Granite City Steel Credit Union

Initial Business Response / [redacted] (1000, 10, 2015/10/27) */ Mr [redacted] made a $2,payment on March 5, We applied his March payment to his loan the remaining amount went to the principle balance of his loan balancePer his loan contract which he signed he is required to make a loan payment every monthHe missed his April payment and August payment and at the time of repossession was days past dueHe received several late notices that were mailed to the address of record as well as dozens of phone callsWe even tried to contact the references he had given usHe failed to respond to any of these attempts to reach himThat is why his truck was repossessedMr [redacted] called in after his truck was picked up and spoke to [redacted] Wiblemo the Assistant Asset Recovery ManagerMr [redacted] explained that he thought his account was paid ahead so [redacted] agreed to waive the repossession fee of $and we also did not report the repossession on Mr [redacted] creditShe explained to him that he is required to make monthly payments on his loan he told her that he would just pay it offShe also asked why he never responded to any of our attempts to contact him and he said that he worked a lotWe made every effort to reach Mr [redacted] before we repossessed his truckIf he had just called us back this whole situation could have been avoidedThe last thing we ever want to do is to take someone's vehicleWhen you don't respond to any of our efforts we really don't have any other choice If he feels that his truck was damaged he needs to contact the repossession company [redacted] at XXX XXX XXXXThey would be responsible for any damages that might have occurred Thank you for letting me know of this complaint and if you need any additional information please contact me [redacted] Asset Recovery Manager GCS Credit Union XXX XXX XXXX x [redacted] @mygcscu.com

GCS is aware the member had concerns about the overdraft status of her account and of the way she perceived it to be handled by the credit union. The disputed fees have been refunded to the account and her concerns about the manager who had the in person contact with her father will be handled...

internally.

Initial Business Response /* (1000, 10, 2015/10/27) */
Mr. [redacted] made a $2,000 payment on March 5, 2015. We applied his March payment to his loan the remaining amount went to the principle balance of his loan balance. Per his loan contract which he signed he is required to make a loan payment...

every month. He missed his April payment and August payment and at the time of repossession was 63 days past due. He received several late notices that were mailed to the address of record as well as dozens of phone calls. We even tried to contact the 2 references he had given us. He failed to respond to any of these attempts to reach him. That is why his truck was repossessed. Mr. [redacted] called in after his truck was picked up and spoke to [redacted] Wiblemo the Assistant Asset Recovery Manager. Mr. [redacted] explained that he thought his account was paid ahead so [redacted] agreed to waive the repossession fee of $350 and we also did not report the repossession on Mr. [redacted] credit. She explained to him that he is required to make monthly payments on his loan he told her that he would just pay it off. She also asked why he never responded to any of our attempts to contact him and he said that he worked a lot. We made every effort to reach Mr. [redacted] before we repossessed his truck. If he had just called us back this whole situation could have been avoided. The last thing we ever want to do is to take someone's vehicle. When you don't respond to any of our efforts we really don't have any other choice.
If he feels that his truck was damaged he needs to contact the repossession company [redacted] at XXX XXX XXXX. They would be responsible for any damages that might have occurred.
Thank you for letting me know of this complaint and if you need any additional information please contact me.
[redacted]
Asset Recovery Manager
GCS Credit Union
XXX XXX XXXX x [redacted]@mygcscu.com