Heritage Community Credit Union

Review: On April 10, I received my printed paycheck from my job. I didn't really want to deposit my money at Heritage Community Credit Union in fear that I wouldn't have any money left once I deposit my check. I deposited 310.00 in my checking account. I had overdrawn in the past starting in November of 2014. I was not frivolous with my tranactions because I wanted to keep some money in my account. I made 5 purchases in with my debit card starting on april 10. On April 13, I checked my balance on heritage ccu automated response phone line and 200.00 of my money was gone. I paid [redacted] 41.00, bought 33.00 worth of purchases on ebay. Bought food at carls junior on saturday and sunday. Now I have no money in my checking. Last night I had 63.00 from a ebay sale in my savings and now it's gone. I have a medical condition that is very serious and I need medication. I can't get my medication because I have no money.Desired Settlement: The money transfers from [redacted]. I need documentation of the transactions made between April 10-13 2015

Business

Response:

Revdex.com3075 Beacon BlvdWest Sacramento, CA 95691RE: [redacted] ID# [redacted]Dear [redacted]:In response to the above referenced complaint, and based on the request of Ms. [redacted], we are enclosing the transaction history for both Ms. [redacted]'s Savings Account ([redacted]) and Ms. [redacted]'s Checking Account ([redacted]) from 4/1/15 through 4/14/15. In reviewing the savings account history, Ms. [redacted]'s account was charged numerous fees (3 X $35 or $105.00) for returned items via ACH resulting in a negative balance in savings of $-61.51. This negative balance was cleared with funds transferred from Ms. [redacted]'s checking account on 4/13/15.In reviewing the checking account history, Ms. [redacted]'s account was charged numerous fees (2 X $35 or $70.00) for overdraft. Additionally, a transfer of $72.40 was processed from the checking account to pay a past due loan on 4/13/15. As the transaction histories may be unfamiliar to Ms. [redacted], we encourage Ms. [redacted] to contact the Credit Union at [redacted] or visit one of our locations to review her account and discuss ways to avoid future charges.

Consumer

Response:

I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

Review: I'm currently in the process of repairing my credit. My car was repossesed in 2008. I was going through a hard time financially at the time. The car was auctioned off & they received almost the full price of the car. The additional debt was satisfied. Up until recently the car was still being reported as repossesion which it isn't & the debt has been satisfied. I have asked them to remove this from my credit report as the debt was satisfied. They refuse to do so. It is my understanding that it is illegal to report it on my credit if their is no debt to collect. Also they said they were unable to locate me,Which I find funny since they picked the car up from my address which they had in the middle of the night & I maintained the same address until 2010. So not only do they refuse to report correct information but they also lied on my credit report after everything was satisfied keeping it as a repossesion so they could continue it on my credit. Again, the debt is satisfied!!!!Desired Settlement: Remove all information pertaining to this account off my credit report, all 3 bureaus. There is nothing further to report so it is illegal for them to report this the way they are.

Business

Response:

Revdex.com 3705 Beacon BlvdWest Sacramento, CA 95691 RE: ID# [redacted] ATTN: Mr. [redacted] In reviewing our records of our member, Heritage Community Credit Union did repossess the member's vehicle. We sold the vehicle in May 2009 and applied the sale proceeds to the borrower's loan. The deficient balance remaining was charged off and the account was referred to an outside collection agency. The borrower made payments directly to the collection agency from 1/2011 through 7/2011 until the remaining balance was paid in full. In review of the borrower's credit report, the report indicated the payment status of this account as a (collacct) collection account. To prevent the report from reflecting an active collection account, we have updated the payment status to reflect (chargeoff) and the account condition as Paid.A letter will be sent to the borrower informing her of the updates to the credit bureaus, however it make take 30 to 60 days for the bureaus to update their records.The credit reporting agencies reflect account history for a period of seven years from the date the last payment is submitted; therefore, this account is not yet due to be removed. However, the account does accurately reflect that the payment status is no longer an active collection account and that the balance has been paid in full.