Thank you for the opportunity to respond to the complaint that was filed with your organization by our Member, Ms [redacted] , on December 3, Ms [redacted] has previously filed multiple complaints about the same issue with our Supervisory Committee, which is comprised of volunteer Members of our credit unions who advocate on behalf of Members in the rare instances in which there areunresolved issues or disputes.The Supervisory Committee has responded to Ms [redacted] in writing on August 24, 2012, August 30, 2012,September 5,2012,and July 7,The Committee has been consistent in its communication with Ms [redacted] In summary, Ms [redacted] obtained a home equity line of credit ("HELOC") with Hawaii State FCU in Four years later she requested subordination of her HELOC to a new refinance with another bankAt that time we re-evaluated her financial situation, as we do with all of our members who request subordination, and noticed a substantial deterioration in her overall financial situation In such a case, under the terms of our HELOC agreement, we have the right to freeze the line of credit for further draws, which we didThe remaining balance may be repaid over the remaining term of approximately more years.Ms [redacted] is correct in that we initially denied her request to subordinate to the other bank's refinanceHowever within 11days we reversed that decision and consented to the subordination in our letterdated August 24, At that time Ms [redacted] decided not to pursue her refinance transactionShe subsequently completed her refinance in September 2013, at which time we subordinated.Ms [redacted] also filed a complaint with our federal regulator,the National Credit Union Association, Office of Consumer Protection, which specified in its response dated October 14, (enclosed) that Hawaii State FCU "did not violate a federal consumer protection law or regulation" and noted that "we are closing our file on this caseHawaii State FCU has acted within our legal rights and the terms of the HELOC Agreement in evaluation of Ms [redacted] 's line of credit and our decision to freeze this line of credit for further advancesMs [redacted] was treated the same as any other Member with a similar situation who requests subordination of a HELOC
I had a car loan with Hawaii state federal credit unionI had gotten into a car accident and my car insurance paid them offI even received a statement saying that my car account is closed and the woman I spoke to even confirmed thatI think her name was JulieBut today I got a credit karma alert saying that my credit score droppedGuess what?? Even though my car payment was paid off, they continued withdrawing funds from a bank I no longer deal with so I have no money in the bankI called the bank that Hawaii state was taking money out of and they informed me I owe roughly $800!!! All from Hawaii state taking out funds, maxing out my checking account, therefore incurring fees!!! I want them to return the fees to the bank they took it out from!! I dnt want them returning the money to my account with them because I plan on closing my accountDo NOt deal with this bankThey even spoke w geico about getting the check for the car so I assume they got it!!!
Thank you for the opportunity to respond to the complaint that was filed with your organization by our Member, Ms [redacted] , on December 3, Ms [redacted] has previously filed multiple complaints about the same issue with our Supervisory Committee, which is comprised of volunteer Members of our credit unions who advocate on behalf of Members in the rare instances in which there areunresolved issues or disputes.The Supervisory Committee has responded to Ms [redacted] in writing on August 24, 2012, August 30, 2012,September 5,2012,and July 7,The Committee has been consistent in its communication with Ms [redacted] In summary, Ms [redacted] obtained a home equity line of credit ("HELOC") with Hawaii State FCU in Four years later she requested subordination of her HELOC to a new refinance with another bankAt that time we re-evaluated her financial situation, as we do with all of our members who request subordination, and noticed a substantial deterioration in her overall financial situation In such a case, under the terms of our HELOC agreement, we have the right to freeze the line of credit for further draws, which we didThe remaining balance may be repaid over the remaining term of approximately more years.Ms [redacted] is correct in that we initially denied her request to subordinate to the other bank's refinanceHowever within 11days we reversed that decision and consented to the subordination in our letterdated August 24, At that time Ms [redacted] decided not to pursue her refinance transactionShe subsequently completed her refinance in September 2013, at which time we subordinated.Ms [redacted] also filed a complaint with our federal regulator,the National Credit Union Association, Office of Consumer Protection, which specified in its response dated October 14, (enclosed) that Hawaii State FCU "did not violate a federal consumer protection law or regulation" and noted that "we are closing our file on this caseHawaii State FCU has acted within our legal rights and the terms of the HELOC Agreement in evaluation of Ms [redacted] 's line of credit and our decision to freeze this line of credit for further advancesMs [redacted] was treated the same as any other Member with a similar situation who requests subordination of a HELOC
I had a car loan with Hawaii state federal credit unionI had gotten into a car accident and my car insurance paid them offI even received a statement saying that my car account is closed and the woman I spoke to even confirmed thatI think her name was JulieBut today I got a credit karma alert saying that my credit score droppedGuess what?? Even though my car payment was paid off, they continued withdrawing funds from a bank I no longer deal with so I have no money in the bankI called the bank that Hawaii state was taking money out of and they informed me I owe roughly $800!!! All from Hawaii state taking out funds, maxing out my checking account, therefore incurring fees!!! I want them to return the fees to the bank they took it out from!! I dnt want them returning the money to my account with them because I plan on closing my accountDo NOt deal with this bankThey even spoke w geico about getting the check for the car so I assume they got it!!!