Dear [redacted] : Thank you for contacting the Revdex.com and VACUIn your letter dated Janurary 2014, you expressed concern about the reporting of a bankruptcy on your credit reportOur records indicate that the following events occurred: -In September 2010, an error occurred with an internal process when updating your address in our sstem and your account records were erroneously marked as being included in a bankruptcyThe bankruptcy status was removed from your account records and updated with the Credit Reporting Agencies on December 31, 2010, when we were originally made aware of this error -On September 18, 2013, we received a letter from you requesting that we research and update the inaccurate reporting of your loansWe reviewed the reporting and determined that all the information was reporting accurately with no bankruptcy indicators showing on your credit reportWe mailed you a letter confirming this information -On January 24, 2014, we received an electronic request from the Credit Reporting Agencies to research your credit dispute regarding the reporting of a Bankruptcy on your credit reportWe verified all information as reporting accurately with no bankruptcy indicators showing on your credit report -Upon receipt of this letter, we obtained a copy of your report from each of the credit reporting agencies and verified that your loan accounts are not reporting as bankrupt We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union’s pledge to provide the highest level of serviceIf you have additional questions or find this information still reporting after today’s date, please contact our Resolution Department directly at [redacted] ex [redacted] and ask for a member of the Loan Team [redacted]
Virginia Credit Union is the most DECIEVING financial intity I have ever delt withThey took out a judgement on me without even giving me a subpoena, and charged me court costsIn addition they have an amount they have "decided" to charge me and on top of that charging interest 13.99% APR until paid in fullBefore that they sent me to some collections agency that you could never get anybodyAll of that after banking with them for several yearsThanks for continued torture Virginia Credit Union
Dear [redacted] ***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit UnionIn your letter dated March 12, 2014, you expressed concern about auto loan and the payment arrangements made through our Collections DepartmentWe have researched your accounts and determined the following events occurred: In January 2014, you contacted our Collections Department after receiving letter(s) and phone calls regarding the delinquency of your auto loanWe explained that you were days past due, which resulted in collection activity In addition, you advised that you had been in the hospital and now living with your daughterWe offered you an alternative to make three (3) consecutive payments from January to bring the account up to date under our re-age programYou accepted this option, and explained that you would ask your daughter to help you with your obligations during the re-age period On January 8, 2014, we received your first payment of $ [redacted] under your re-age agreement The second payment due on February 25, for $ [redacted] was not received until March 4, Since we did not receive the second payment on time, the re-age agreement was canceled As of March 18, you auto loan is still past duePlease contact our Collections Department for further assistance AS a credit union member, you are eligible to receive assistance with your personal finances free of charge through Virginia Credit Union's partnership wit [redacted] , a personal financial educator [redacted] counselors are available Monday through Thursday from 8am until 11pm, on Friday 8am until 8pm and on Saturday 11am until 8pmYou may reach them at [redacted] for assistanceThey can provide you counseling services on how to manage and get out of debt We regret that you continue to have financial difficultiesPlease accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expectedWe try to help our members become financially secure and it is our goal to deliver the highest level of service possibleIf you have any further questions, please contact our Collections Department for assistance Sincerely, [redacted] Vice President
Dear [redacted] ***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter dated September 30,2014, you expressed concern regarding an Estate Account you recently openedPlease allow us to offer our sincere condolences on the loss on your loved oneWe have researched your accounts and determined the following events occurred: On September 19, 2014, you opened an Estate Account for [redacted] *** On September ,2014, we reviewed the paperworkWe reached out to the Clerk of Court on two different occasions and were advised that "and" meant we needed two signatures On September 30, 2014, you talked with [redacted] She contacted you because [redacted] was not available and we did not want to keep you waiting for a responseDuring the call with [redacted] , you recommended that VACU talk with [redacted] regarding the Executor paperwork at the Clerk of the CourtWe contacted him and he advised us that the clerk of court should not have answered those types of questions and that the Executor status depending on the wording of the will On October 2, 2014, [redacted] contacted you requesting a copy of the will for reviewUpon receipt of the will we forwarded it to our attorney On October 7, 2014, our attorney advised us that "and" means both Executors are required to act together [redacted] contacted you with this information and requested that you sign an identity agreement agreeing to hold Virginia Credit Union harmless by allowing you to act individuallyYou agreed you and your co-executor would sign the agreement [redacted] emailed the document to you and you advised that you would return the form by the end of the week On behalf of the credit union, please accept our sincere apologizes for the confusion during this processWe are sorry if at any time you felt the credit union did not make every effort to assist you as you expectedThank you for reconsidering your decision to close your accountsWe are so pleased we were able to resolve your concerns to your satisfactionSince we reached a resolution, would it be fair to as if you would consider removing your review from [redacted] It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleThank you again for taking time to make sure we are providing you with the service you deserve as a memberIf you have questions, please do not hesitate to contact us Sincerely, [redacted] Vice President
Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [They refuse to apply my Febpayment correctly, and now my vehicle is up for repossessionThey say I didn't make my Feb payment when they have already received it weeks ago.] Regards, [redacted] ***
Dear [redacted] ,Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter received November 24, 2015, you expressed concern regarding the automatic transfer program on your loan and overdraft fees.On June 20, 2015, you processed a manual payment through online banking.On November 6, 2015, and no November 20, 2015, the automatic transfer program pulled payments to bring the loan currentUnfortunately the automatic transfer program does not recognize manual payments and therefore continues to run until it satisfied each monthly payment transfer.On November 23, 2015, you contacted us about the extra loan payment that we deductedWe agreed to reverse one of the payments and waived the $ feeWe also agreed to waive one of the $overdraft fees that was caused when your transfer program pulled payments to bring itself current.I understand [redacted] from our Resolution department tried contacting you to let you know she agreed to waived an additional $overdraft fee on your account.It is Virginia Credit Union’s pledge to exceed our members’ expectations and delivered the highest level of service possibleThank you for providing us feedback regarding your experienceWe take all our member’s suggestions seriously and will continue to look for ways to improveWe regret this experienced was not as you expected and we hope our explanation has given you a better understanding of the events that occurredIf we can be of further assistance please call us at the numbers listed above.Sincerely, [redacted] ***
Please accept this letter in response to an inquiry you made
to the Revdex.com (Revdex.com)In your letter you expressed concern
regarding our verification process and your fraud claimAfter further
