Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated August 11, 2014, you expressed concern regarding payments you made to your credit card. We have researched your accounts and determined the following events...
occurred:
We mailed you a letter in March 2014 advising you of the change in account number and to request that you make payments to the new account number.
Your statements show the payments we have received (or not received). Your April 2014, May 2014, June 2014 and July 2014 statements all show a late charge, which would indicate to you that the account is behind. If there is a discrepancy on your statement, you should notify us immediately so that we can look into the issue and make the necessary corrections.
We located the payments made in April, May and July sent via your mobile banking from [redacted]. Your payments are arriving with no account information listed and no instructions of where to place the funds. When this happens the funds are automatically placed in the member's saving account. Please ensure when transmitting payments to your VACU credit card that it is clearly marked to guarantee timely receipt of your payments. There was no payment received for June 2014.
As a courtesy, we refunded four late charges totaling $130. This includes the June late charge for which a payment was not received. Your August 2014 statement will show these refunds.
We have corrected your credit card account to accurately report and have notified the appropriate agencies. The response time for the Credit Reporting Agencies to update your file is approximately 45 days.
If there is an individual reporting agency that is still not reporting this information correctly after 45 days, you may submit a dispute directly with them. Once we receive the dispute from the Credit Reporting Agency, we will verify and resubmit the correct loan information.
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. We regret that this experience was not as you expected and we hope our explanation has given you a better understanding of the events that occurred. If we can be of further assistance please call us at the numbers listed above.
Sincerely,
[redacted]
Executive Vice President
Member Services
Dear Ms . [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 a fee on your loan. Sandy in our Resolution Department has tried reaching you by phone regarding this matter, but was not able to reach you. We have reviewed your account and are providing the following information: )> On April 21 , 2015, we posted your loan payment incorrectly causing a fee to assess to your account. )> On June 19, 2015, you brought the error to our attention and we corrected It on June 22, 2015 and waived the late charge that caused the error. Please accept our sincerest apologies for not being able to explain the fee when you initially contacted us and that no one called you to inform you we had made the correction to your loan. 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. Again, 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. [redacted] Executive Vice President Member Services
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 current. Unfortunately 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 deducted. We agreed to reverse one of the payments and waived the $50
fee. We also agreed to waive one of the $35 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 $35 overdraft
fee on your account.It is Virginia Credit Union’s pledge to exceed our members’ expectations
and delivered the highest level of service possible. Thank you for providing us
feedback regarding your experience. We take all our member’s suggestions
seriously and will continue to look for ways to improve. We regret this experienced was not as you expected and we
hope our explanation has given you a better understanding of the events that
occurred. If we can be of further assistance please call us at the numbers
listed above.Sincerely,[redacted]
Revdex.com:
I have reviewed the offer and/or response 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.
Virginia Credit Union appraiser came in at 5:35, stayed for
about 15 minutes. During that time he just walked in the first floor, did not
observe anything, did not even notice any of the cabinets we added in the utility room. Never took a
note. When he walked up to the second
floor he did not measure the rooms. This is obvious in his report that does not
include all the appliances and he considers as generic all the upgrades.
My home is compared to homes that have not direct access to
the main highways as my home has. Also, the location is not comparable as well.
The comparison is done by using old
statistics none of them are recent. During
the last 3 months April to mid June, in the exact opposite side of [redacted], homes
were sold with same footage, hardwood
floors with lots of . 25 of an for an average of $290,000 - $300,000. The
appraiser did not even take one of them under consideration. Virginia Credit Union’s agent used as a comparison
a home located in about 6 miles (direct distance) north of my home in a rural
area. In order to access it one needs to drive 8-10 miles from my home,
depending the route one drives. I am including a picture of the home that is
not comparable. The front of this house does not even have a second floor and ½
of the porch of my home. The private road leads to the unlit gravel main road.
The only road that is paved is a narrow rural road. The closest schools are 8 miles from the house. The
closest supermarket about 9 miles away and 10.4 miles to access to I-95 (15-18
min drive).
