Elite Pipe Testing

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 The response is typical of my struggles in dealing with Arizona Federal Credit Union, no one takes the time to understand the real problemYes, I did have two loans with Arizona FederalThey were both charged off in January of 2010, as stated in the responseIt is my believe that I settled both accounts with Arizona Federal Credit Union at the same timeI did not realize that only one of the accounts was reported as settled until I received a letter from AZFCU in February of this yearSince I did not receive the settlement agreement in writing, I began researching for proof that both were settled, however this was years ago and I'm not sure which of my accounts I paid withI asked AZFCU to send me what documentation they had and they refusedWhile continuing to research the matter, I received an email from my credit monitoring service that NEW CHARGE OFFS had been added to my [redacted] credit reportI was confused because I have worked hard to rebuild my credit and all of my open accounts are currentI received a copy of my credit report from all three bureaus and, low and behold, AZFCU had reported TWO NEW CHARGE OFFSTo further complicate matters, all of these accounts start with the same digits because they were associated with my member number and the remaining digits are masked so there is no way to clearly identify which account I am referencing so that someone can understand my issuesI am continuing to search for proof that I settled both accounts buy my complaint to the Revdex.com was regarding AZFCU's refusal to provide documentation and the erroneous reporting to the credit bureausHere are my problems: 1.) Credit Card Account: This was charged off in for $- that is correct, and confirmed in the response, although I believe I settled this debt and am looking for proofHowever, the same account and trade line was reported to have been charged off AGAIN in May for $Let me be clearThe SAME account and the SAME trade line was reported to have been charged off TWICE by Arizona Federal Credit UnionThe definition of "charging off" a debt supports that this cannot be trueAZ Fed can continue to try to collect on a charged off debt but they cannot claim to have charged it off multiple times on the same trade line and for different amounts each timeThey did not charge off $AND then charge off $five years later on the same account2.) Personal Loan: This personal loan had a balance of $when it was charged off in then I settled it and that is correctly reported as paid for less than fullHowever, a second trade line was added this month for the same account, stating that it was charged off in May These are two different trade lines for the same personal loan, with different statusesOnce again, if they correctly state in their response that this was settled, how can it be charged off for a second time this monthThis is new information that was added this monthAccording to [redacted] , [redacted] and [redacted] , I have two NEW charge off accountsI have attached a document showing how the two accounts are being reported.While I continue to look for documentation that both loans were settled, I would like for AZFCU to provide me with whatever written documentation they haveI would also like AZFCU to adjust their entries to all credit bureaus to reflect the correct charge off date for account #and to remove the duplicate entry for account #that incorrectly states that it was charged off this monthThe original entry for account #is correct: charged off in then settled for less than full.Regards, [redacted] ***

[redacted] obtained a loan for a boat from Arizona Federal in June of Part of the loan documents he signed included a section called “Property Insurance; Lender-Placed Insurance – Please Read Carefully.” This section notifies the borrower of the insurance requirements for the property used as collateral and that lender-placed insurance will be provided at the borrower’s expense if insurance lapses for any reasonIn addition to this, reminders about the insurance requirement are sent with the loan coupon book by mail, and by email once the loan has been fundedOn 9/22/2016, Arizona Federal received notification that the insurance policy on the boat was canceled effective 9/9/Letters were sent to the member at the address on record on 10/03/and 10/31/2016, notifying the member that insurance will be placed on the boat if we do not receive a copy of a current insurance policyOn 11/14/2016, lender-placed insurance was added to the loan with effective dates of 9/9/to 9/9/When [redacted] called on 1/11/2017, a member of our team explained the lender-placed insurance and provided a fax number for [redacted] to send in proof of insuranceThe team member also explained that a pro-rated amount for the insurance would be refunded, so that he would only be paying for the time period in which the insurance had lapsedOn 1/19/2017, the new insurance policy was received with an effective date of 1/13/A refund for the remainder of the lender-placed insurance policy was credited to the loan on 1/20/The member is responsible for the pro-rated amount of $to cover the period the insurance lapsed (9/9/to 1/13/2017)We show the member has already partially paid this in December and January, and the loan payment will return to the original amount of $after his March payment is madeWe will gladly refund the $upon receipt of proof of insurance for the lapsed time period of 9/9/to 1/31/