research, we have concluded the following: * On October 23, through November 2,
2016, several
transactions were authorized and paid on your debit cardYou advised that the
following amounts were not authorized purchases; $25.22, $26.43, $
$$5.38, and $* On Thursday, November 17, 2016, your wife called posing as
you to obtain the status of your account and confirm that you did not make the
transactions listed aboveAt that time we advised that you needed to visit one
of our branch locations to verify your identityThis is a security measure to
ensure that your account is protectedWe cannot divulge any information to a
non-account holder due to the privacy policy outlined in your membership rules
and regulations.* On November 17, 2016, you visited one of our branch
locations to confirm your identity and you also spoke with Ferren in our Fraud
Risk Management Department.* During the conversation with Ferren, you stated that you
had your wife cell on your behalf to obtain account information regarding the
fraud claimYou also communicated that your cousin had access to your debit
card to make purchases; however, this did not Include those transactions listed
above Ferren indicated she would start the process for your fraud claim* On November 23, 2016, you spoke with Nicole, in our Member
Service Operations and Support Department and she explained our verification process
and stated that your fraud claim was approvedHowever, you must submit a
signed Acknowledgement of Debt Card Fraud claim form before we can process the
refunds to your accountShe offered you the option to fax the document to
process your claim quicklySubsequently, you indicated that you did not have a
fax but would visit our Downtown branch by Monday, November 28, to complete
the fraud claim form* On November 28, 2016, you visited the branch lo complete
the required document and we have issued a provisional credit in the amount of
*** * It is essential that you complete and sign an
additional form, Claim of Fraud and Forgery, in order to finalize your claim
and retain permanent credit for the disputed amountsPlease allow 7-days to
receive the documentUpon completion, please promptly return the form to us
We hope this explains the order of events that occurredIt is Virginia Credit
Union's goal to provide the highest level or service Please accept our
apologies if at any time you felt the credit union did not assist you as you
expectedIf you have additional questions, please contact us at the numbers
listed above
Dear Ms***: Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com) dated July 19, 2016_ In your letter you expressed concern regarding
automatic payments drafting to your auto loanAfter further research, we have concluded the following : The due date for your auto loan is the 2au of each monthYour automatic payment is setup from an external account to draft on 25m of each month. We see that you make payments through online bankingThe automatic payment program does not recognize these paymentsRegular and Principal payments made manually or online can be done at any time; however, it will not automatically advance the due date or stop the existing automatic payment. I understand you talked with Jean in our Resolution Department and she explained how the automatic transfer program worksAs a courtesy, she reversed the payment of $waived the $processing fee and placed the funds in your checking accountYour next payment is now due on August 28, We apologize for any inconvenience this may have caused. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleWe regret that this experience was not as you expectedThank you for taking the time to contact us with your feedbackPlease feel free to call on us if we can be of further assistance
After years of banking with one of the big banking institutions I switched jobs and discovered I qualified for the Virginia Credit unionIt's been fantastic ever sinceI'm no longer being bled dry by my bank for the "privilege" of letting them hold my moneyNor, am I being charge insane interest rates that make it nearly impossible to pay down my debt, all the while being hit with every flimsy excuse for a "fee" under the sun
VACU gave me a free checking and savings account (no monthly or any fees), they reimburse all my atm fees at the end of the month, they have a nice app that lets me deposit the few paper checks I get using my mobile phone, and they have a great customer service staff that is actually based in the state, and has not been outsources overseasThat's right… you heard me, my bank creates jobs IN MY AREA Yes they are small, but after banking with them for close to two years now I received excellent service and I have never had to set foot in a branchWhat little I can't do online, I can pick up the phone and within minutes be talking to a real person
Additionally they consolidated all of my high interest debt, for no fees, and gave me a fantastic introductory interest rate, with a long term interest rate that is still far and away more manageable than anything available from the big banks
This is the way banking should beI feel like these people are there to help me dig out of debtNot make it worse
I had a credit card with VA credit union which I paid monthly sometimes more than minimum payment Around 11/to 2/i was only able to make partial payments on my minimum payments but continued to pay monthly They took a judgement out on me as if I abandoned my payments and stopped paying bill After court I continued to make small payments I later closed my checking & savings with them and these ruthless CoFiled to garnish my checking account with my main bank My money is on hold and I am unable to access my funds You would think I never paid my bill the way they treat you They have a diagusting practice & should be ashamed of themselves Again I never stopped paying on my bill, all this occurred becuase for 3-months I only made partial payments Va credit union is down right EVIL
Dear Mr***: Please accept this letler in response to an inquiry you made to the Revdex.com (Revdex.comIn your letter you expressed concern regarding $in overdraft fees
assessed to your accountAfter further research, we have concluded the following: - On August 28, 2016, you authorized purchases from *** *** for $.18, *** *** *** for $and *** for $15.95. - On August 29, 2018, you authorized purchases for $from ** ***, $from ***and $from *** *** ***, while the transactions listed above were pending lo clearThis reduced your available balance lo $. - On August 30, 2016, the overdraft fees occurred when your authorized purchase from *** *** cleared for $instead of $In addition, you authorized a purchase to *** for $9.47, against an insufficient balance resulting in overdraft fees for each item presented. - On September 6, 2016, you spoke with Ashley in our Resolution Department and she waived $in overdraft fees. - On September 19, 2016, and after further review, we waived an additional $in overdraft fees as a courtesy, which totals $credited back to your account. - On October 22, 2013, our records indicate you chose to ofor Regulation E, which means that you want us to pay items that you have authorized even if you do not have the funds available, and that you are willing to pay the fees associaled with this serviceYou may opt-out of this service by contacting us at the numbers listed above. Below are some proven strategies to help prevent overdrafts to your checking account. -Review your available balance to confirm that you have sufficient funds in your accountPending items appear on your Online Banking under the checking account summary lab at the top of the page and are reflected in your available balance; however you will still need to monitor the account to ensure your transactions have actually cleared. -It is also important that you do not write checks or authorize ACH (automated clearing house) items until you have verified that there are sufficient funds in the account. -You may wish lo consider setting up a balance alert in your online banking to notify you immediately when your accounts fall below a certain amountThis will allow you to make the necessary adjustments to your account and avoid these fees in the future. We regret that your experience was not as you expected and sincerely hope we have provided a satisfactory explanation to youIf you have additional questions please conlact us at the numbers listed above
Dear ** ***:
Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com)In your letter you expressed concern regarding our credit card conversation from *** to *** and the impact that had on your payments.
