George's Auto Service

August 18, 2017 Dear [redacted], This is a response to the complaint ID [redacted] submitted by [redacted] on 08/17/2017. Review of Ms. [redacted]’s account indicates she requested Landmark’s Courtesy Pay service and relied heavily on this service since account opening. Activating Courtesy Pay...

allows Landmark to pay a check or electronic withdrawal from your account even if it causes the account to become overdrawn; overdraft fees apply and your account cannot be overdrawn more than $560 including the overdraft fees. Checking account disclosures regarding Courtesy Pay are provided at account opening. On July 7, 2017, Ms. [redacted] utilized Courtesy Pay, bringing her account balance to a negative $256.76. On July 12, courtesy pay was again utilized for an ATM withdrawal, bringing the account balance to a negative $522.76. Ms. [redacted] received her monthly electronic deposits on August 1 which brought her account to a positive balance. However, on the same day, Ms. [redacted] withdrew cash at two ATMs as well as a share draft cleared, bringing her account balance to a negative $168.49. Ms. [redacted] did not maintain a positive checking account balance for at least 24 hours, as indicated in the checking account disclosures, so Courtesy Pay was revoked on August 9, 2017. In reference to Ms. [redacted]’s desired outcome, Landmark allows members 45 days to bring the account positive before the account is closed due to an outstanding overdraft. However, Ms. [redacted] cannot request courtesy pay to be reinstated until she maintains a positive account balance for a minimum of 6 months. Thank you,   [redacted] Legal Analyst Landmark Credit Union [redacted]

August 10, 2016 Dear [redacted], This is a response to the complaint ID [redacted] submitted by [redacted] on 08/08/2016. On January 16, 2016, Landmark Credit Union received an insurance check in the amount of $4,796.57 for [redacted]’ vehicle loan at Landmark Credit Union. The...

outstanding balance on this loan as of this date was $1,714.82. Documentation enabling Ms. [redacted] to file a GAP insurance claim was mailed to her attention on January 16, 2016. On March 18, 2016, Landmark Credit Union received a pro-rated refund check in the amount of $193.61 for an extended warranty that Ms. [redacted] had purchased through Boucher Chevrolet in Waukesha. The remaining balance of Ms. [redacted]’ vehicle loan, after applying this refund, was $1,521.21. These payments were incorrectly applied to the loan as regular payments in place of “principal only” payments, which advanced the loan due date to December 21, 2017. The error was identified and corrected in July 2016 and  Landmark Credit Union attempted to contact Ms. [redacted] on three separate occasions in July to notify her of this correction and the revised payment due date. The attempts to reach Ms. [redacted] were unsuccessful and the vehicle loan was charged off on August 3, 2016. Ms. [redacted] spoke with an associate in Landmark’s collections department on August 8, 2016.  Landmark investigated the situation, reversed the late payment charges and the loan write-off and corrected its reporting of this loan to the three credit bureaus.  Correspondence was mailed to Ms. [redacted] on the same date confirming these actions taken by Landmark and again providing requisite documentation for filing a GAP claim and, in the alternative, urging Ms. [redacted] to make payment arrangements for the remaining loan balance of $1,521.21. Based on this timeline of events, it appears that Ms. [redacted]’ concerns regarding this issue had been timely addressed and resolved prior to her submitting the complaint to the Bureau. Please do not hesitate to contact me should you require any further information in this [redacted].   Thank you,   [redacted] Legal Analyst Landmark Credit Union [redacted]@landmarkcu.com Tel: ###-###-####

We resolved this issue for him.  We pretty much redid the work and he was happy.

September 6, 2016 Dear [redacted], This is a response to the complaint ID [redacted] submitted by [redacted] Y [redacted] on August 23, 2016, the rejection received on August 25, 2016 and the additional comment received on August 30, 2016. Landmark provides its borrowers with the Supplemental Credit Contract Provisions document only for the purpose of clarity and additional detail; Landmark’s Motor Vehicle Retail Installment Contract  signed by the borrowers contains the same requirement of comprehensive and collision insurance to be maintained and incorporates the Supplemental Credit Contract Provisions document by reference making the additional signature redundant. For your convenience, I am enclosing the Motor Vehicle Retail Installment Contract signed by Ms. [redacted] on September 5, 2015. This requirement can be found under Additional Agreements of Buyer, sections two and three. Landmark will contact Napleton Auto Group in Libertyville to inquire about Ms. [redacted]’s claim related to her signature; however, this does not change Ms. [redacted]’s obligations to maintain full comprehensive and collision insurance for the full term of the vehicle loan and to pay the outstanding balance for the insurance coverage that Landmark purchased for this loan. Please do not hesitate to contact me should you require any further information in this matter. Thank you,

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Revdex.com:
I still have no idea why landmark sent the account to collections as the gentleman said the account was set up on autopay without a missed payment.

This issue was regarding a dispute.  Disputes are handled through our current processor.  We have contacted them to reopen the case.  They are also looking into the issue of why the form was received by the customer the same day it was to be returned.  I have been in contact with...

the customer to work through this.

January 30, 2017 Dear [redacted], This is a response to the complaint ID [redacted] submitted by [redacted] L [redacted] on January 27, 2017.On December 9, 2016 Mr. [redacted] contacted Landmark and stated that his vehicle (Landmark loan #5522200-143) had been totaled on November 23, 2016; two documents were...

mailed to Mr. [redacted] at his request for a GAP insurance claim. At this time, Mr. [redacted] had missed his vehicle loan payment that was due on November 26, 2016. On December 13, 2016, Mr. [redacted] again contacted Landmark and stated he had not received the GAP paperwork; the requested documents were then sent via email that same day. As of December 13, no payment had been received for the November 26, 2016 due date. Per Landmark’s collections procedures, Mr. [redacted] began to receive delinquency letters as well as phone calls regarding his vehicle loans past due status. On December 20, 2016, Mr. [redacted] stated to Landmark’s collections department that he would not be making payments until the gap claim was resolved. On December 29, 2016, Landmark received a payment in the amount of $17,532.72 from the United Services Automobile Association that was applied to vehicle loan #5522200-143. On January 4, 2017 Landmark received an additional payment in the amount of $10,312.87 from Zurich American Insurance Company. A final payment in the amount of $990.93 from Chrysler World for a service contract cancellation was applied on January 23, 2017 bringing the vehicle loan principal balance to $1,083.65.On January 26, 2017, Mr. [redacted] contacted Landmark’s collections department and offered to pay the principal balance of the vehicle loan but not the accrued interest; Landmark agreed to accept a payment of the principal balance in the amount of $1,083.65. On January 27, 2017, Landmark reviewed the reporting of Mr. [redacted]’s vehicle loan status with the credit bureaus. A 30 day delinquency status was shown for Mr. [redacted]; Landmark corrected the reporting with Equifax, Experian and TransUnion to display no delinquency for the vehicle loan #5522200-143 as of January 27, 2017. Please allow 7-10 business days for this correction to accurately show on the credit bureaus. On January 30, 2017 the principal payment in the amount of $1,083.65 was posted to vehicle loan #5522200-143. Additionally, accrued interest in the amount of $414.64, as well as a late fee in the amount of $10.00, was waived bringing the total balance of vehicle loan #5522200-143 as of January 30, 2017 to $0.00.It is our belief that all concerns have been resolved. However, for additional questions regarding the status or reporting of vehicle loan #5522200-143, Mr. [redacted] can contact Landmark’s collections department at ###-###-####. Thank you, [redacted] Legal Analyst Landmark Credit Union [redacted] Tel: ###-###-####