responded via phone as follows:The company did come on 4/15/17 and exchanged all items. The consumer states this matter is resolved.
Fort Knox Federal Credit Union's process is to conduct credit inquiries on all loan applicants in order to ensure we provide the best options to meet members financial needs. We are happy to remove the credit inquiries per your request. We have submitted inquiry removal requests, as of August 30th,...
2017, to all three credit bureaus on behalf of [redacted] COMPLAINT INFORMATION Customer Information: Complaint ID: [redacted]
[redacted]
The details of this matter are as follows: Complaint Involves: Customer Services Issues Customer’s Statement of the Problem: We are current members of the credit union who wanted to apply for a VA loan. The credit union offers the VA loan on their site, and does note in the fine print that the loan will be processed by CU Select. However, when filling out the application there is no way to specify VA loan. I called regarding this and the representative on the phone advised me to go ahead and submit the application and it would be handled by the loan officer. Before the credit union determined that we were applying for a VA loan, they did a credit inquiry. They then contacted us to proceed with the loan. When it was determined that we wanted a VA loan, they forward our information to CU Select. Upon speaking with that representative, we learned that we had to redo the entire application from the beginning and our credit needed to be ran again. Despite this, the credit union would still receive its 1% fee. Had we known that the application submitted through the credit union was completely invalid, we would not have wasted our time. Complaint Background: Product/Service: Loan application Purchase Date: 8/17/2017 Problem Occurred: 8/22/2017 Model: Account Number: Order Number: Name of Salesperson: Purchase Price: $0.00 Disputed Amount: $0.00 Desired Outcome: We would like the credit inquiry from FKFCU removed from our reports. [redacted] Manager | Member Resource Branch | Fort Knox Federal Credit Union|Phone: [redacted]