In
February of we emailed you information advising you of the upcoming change and that you needed to update your bill pay service with the new account number
In March of we issued your new ***The information included with the card advised you to change any bill pay information previously setup to reflect the new account numberWe also mailed a separate letter in March of advising you of the change in account number and requested that you make payments to the new account number
Your statement reflects all payments received (or not received)Your August statement shows a late charge because we have not received your August paymentAs of today, we still have not received a payment for August or SeptemberPlease review the account where you payments are sent from to ensure you have updated your records with the new credit card numberWe are sorry that we cannot refund any late charges or interest to this accountPlease remit your payment(s) as soon as possible to avoid service interruptions to your card
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleWe regret that this experience was not as you expected and we hope our explanation has given you a better understanding of the events that occurredIf we can be further assistance please call us at the numbers listed above
Sincerely,
*** ***
Vice President
Member Services
Dear Mr***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter dated June
29, 2015, you expressed concern regarding debit transactions posting before deposits. All deposits are subject to delayed availability, including mobile depositsThe following appears onscreen when you make the mobile deposit: Passed Image Messaging: Your check has been received and is PENDING APPROVAL. It may take up to BUSINESS DAY to reflect in your account. Please retain the check for days or until the deposit appears on your monthly statement. Depositors also receive an email notifying them we accept checks PENDING approval and those deposrts may not be available for immediate withdrawalThe following applies to our mobile deposits: • Checks received after 9am on business days are processed after 3pm. • Checks received after 3pm are processed after 9am the following business day. • VACU does not process checks on weekends or holidays. To ensure drafts/debits process without issue, funds should be available prior to initiating a purchase to avoid overdraft feesIn addition, funds need to be available one day prior to posting for any transactions that are recurring. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed above. Sincerely,*** *** Vice President Client Member Services
The Virginia Credit Union lacks professionalismI've been a loyal member to them for six years going on seven next month, and I've found that they are nice when everything is going smoothOnce you hit rock bottom or experience income troubles, they are quick to hit you with everything (interest, legal actions, tons of late fees, etc) They claim that they value you as a customer, but they really only value your money, and if you don't have that they will bleed you dryWhen I started having financial troubles, I tried working with them, they wouldn't accept anything less than full paymentsAfter a few months of making partial payments they started harassing me through phones, emails, and letters telling me pay them the full payment or they would take me to courtAfter I received my tax return, I started making full payments, and low and behold, today I receive a court notice informing me that they are taking me to court for the entire loan amountOnce I've finished paying them off I'm closing my accounts and banking with someone elseThis is not a place you want to trust your money with!
Dear Ms***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated July 21, 2016, you expressed concern regarding overdraft
fees on your account and because your savings accounts.which serves as overdraft protection did not transfer funds to cover your purchases. Unfortunately, there are transaction limitations on Savings accounts referred to as Regulation D as outlined in our Account Agreements under the Truth in Savings section which states transactions are limited to no more than six withdrawals or transfers, or combination thereof, per calendar morith to another credit union account of yours or to a third party by means of a preauthorized, automatic transfer or telephone or electronic order, such as for overdraft protection, or by online banking or QuiklineOnce these limitations are reached, we may refuse or reverse additional transfers of these types. We also place reminders on your monthly statements informing you for each savings account, certain types of transfers and withdrawals are limited to a total of per monthLimited items include transfers for checking overdrafts and transfers made online. On July , 2016, I understand Jean in our Resolution Department spoke with you regarding this matter and was able to explain the transaction limitations and why you incurred the feesAs a courtesy, she refunded one $overdraft fee. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredWe are sorry to hear that you have closed your accountsIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed above
Please accept this letter in response to an inquiry you made to the Revdex.com(Revdex.com). In your letter you expressed concern regarding a tax refund check you deposited to youraccount.On March 15, 2016, you deposited a check for $402.53 into your VACU savings account viaATM....