My home at Atlee is not comparable to the rural area in
Hanover. My plot of 2 acres is semirural with immediate access to [redacted]
and possibility to built on the lot. The
access to markets and major highways is not comparable. My house is .9 miles
from the best schools in Hanover County and 2 miles from either I-95, 295, 2
minutes to [redacted].
Comp No1. It is colonial, but has carpet all over the place
with .46 acre and $137 per foot
Comp No 2. It is colonial eleven years older, more than 1/2
of the house carpeted and with .25 acre.
Additionally, the majority of the data he is using is for short
sales and foreclosures. Even one of the 3 comparisons is a previously foreclosed
home.
Also, an 2.3 acres plot next to mine was assessed for
$115,000 in 2015.
Items missed (not inclusive) with cost
1.
Cedar siding non simple wood 50% more expensive
than wood
2.
Double pane wood windows
3.
Panel siding in the living room
4.
1/2 around porch with new railing - $2,ooo
5.
New 2050
sf brick paved driveway with 6
parking spaces added value of $ 10,000
6.
2 zone air-conditioning $5,000
7.
Detached garden patio
8.
Storage Shed $500
9.
Cabinet Doors and Drawer Fronts Solid Oak with
new pull drawers. Corian marble and butcher block countertops (18 feet long),
composite granite sink. $ 4.000
10.
Microwave $350
11.
** Dishwasher
$900
12.
All upscale ** appliances + $3000 than the average
13.
Custom tile floor kitchen floor $2,000, and
refinished hardwood floor
14.
New patio sliding door $ 600
15.
Updated bathrooms with high end [redacted] toilets,
soaking bathtubs and porcelain vanities $ 5,000
16.
New tile floors in bathrooms /replaced linoleum
floors $ 4,000
17.
Master bedroom suite with soaking jetted bathtub
and granite top vanity, new tile surround
18.
Updated utility room with added 56 inch long
storage cabinets (wall+base) $ 1,000
Comp 3 –Front no second floor windows and
obvious structure
[redacted], two story
traditional colonial with half wraparound covered porch
Brick paved driveway
and 6 car parking [redacted].
Regards,
[redacted]
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated August 20, 2014, you expressed concern regarding deposit holds on your account.
On August 7, 2014, you deposited a check for $2,500.00. On...
August 12, 2014, the check was returned leaving your account overdrawn by $548.98. Subsequently, you deposited another check for $2,500.00 and Virginia Credit Union placed a hold on these funds. If for any reason, we believe a deposit may be returned we can place those funds on hold until the funds clear the paying institution.
On August 18, 2014, your direct deposit of $2014.26 was credited to your account giving you an available balance of $1556.28. We do not place holds on direct deposit.
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. We regret that this experience was not as you expected and we hope our explanation has given you a better understanding of the events that occurred. If we can be of further assistance please call us at the numbers listed above.
Sincerely,
[redacted]
Executive Vice President
Member Services
Dear Ms. [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 an appraisal completed...
for your home as a part of your mortgage refinance process. We apologize that this appraisal did not meet your expectations. I understand that you spoke with your loan officer, Tim Lamont, regarding the completed appraisal and expressed some concerns and inaccuracies contained on the report. We spoke with the appraiser and addressed these concerns. They made changes to the appraisal and mailed an updated one to your home address. We hope the updated appraisal addresses your concerns and inaccuracies originally stated in your complaint. Please continue to think of your Credit Union first for all of your financial needs. We look forward to helping you and your family to meet and exceed your financial goals. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. If we can be of further assistance please contact us at the numbers listed above. Tim K[redacted] Vice President Member Services
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union. In your letter dated March 12, 2014, you expressed concern about auto loan and the payment arrangements made through our Collections Department. We 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 loan. We explained that you were 96 days past due, which resulted in collection activity.
In addition, you advised that you had been in the hospital and now living with your daughter. We offered you an alternative to make three (3) consecutive payments from January to bring the account up to date under our re-age program. You 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, 2014 for $[redacted] was not received until March 4, 2014. Since we did not receive the second payment on time, the re-age agreement was canceled.
