Elton S Kagimoto, Attorney at Law, LLC

In reference to complaint ID [redacted] : During my conversation with [redacted] , I reiterated the fact that we have no record of our cardholder canceling the dispute caseBecause of this the investigation continued and our cardholder was refunded the funds.? According to [redacted] ’s statement our cardholder received reimbursement twice for the same transaction, once from her and then from Fox.? Per card regulations, we are unable to reverse the dispute case.? If the cardholder received the funds twice, he should send Fox something in writing authorizing us to withdraw the funds in question and issue a cashier’s check to [redacted] .? Since he is the account owner, we are not able to proceed without his written authorization

We received a notification from you that one of our members submitted a complaint.? The ID assigned is [redacted] .While no company wishes to have complaints submitted about them, we are in a service business and overtime you can’t always do what a member is asking for.There is no dispute that the request for the loan and the process, along with the final outcome of the loan request being denied happened as described.? What varies is the initial request was submitted as if the member wished to purchase some land.? The Credit Union handles these types of requests many times and the application was submitted through our retail real estate ? department.? It was uncovered through processing and underwriting that the member was actually purchasing ? land with a small garage type building on it ?" with some more questions asked, it was told to us that the intention was to purchase the property and have her husband’s established business run out of it.? This type of request changes how we needed to underwrite the loan ?" as it was now a purchase of a property for business purpose.? The request was transferred to our business loan department who ultimately declined the loan.? The whole process and time could have been cut in half if the request would have been submitted to us under the purpose truly intended and for that we are truly sorry.We are in the business of making loans and try to find a way to do that on every request.? While we can’t go into details due to privacy on why the particular request was denied, more than just a credit score is looked at when making a decision.? Please feel free to contacting me directly should you have any further questions or need any further information for the complaint.Thanks

Response to complaint from MrJohn [redacted] :? Notice of funds hold on checks is a policy in place to protect our members financial well-being? In regards to MrJohn [redacted] case, he was a new relationship at the credit union, his check amount was significantly larger with no matching funds in his account and the check was out of state.? These indicators are factors that were taken into consideration and the employee determined that the check may indicate it may not be paid.? In an effort to work with Mr [redacted] for a possible resolution, I, [redacted] ***, made contact with him after his branch visit via telephone on Tuesday, May 17th, I asked him about the background of the check and why he needed the funds release prior to May 27th, 2016, which was the original check hold release date per check hold formHis response was that he was working with Adam and [redacted] in [redacted] , Wisconsin and that I could contact the law firm for more information.? I then proceeded to call law firm to verify the source of the check? The law firm confirmed that that the only contact made to Mr [redacted] was a letter sent to him requesting his signature to claim funds on his deceased mother’s life insurance as a beneficiaryThe law firm was not able to confirm the dollar amount, accept that the life insurance company the mother had matched the one on the check that Mr [redacted] presented to the credit union.? ? Since then the funds has been released and disbursed to Mr [redacted] on May 27th, 2016.? Thanks for allowing us to respond to this matter.? If you have any further questions, please feel to contact me at ###-###-####.? Sincerely, ? [redacted]

I was following up on the Revdex.com consumer complaint #***. It stated our original response was not to the satisfaction by the consumer. We would like to inquire how we can resolve this matter on our existing record. I have included “The ability to withdraw funds policy” that we gave to our member. I have not included but also see a form we gave to our member regarding the hold we put on his funds. I can share this if need be, but it has sensitive account data that cannot be sent over regular email. The form is a “notice of funds hold” and states we are holding funds on this account for XXX amount, why we are holding the amount, and when the funds will be available(business days). We did release the money on the day we stated we would release the funds. As a point of reference:We called the member stating we were putting a hold on the check. In attempt to assist the member, we attempted to call the name of the place the member was working with. The firm was not able to confirm the dollar amount or the name of the life insurance company on the check that Mr*** presented to the credit union. The firm only was able to say they sent a form to our member requesting a signature to receive fundsThis was not enough information for us to be able to release the funds earlier than stated on the notice we gave to the member. Mr*** does talk about employees not following our own policies and are liars. I am not sure if he has an example of what that means or if he would like to give me a call on this matter. I am providing our policy and procedures that I believe we followed in this email, but if there is some information we still need to get to an understanding on this matter, feel free to reach back out to me at ###-###-####. We also want to make sure we are addressing the exact issue