We reviewed the deposit and removed it from your account the same day. The adjustmentwas made because you are the only authorized signer on the savings account and the checkwas made payable to [redacted]On March 16, 2016, you spoke with representatives in our Member Services and ATMdepartments. The representatives advised you of the reason for the return and the options forresolving the issue. The calls disconnected before a resolution could be reached. The ATMDepartment supervisor left a message the same day but was not able to speak with you. OnMarch 22, 2016, we retrieved the check from the ATM and mailed it to your address listed in ourrecords.Instruments deposited into a checking or savings account must be negotiated/ endorsedproperly. If an item is made payable with "&" or "and," all parties must either be authorizedsigners on the account or all parties must endorse the item in person with a Branch Teller. Allparties must present an unexpired state or federal issued identification when negotiating/endorsing the check in person . Following these steps could significantly reduce the impact onthe availability of funds.It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highestlevel of service possible. Please accept our apologies if at any time you felt the credit union didnot make every effort to assist you as you expected. If we can be of further assistance pleasecontact us at the numbers listed above.
Dear Ms. [redacted]:Please accept this latter in response to an inquiry you made to the Revdex.com (Revdex.com). In your letter you expressed concern regarding your mortgage application process. After further research we have concluded the following:* On October 4, 2016, our Mortgage...
Department received your application for a refinance on a mortgage loan, for the property at [redacted] Subsequently, during this process, a title search was performed, and our Mortgage Department discovered that the deed did not meet the appropriate requirements. The property was conveyed in your name, under your authority as Attorney in Fact for the previous owner.* Ultimately, this is not a valid conveyance and we are not able to insure a deed of trust, until the owner has en acceptable and clear title to the property. In order for us to perfect our lien against the collateral property, a new deed to the owner is required; however, this causes more legal fees in addition to the refinance closing costs.* During the final stages of the application process, it was determined we could not move forward with the mortgage loan because of your debt-to-income ratio.I understand you spoke with Felicia H[redacted] in our Mortgage Department and she was able to suggest another alternative. She recommended adding your husband to the application, which is now in processing. I am pleased to hear that you have a scheduled appointment with Felicia on November 21, 2016 at 11 :00 am.We hope this has explained the order of events that have occurred. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. Please accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expected. If we can be of further assistance please contact us at the numbers listed above.
Virginia Credit Union is the most DECIEVING financial intity I have ever delt with. They took out a judgement on me without even giving me a subpoena, and charged me court costs. In addition they have an amount they have "decided" to charge me and on top of that charging interest 13.99% APR until paid in full. Before that they sent me to some collections agency that you could never get anybody. All of that after banking with them for several years. Thanks for continued torture Virginia Credit Union.
Dear [redacted]:
Thank you for contacting the Revdex.com and VACU. In your letter
dated Janurary 27. 2014, you expressed concern about the reporting of a
bankruptcy on your credit report. Our records indicate that the following
events occurred:
-In...
September 2010, an error occurred with an internal
process when updating your address in our sstem and your account records were
erroneously marked as being included in a bankruptcy. The bankruptcy status was
removed from your account records and updated with the Credit Reporting
Agencies on December 31, 2010, when we were originally made aware of this
error.
-On September 18, 2013, we received a letter from you
requesting that we research and update the inaccurate reporting of your loans. We
reviewed the reporting and determined that all the information was reporting
accurately with no bankruptcy indicators showing on your credit report. We mailed
you a letter confirming this information.
-On January 24, 2014, we received an electronic request from
the Credit Reporting Agencies to research your credit dispute regarding the
reporting of a Bankruptcy on your credit report. We verified all information as
reporting accurately with no bankruptcy indicators showing on your credit
report.
-Upon receipt of this letter, we obtained a copy of your
report from each of the credit reporting agencies and verified that your loan
accounts are not reporting as bankrupt.
We regret that your experience was not as you expected and
sincerely hope this has helped to explain the events that occurred. It is Virginia
Credit Union’s pledge to provide the highest level of service. If you have
additional questions or find this information still reporting after today’s
date, please contact our Resolution Department directly at [redacted] ex
[redacted] and ask for a member of the Loan Team.
[redacted]
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated September 30,2014, you expressed concern regarding an Estate Account you recently opened. Please allow us to offer our sincere condolences on the loss on...
your loved one. We have researched your accounts and determined the following events occurred:
On September 19, 2014, you opened an Estate Account for [redacted].
On September 24 ,2014, we reviewed the paperwork. We reached out to the Clerk of Court on two different occasions and were advised that "and" meant we needed two signatures.
On September 30, 2014, you talked with [redacted]. She contacted you because [redacted] was not available and we did not want to keep you waiting for a response. During the call with [redacted], you recommended that VACU talk with [redacted] regarding the Executor paperwork at the Clerk of the Court. We contacted him and he advised us that the clerk of court should not have answered those types of questions and that the Executor status depending on the wording of the will.
On October 2, 2014, [redacted] contacted you requesting a copy of the will for review. Upon receipt of the will we forwarded it to our attorney.
On October 7, 2014, our attorney advised us that "and" means both Executors are required to act together. [redacted] contacted you with this information and requested that you sign an identity agreement agreeing to hold Virginia Credit Union harmless by allowing you to act individually. You agreed you and your co-executor would sign the agreement. [redacted] emailed the document to you and you advised that you would return the form by the end of the week.
On behalf of the credit union, please accept our sincere apologizes for the confusion during this process. We are sorry if at any time you felt the credit union did not make every effort to assist you as you expected. Thank you for reconsidering your decision to close your accounts. We are so pleased we were able to resolve your concerns to your satisfaction. Since we reached a resolution, would it be fair to as if you would consider removing your review from [redacted].
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. Thank you again for taking time to make sure we are providing you with the service you deserve as a member. If you have questions, please do not hesitate to contact us.
