Gilrie Pools

As discussed, I wanted to follow up with you regarding Ms [redacted] ’s complaint Initially I had left several messages for Ms [redacted] , but had not heard back from her After I submitted the initial response to you, Ms [redacted] did return my call and we were able to resolve the issue I asked Ms [redacted] to sign a Stop Payment Form for the merchant who was drafting her account, and disputed the charges which had already been withdrawn She was given a provisional refund for those charges I also refunded a number of fees which had accumulated as a result of the merchant drafting Ms [redacted] ’s account as wellI am confident that Ms [redacted] will confirm the sameSincerely, Lisa B [redacted] Executive Vice PresidentGreenville Heritage FCUT: (864) [redacted] F: (864) [redacted] NMLS# [redacted]

[redacted] Collections Manager Greenville Heritage FCU [redacted] Greenville, SC 1/14/ Revdex.com Serving Upstate South Carolina North Church Street, Suite C Greenville, SC Dear Sir or Madam: We have received your consumer complaint dated 1/8/filed by [redacted] As the Collections Manager for Greenville Heritage FCU, I would like to address this matter There are certain privacy provisions that preclude the Credit Union from setting forth a complete recital of the facts outside the allegations contained in [redacted] complaintI would be happy to supplement our statement regarding the business relationship between [redacted] , and the Credit Union, once we obtain [redacted] ’ consent to do so if that becomes necessaryBecause of the deadlines imposed by the Revdex.com complaint process, I submit this letter but reserve the right to supplement the record as may be needed As indicated in [redacted] ’ complaint, In April her vehicle was repossessed due to a violation of her contract with the Credit UnionThe Credit Union allowed her to redeem her vehicle, brought it back to her, and allowed her a one-time due date advancement, due to circumstances that are protected by privacy provisions In her complaint, [redacted] also states that her vehicle was repossessed on January 6, which also is correctThis repossession also occurred because [redacted] once again was in default of the contract she entered into with the Credit UnionShe stated that she “received no warnings or letters”, notifying her that a repossession was about to occurFederally Chartered Credit unions in South Carolina are exempt from sending right to cure letters by the South Carolina Consumer Protection code, S.CCode Ann§37-1-202(10) In her complaint, [redacted] also claims that she was required to have a GPS tracking device put on her vehicle in order to redeem the repossessed collateralThis is not entirely correct, our current policy is that when a vehicle is repossessed, our member can either pay their loans off in their entirety, or choose to redeem the vehicle for less than payoff by allowing the Credit Union to install, at the members cost, a GPS tracking device This is what [redacted] chose to doThe GPS tracking device is installed by a third party vendor, and the Credit Union has limited control over when the device is installed From my understanding from the installer and repossession company, the device was installed on the morning of January, and [redacted] has now redeemed her vehicle If you have any questions, I am available to answer them if needed within our Privacy policies Sincerely, [redacted] Collections Manager Greenville Heritage FCU [redacted]

I have researched the situation surround Ms. [redacted]'s complaint.  I have also left messages for her to contact me directly, as requested.  I have not heard back from Ms. [redacted] as yet.  I will continue to try to make contact with her. Lisa B[redacted]Greenville Heritage...

FCUExecutive Vice PresidentNMLS#[redacted]Tel: (864) [redacted]greenvilleheritage.com

[redacted]
Collections Manager
Greenville Heritage FCU
[redacted]
Greenville, SC 29601
1/14/16
           
Revdex.com Serving Upstate South Carolina
408 North Church Street, Suite C
Greenville, SC 29601
Dear Sir or...

Madam:
We have received your consumer complaint dated 1/8/16 filed by [redacted]. As the Collections Manager for Greenville Heritage FCU, I would like to address this matter.
There are certain privacy provisions that preclude the Credit Union from setting forth a complete recital of the facts outside the allegations contained in [redacted] complaint. I would be happy to supplement our statement regarding the business relationship between [redacted], and the Credit Union, once we obtain [redacted]’ consent to do so if that becomes necessary. Because of the deadlines imposed by the Revdex.com complaint process, I submit this letter but reserve the right to supplement the record as may be needed.
As indicated in [redacted]’ complaint, In April 2015 her vehicle was repossessed due to a violation of her contract with the Credit Union. The Credit Union allowed her to redeem her vehicle, brought it back to her, and allowed her a one-time due date advancement, due to circumstances that are protected by privacy provisions.
In her complaint, [redacted] also states that her vehicle was repossessed on January 6, 2016 which also is correct. This repossession also occurred because [redacted] once again was in default of the contract she entered into with the Credit Union. She stated that she “received no warnings or letters”, notifying her that a repossession was about to occur. Federally Chartered Credit unions in South Carolina are exempt from sending right to cure letters by the South Carolina Consumer Protection code, S.C. Code Ann. §37-1-202(10).
In her complaint, [redacted] also claims that she was required to have a GPS tracking device put on her vehicle in order to redeem the repossessed collateral. This is not entirely correct, our current policy is that when a vehicle is repossessed, our member can either pay their loans off in their entirety, or choose to redeem the vehicle for less than payoff by allowing the Credit Union to install, at the members cost, a GPS tracking device.
This is what [redacted] chose to do. The GPS tracking device is installed by a third party vendor, and the Credit Union has limited control over when the device is installed.
From my understanding from the installer and repossession company, the device was installed on the morning of January, 11 2016 and [redacted] has now redeemed her vehicle.
If you have any questions, I am available to answer them if needed within our Privacy policies.
Sincerely,
[redacted]
Collections Manager
Greenville Heritage FCU
[redacted]

As discussed, I wanted to follow up with you regarding Ms. [redacted]’s complaint.  Initially I had left several messages for Ms. [redacted], but had not heard back from her.  After I submitted the initial response to you, Ms. [redacted] did return my call and we were able to resolve the issue.  I asked Ms. [redacted] to sign  a Stop Payment Form for the merchant who was drafting her account, and disputed the charges which had already been withdrawn.  She was given a provisional refund for those charges.  I  also refunded a number of fees which had accumulated as a result of the merchant drafting Ms. [redacted]’s account as well. I am confident that Ms. [redacted] will confirm the same. Sincerely, Lisa B[redacted]Executive Vice PresidentGreenville Heritage FCUT: (864) [redacted]F: (864)[redacted]NMLS# [redacted]