Kare, Inc.

August 25, 2015 *** ** ***
*** *** ***
*** ** *** Re: Compliant *** Dear Revdex.com: I am writing in response to complaint *** filed to the Revdex.com on August24, 2015. In the complaint Mrs*** did not understand the loan
denial for her Personal loanThe loan was denied basedon valid concern for high unsecured debtAfter looking at this loan request again, and taking into consideration the length ofmembership that *** has with the Credit Union, and that she has always paidwell to Summit Credit Union we have decided to grant this loan I have contacted *** to inform her of the loan decision Sincerely,
*** *** ** *** *** *** Summit Credit Union

At the beginning of the day 5/13/2017, your account had a balance of $Your available balance was $based on purchases you had made that had not yet posted to your account. You made three purchases and did not have available funds in your accountBecause you elected to have
overdraft coverage on your account, these purchases were paid and you were assessed a fee for each transactionI do see that you called and spoke to one of our representativesWe explained that when you make a purchase with your debit card, merchants don’t always post them to your account immediatelyThe funds are held until the purchase transaction is posted to your account The same situation occurred on your account on 5/19/Numerous transaction were made on the account that day, some posting immediately and others creating a hold until the purchase posts to the account. Our representative choose not to refund additional fees as the credit union did not make an error and we had recently refunded fees and explained this to you. When using your ledger to keep track of your balance, it is important to note each purchase as you make themThen you will have a better idea of what you actually have left to spendIn order to prevent additional situations like this which will cause more fees, I would be happy to remove your overdraft coverageWhen you make purchases in the future and funds are on hold for other purchases, the transaction will be declined and you will not be charged a feeIf you would like me to do that, please let me know As a courtesy to you I will refund one of the two fees charged to your account on the 19th. Please let me know if I can be of further assistance.

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.It appears everything has been correctedShe did not want to have the reinstatement date of the loans at the end of this monthNot clear why, but I just want this resolved; which basically it is now. Thank you for your assistance,*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
THIS WAS NEVER SATISFIED, THIS WAS NOT ANSWERED AS WAS IN HOSPITAL AND NOT RESOLVED I DO THINK YOU MISSED THE COMPLAINT HERE PAYMENTS ARE BEING HELD NOT CREIDTED TO MY ACOUNT TIMELYAND THE REPAIRS THE BANK INSISTED IN HANDLING ARE WRONG THE CAR IS TOTALLY NON DRIVABLE - SUMMIT IS WRONG assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** ***

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me Option one, would be the best adjustmentI'm reviewing my documents and I do show the unemployment during a period of timeI have attached the documentsWould this option be starting on what date? Also, I am not sure why I can transfer funds in the account, but unable to use my cards? Did this period of time affect my account when the accounts were not for the savings and checking were not negativeI have called and left a voicemailI will attempt to call tomorrow as well
Regards,
*** ***

***’s concern in the initial Revdex.com complaint was related to an insurance check that was sent from MetLife for an accident she incurred. As the lienholder of the vehicle, we assisted with the payment directly to the repair shop that *** chose in AZ. *** authorized the payment to the repair shop to *** ***, VP- Lending, Analytics & Credit Risk, on 2/22/2017. In addition, the overage funds from the insurance check were placed in ***’s savings account at her request. under these circumstances, our standard practice is to utilize any remaining funds to toward the principal balance on the outstanding loan, we're the lien holder on. Considering her situation, we'd decided against that in good faith In regards to the newly stated issues she is experiencing with the vehicle, as a result of the tire coming off the vehicle, that is between *** and the repair shop she chose. If/when *** submits an application for a new car, or additional repairs to the exhisting vehicle, we will review and decision an application, once submitted. To date, no application has been submitted. We're considering this our final response and the complaint closed

***, from our collections department, received a VM at at 4:21AM this morning from ***.Summit (***) is resending the required documents to pursue option #that we'd provided. We will send documents to both Mesa, AZ address and Wild Rose, WI address ( she will be back to this address around 10.29.16) in hopes she gets them Once returned and signed we will maintenance accordingly Thank you.