Sincerely,
[redacted]
Vice President
Dear [redacted] : Thank you for contacting the Revdex.com and VACUIn your letter dated Janurary 2014, you expressed concern about the reporting of a bankruptcy on your credit reportOur records indicate that the following events occurred: -In September 2010, an error occurred with an internal process when updating your address in our sstem and your account records were erroneously marked as being included in a bankruptcyThe bankruptcy status was removed from your account records and updated with the Credit Reporting Agencies on December 31, 2010, when we were originally made aware of this error -On September 18, 2013, we received a letter from you requesting that we research and update the inaccurate reporting of your loansWe reviewed the reporting and determined that all the information was reporting accurately with no bankruptcy indicators showing on your credit reportWe mailed you a letter confirming this information -On January 24, 2014, we received an electronic request from the Credit Reporting Agencies to research your credit dispute regarding the reporting of a Bankruptcy on your credit reportWe verified all information as reporting accurately with no bankruptcy indicators showing on your credit report -Upon receipt of this letter, we obtained a copy of your report from each of the credit reporting agencies and verified that your loan accounts are not reporting as bankrupt We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union’s pledge to provide the highest level of serviceIf you have additional questions or find this information still reporting after today’s date, please contact our Resolution Department directly at [redacted] ex [redacted] and ask for a member of the Loan Team [redacted]
Virginia Credit Union is the most DECIEVING financial intity I have ever delt withThey took out a judgement on me without even giving me a subpoena, and charged me court costsIn addition they have an amount they have "decided" to charge me and on top of that charging interest 13.99% APR until paid in fullBefore that they sent me to some collections agency that you could never get anybodyAll of that after banking with them for several yearsThanks for continued torture Virginia Credit Union
Dear [redacted] ***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit UnionIn your letter dated March 12, 2014, you expressed concern about auto loan and the payment arrangements made through our Collections DepartmentWe have researched your accounts and determined the following events occurred: In January 2014, you contacted our Collections Department after receiving letter(s) and phone calls regarding the delinquency of your auto loanWe explained that you were days past due, which resulted in collection activity In addition, you advised that you had been in the hospital and now living with your daughterWe offered you an alternative to make three (3) consecutive payments from January to bring the account up to date under our re-age programYou accepted this option, and explained that you would ask your daughter to help you with your obligations during the re-age period On January 8, 2014, we received your first payment of $ [redacted] under your re-age agreement The second payment due on February 25, for $ [redacted] was not received until March 4, Since we did not receive the second payment on time, the re-age agreement was canceled As of March 18, you auto loan is still past duePlease contact our Collections Department for further assistance AS a credit union member, you are eligible to receive assistance with your personal finances free of charge through Virginia Credit Union's partnership wit [redacted] , a personal financial educator [redacted] counselors are available Monday through Thursday from 8am until 11pm, on Friday 8am until 8pm and on Saturday 11am until 8pmYou may reach them at [redacted] for assistanceThey can provide you counseling services on how to manage and get out of debt We regret that you continue to have financial difficultiesPlease accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expectedWe try to help our members become financially secure and it is our goal to deliver the highest level of service possibleIf you have any further questions, please contact our Collections Department for assistance Sincerely, [redacted] Vice President
Dear [redacted] ***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter dated September 30,2014, you expressed concern regarding an Estate Account you recently openedPlease allow us to offer our sincere condolences on the loss on your loved oneWe have researched your accounts and determined the following events occurred: On September 19, 2014, you opened an Estate Account for [redacted] *** On September ,2014, we reviewed the paperworkWe reached out to the Clerk of Court on two different occasions and were advised that "and" meant we needed two signatures On September 30, 2014, you talked with [redacted] She contacted you because [redacted] was not available and we did not want to keep you waiting for a responseDuring the call with [redacted] , you recommended that VACU talk with [redacted] regarding the Executor paperwork at the Clerk of the CourtWe contacted him and he advised us that the clerk of court should not have answered those types of questions and that the Executor status depending on the wording of the will On October 2, 2014, [redacted] contacted you requesting a copy of the will for reviewUpon receipt of the will we forwarded it to our attorney On October 7, 2014, our attorney advised us that "and" means both Executors are required to act together [redacted] contacted you with this information and requested that you sign an identity agreement agreeing to hold Virginia Credit Union harmless by allowing you to act individuallyYou agreed you and your co-executor would sign the agreement [redacted] emailed the document to you and you advised that you would return the form by the end of the week On behalf of the credit union, please accept our sincere apologizes for the confusion during this processWe are sorry if at any time you felt the credit union did not make every effort to assist you as you expectedThank you for reconsidering your decision to close your accountsWe are so pleased we were able to resolve your concerns to your satisfactionSince we reached a resolution, would it be fair to as if you would consider removing your review from [redacted] It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleThank you again for taking time to make sure we are providing you with the service you deserve as a memberIf you have questions, please do not hesitate to contact us Sincerely, [redacted] Vice President
Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [They refuse to apply my Febpayment correctly, and now my vehicle is up for repossessionThey say I didn't make my Feb payment when they have already received it weeks ago.] Regards, [redacted] ***
Dear [redacted] ,Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter received November 24, 2015, you expressed concern regarding the automatic transfer program on your loan and overdraft fees.On June 20, 2015, you processed a manual payment through online banking.On November 6, 2015, and no November 20, 2015, the automatic transfer program pulled payments to bring the loan currentUnfortunately the automatic transfer program does not recognize manual payments and therefore continues to run until it satisfied each monthly payment transfer.On November 23, 2015, you contacted us about the extra loan payment that we deductedWe agreed to reverse one of the payments and waived the $ feeWe also agreed to waive one of the $overdraft fees that was caused when your transfer program pulled payments to bring itself current.I understand [redacted] from our Resolution department tried contacting you to let you know she agreed to waived an additional $overdraft fee on your account.It is Virginia Credit Union’s pledge to exceed our members’ expectations and delivered the highest level of service possibleThank you for providing us feedback regarding your experienceWe take all our member’s suggestions seriously and will continue to look for ways to improveWe regret this experienced was not as you expected and we hope our explanation has given you a better understanding of the events that occurredIf we can be of further assistance please call us at the numbers listed above.Sincerely, [redacted] ***
Please accept this letter in response to an inquiry you made
to the Revdex.com (Revdex.com)In your letter you expressed concern
regarding our verification process and your fraud claimAfter further