I was following up on the Revdex.com consumer complaint #***. It stated our original response was not to the satisfaction by the consumer. We would like to inquire how we can resolve this matter on our existing record. I have included “The ability to withdraw funds policy” that we gave to our member. I have not included but also see a form we gave to our member regarding the hold we put on his funds. I can share this if need be, but it has sensitive account data that cannot be sent over regular email. The form is a “notice of funds hold” and states we are holding funds on this account for XXX amount, why we are holding the amount, and when the funds will be available(business days). We did release the money on the day we stated we would release the funds. As a point of reference:We called the member stating we were putting a hold on the check. In attempt to assist the member, we attempted to call the name of the place the member was working with. The firm was not able to confirm the dollar amount or the name of the life insurance company on the check that Mr*** presented to the credit union. The firm only was able to say they sent a form to our member requesting a signature to receive fundsThis was not enough information for us to be able to release the funds earlier than stated on the notice we gave to the member. Mr*** does talk about employees not following our own policies and are liars. I am not sure if he has an example of what that means or if he would like to give me a call on this matter. I am providing our policy and procedures that I believe we followed in this email, but if there is some information we still need to get to an understanding on this matter, feel free to reach back out to me at ###-###-####. We also want to make sure we are addressing the exact issue

In reference to complaint ID ***: During my conversation with ***, I reiterated the fact that we have no record of our cardholder canceling the dispute caseBecause of this the investigation continued and our cardholder was refunded the funds. According to ***’s statement our cardholder received reimbursement twice for the same transaction, once from her and then from Fox. Per card regulations, we are unable to reverse the dispute case. If the cardholder received the funds twice, he should send Fox something in writing authorizing us to withdraw the funds in question and issue a cashier’s check to ***. Since he is the account owner, we are not able to proceed without his written authorization

Response to complaint from MrJohn ***: Notice of funds hold on checks is a policy in place to protect our members financial well-being In regards to MrJohn *** case, he was a new relationship at the credit union, his check amount was significantly larger with no
matching funds in his account and the check was out of state. These indicators are factors that were taken into consideration and the employee determined that the check may indicate it may not be paid. In an effort to work with Mr*** for a possible resolution, I, *** ***, made contact with him after his branch visit via telephone on Tuesday, May 17th, I asked him about the background of the check and why he needed the funds release prior to May 27th, 2016, which was the original check hold release date per check hold formHis response was that he was working with Adam and *** *** *** in ***, Wisconsin and that I could contact the law firm for more information. I then proceeded to call law firm to verify the source of the check The law firm confirmed that that the only contact made to Mr*** was a letter sent to him requesting his signature to claim funds on his deceased mother’s life insurance as a beneficiaryThe law firm was not able to confirm the dollar amount, accept that the life insurance company the mother had matched the one on the check that Mr*** presented to the credit union. Since then the funds has been released and disbursed to Mr*** on May 27th, 2016. Thanks for allowing us to respond to this matter. If you have any further questions, please feel to contact me at ###-###-####. Sincerely, *** ** *** *** ** *** ***

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. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]FCCU was NOT FOLLOWING THEIR OWN POLICIES regarding this incidentOnce again they are using lies to cover up the evil actions they have takenThis credit union is unwilling to conduct business in an ethical mannerActions should be taken to reprimand them accordinglyThey need to be held accountable for fraudulent business practices
Regards,
John *** ***

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. For your reference, details of the offer I reviewed appear below
good evening,I have receipts of issuing *** *** his funds and *** also stated that he did indeed tell fox communities that he recovered the funds from me and he also told me that fox communities agreed to cancel the investigation when I spoke with fox communities they stated that it was not their job to cancel the investigation I really feel that fox communities was very dishonest in this matter and this issue has not been resolved
Regards,
*** ***

To whom it may concern,Fox Communities received an inquiry from the Revdex.com from:Customer Information:*** * ***
*** *** **
*** * ** ***
*** *** *** ***
*** ***Customer’s Statement of the Problem:I have previously had
an account with FC and now am advised that I cannot have an account. Resolve:We were able to resolve this matter and open an account for Mr***. We are sorry for the initial inconvenience to Mr***. The branch manager at the *** location was able to contact him and have him come in and learn more about his situation. The account was opened for him. We are happy Mr*** was able to give us another chance to talk to him and learn more about his needs. We consider this situation closed and are confident we can service Mr***'s account here at the credit union. If you have any questions, feel free to call me at ###-###-####. Dave *** ** ** *** ***.

*** *** submitted a dispute with us on 10-29-claiming a transaction in the amount of $from Boost Mobile was not authorized by him. He stated he gave his card to *** *** and authorized a onetime payment on 7-4-15. Another transaction from Boost Mobile in the
amount of $posted to his account on 10-27-15. He reported and completed dispute paperwork on 10-29-that he had not authorized the transaction on 10-27-only the one for 7-4-15. We gave him provisional credit on 10-29-and proceeded to process the dispute. *** did not cancel the dispute and did not inform us that he had received reimbursement from ***. Boost Mobile reversed the payment and reimbursed us for the credit we had given to *** on 10-29-15. I have included the paperwork we received on 10-29-If you need any additional information please feel free to contact me directly at 920-993-