Due to fact that this complaint concerns investments which are provided through Arizona Federal but not insured like deposit products, a member of our investment team will be reaching out directly to you to attempt to resolve the issueThank you

Our records indicate that the auto loan that Ms [redacted] has with us has been past due in perpetuity for the last monthsWe have documentation to show that we attempted to contact Ms [redacted] at the phone number listed on her account, but the multiple calls were not answered and Ms [redacted] did not contact us to set up payment arrangementsWhen this happens, we have no choice but to complete a payment sweep to resolve the deliquent loan amountUnfortunately, if there are outstanding authorizations when this is done, they are still paid and if the account goes negative as a result, fees are assessedFurther we have refunded multiple fees in the past months and Ms [redacted] has been explained that further fee refunds will not be grantedThe loan is currently past duePlease contact our Risk Management team at [redacted] to discuss payment arrangements due to financial hardshipThank you

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 Regards, [redacted] ***

[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 [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 Regards, [redacted] ***

Waiting would have resulted in a late fee for $50 from my landlord, as they are not responsible for lost, stolen or checks never sent. However, I will still require tracking information proving the check was sent for legal purposes as I do not trust AZFCU anymore as the check could have never been sent and/or unlawful fee charged to me. I need to protect myself and other members who trust the bank to handle our money in an appropriate manner. Please provide all tracking information that proves the [redacted] had received the check and was in route. As of today 4/11/2016 the check has not been received which points to never being sent. This manner could be resolved quickly once I receive my fee back.

***,We have submitted our updates to the three credit reporting agenciesPlease keep in mind that updates can take anywhere from - days to be reflected on your credit report from each of the agenciesThe item in question is still showing as being disputed currently which may also delay
the update from postingIf you have further questions, please feel free to reach out directly to our Risk Management team for assistance at ###-###-####Thank you.Sincerely,Arizona Federal

Good Morning, ***! Thank you for reaching out with your concernsAfter reviewing your message, we tried to locate your member ID/account number in our system and, when we were unable to do so, reach out to you by phoneUnfortunately, your mailbox was full and we were not able to leave a
voicemailWe noticed that your message refers to an upgrade of the systems at *** *** *** and wanted to verify that this Revdex.com complaint was intended to come to Arizona Federal Credit UnionIf it was intended for us, can you please reach out to us at (*** *** so that we can work with you to better understand your concerns? Sincerely, Arizona Federal

This issue has been resolved and the member was satisfied with the outcome

Since receiving the original complaint from this member, and since the most recent communication through the Revdex.com on 5/22/2015, Arizona Federal has received a letter from Jennifer stating she was unable to locate proof that she settled the remaining outstanding debt. She has offered to settle the debt at a specific dollar value. Arizona Federal has accepted this offer and will submit the debt as “settled for less than due amount” to the bureau when the payment is recieved.  We are considering this matter as resolved outside of the Revdex.com and will communicate to the member outside of the Revdex.com from now on.

Our records indicate that the auto loan that Ms. [redacted] has with us has been past due in perpetuity for the last 2 months. We have documentation to show that we attempted to contact Ms. [redacted] at the phone number listed on her account, but the multiple calls were not answered and Ms. [redacted] did not...

contact us to set up payment arrangements. When this happens, we have no choice but to complete a payment sweep to resolve the deliquent loan amount. Unfortunately, if there are outstanding authorizations when this is done, they are still paid and if the account goes negative as a result, fees are assessed. Further we have refunded multiple fees in the past 6 months and Ms. [redacted] has been explained that further fee refunds will not be granted. The loan is currently past due. Please contact our Risk Management team at [redacted] to discuss payment arrangements due to financial hardship. Thank you.