research, we have concluded the following: * On October 23, through November 2,
2016, several
transactions were authorized and paid on your debit cardYou advised that the
following amounts were not authorized purchases; $25.22, $26.43, $
$$5.38, and $* On Thursday, November 17, 2016, your wife called posing as
you to obtain the status of your account and confirm that you did not make the
transactions listed aboveAt that time we advised that you needed to visit one
of our branch locations to verify your identityThis is a security measure to
ensure that your account is protectedWe cannot divulge any information to a
non-account holder due to the privacy policy outlined in your membership rules
and regulations.* On November 17, 2016, you visited one of our branch
locations to confirm your identity and you also spoke with Ferren in our Fraud
Risk Management Department.* During the conversation with Ferren, you stated that you
had your wife cell on your behalf to obtain account information regarding the
fraud claimYou also communicated that your cousin had access to your debit
card to make purchases; however, this did not Include those transactions listed
above Ferren indicated she would start the process for your fraud claim* On November 23, 2016, you spoke with Nicole, in our Member
Service Operations and Support Department and she explained our verification process
and stated that your fraud claim was approvedHowever, you must submit a
signed Acknowledgement of Debt Card Fraud claim form before we can process the
refunds to your accountShe offered you the option to fax the document to
process your claim quicklySubsequently, you indicated that you did not have a
fax but would visit our Downtown branch by Monday, November 28, to complete
the fraud claim form* On November 28, 2016, you visited the branch lo complete
the required document and we have issued a provisional credit in the amount of
*** * It is essential that you complete and sign an
additional form, Claim of Fraud and Forgery, in order to finalize your claim
and retain permanent credit for the disputed amountsPlease allow 7-days to
receive the documentUpon completion, please promptly return the form to us
We hope this explains the order of events that occurredIt is Virginia Credit
Union's goal to provide the highest level or service Please accept our
apologies if at any time you felt the credit union did not assist you as you
expectedIf you have additional questions, please contact us at the numbers
listed above
Dear Ms***: Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com) dated July 19, 2016_ In your letter you expressed concern regarding
automatic payments drafting to your auto loanAfter further research, we have concluded the following : The due date for your auto loan is the 2au of each monthYour automatic payment is setup from an external account to draft on 25m of each month. We see that you make payments through online bankingThe automatic payment program does not recognize these paymentsRegular and Principal payments made manually or online can be done at any time; however, it will not automatically advance the due date or stop the existing automatic payment. I understand you talked with Jean in our Resolution Department and she explained how the automatic transfer program worksAs a courtesy, she reversed the payment of $waived the $processing fee and placed the funds in your checking accountYour next payment is now due on August 28, We apologize for any inconvenience this may have caused. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleWe regret that this experience was not as you expectedThank you for taking the time to contact us with your feedbackPlease feel free to call on us if we can be of further assistance
After years of banking with one of the big banking institutions I switched jobs and discovered I qualified for the Virginia Credit unionIt's been fantastic ever sinceI'm no longer being bled dry by my bank for the "privilege" of letting them hold my moneyNor, am I being charge insane interest rates that make it nearly impossible to pay down my debt, all the while being hit with every flimsy excuse for a "fee" under the sun
VACU gave me a free checking and savings account (no monthly or any fees), they reimburse all my atm fees at the end of the month, they have a nice app that lets me deposit the few paper checks I get using my mobile phone, and they have a great customer service staff that is actually based in the state, and has not been outsources overseasThat's right… you heard me, my bank creates jobs IN MY AREA Yes they are small, but after banking with them for close to two years now I received excellent service and I have never had to set foot in a branchWhat little I can't do online, I can pick up the phone and within minutes be talking to a real person
Additionally they consolidated all of my high interest debt, for no fees, and gave me a fantastic introductory interest rate, with a long term interest rate that is still far and away more manageable than anything available from the big banks
This is the way banking should beI feel like these people are there to help me dig out of debtNot make it worse
I had a credit card with VA credit union which I paid monthly sometimes more than minimum payment Around 11/to 2/i was only able to make partial payments on my minimum payments but continued to pay monthly They took a judgement out on me as if I abandoned my payments and stopped paying bill After court I continued to make small payments I later closed my checking & savings with them and these ruthless CoFiled to garnish my checking account with my main bank My money is on hold and I am unable to access my funds You would think I never paid my bill the way they treat you They have a diagusting practice & should be ashamed of themselves Again I never stopped paying on my bill, all this occurred becuase for 3-months I only made partial payments Va credit union is down right EVIL
Dear Mr***: Please accept this letler in response to an inquiry you made to the Revdex.com (Revdex.comIn your letter you expressed concern regarding $in overdraft fees
assessed to your accountAfter further research, we have concluded the following: - On August 28, 2016, you authorized purchases from *** *** for $.18, *** *** *** for $and *** for $15.95. - On August 29, 2018, you authorized purchases for $from ** ***, $from ***and $from *** *** ***, while the transactions listed above were pending lo clearThis reduced your available balance lo $. - On August 30, 2016, the overdraft fees occurred when your authorized purchase from *** *** cleared for $instead of $In addition, you authorized a purchase to *** for $9.47, against an insufficient balance resulting in overdraft fees for each item presented. - On September 6, 2016, you spoke with Ashley in our Resolution Department and she waived $in overdraft fees. - On September 19, 2016, and after further review, we waived an additional $in overdraft fees as a courtesy, which totals $credited back to your account. - On October 22, 2013, our records indicate you chose to ofor Regulation E, which means that you want us to pay items that you have authorized even if you do not have the funds available, and that you are willing to pay the fees associaled with this serviceYou may opt-out of this service by contacting us at the numbers listed above. Below are some proven strategies to help prevent overdrafts to your checking account. -Review your available balance to confirm that you have sufficient funds in your accountPending items appear on your Online Banking under the checking account summary lab at the top of the page and are reflected in your available balance; however you will still need to monitor the account to ensure your transactions have actually cleared. -It is also important that you do not write checks or authorize ACH (automated clearing house) items until you have verified that there are sufficient funds in the account. -You may wish lo consider setting up a balance alert in your online banking to notify you immediately when your accounts fall below a certain amountThis will allow you to make the necessary adjustments to your account and avoid these fees in the future. We regret that your experience was not as you expected and sincerely hope we have provided a satisfactory explanation to youIf you have additional questions please conlact us at the numbers listed above
Dear ** ***:
Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com)In your letter you expressed concern regarding our credit card conversation from *** to *** and the impact that had on your payments.