As of March 18, 2014 you auto loan is still past due. Please 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 8pm. You may reach them at [redacted] for assistance. They can provide you counseling services on how to manage and get out of debt.
We regret that you continue to have financial difficulties. Please accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expected. We try to help our members become financially secure and it is our goal to deliver the highest level of service possible. If you have any further questions, please contact our Collections Department for assistance.
Sincerely,
[redacted]
Vice President
[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,
[redacted] Yes everything has been resolved
Thank you
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union. In your letter dated February 5,2014, you expressed concern regarding two months of automatic payments to your auto and personal loan that were not debited from your [redacted]...
[redacted] account. We have researched your accounts and determined the following events occurred:
On October 18, 2013, your savings account charged off because of a negative balance. On November 27, 2013, you visited our [redacted] branch and satisfied the charged- off account by paying the negative balance in full. In addition, you made your November 2013 payments on both loans.
During this time, your credit card also charged off because of non payment. You paid that balance in full December 2013.
Due to the status of the charged off savings and credit card, your accounts were restricted and the automatic payment from your [redacted] account to your loans could not be processed.
This happens when: "any member who has for any reason caused VACU to suffer a loss on a loan, share account or otherwise, will be denied further use of VACU's services or products until the loss is fully recovered or until repayment arrangements are made that are satisfactory to VACU in its sole and absolute discretion" as stated in our Denial Service Policy.
We also mailed you payment reminders for the December 2013 and January 2014 payments for both loans.
On February 5, 2014, you returned a call to our Collections Department. They advised that our automatic payments were canceled because of the prior status of your charged off accounts. During the call, you requested assistance with both of your loan accounts because you were about to lose your job and could not afford the past due payments.
Our Collections Department offered you a re-age extension, which states that if you make three consecutive payments on both loans, you would qualify to have the past due payments added to the end of each loan balance. Please note: this offer is not interest free and the fees are nonrefundable. If you would like to begin the re-age extension process, please contact our Collections Department at your earliest convenience.
We are sorry that we cannot waive two months of payments to your loan. When you obtain loans from us you agree to make consecutive monthly payments until the loans are paid in full as outlined in your loan agreement. We 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, please contact us at the numbers listed above.
Sincerely,
[redacted]
Executive Vice President
Dear Ms. [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 overdraft fees assessed to your account. After further research, we have...
concluded the following: };, On December 19, 2016, you authorized an Internet purchase from [redacted] for $[redacted]. You al&o authorized [redacted] for $[redacted]. Both of these purchases were submitted by the merchant as recurring transactions. What this means is, overdrafts on debit card transactions that you have authorized for recurring payments may continue to be approved at our discretion and overdraft fees assessed when you do not have sufficient funds available to cover the purchase. ~- Jn your.case, funds were available at the time of authorization; however, funds were not available when the purchases cleared your account because other items were pending reducing your available balance to cover the transaction. ).;- On December 20, 2016, your starting current balance was $** and your available balance was $[redacted] The purchase for $[redacted] from [redacted] posted first against that available balance of [redacted] causing your available balance to be negative. An exlended overdraft fee of $** was assessed to your account for this purchase. Then the purchase from [redacted] for $[redacted] cleared and subsequently causing another $** overdraft fee overdrawing your acoounl by $·[redacted] . }- On December 23, 2016, we provided one courtesy refund of $**. Our records indicate that you have been a member with Virginia Credit Union since January 29, 2016. From that time, we have waived overdraft fees in May, July and December of 2016 as a courtesy. Ultimately, your request for us to refund any additional overdraf1 fees has been denied. 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 account. Pending items appear on your Online Banking under the checking account summary tab at the top of the page and are reflected in your available balance; however you will still need to monitor the account lo ensure your transactions have aclually 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 to consider setting up a balance alert in your online banking to notify you immediately when your accounts fall below a certain amount. This will allow you to make the necessary adjustments to your account and avoid these fees in the future. We regret thal your experience was not as you expected and sincerely hope we have provided a satisfactory explanation to you. If you have additional questions please contact us at lhe numbers listed above. ~;:~~ttr Member Services Cc: Revdex.com Complaint [redacted]
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 Feb. payment correctly, and now my vehicle is up for repossession. They say I didn't make my Feb payment when they have already received it weeks ago.]
