Kimmel Construction, Inc.

GCU has reviewed your complaint and conducted an investigation of the allegations thereinWe would like to take this opportunity to discuss our findings with you and, if possible, remedy the issues raised First, in your complaint you state “at first I was told I could defer the payment
but when I went to the office they said I couldn't.” Our records indicate that on 7/29/2017, we received a phone call from you in which GCU agreed to issue you a one-month deferment application if you brought loan no***6-current by the end of the day on either 7/31/or 8/1/Your loan was not current on or before 8/1/2017, and therefore no deferment application was sent to youAlthough you called on 7/31/to advise us that you would bring your loan current on 8/3/2017, and in fact brought the loan current on that date, none of our records indicate that there was any further discussion regarding a request for a deferment application If there was any miscommunication on our part in regards to whether we allow deferments, we sincerely apologizeGCU has been and currently accepts deferment applications for members struggling financiallyFurthermore, we would like to assist you with any hardship you may still be experiencingPlease contact us about a deferment should you still be interested Second, you complained that GCU would not remove the 30-day delinquency reported to the credit report for the 6/30/2017payment duePursuant to the Closed-End Note, Disclosure, Loan and Security Agreement you signed on 3/21/2015, you agreed to make monthly payments on or before the 30th of each month starting 4/30/and ending 3/30/Your transaction history indicates that you made the payment due 6/30/on 8/2/Based on this information, you were 30+ days delinquent and GCU reported a 30-day delinquency properly More importantly, it does not seem that you are disputing that you were days delinquent, but rather you are upset that GCU did not remove the negative reporting upon requestAs explained to you by one of our managers in 9/11/2017, if a payment is made late, even if by just one day after the day the 30-day mark, it is reported to the credit bureau as days late because it is GCU policy to keep accurate credit reporting I understand that you were told that “if I got reported I needed to dispute it and they would fix it.” To clarify, if you got reported incorrectly, you would need to dispute it and GCU would be more than willing to correct any legitimate reporting errorHowever, in this case, we were unable to identify any error made by GCU staff with regard to your account’s payment history that resulted in improper reporting to the credit bureauAgain, we apologize if there was any miscommunication as to whether or not we would report a 30-day delinquency, but GCU’s internal policy requires us to accurately report to credit bureaus We understand that you would like GCU to “take the days late off of my credit report.” Unfortunately, as stated earlier, it is GCU policy to report accurately and based on the complaint, it does not seem that you dispute that you were days late Alternatively, GCU would like to offer a different resolution to minimize any confusion or potential miscommunications moving forwardWe would like to assign your account to Jenny ***, GCU’s *** ***, for the next three monthsDuring that time, Jenny will be your point of contact and pay special attention to your questions and concernsIf you are interested in this resolution, please make sure you ask to speak with Jenny the next time you call In sum, we take your complaint seriously and value as a memberGCU is committed to making your member experience moving forward a positive one and resolve any outstanding issuesWe believe that clear communication and making payments on or before your contractual due date will solve the issues raised in your complaint

By applying for membership at Guardian Credit Union and signing the Account Agreement, this individual agreed to the terms and conditions of the account as described in the Membership and Account Agreement disclosure provided to him. That disclosure states under Section MEMBERSHIP ELIGIBILITY that “You authorize us to check your account, credit and employment history, and obtain reports from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request.” This is the authorization from the individual properly used to make a credit inquiry to Transunion. Since there is no dispute that the individual applied for membership and signed the Account Agreement, Guardian Credit Union is not willing to have Transunion remove a properly authorized credit inquiry

In response to the aforementioned complaint and after reviewing the accounts transaction history, it has been determined that there were unavailable funds at the time both the We Energies and the Credit One presented for payment. These payments were made on each of the merchant's websites and they...

do not hold on the members account until they are presented to the credit union via ACH and either clear the account or are returned for insufficient funds based on the available balance at that time.   On 12/5/16 an ACH attempted to clear the account in the amount of $182 for We Energies however there were numerous debit card transactions pending on the account and the funds for this payment were not available causing the item to be returned and a $35.00 fee was assessed. The same item attempted to clear a second time on 12/9/16 however the account was overdrawn $9.26 causing the item to be returned and another $35.00 fee was assessed.   On 12/19/16 the ACH for Credit One was presented to the account however the funds were unavailable and the payment was returned causing a third NSF fee of $35.00 to be charged.   This member of our credit union would have been notified from both merchants that they did not receive these payments and these funds were never sent to either merchant. If this individual would like copies of her transaction history to show all transactions posting to her account, we would be glad to provide her a copy of her statement that she would have received for the month of December. Due to this complaint not being a fault of the credit union and because the funds in the account were used by this individual for various debit card purchases and other ACH-related items, we are unwilling to refund any amounts back.

On 9/8/15, this individual applied for membership to open an account at our Oak Creek branch.  The member explained that he came to Guardian Credit Union because we offer a tuition discount for members going to school at Ottawa University.  The individual was approved for membership and...

to open his Savings account, with a $5 deposit.  He received a new membership packet when his account was opened which included our Membership and Account Agreement, fee schedule, and other disclosures (which are also located in branch or available upon request).  The member had no activity on his account for 12 months, therefore was charged a $5 inactive fee as disclosed in the fee schedule, which in turn brought his Savings account to $0 and closed it on 9/30/16. On 10/8/16 (1:00pm), the member contacted a Member Service Representative at one of our branches about his account and explained he was upset that his account was closed out.  He stated that he was not told about any fee associated with not using his account and wanted to reopen the account.  Our Member Service Representative explained that he would need to come into a location to open an account as a significant amount of time had passed since the last account was opened.  The member became extremely vulgar with our Member Service Representative and then hung up the phone. On 10/12/16, the member went to our Waukesha branch and applied to open a new account.  He was given or had access to all of the needed and required disclosures.  In the Membership and Account Agreement under “Section 1. Membership Eligibility,” it specifically states that we will obtain reports from third parties, including credit reporting agencies, to verify eligibility for the accounts and services requested.  That is the reason for the inquiry on his credit report. There were no questions asked by the member about this at the time either account was open and proper procedures were followed at both account openings.  Guardian Credit Union takes credit reporting very seriously and suggests to all members if they feel there is an error with their credit bureau that they contact Guardian Credit Union to dispute it.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11912071, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Molly M[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID 11766756, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
Antonio [redacted]  nothing was addressed to me, the store manager and the associiate who helped me did not do the job and did it pretty poorly. I was never notified, nor did I not give them permission to run my credit. transunion specifically stated that they must remove my hard inquiry from my credit, not TRANSUNION. simply put, fix it, or we will have a lawsuit.