In
February of we emailed you information advising you of the upcoming change and that you needed to update your bill pay service with the new account number
In March of we issued your new ***The information included with the card advised you to change any bill pay information previously setup to reflect the new account numberWe also mailed a separate letter in March of advising you of the change in account number and requested that you make payments to the new account number
Your statement reflects all payments received (or not received)Your August statement shows a late charge because we have not received your August paymentAs of today, we still have not received a payment for August or SeptemberPlease review the account where you payments are sent from to ensure you have updated your records with the new credit card numberWe are sorry that we cannot refund any late charges or interest to this accountPlease remit your payment(s) as soon as possible to avoid service interruptions to your card
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleWe regret that this experience was not as you expected and we hope our explanation has given you a better understanding of the events that occurredIf we can be further assistance please call us at the numbers listed above
Sincerely,
*** ***
Vice President
Member Services
Dear Mr***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter dated June
29, 2015, you expressed concern regarding debit transactions posting before deposits. All deposits are subject to delayed availability, including mobile depositsThe following appears onscreen when you make the mobile deposit: Passed Image Messaging: Your check has been received and is PENDING APPROVAL. It may take up to BUSINESS DAY to reflect in your account. Please retain the check for days or until the deposit appears on your monthly statement. Depositors also receive an email notifying them we accept checks PENDING approval and those deposrts may not be available for immediate withdrawalThe following applies to our mobile deposits: • Checks received after 9am on business days are processed after 3pm. • Checks received after 3pm are processed after 9am the following business day. • VACU does not process checks on weekends or holidays. To ensure drafts/debits process without issue, funds should be available prior to initiating a purchase to avoid overdraft feesIn addition, funds need to be available one day prior to posting for any transactions that are recurring. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed above. Sincerely,*** *** Vice President Client Member Services
The Virginia Credit Union lacks professionalismI've been a loyal member to them for six years going on seven next month, and I've found that they are nice when everything is going smoothOnce you hit rock bottom or experience income troubles, they are quick to hit you with everything (interest, legal actions, tons of late fees, etc) They claim that they value you as a customer, but they really only value your money, and if you don't have that they will bleed you dryWhen I started having financial troubles, I tried working with them, they wouldn't accept anything less than full paymentsAfter a few months of making partial payments they started harassing me through phones, emails, and letters telling me pay them the full payment or they would take me to courtAfter I received my tax return, I started making full payments, and low and behold, today I receive a court notice informing me that they are taking me to court for the entire loan amountOnce I've finished paying them off I'm closing my accounts and banking with someone elseThis is not a place you want to trust your money with!
Dear Ms***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated July 21, 2016, you expressed concern regarding overdraft
fees on your account and because your savings accounts.which serves as overdraft protection did not transfer funds to cover your purchases. Unfortunately, there are transaction limitations on Savings accounts referred to as Regulation D as outlined in our Account Agreements under the Truth in Savings section which states transactions are limited to no more than six withdrawals or transfers, or combination thereof, per calendar morith to another credit union account of yours or to a third party by means of a preauthorized, automatic transfer or telephone or electronic order, such as for overdraft protection, or by online banking or QuiklineOnce these limitations are reached, we may refuse or reverse additional transfers of these types. We also place reminders on your monthly statements informing you for each savings account, certain types of transfers and withdrawals are limited to a total of per monthLimited items include transfers for checking overdrafts and transfers made online. On July , 2016, I understand Jean in our Resolution Department spoke with you regarding this matter and was able to explain the transaction limitations and why you incurred the feesAs a courtesy, she refunded one $overdraft fee. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredWe are sorry to hear that you have closed your accountsIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed above
Please accept this letter in response to an inquiry you made to the Revdex.com(Revdex.com). In your letter you expressed concern regarding a tax refund check you deposited to youraccount.On March 15, 2016, you deposited a check for $402.53 into your VACU savings account viaATM....