Our records indicate that the credit card in question still has a balance owed. There was a separate loan that was settled upon and paid for less than the balance owed, but there is a remaining outstanding balance on a charged off Visa credit card in the amount of $651.37. This...

charged off balance has been reporting on the member’s credit report since the time it was charged off 1/8/2010. If the member has proof that she paid her loan, or a copy of her credit report that shows this loan not reporting we will review the documents.

Our records indicate that Mr. N[redacted] called us to explain the situation on 3/31/16. We provided a solution which would have been to complete research as to where the check had gone, block and reissue if necessary and attempt to resolve any issues that might arise with his landlord (payee) as a...

result. Mr. N[redacted] stated that he wanted it blocked immediately, which carries a $35 fee. We explained this to Mr. N[redacted] and he still opted for the immediate stop payment. As this was his request, the $35 fee is applied.

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.
Regards,
[redacted]

We have refunded an additional 3 fees to bring the total of fee refunds to $100. Please note that your [redacted] account does not have a grace period. Payment is due on the 2nd day of each month. Payments received after the 2nd will be considered late and will incur a late fee. Further late fee...

refunds will not be given. Attached you will find a copy of the original loan contract. Thank you for your membership; we will now consider this matter to be resolved.

[redacted] obtained a loan for a boat from Arizona Federal in June of 2016. Part of the loan documents he signed included a section called “Property Insurance; Lender-Placed Insurance – Please Read Carefully.” This section notifies the borrower of the insurance requirements for the property used as...

collateral and that lender-placed insurance will be provided at the borrower’s expense if insurance lapses for any reason. In addition to this, reminders about the insurance requirement are sent with the loan coupon book by mail, and by email once the loan has been funded. On 9/22/2016, Arizona Federal received notification that the insurance policy on the boat was canceled effective 9/9/2016. Letters were sent to the member at the address on record on 10/03/2016 and 10/31/2016, notifying the member that insurance will be placed on the boat if we do not receive a copy of a current insurance policy. On 11/14/2016, lender-placed insurance was added to the loan with effective dates of 9/9/2016 to 9/9/2017. When [redacted] called on 1/11/2017, a member of our team explained the lender-placed insurance and provided a fax number for [redacted] to send in proof of insurance. The team member also explained that a pro-rated amount for the insurance would be refunded, so that he would only be paying for the time period in which the insurance had lapsed. On 1/19/2017, the new insurance policy was received with an effective date of 1/13/2017. A refund for the remainder of the lender-placed insurance policy was credited to the loan on 1/20/2017. The member is responsible for the pro-rated amount of $576 to cover the period the insurance lapsed (9/9/2016 to 1/13/2017). We show the member has already partially paid this in December and January, and the loan payment will return to the original amount of $381.89 after his March payment is made. We will gladly refund the $576 upon receipt of proof of insurance for the lapsed time period of 9/9/2016 to 1/31/2017.

The Bank is letting the advisor do business at there Bank. They should close him down!I will take money frm this Bank, cause they steal from you, close them down!

Our records indicate that the orginal loan amount was $20,000. As the current balance is $5,564.17, the amount paid to date on the loan is $14,435.83. In addition to the principal balance, $6,826.70 has been paid in interest. At the time of loan closing in 2005, it was projected that the total cost...

of the loan would be $32,345.63 after 15 years. This is of course taking into account that each payment was made on the due date with no additional funds designated for principal. If additional payments have been made, the total amount repaid will be less at the end of the loan term. The total amount paid principal and interest is $21,262.53.We hope this information helps. Thank you!

Waiting would have resulted in a late fee for $50 from my landlord, as they are not responsible for lost, stolen or checks never sent. However, I will still require tracking information proving the check was sent for legal purposes as I do not trust AZFCU anymore as the check could have never been sent and/or unlawful fee charged to me. I need to protect myself and other members who trust the bank to handle our money in an appropriate manner. Please provide all tracking information that proves  the [redacted] had received the check and was in route. As of today 4/11/2016 the check has not been received which points to never being sent. This manner could be resolved quickly once I receive my fee back.