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Fort Worth Community Credit Union

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Fort Worth Community Credit Union Reviews (10)

Our response to the issues Ms [redacted] wrote about are as follows: ",due to FTWCCU not issuing new plates when they sold the car." - when FTWCCU sold the car, we did register the car in the new owner's name and provided new license plates FTWCCU has no control over the installation of the new plates "I have never received a letter regarding my repossession, nor a letter stating the car was sold, as is required by law." - A letter advising Ms [redacted] of our intent to sell the car was mailed on May 20, A final letter of disposition will be sent as soon as all insurance and arefunds are received and applied "I believe the plates should have been removed by FWCCU before selling the vehicle." - Plates must remain on the car until it is sold, registered and the plates replaced "This is clearly a matter they should be handling, not myself." - Ms [redacted] should be able to present a copy of the letter mentioned above to the appropriate authorities and have her liability for the red-light camera ticket dismissed We have attempted to contact Ms [redacted] to obtain the red-light camera ticket so that it can be made available to the new owner, however she has not responded to our attempts to contact herFTWCCU has responded appropriately in this matter and will continue to attempt to see that an acceptable solution is reached FTWCCU has no obligation to pay the cost of the ticket and will not do so, however, we will continue to work with Ms [redacted] as necessary to see that the matter is resolved

FTWCCU was the lienholder on Ms [redacted] ’s auto We were notified that the auto had been involved in an accident and had been taken to an impound lot [redacted] ***, Collection Supervisor, attempted to reach Ms [redacted] by phone and email, without success Requests for a return call or message from Ms [redacted] were ignored Our policies and procedures require that members provide proof of insurance with FTWCCU shown as lienholder Ms [redacted] ’s insurance had lapsed and we had not received notice of currentinsurance Therefore, in order to protect the Credit Union’s interests and prevent further impound charges, we authorized the car being picked up and taken to another location Ms [redacted] was obviously able to negotiate a settlement with the other party’s insurance as her debt with FTWCCU regarding that auto has been paid in full FTWCCU did provide a report to the credit bureaus regarding this matter, however, on June 30, we requested that the report be deleted from Ms [redacted] ’s credit report Two of the three bureaus complied with our request immediately and there is no negative report from FTWCCU on those bureausExperian erred in their correction and showed the matter as a reclaimed involuntary repossession We recently became aware of this credit bureau error and immediately asked that the report be removed from Ms [redacted] ’s reportExperian has complied with our request In regards to Ms [redacted] ’s request that the credit bureau reports be corrected, we have already done so as noted above In order to improve her credit rating and credit score so that she is able to purchase another vehicle, it would be in Ms [redacted] ’s best interest to direct her attention to her debts with other companies that are shown on her credit report In regards to the charges shown on her statement, we will not refund those amounts because they were reasonable, valid and appropriate charges Again, the auto loan on Ms [redacted] ’s account has been paid in full by the other party’s insuranceOur actions and response in this matter were appropriate and we consider this matter closed

This auto loan was made to [redacted] with [redacted] ***, her granddaughter, as the co-signer Our requests for Ms [redacted] to make payments or insure the vehicle have been refused because Ms [redacted] is frustrated and unhappy with her granddaughter for her failure to honor her responsibility or keep Ms [redacted] informed Since the last week of June, we have received payments on nine separate occasions that have been returned for insufficient funds In addition, it has been necessary to add Collateral Protection Insurance to the loan because Ms.Lee has failed to keep auto insurance coverage in force with FTWCCU listed as the lienholder Before insurance is added to the loan, several letters and notices are sent because we are aware of the high cost of this necessary protection and we attempt to prevent the need to add it to a loan if the member has their own coverage At the time of repossession, there were three full payments due on the loan In addition, we had recently verified that Ms [redacted] had told Geico to cancel her auto insurance again A letter has been mailed to Ms [redacted] and Ms [redacted] that informs them of the repossession and their ability to pay the loan balance and all costs within days We always want to work with our members if possible, so if Ms [redacted] and Ms [redacted] would like to make a reasonable and substantial offer in order to reclaim the vehicle, they should contact Ray Bush, AVP – Collections at ###-###-####

As
Mr*** stated, he and his sister are payees on death for their late
father’s substantial account here at FTWCCU. Through her attorney in
writing, Mr***’s sister has requested that the Credit Union not disburse
any funds at this time. The Credit Union’s attorney has
advised us to
comply with this request at this time, and that ours is a perfectly acceptable
response, based on the circumstances. As there is a large amount of money
in the account, it is in the best interest of everyone involved to ensure that
the disbursement of the funds is handled properly. It appears that Mr
*** needs to communicate with his sister or her attorney, either
individually or with the assistance of his own attorney, in order to reach an
agreement with his sister regarding the disbursement of the funds. The
Credit Union is ready and willing to disburse the funds as soon as our attorney
is satisfied that it is appropriate to proceed

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to meHowever, at no time was informed there would be a hold on checks deposited to my account during this period. I can understand a hold on handwritten personal checks, but a payroll check that can be cashed at any grocery store should clear at my credit union. Had I been informed, I would have either chosen another credit union to do business with -- or would have cashed my checks and deposited cash until this waiting period was up. This lack of information create a hardship situation for my family.
Regards,
*** ***

Our response to the issues Ms. [redacted] wrote about are as follows:1.  ",due to FTWCCU not issuing new plates when they sold the car." - when FTWCCU sold the car, we did register the car in the new owner's name and provided new license plates.  FTWCCU has no control over...