We reviewed the deposit and removed it from your account the same day. The adjustmentwas made because you are the only authorized signer on the savings account and the checkwas made payable to [redacted]On March 16, 2016, you spoke with representatives in our Member Services and ATMdepartments. The representatives advised you of the reason for the return and the options forresolving the issue. The calls disconnected before a resolution could be reached. The ATMDepartment supervisor left a message the same day but was not able to speak with you. OnMarch 22, 2016, we retrieved the check from the ATM and mailed it to your address listed in ourrecords.Instruments deposited into a checking or savings account must be negotiated/ endorsedproperly. If an item is made payable with "&" or "and," all parties must either be authorizedsigners on the account or all parties must endorse the item in person with a Branch Teller. Allparties must present an unexpired state or federal issued identification when negotiating/endorsing the check in person . Following these steps could significantly reduce the impact onthe availability of funds.It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highestlevel of service possible. Please accept our apologies if at any time you felt the credit union didnot make every effort to assist you as you expected. If we can be of further assistance pleasecontact us at the numbers listed above.
Dear Ms. [redacted]:Please accept this latter in response to an inquiry you made to the Revdex.com (Revdex.com). In your letter you expressed concern regarding your mortgage application process. After further research we have concluded the following:* On October 4, 2016, our Mortgage...
Department received your application for a refinance on a mortgage loan, for the property at [redacted] Subsequently, during this process, a title search was performed, and our Mortgage Department discovered that the deed did not meet the appropriate requirements. The property was conveyed in your name, under your authority as Attorney in Fact for the previous owner.* Ultimately, this is not a valid conveyance and we are not able to insure a deed of trust, until the owner has en acceptable and clear title to the property. In order for us to perfect our lien against the collateral property, a new deed to the owner is required; however, this causes more legal fees in addition to the refinance closing costs.* During the final stages of the application process, it was determined we could not move forward with the mortgage loan because of your debt-to-income ratio.I understand you spoke with Felicia H[redacted] in our Mortgage Department and she was able to suggest another alternative. She recommended adding your husband to the application, which is now in processing. I am pleased to hear that you have a scheduled appointment with Felicia on November 21, 2016 at 11 :00 am.We hope this has explained the order of events that have occurred. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. Please accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expected. If we can be of further assistance please contact us at the numbers listed above.
Virginia Credit Union is the most DECIEVING financial intity I have ever delt with. They took out a judgement on me without even giving me a subpoena, and charged me court costs. In addition they have an amount they have "decided" to charge me and on top of that charging interest 13.99% APR until paid in full. Before that they sent me to some collections agency that you could never get anybody. All of that after banking with them for several years. Thanks for continued torture Virginia Credit Union.
Dear [redacted]:
Thank you for contacting the Revdex.com and VACU. In your letter
dated Janurary 27. 2014, you expressed concern about the reporting of a
bankruptcy on your credit report. Our records indicate that the following
events occurred:
-In...
September 2010, an error occurred with an internal
process when updating your address in our sstem and your account records were
erroneously marked as being included in a bankruptcy. The bankruptcy status was
removed from your account records and updated with the Credit Reporting
Agencies on December 31, 2010, when we were originally made aware of this
error.
-On September 18, 2013, we received a letter from you
requesting that we research and update the inaccurate reporting of your loans. We
reviewed the reporting and determined that all the information was reporting
accurately with no bankruptcy indicators showing on your credit report. We mailed
you a letter confirming this information.
-On January 24, 2014, we received an electronic request from
the Credit Reporting Agencies to research your credit dispute regarding the
reporting of a Bankruptcy on your credit report. We verified all information as
reporting accurately with no bankruptcy indicators showing on your credit
report.
-Upon receipt of this letter, we obtained a copy of your
report from each of the credit reporting agencies and verified that your loan
accounts are not reporting as bankrupt.
We regret that your experience was not as you expected and
sincerely hope this has helped to explain the events that occurred. It is Virginia
Credit Union’s pledge to provide the highest level of service. If you have
additional questions or find this information still reporting after today’s
date, please contact our Resolution Department directly at [redacted] ex
[redacted] and ask for a member of the Loan Team.
[redacted]
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated September 30,2014, you expressed concern regarding an Estate Account you recently opened. Please allow us to offer our sincere condolences on the loss on...
your loved one. We have researched your accounts and determined the following events occurred:
On September 19, 2014, you opened an Estate Account for [redacted].
On September 24 ,2014, we reviewed the paperwork. We reached out to the Clerk of Court on two different occasions and were advised that "and" meant we needed two signatures.
On September 30, 2014, you talked with [redacted]. She contacted you because [redacted] was not available and we did not want to keep you waiting for a response. During the call with [redacted], you recommended that VACU talk with [redacted] regarding the Executor paperwork at the Clerk of the Court. We contacted him and he advised us that the clerk of court should not have answered those types of questions and that the Executor status depending on the wording of the will.
On October 2, 2014, [redacted] contacted you requesting a copy of the will for review. Upon receipt of the will we forwarded it to our attorney.
On October 7, 2014, our attorney advised us that "and" means both Executors are required to act together. [redacted] contacted you with this information and requested that you sign an identity agreement agreeing to hold Virginia Credit Union harmless by allowing you to act individually. You agreed you and your co-executor would sign the agreement. [redacted] emailed the document to you and you advised that you would return the form by the end of the week.
On behalf of the credit union, please accept our sincere apologizes for the confusion during this process. We are sorry if at any time you felt the credit union did not make every effort to assist you as you expected. Thank you for reconsidering your decision to close your accounts. We are so pleased we were able to resolve your concerns to your satisfaction. Since we reached a resolution, would it be fair to as if you would consider removing your review from [redacted].
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. Thank you again for taking time to make sure we are providing you with the service you deserve as a member. If you have questions, please do not hesitate to contact us.
Sincerely,
[redacted]
Vice President