Regards,
[redacted]
Revdex.com:
I have reviewed the offer and/or response 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.That is a lie. The representative was very rude and tried to be funny and waive the lowest fee which was 20 or 25. Additionally it was not at the bottom of any statement that this applies to overdraft protection and still untrue considering the branch representative did 2 additional transfers to close out the account. How is it my overdraft protection didn't move money but a branch representative could? I assume you all violate the law considering the fact you all are stating I was already at my limit.
Regards,
[redacted]
Dear [redacted]:
Please accept this letter in response to an inquiry you made to the State Corporation Commission, Bureau of Financial Institutions (BFI) and the Revdex.com dated August 4, 2014. In your letters you expressed concern regarding [redacted] reporting. After...
further research, we are offering the following explanation.
When a member requests to open a checking or savings account we inquire with [redacted] to obtain information about how a member handles their accounts with other financial institutions before granting a new account. The information returned to us from [redacted] indicated you did not meet specific criteria for obtaining a checking account with Virginia Credit Union. We mailed you a letter advising that the denial was due to information obtained form [redacted]. In that letter, it provides you with a score and the reasons supporting that score. Virginia Credit Union simply transfers the data from their system to a letter. We do not abbreviate the reasons, what you see comes directly from [redacted].
There are several items that may factor in or affect your score:
How you handle your accounts (i.e. number of overdrafts)
Length of time an account is open
Time at address
Time at employer
Number of inquires with [redacted]
Please note: we do not obtain a credit report when a member applies for a checking or savings account.
We regret that your experience was not as you expected and sincerely hope that occurred. 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 you have additional questions, please contact us at the numbers listed above.
Sincerely,
[redacted]
President/CEO
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.
I would like an apology letter written from both parties I spoke to for their unprofessionalism. Further, my direct deposit was held and funds not available. My direct deposit was not released until I called the VA Credit Union.
Regards,
[redacted]
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated August 11, 2014, you expressed concern regarding payments you made to your credit card. We have researched your accounts and determined the following events...
occurred:
We mailed you a letter in March 2014 advising you of the change in account number and to request that you make payments to the new account number.
Your statements show the payments we have received (or not received). Your April 2014, May 2014, June 2014 and July 2014 statements all show a late charge, which would indicate to you that the account is behind. If there is a discrepancy on your statement, you should notify us immediately so that we can look into the issue and make the necessary corrections.
We located the payments made in April, May and July sent via your mobile banking from [redacted]. Your payments are arriving with no account information listed and no instructions of where to place the funds. When this happens the funds are automatically placed in the member's saving account. Please ensure when transmitting payments to your VACU credit card that it is clearly marked to guarantee timely receipt of your payments. There was no payment received for June 2014.
As a courtesy, we refunded four late charges totaling $130. This includes the June late charge for which a payment was not received. Your August 2014 statement will show these refunds.
We have corrected your credit card account to accurately report and have notified the appropriate agencies. The response time for the Credit Reporting Agencies to update your file is approximately 45 days.
If there is an individual reporting agency that is still not reporting this information correctly after 45 days, you may submit a dispute directly with them. Once we receive the dispute from the Credit Reporting Agency, we will verify and resubmit the correct loan information.
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. We regret that this experience was not as you expected and we hope our explanation has given you a better understanding of the events that occurred. If we can be of further assistance please call us at the numbers listed above.
