Lake County Council on Aging

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because:When I signed a contract for the secured master in 2008, in did not state in my contract that American Hertiage Federal Cerdit Union would make drastic changes to my secured [redacted] that's being inconsiderate and biasI'm filing a complaint with the Pennsylvania Human Relations Commission Regards, [redacted] - [redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because: AMHFCU is cowarding behind a short sentence in one of their 10-disclosures that they have crammed into their application for membershipNow this may keep them from being sued but whether I am able to do so through Revdex.com or through other means I am going to bring through slight-of-hand tricks to the light and make sure that anyone I know and can reach know not to do business with a bank that gives credit unions a bad nameThis is a big bank practice that is underhanded and devious and has no place at the credit union tableI made no alleged statements in my initial complaintEvery detail was laid out exactly as they took place and yet instead of righting this wrong AMHFCU continues to hide behind their disclosures and even tell the Revdex.com what it won't doAll I can do is shake my head and make sure that the power of wo-mouth is felt, heard, and understoodHow dare you pull someone's credit report as if your account is more special or precious than any other institution that relies on ***SystemsYou ought to be ashamed of yourselves AMFCU Regards, [redacted]

From: Revdex.com of Metro Washington DCDate: Mon, Jun 20, at 9:AMSubject: Fwd: American heritage federal credit unionTo: [redacted] < [redacted] @myRevdex.com.org>---------- Forwarded message ----------From: [redacted] < [redacted] @ [redacted] .net>Date: Sun, Jun 19, at 9:AMSubject: American heritage federal credit unionTo: [email protected] email address is [redacted] @ [redacted] .net and my complaint has bee resolved [redacted] complaint number Thanks

April 7, 2016Dear [redacted] ***;American Heritage FCU would like to take this opportunity to reply to our member's assertions regarding our service as stated in his complaint.We disagree with [redacted] ***'s assertion stating that AMHFCU is not reporting accurate information to the credit bureau agenciesA review of the complaining member's records at AMHFCU indicates that [redacted] had originated an unsecured loan on June 30, and had since not pald as agreedAMHFCU had since charged off her debt and has transferred her debt to a third party agency for further recovery efforts,After reviewing the Credit information, AMHFCU is accurately stating that our debts have been "transferred to another lender" and that the third party agency is properly reflecting the accurate charged off debt owed to AMHFCU.Please feel free to contact me directly if you have need any additional information concerning the above reference Revdex.com complaint,Sincerely,Bryan L.VP of Consumer Lending

March 1, 2016Dear [redacted] ***:This is in response to the above captioned complaint dated February 24, in which MrPatrick Tucker indicated that he requested a refund of a charge of $made by [redacted] to his checking account and was denied[redacted] filed a debit card dispute with American Heritage FCU for this transactionWhen we investigated his dispute the merchant responded that the sale was a valid transactionWe advised [redacted] to contact the merchant directly to resolve the issue.Upon receipt of this claim, the case was reviewed again and additional documentation was provided at our request to our card dispute processorThis validated [redacted] 's statementThe previous decision was overturned and the member received credit todayWe have reached out to speak with [redacted] and make him aware of the new findingsAt this time, we are waiting on his return phone call.Please consider this matter closed.Clare P., AVP of Electronic Funds Services

Dear [redacted] ***:This is in response to the above captioned complaint dated December 28, in which [redacted] registered a complaint about courtesy pay on her account.Our records show that at the time [redacted] spoke to our representative as mentioned in her complaint, it is our understanding based on the conversation with [redacted] that she wished to retain (not remove) the service on her accountConsequently, [redacted] was charged a fee when the service was usedWe spoke to [redacted] and explained how the service works, she again reiterated her desire to maintain this service.Please consider this matter closed.Sincerely,Brian HSrVice President of Branch Operations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because:There website gives members a very little break down of there over draft policy as well as the members service it list nothing of what is included in this letter nor did there member service understand due to I spoke with them and they informed me my account was good Regards, [redacted]

December 21, 2016Dear *** ***,We are in receipt of your letter dated December 16, regarding *** ***Per my review of the file and conversation with ***, American Heritage FCU locked her interest rate of her mortgage loan at the interest rate that she desired.Please let me know
if you have any questions or if you require any additional information.Thank you, Patrick W

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Amfcu dors not have legality to report duplicate delinquencies on a consumers report I am now seeking legal representation thank you
Regards,
*** ***

This is in response to the above captioned complaint dated November 6, in which Ms*** ***-*** registered a complaint about the use of her secured credit card.We regret that Ms***-*** was inconvenienced based on recent restrictions placed on the secured ***
product.Ms***-*** is always welcome to submit an application for any unsecured product as any member wouldApplications will be processed according to our current lendingunderwriting criteria.Please consider this matter closed.Sincerely,Brian H*** SrVice President of Branch Operations