To whom it may concern,Fox Communities received an inquiry from the Revdex.com from:Customer Information:*** * ***
*** *** **
*** * ** ***
*** *** *** ***
*** ***Customer’s Statement of the Problem:I have previously had
an account with FC and now am advised that I cannot have an account. Resolve:We were able to resolve this matter and open an account for Mr***. We are sorry for the initial inconvenience to Mr***. The branch manager at the *** location was able to contact him and have him come in and learn more about his situation. The account was opened for him. We are happy Mr*** was able to give us another chance to talk to him and learn more about his needs. We consider this situation closed and are confident we can service Mr***'s account here at the credit union. If you have any questions, feel free to call me at ###-###-####. Dave *** ** ** *** ***

In reference to complaint ID ***: During my conversation with ***, I reiterated the fact that we have no record of our cardholder canceling the dispute caseBecause of this the investigation continued and our cardholder was refunded the funds. According to ***’s statement our cardholder received reimbursement twice for the same transaction, once from her and then from Fox. Per card regulations, we are unable to reverse the dispute case. If the cardholder received the funds twice, he should send Fox something in writing authorizing us to withdraw the funds in question and issue a cashier’s check to ***. Since he is the account owner, we are not able to proceed without his written authorization

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.? For your reference, details of the offer I reviewed appear below
good evening,I have receipts of issuing *** *** his funds and *** also stated that he did indeed tell fox communities that he recovered the funds from me and he also told me that fox communities agreed? to cancel the investigation when I spoke with fox communities they stated that it was not their job to cancel the investigation? I really feel that fox communities was very dishonest in this matter and this issue has not been resolved
Regards,
*** ***

Response to complaint from MrJohn ***:? Notice of funds hold on checks is a policy in place to protect our members financial well-being? In regards to MrJohn *** case, he was a new relationship at the credit union, his check amount was significantly larger with no
matching funds in his account and the check was out of state.? These indicators are factors that were taken into consideration and the employee determined that the check may indicate it may not be paid.? In an effort to work with Mr*** for a possible resolution, I, *** ***, made contact with him after his branch visit via telephone on Tuesday, May 17th, I asked him about the background of the check and why he needed the funds release prior to May 27th, 2016, which was the original check hold release date per check hold formHis response was that he was working with Adam and *** *** *** in ***, Wisconsin and that I could contact the law firm for more information.? I then proceeded to call law firm to verify the source of the check? The law firm confirmed that that the only contact made to Mr*** was a letter sent to him requesting his signature to claim funds on his deceased mother’s life insurance as a beneficiaryThe law firm was not able to confirm the dollar amount, accept that the life insurance company the mother had matched the one on the check that Mr*** presented to the credit union.? ? Since then the funds has been released and disbursed to Mr*** on May 27th, 2016.? Thanks for allowing us to respond to this matter.? If you have any further questions, please feel to contact me at ###-###-####.? Sincerely, ? *** ** *** *** ** *** ***

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.? For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]FCCU was NOT FOLLOWING THEIR OWN POLICIES regarding this incidentOnce again they are using lies to cover up the evil actions they have takenThis credit union is unwilling to conduct business in an ethical mannerActions should be taken to reprimand them accordinglyThey need to be held accountable for fraudulent business practices
Regards,
John *** ***

We received a notification from you that one of our members submitted a complaint.  The ID assigned is [redacted].While no company wishes to have complaints submitted about them, we are in a service business and overtime you can’t always do what a member is asking for.There is no dispute that the...

request for the loan and the process, along with the final outcome of the loan request being denied happened as described.  What varies is the initial request was submitted as if the member wished to purchase some land.  The Credit Union handles these types of requests many times and the application was submitted through our retail real estate  department.  It was uncovered through processing and underwriting that the member was actually purchasing  land with a small garage type building on it – with some more questions asked, it was told to us that the intention was to purchase the property and have her husband’s established business run out of it.  This type of request changes how we needed to underwrite the loan – as it was now a purchase of a property for business purpose.  The request was transferred to our business loan department who ultimately declined the loan.  The whole process and time could have been cut in half if the request would have been submitted to us under the purpose truly intended and for that we are truly sorry.We are in the business of making loans and try to find a way to do that on every request.  While we can’t go into details due to privacy on why the particular request was denied, more than just a credit score is looked at when making a decision. Please feel free to contacting me directly should you have any further questions or need any further information for the complaint.Thanks

[redacted] submitted a dispute with us on 10-29-15 claiming a transaction in the amount of $58.13 from Boost Mobile was not authorized by him.  He stated he gave his card to [redacted] and authorized a onetime payment on 7-4-15.  Another transaction from Boost Mobile in the...

amount of $58.13 posted to his account on 10-27-15.  He reported and completed dispute paperwork on 10-29-15 that he had not authorized the transaction on 10-27-15 only the one for 7-4-15.  We gave him provisional credit on 10-29-15 and proceeded to process the dispute.  [redacted] did not cancel the dispute and did not inform us that he had received reimbursement from [redacted].  Boost Mobile reversed the payment and reimbursed us for the credit we had given to [redacted] on 10-29-15.  I have included the paperwork we received on 10-29-15. If you need any additional information please feel free to contact me directly at 920-993-3793.