Sincerely,
[redacted]
Executive Vice President
Member Services
Dear Ms . [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 a fee on your loan. Sandy in our Resolution Department has tried reaching you by phone regarding this matter, but was not able to reach you. We have reviewed your account and are providing the following information: )> On April 21 , 2015, we posted your loan payment incorrectly causing a fee to assess to your account. )> On June 19, 2015, you brought the error to our attention and we corrected It on June 22, 2015 and waived the late charge that caused the error. Please accept our sincerest apologies for not being able to explain the fee when you initially contacted us and that no one called you to inform you we had made the correction to your loan. 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. Again, 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. [redacted] Executive Vice President Member Services
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 current. Unfortunately 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 deducted. We agreed to reverse one of the payments and waived the $50
fee. We also agreed to waive one of the $35 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 $35 overdraft
fee on your account.It is Virginia Credit Union’s pledge to exceed our members’ expectations
and delivered the highest level of service possible. Thank you for providing us
feedback regarding your experience. We take all our member’s suggestions
seriously and will continue to look for ways to improve. We regret this experienced was not as you expected and we
hope our explanation has given you a better understanding of the events that
occurred. If we can be of further assistance please call us at the numbers
listed above.Sincerely,[redacted]
Revdex.com:
I have reviewed the offer and/or response 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.
Virginia Credit Union appraiser came in at 5:35, stayed for
about 15 minutes. During that time he just walked in the first floor, did not
observe anything, did not even notice any of the cabinets we added in the utility room. Never took a
note. When he walked up to the second
floor he did not measure the rooms. This is obvious in his report that does not
include all the appliances and he considers as generic all the upgrades.
My home is compared to homes that have not direct access to
the main highways as my home has. Also, the location is not comparable as well.
The comparison is done by using old
statistics none of them are recent. During
the last 3 months April to mid June, in the exact opposite side of [redacted], homes
were sold with same footage, hardwood
floors with lots of . 25 of an for an average of $290,000 - $300,000. The
appraiser did not even take one of them under consideration. Virginia Credit Union’s agent used as a comparison
a home located in about 6 miles (direct distance) north of my home in a rural
area. In order to access it one needs to drive 8-10 miles from my home,
depending the route one drives. I am including a picture of the home that is
not comparable. The front of this house does not even have a second floor and ½
of the porch of my home. The private road leads to the unlit gravel main road.
The only road that is paved is a narrow rural road. The closest schools are 8 miles from the house. The
closest supermarket about 9 miles away and 10.4 miles to access to I-95 (15-18
min drive).
My home at Atlee is not comparable to the rural area in
Hanover. My plot of 2 acres is semirural with immediate access to [redacted]
and possibility to built on the lot. The
access to markets and major highways is not comparable. My house is .9 miles
from the best schools in Hanover County and 2 miles from either I-95, 295, 2
minutes to [redacted].
Comp No1. It is colonial, but has carpet all over the place
with .46 acre and $137 per foot
Comp No 2. It is colonial eleven years older, more than 1/2
of the house carpeted and with .25 acre.
Additionally, the majority of the data he is using is for short
sales and foreclosures. Even one of the 3 comparisons is a previously foreclosed
home.
Also, an 2.3 acres plot next to mine was assessed for
$115,000 in 2015.
Items missed (not inclusive) with cost
1.
Cedar siding non simple wood 50% more expensive
than wood
2.
Double pane wood windows
3.
Panel siding in the living room
4.
1/2 around porch with new railing - $2,ooo
5.
New 2050
sf brick paved driveway with 6
parking spaces added value of $ 10,000
6.
2 zone air-conditioning $5,000
7.
Detached garden patio
8.
Storage Shed $500
9.
Cabinet Doors and Drawer Fronts Solid Oak with
new pull drawers. Corian marble and butcher block countertops (18 feet long),
composite granite sink. $ 4.000
10.
Microwave $350
11.
** Dishwasher
$900
12.
All upscale ** appliances + $3000 than the average
13.
Custom tile floor kitchen floor $2,000, and
refinished hardwood floor
14.
New patio sliding door $ 600
15.
Updated bathrooms with high end [redacted] toilets,
soaking bathtubs and porcelain vanities $ 5,000
16.
New tile floors in bathrooms /replaced linoleum
floors $ 4,000
17.
Master bedroom suite with soaking jetted bathtub
and granite top vanity, new tile surround
18.
Updated utility room with added 56 inch long
storage cabinets (wall+base) $ 1,000
Comp 3 –Front no second floor windows and
obvious structure
[redacted], two story
traditional colonial with half wraparound covered porch
Brick paved driveway
and 6 car parking [redacted].