[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.
Regards,
*** ***

May 16, 2016Dear *** ***This is in response to the above captioned complaint dated May 2, in which ** *** *** complained of receiving text messages that did not belong to her.In researching the complaint we found that the phone number currently registered to ** *** had previously
been registered with a different account that had set up eAlertsThe issue has since been corrected and ** *** should not receive any more eAlerts.We have spoken to ** *** and resolved this matter to the satisfaction of both parties.Please consider this matter closed.Sincerely,Brian HVice President of Branch Operations

From: Revdex.com of Metro Washington DC Date: Thu, Dec 17, at 1:PMSubject: Fwd: Response to Complaint #***To: *** *** ---------- Forwarded message ----------From: *** *** Date: Thu, Dec 17,
at 11:AMSubject: Response to Complaint #***To: "[email protected]" *** ***, I responded to Complaint #*** via mail on December 16th.Subsequent to my response, uncovered some additional pertinent facts regarding this case that prompted a revision of my response.Consequently, I revised my response and mailed the revised response to you on December 17th.I am also attaching a PDF copy of the December 17th Response. Please, only consider my December 17th Response and please DISREGARD MY DECEMBER 16TH RESPONSE. Thanks,Thomas D***, AVP of Internal AuditAmerican Heritage Federal Credit Union

September 29, 2016Dear *** ***:This is in response to the above captioned complaint dated September 24, in which *** *** *** registered a complaint about her loan.*** *** Credit Union merged with American Heritage Federal Credit Union on April 1, ** ***'s account
and loan were transferred at that timeAfter the merger ** ***'s payroll was deposited directly into her savings account with American HeritageWe were not aware these deposits were intended for her loanThe loan has been corrected and all fees charged have been refunded.** *** was contacted and the matter was resolved.Please consider this matter closed.Sincerely,Brian HSrVice President of Branch Operations

June 2, 2016Dear *** ***:This is in response to the above captioned complaint dated May 25, in which ** *** *** complained about the first payment on her new loan not being made per her instructions.In researching the complaint we found the automatic loan payment process was not set up
at loan closing which resulted in the first payment due April 25, not being madeWhen our Asset Recovery Department contacted ** *** to discuss her loan status the issue was discoveredThe automatic loan payment was immediately corrected and a new biweekly pay date was appliedAs a result, the loan is current, no late fees were incurred and the desired outcome requested was achieved.We have spoken to ** *** and resolved this matter to the satisfaction of both parties.Please consider this matter closed.Sincerely,Brian HSrVice President of Branch Operations

August 2, 2016Dear *** ***:This is in response to the above captioned complaint dated July 20, in which *** *** *** registered a complaint about her secured credit card.*** ***'s account was handled properly and in the time frames as outlined under regulations and the ***
agreementAmerican Heritage FCU does not have any knowledge of any disputed transactions"-Please consider this matter closed.Sincerely,Brian HSrVice President of Branch Operations

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:When I signed a contract for the secured master in 2008, in did not state in my contract that American Hertiage Federal Cerdit Union would make drastic changes to my secured [redacted] that's being inconsiderate and bias. I'm filing a complaint with the Pennsylvania Human Relations Commission
Regards,
[redacted]-[redacted]

April 7, 2016Dear [redacted];American Heritage FCU would like to take this opportunity to reply to our member's assertions regarding our service as stated in his complaint.We disagree with [redacted]'s assertion stating that AMHFCU is not reporting accurate information to the credit bureau...

agencies. A review of the complaining member's records at AMHFCU indicates that [redacted] had originated an unsecured loan on June 30, 2009 and had since not pald as agreed. AMHFCU had since charged off her debt and has transferred her debt to a third party agency for further recovery efforts,After reviewing the Credit information, AMHFCU is accurately stating that our debts have been "transferred to another lender" and that the third party agency is properly reflecting the accurate charged off debt owed to AMHFCU.Please feel free to contact me directly if you have need any additional information concerning the above reference Revdex.com complaint,Sincerely,Bryan L.VP of Consumer Lending

From: Revdex.com of Metro Washington DC<[email protected]>Date: Mon, Jun 20, 2016 at 9:54 AMSubject: Fwd: American heritage federal credit unionTo: [redacted] <[redacted]@myRevdex.com.org>---------- Forwarded message ----------From: [redacted] <[redacted].net>Date: Sun, Jun 19, 2016 at 9:23 AMSubject: American heritage federal credit unionTo: [email protected] email address is [redacted].net and my complaint has bee resolved [redacted] complaint number Thanks

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response because:There website gives members a very little break down of there over draft policy as well as the members service it list nothing of what is included in this letter nor did there member service understand due to I spoke with them and they informed me my account was good.
Regards,
[redacted]