? ? February 22, ? Department of Financial Institutions State of Wisconsin Attn:? *** *** ? ReComplaint of *** *** #*** ? Dear Mr***, ? Thank you for bringing this matter to our attention*** first reached out to us related to
vehicle repairs and an injury that she suffered after an accident in late December on February 14th via an email to our Member Services area.? When I discussed her concerns with her she indicated she needs her vehicle repaired and wanted us to pay for the repairs.? In addition, she wanted us to pay for her rental car expense.? I explained our relationship as the lienholder and offered to help with the repair process and that she should work with the insurance company to resolve the rental car payments.? At that time she was undecided on the auto body shop she would be using for the repairs.? Our conversations continued and I urged her to locate a repair shop that would invoice for the work vs demanding payment up front as the shops she had spoken with had required so we could assure the repairs would be complete before paymentI explained this would be her best interest for payment to be made after the repairs.? At the same time we offered to issue a letter of guaranty to the repair shop if needed to support the repairs being completed.? ? *** chose Big O Tires to repair the vehicle.? They were able to invoice for the repairs and kept in contact as the repair was completed over the course of two days.? ? Summit received a claim check from MetLife in the amount of $as a payoff for the loan balance.? We discussed the balance due to Big O Tires and *** acknowledged the final invoice remittance in the amount of $3762.91.? We issued a check to Big O Tires and sent it overnight.? The remaining funds of $were placed into ***’s savings account so she could have access to the funds for medical bills or payment for the rental car as she sees fit.? This balance was meant to be paid against the outstanding loan balance, however, we felt that due to ***’s financial situation and her request to pay medical bills and the rental car payment, the funds would be best used as she had requested.? ? ? ? ? ? Please let us know if you need anything else regarding this matterIf not, we will consider this matter closed and resolved ? Thank you, *** *** VP Lending, Analytics & Credit Risk Summit Credit Union ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint.? For your reference, details of the offer I reviewed appear below.*** HAD NO BUSINESS IN ENTERING THE CAR REPAIR BUSINESS, I WAS TOLD BUT NEVER SHOWN BY QUALTIY AUTO OF ALBUQUERQUE NEW MEXICO THIS FRAME WAS DEEMED UNSAFE AFTER BAILEYS GOT DONE WIHT ITI TOLD PHIIPU OF BIG O'S NOT TO REPAIR THE CAR UNTIL I AND MY MOM AND MOM AS A PHYSICAL DAMAGE EXPERT FOR YEARS FOR AMERICAN FAMILY TOLD BIG O'S DO NOT REPAIR THE CAR UNTIL THEY SENT THE PHOTOS OF THE FRAME- THEY FAILED TO DO SO- THEY SENT *** PICUTURES OF THE PARTS THE REPAIRED IGNORED WHAT MOM & *** AGREED TOO- AND PAID THE CLAIM THE FRAME IS JUNK- LOOK AT THE PICTURES IT WAS NEVER REPAIABLE- *** DID NOT KNOW WHAT SHE WAS LOOKED AT, MOM WROTE HER- AND THE PIC'S DON'T LIE LOOK AT THE HOLES IN THE FRAM RAILS AND ROCKERS THERR IS NO STUCTURE LEFT OF THE INIGREITY OF THE *** OF THE FRAME- *** PUT ME IN A ROLLING DEALTH TRAP- IT IS UNSAFE MOM DROVE TO MEAND LOOKED AT THE CAR IS NOT SAFE- HOW DOES A BANKER BECOME A BODY REPAIR PERSON AND NOT KNOW WHAT THEY ARE LOOKING ATI HAD GAP INSURANCE AND ON THE LAST PAGE OF THE LOAN I HAVE A CLAUSE TO OBTAIL A NEW LOAN WITH OUT CREDIT CHECKS OR SO ONALL MY PAYMENTS ARE MADE A HEAD OF TIME THERE WAS NO EXCUSE OTHER THAN THE BANK DID NOT LISTEN TO THE SHOP OR MOMAND I AM NOW STUCK WITH A CAR OF JUNKI AM HIRING AN ATTORNEY AND TAKING THIS TO COURT AGAINST DON'S AND THE BANK- I AM STUCK WITH A LOAN ON A CAR AM DISABLED AND NO CAR TO GET TO DR'S FROM THIS BIG MISTAKE MAKE HERE BY ***DON'S AUTO FROM TOMAH HAS BEEN TURNED INTO THE WISCONSIN DEALERS LICENSE TO STOP HIM FROM SELLING CARSHE SOLD MOM THE SAME MESS HE DID TO ME- AND *** SHOULD HAVE WAITED TO LISTEN TO THE EXPERT MOM BEFORE REPAIRED THE CAR- SHE WOULD HAVE SEEN THERE IS FOR FRAMETHE CAR HAS STARTED ON FIRE TWICE NOWTHIS IS SO WORNG PATTY ***? .]
Regards,
*** ***

September 29,
*** J ***
Re: Complaint ***
Dear Ms***,
I am writing in response to complaint #*** filed to the Revdex.com on September 16, In the complaint, you raised concerns about not hearing back from Summit in a timely manner,
the additional coverage on your loans, and payment arrangements options
Unfortunately, in review of your situation and account status you did not elect Involuntary Unemployment on loan nor loan You elected Option 3; which covers Loss of Life, Disability, and Family Leave The separate contracts are attached for your review
In consideration of your situation, we have two options:
A reduction in payment via a Subsequent Action form to make concessions on rate/ term- $50.00/ month on L(currently $160) and $150/ month on L(currently $240)
A 2-month extension on each loan
Please contact *** ***, AVP-Collections, at ###-###-#### to inform of your selected option
Additionally, in response to your concern regarding our timeliness to respond, I apologize As a result of the member experience you’ve described, we’ve credited your account $for our delay in response time
Thank you for your membership
*** ***
VP-Sales Development
Summit Credit Union