Regards,
[redacted]
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated August 20, 2014, you expressed concern regarding deposit holds on your account.
On August 7, 2014, you deposited a check for $2,500.00. On...
August 12, 2014, the check was returned leaving your account overdrawn by $548.98. Subsequently, you deposited another check for $2,500.00 and Virginia Credit Union placed a hold on these funds. If for any reason, we believe a deposit may be returned we can place those funds on hold until the funds clear the paying institution.
On August 18, 2014, your direct deposit of $2014.26 was credited to your account giving you an available balance of $1556.28. We do not place holds on direct deposit.
It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. We regret that this experience was not as you expected and we hope our explanation has given you a better understanding of the events that occurred. If we can be of further assistance please call us at the numbers listed above.
Sincerely,
[redacted]
Executive Vice President
Member Services
Dear Ms. [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 an appraisal completed...
for your home as a part of your mortgage refinance process. We apologize that this appraisal did not meet your expectations. I understand that you spoke with your loan officer, Tim Lamont, regarding the completed appraisal and expressed some concerns and inaccuracies contained on the report. We spoke with the appraiser and addressed these concerns. They made changes to the appraisal and mailed an updated one to your home address. We hope the updated appraisal addresses your concerns and inaccuracies originally stated in your complaint. Please continue to think of your Credit Union first for all of your financial needs. We look forward to helping you and your family to meet and exceed your financial goals. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. If we can be of further assistance please contact us at the numbers listed above. Tim K[redacted] Vice President Member Services
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union. In your letter dated March 12, 2014, you expressed concern about auto loan and the payment arrangements made through our Collections Department. We 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 loan. We explained that you were 96 days past due, which resulted in collection activity.
In addition, you advised that you had been in the hospital and now living with your daughter. We offered you an alternative to make three (3) consecutive payments from January to bring the account up to date under our re-age program. You 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, 2014 for $[redacted] was not received until March 4, 2014. Since we did not receive the second payment on time, the re-age agreement was canceled.
As of March 18, 2014 you auto loan is still past due. Please 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 8pm. You may reach them at [redacted] for assistance. They can provide you counseling services on how to manage and get out of debt.
We regret that you continue to have financial difficulties. Please accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expected. We try to help our members become financially secure and it is our goal to deliver the highest level of service possible. If you have any further questions, please contact our Collections Department for assistance.
Sincerely,
[redacted]
Vice President
[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,
[redacted] Yes everything has been resolved
Thank you
Dear [redacted]:
Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union. In your letter dated February 5,2014, you expressed concern regarding two months of automatic payments to your auto and personal loan that were not debited from your [redacted]...
[redacted] account. We have researched your accounts and determined the following events occurred:
On October 18, 2013, your savings account charged off because of a negative balance. On November 27, 2013, you visited our [redacted] branch and satisfied the charged- off account by paying the negative balance in full. In addition, you made your November 2013 payments on both loans.
During this time, your credit card also charged off because of non payment. You paid that balance in full December 2013.
Due to the status of the charged off savings and credit card, your accounts were restricted and the automatic payment from your [redacted] account to your loans could not be processed.
This happens when: "any member who has for any reason caused VACU to suffer a loss on a loan, share account or otherwise, will be denied further use of VACU's services or products until the loss is fully recovered or until repayment arrangements are made that are satisfactory to VACU in its sole and absolute discretion" as stated in our Denial Service Policy.
We also mailed you payment reminders for the December 2013 and January 2014 payments for both loans.
On February 5, 2014, you returned a call to our Collections Department. They advised that our automatic payments were canceled because of the prior status of your charged off accounts. During the call, you requested assistance with both of your loan accounts because you were about to lose your job and could not afford the past due payments.
Our Collections Department offered you a re-age extension, which states that if you make three consecutive payments on both loans, you would qualify to have the past due payments added to the end of each loan balance. Please note: this offer is not interest free and the fees are nonrefundable. If you would like to begin the re-age extension process, please contact our Collections Department at your earliest convenience.