the installation of the new plates.2.  "I have never received a letter regarding my repossession, nor a letter stating the car was sold, as is required by law." - A letter advising Ms. [redacted] of our intent to sell the car was mailed on May 20, 2016. A final letter of disposition will be sent as soon as all insurance and add-on refunds are received and applied.3.  "I believe the plates should have been removed by FWCCU before selling the vehicle."  - Plates must remain on the car until it is sold, registered and the plates replaced. 4.  "This is clearly a matter they should be handling, not myself."  - Ms. [redacted] should be able to present a copy of the letter mentioned above to the appropriate authorities and have her liability for the red-light camera ticket dismissed.  We have attempted to contact Ms. [redacted] to obtain the red-light camera ticket so that it can be made available to the new owner, however she has not responded to our attempts to contact her. FTWCCU has responded appropriately in this matter and will continue to attempt to see that an acceptable solution is reached.  FTWCCU has no obligation to pay the cost of the ticket and will not do so, however, we will continue to work with Ms. [redacted] as necessary to see that the matter is resolved.

FTWCCU was the lienholder on Ms. [redacted]’s auto.  We were notified that the auto had been involved in an accident and had been taken to an impound lot.  [redacted], Collection Supervisor, attempted to reach Ms. [redacted] by phone and email, without success.  Requests for a return call...

or message from Ms. [redacted] were ignored.  Our policies and procedures require that members provide proof of insurance with FTWCCU shown as lienholder.  Ms. [redacted]’s insurance had lapsed and we had not received notice of currentinsurance.  Therefore, in order to protect the Credit Union’s interests and prevent further impound charges, we authorized the car being picked up and taken to another location.  Ms. [redacted] was obviously able to negotiate a settlement with the other party’s insurance as her debt with FTWCCU regarding that auto has been paid in full.  FTWCCU did provide a report to the credit bureaus regarding this matter, however, on June 30, 2015 we requested that the report be deleted from Ms. [redacted]’s credit report.  Two of the three bureaus complied with our request immediately and there is no negative report from FTWCCU on those bureaus. Experian erred in their correction and showed the matter as a reclaimed involuntary repossession.  We recently became aware of this credit bureau error and immediately asked that the report be removed from Ms. [redacted]’s report. Experian has complied with our request.   In regards to Ms. [redacted]’s request that the credit bureau reports be corrected, we have already done so as noted above.  In order to improve her credit rating and credit score so that she is able to purchase another vehicle, it would be in Ms. [redacted]’s best interest to direct her attention to her debts with other companies that are shown on her credit report.   In regards to the charges shown on her statement, we will not refund those amounts because they were reasonable, valid and appropriate charges.  Again, the auto loan on Ms. [redacted]’s account has been paid in full by the other party’s insurance. Our actions and response in this matter were appropriate and we consider this matter closed.

This auto loan was made to [redacted] with [redacted], her granddaughter, as the co-signer.  Our requests for Ms. [redacted] to make payments or insure the vehicle have been refused because Ms. [redacted] is frustrated and unhappy with her granddaughter for her failure to honor her responsibility...

or keep Ms. [redacted] informed.   Since the last week of June, we have received payments on nine separate occasions that have been returned for insufficient funds.  In addition, it has been necessary to add Collateral Protection Insurance to the loan because Ms.Lee has failed to keep auto insurance coverage in force with FTWCCU listed as the lienholder.  Before insurance is added to the loan, several letters and notices are sent because we are aware of the high cost of this necessary protection and we attempt to prevent the need to add it to a loan if the member has their own coverage.   At the time of repossession, there were three full payments due on the loan.  In addition, we had recently verified that Ms. [redacted] had told Geico to cancel her auto insurance again.  A letter has been mailed to Ms. [redacted] and Ms. [redacted] that informs them of the repossession and their ability to pay the loan balance and all costs within 15 days.    We always want to work with our members if possible, so if Ms. [redacted] and Ms. [redacted] would like to make a reasonable and substantial offer in order to reclaim the vehicle, they should contact Ray Bush, AVP – Collections at ###-###-####.

Mr. [redacted] opened his account online on December 14th and went to our Wedgwood Office to provide his driver's license.  The FSR who waited on Mr. [redacted] stated that she discusses with members  about the holds on new accounts and mobile deposits.  Our procedures call...

for mobile deposits to be reviewed for a possible 5 day hold.  Regulations provide for a 9 business day hold on deposits  to new accounts, however we have chosen a shorter period.  Mr. [redacted] deposit was made via mobile deposit with a 5 day hold on December 26th and he called December 27th regarding the hold.  Our  AVP – Teller Services adjusted the hold as an exception to a 2 day hold.  The hold was released today, December 28th and Mr. [redacted] was informed of the action.

We were unaware of any health issues Ms. [redacted]
might be experiencing and certainly do no not want to contribute to further health
issues.  When our representatives contact
our members regarding their past due loans, they are instructed to treat
members with dignity and...

respect.  So it
is concerning that Ms. [redacted] perceived the calls as harassing and
threatening.  That certainly was not our
intent.  However, we do require that members
repay their loans as agreed, and when they fall behind, we must contact them to
make arrangements for them to get back up-to-date.  This helps keep them on track to pay off
their debt as agreed and helps maintain their credit rating.  I will ask a representative to contact Ms.
[redacted] again and, following our procedures, see if we can assist Ms. [redacted] in
getting her accounts current.

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Address: 1905 Forest Ridge Dr, Bedford, Texas, United States, 18702-6048

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