First Quality Fence, Inc.

Good Afternoon,Visa regulations only allow us to recover funds from 90-days from the date of the transaction The date of transaction was last year on February 4, Below are timeline of the events:3/-*** *** contacted *** to dispute a fraudulent transaction on his
credit card A letter was sent out to him explaining credit to account was temporary and that the affidavit must be signed and filled out within calendar days 3/12/- His account was given a provisional credit of $4500.4/17/14-Based on the affidavit *** received from the member, it was determined that the transaction was not fraudulentA letter was sent to Mr*** asking for more information to proceed and the letter stated the new affidavit needed to be returned within calendar days5/12/14-The requested information was not received A letter was sent to Mr*** explaining reason for denial and the the provisional credit would be reversed in calendar days.5/23/- $was reversed from his VISA11/26/14- *** ***'s daughter, *** * *** ***, was listed as Power of Attorney 1/28/- *** contacted *** to inquire about the dispute At that time, the dispute was past the days timeframe 12//28/15- Received complaint from Revdex.com.In conclusion, Sierra Central followed procedure in trying to help Mr*** recover funds from the merchant Because we did not get the information required to continue the dispute, we no longer have any chargeback rights due to the timeframe allowed to dispute the transaction per VISA Attached are supporting documents.

I am rejecting this response because: In April 4/15/15. I went to Sierra Credit Union payed a payment and had to pay $extra for insurance I all ready had, I showed then I had insurance St Farm they said they did not care and kept charging me insuranceThey would not drop their insurance the next month they still wanted $they still had their insurance on my truck they would not drop their insurance on my truck they would not except my insurance company St Farm I have had for 30+ yearTheir putting their hands right in my pocket and taking my money away from me they said I had no insurance months later so I showed them it in their office in Yuba CityThey said they did not care and wanted $right now or they would not give me my receiptI told them that is all I had to get home onThey said they did not care they said I owed it

I am rejecting this response because: Sierra Central Credit Union has provided copies of the Affidavit of Fraud, the very form that they have stated they didn't receive AND they have provided a copy (the one that I have attached) that clearly has a FAX date of April 7, 2014, which is inside of the April 17, deadline Also, Sierra Central Credit Union states that they made a request for information on April 17, and that *** *** failed to provide "that information" What information did they need? There is no written request for information that I can find If Sierra Central is referring to wanting *** to send in a 'contract, agreement, or receipt' from *** ***, we have both stated over and over again that THERE WAS NO PAPERWORK The bad guys don't typically hand out business cards or receipts when they steal something They WERE UNAUTHORIZED in removing any funds from ***'s account and Sierra Central was informed of the fraud and all required forms were provided in a timely manner In addition to that, Sierra Central states that they "contacted *** ***" but have provided nothing to inform us as to what *** told Sierra Central about removing these funds from ***'s accountSierra Central also states that, "they found that no fraud occurred" but have offered no explanation/description as to how they came to that conclusion When I contacted Sierra Central and Cardholder Services Dispute (on multiple occasions) I was told that, "we found that *** did business with *** ***" (absolutely NOT true) and therefore concluded that the $4,was NOT fraudulently removed from ***'s account *** NEVER DID BUSINESS with *** and even "IF" he had, how does that authorize *** to remove funds from his account? Sierra Central has also stated that there is "no proof" that I, *** *** Frazier, hold a Power of Attorney for *** and they further stated that they were unable to verify that a POA was on file Again, and incorrect statements as one is on file with the Redding branch of Sierra Central and I also faxed a copy of the POA to Cardholder Services Dispute Dept I have worked closely on this issue with the Redding branch Vice President *** *** ** *** *** He will not only verify that a POA is on file, but he will also verify that I brought *** to the Credit Union to give the POA to *** with *** present *** will also verify that ALL FORMS WERE FAXED IN A TIMELY MANNER but Sierra Central continues to state the documents were never received: except they, themselves, have provided copies of the Affidavit of Fraud I will further add that Sierra Central has made things incredibly difficult for me to help my father because they have demanded a phone conference call and stated to me that they, "do not accept POA's" I, and ***, have the right to all information that Sierra Central states they have that will "prove" that no fraud occurred Sierra Central should NEVER have returned the $4,to *** *** as *** HAD NO AUTHORIZATION to remove any funds AND Sierra Central has NEVER provided any information to uphold their findings that "no fraud occurred"

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
"I will be going in to the credit Union and per the company request will talk to *** ***."You can close this case as resolved.

We have researched the members request with our insurance services specialist and below is a timeline and explanation of all charges to the member:3/26/-The member had Collateral protection insurance premium added to her loan in the amount of $due to a lapse in her policy4/14/Partial
refund of $- the payment was adjusted to $to cover the CPI for the lapse in coverage (original payment was $396.00)-? She made her April and May payment at the higher amount? In June she then made a $payment and at that time it did not satisfy the June payment (since payment is 444.06)7/20/15? she made another $payment and at that time it satisfied her June payment so her payment rolled the due date to July8/24/she made her July payment of $and she had money in partial pay so her date rolled to August9/17/she made a payment of $and again she had money in partial pay so this completed her Aug and Sept payment rolling her due date to Oct.9/30/She received another CPI refund in the amount of $and this completed the full CPI Refund? 9/30/Her payment was adjusted back to the origianl of $and the additional monies paid were put in partial pay ($294.00) and she was still due for OctoberSince then she has made her October November and December payments and is due for January 1/20/16.So all the premium that the member made was refunded and applied to the loan? There were a fue late charges due to the added CPI that we are going to reverse for her, which totals $66.75.? If there are any other questions, she can contact our Insurance Services specialist, *** *** ** ***Thank you!*** ***VP Community Relations? ? ? ? ?