We are sorry that we cannot waive two months of payments to your loan. When you obtain loans from us you agree to make consecutive monthly payments until the loans are paid in full as outlined in your loan agreement. We 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, please contact us at the numbers listed above.
Sincerely,
[redacted]
Executive Vice President
Dear Ms. [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 overdraft fees assessed to your account. After further research, we have...
concluded the following: };, On December 19, 2016, you authorized an Internet purchase from [redacted] for $[redacted]. You al&o authorized [redacted] for $[redacted]. Both of these purchases were submitted by the merchant as recurring transactions. What this means is, overdrafts on debit card transactions that you have authorized for recurring payments may continue to be approved at our discretion and overdraft fees assessed when you do not have sufficient funds available to cover the purchase. ~- Jn your.case, funds were available at the time of authorization; however, funds were not available when the purchases cleared your account because other items were pending reducing your available balance to cover the transaction. ).;- On December 20, 2016, your starting current balance was $** and your available balance was $[redacted] The purchase for $[redacted] from [redacted] posted first against that available balance of [redacted] causing your available balance to be negative. An exlended overdraft fee of $** was assessed to your account for this purchase. Then the purchase from [redacted] for $[redacted] cleared and subsequently causing another $** overdraft fee overdrawing your acoounl by $·[redacted] . }- On December 23, 2016, we provided one courtesy refund of $**. Our records indicate that you have been a member with Virginia Credit Union since January 29, 2016. From that time, we have waived overdraft fees in May, July and December of 2016 as a courtesy. Ultimately, your request for us to refund any additional overdraf1 fees has been denied. 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 account. Pending items appear on your Online Banking under the checking account summary tab at the top of the page and are reflected in your available balance; however you will still need to monitor the account lo ensure your transactions have aclually 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 to consider setting up a balance alert in your online banking to notify you immediately when your accounts fall below a certain amount. This will allow you to make the necessary adjustments to your account and avoid these fees in the future. We regret thal your experience was not as you expected and sincerely hope we have provided a satisfactory explanation to you. If you have additional questions please contact us at lhe numbers listed above. ~;:~~ttr Member Services Cc: Revdex.com Complaint [redacted]
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 Feb. payment correctly, and now my vehicle is up for repossession. They say I didn't make my Feb payment when they have already received it weeks ago.]
Regards,
[redacted]
Revdex.com:
I have reviewed the offer and/or response 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.That is a lie. The representative was very rude and tried to be funny and waive the lowest fee which was 20 or 25. Additionally it was not at the bottom of any statement that this applies to overdraft protection and still untrue considering the branch representative did 2 additional transfers to close out the account. How is it my overdraft protection didn't move money but a branch representative could? I assume you all violate the law considering the fact you all are stating I was already at my limit.
Regards,
[redacted]
Dear [redacted]:
Please accept this letter in response to an inquiry you made to the State Corporation Commission, Bureau of Financial Institutions (BFI) and the Revdex.com dated August 4, 2014. In your letters you expressed concern regarding [redacted] reporting. After...
further research, we are offering the following explanation.
When a member requests to open a checking or savings account we inquire with [redacted] to obtain information about how a member handles their accounts with other financial institutions before granting a new account. The information returned to us from [redacted] indicated you did not meet specific criteria for obtaining a checking account with Virginia Credit Union. We mailed you a letter advising that the denial was due to information obtained form [redacted]. In that letter, it provides you with a score and the reasons supporting that score. Virginia Credit Union simply transfers the data from their system to a letter. We do not abbreviate the reasons, what you see comes directly from [redacted].
There are several items that may factor in or affect your score:
How you handle your accounts (i.e. number of overdrafts)
Length of time an account is open
Time at address
Time at employer
Number of inquires with [redacted]
Please note: we do not obtain a credit report when a member applies for a checking or savings account.
We regret that your experience was not as you expected and sincerely hope that occurred. 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 you have additional questions, please contact us at the numbers listed above.
Sincerely,
[redacted]
President/CEO
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.
I would like an apology letter written from both parties I spoke to for their unprofessionalism. Further, my direct deposit was held and funds not available. My direct deposit was not released until I called the VA Credit Union.
Regards,
[redacted]