Laribay Cablevision

Good afternoon, Argent Credit Union has investigated the recent communication from the Revdex.com (Case # [redacted] ) and concern from our member The type loan that this Member had and that is in question, raising concern was that of a simple interest loan, which accrues interest daily If our Member requested a pay-off for 07/31/and brought a check the next day, for payment in full, the loan had accrued the daily rate of $***As due diligence was conducted related to the issue that our Member has raised, we have been in contact with those employees taking part of the transaction Our Member had come in with another woman that day, whereby the Member stood in the lobby while the woman companion went to the teller line and initiated the transaction The woman applying the payment to the Members account was not on the account, therefore our Teller did the transaction using the “no person” selected When performing a “no person” selected transaction, the payment is taken and applied to the account, without actually going into the members account The receipt (see attached) that is produced provides the date, last two digits of the account number, the share/loan number and amount and breakdown of the payment It does not show the balance on the account and the Teller is not actually working within the account Note, that the Teller had no way of knowing there was a remaining $ [redacted] balanceIn this case, once the transaction was complete, the woman conducting the transaction actually called our Member over to sign the signature pad for the transaction Our Teller had not obtained ID for the Member and completed the “no person” transaction This Member and the woman companion left, without saying anything else, however returned a short while later, with the woman approaching the Teller, asking why the balance did not show the account was paid in full The Teller explained that they could not give balance information to someone who is not on the account The woman companion told our Teller that, “the Member is standing in the lobby.” At that time our Teller asked for the Member’s identification and accessed his account, finding that he had a remaining balance of $*** The woman inquired as to why the Teller did not tell her there was a $ [redacted] left to pay on the loan, when she knew her intent was to pay it off Our Teller again explained that details of the account would not be visible because the woman was not on the Members account The Member and the woman companion paid the remaining $ [redacted] in cash, took the receipt showing a zero balance and left Sincerely, Rick C [redacted] Vice President Marketing / Employee Services

Argent Credit Union has reviewed the claim filed by member, *** ***. Rose B***, President/CEO received a call from Ms*** on 1/and after hearing from the member, MrsB*** asked that MsAshley T***, Electronic Services Manager research the Ms***’s concern of overdraft
fees. MsT*** spoke with the member at length on 1/and was able to assist in explaining credit union policy. In addition, MsT*** worked with Ms*** favorably with several overdraft fees in the process, providing quality member service. As a close in conversation with MsWhite, MsT*** reiterated credit union policy, helpful products, and advised that Ms*** consider opting out of Reg E. Regulation E provides rules pertaining to consumer liability for unauthorized card usage, etc. Ms*** did not wish to move forward with this option during her call with MsT***

Dear ** ***:I am responding to your email to *** *** dated October 21,
regarding the above referenced complaintAs we discussed in our telephone conversation, the statement
provided by *** *** is correct in some matters but incorrect in othersThe following
is a synopsis of the
circumstance related to ** *** account.** *** passed away on May 30, Argent Credit Union
was not notified by *** *** of ** *** passing until July 8, Also on
July 8, at 11:39am contact was made with our credit card processer from someone
is possession of ** *** *** cardThe reason for the contact is unknown by the
individual failed to properly answer specific security questions related to **
*** cardThis failure to properly answer the security questions required the
credit card processor to status the card in such a way that it cannot be usedThe
credit union was contacted later that day by phone by ** *** informing is of
** *** passingAn e-mail from our Call Center dated 7/8/at 12:12pm was
sent to the Loan Department informing us of his deathThis *** account was in
the name of ** *** only*** *** was not on the card and was not an
authorized user of the *** card.** *** state that she was a joint owner of ** *** saving
account with a balance of $3,Although *** *** was joint primary
saving account (identified as an S-account), the balance in that account was
$** *** did have a secondary saving account (identified as an S-
account) with a balance of $3,that *** *** was not a joint ownerA review
of the history of the S-account shows that on June 15, (days after **
*** death) a withdrawal in the mount of $1,was made at a credit union
service center located at *** ** *** *** in *** *** ***The service
center is not an Argent credit Union BranchThis withdrawal should not have
been allowed as it was from the S-accountUnfortunately, I cannot speak to
the procedures that were or were not followed by the service center to identify
account ownership nor can I say who made that withdrawal.On September 8, 2015, the credit union did transfer
$3,to the *** account which brought the balance of the S-saving
account to $the credit union also credited ** *** *** account $
representing the interest charged on his last billing cycle and another $25,
representing the late fee charged on his last billing cycleThe remaining balance
of $was charged off as a loss to the credit union on 9/28/15.Argent credit Union’s procedures for all deceased accounts
where a loss is incurred is to forward the account to our attorney to pursue
any estate that might exist in an attempt to satisfy the loss to ArgentThe statement
from ** *** that there was no estate does not change the credit union
proceduresIt is the responsibility of the attorney to determine what, if any,
assets might exist and pursue those assets to satisfy the credit union’s lossIf
it is determined that no estate is assets exist, the case is then closedThe credit
union understands that ** *** is not responsible for the debt and all communication
from our attorney would be referencing the estate of William E BoltonWe are
not pursuing ** *** for any payment but any correspondence would be going to
the address of record of ** ***, which is also *** *** address.Please be advised that if needed Argent Credit Union can provide
any supporting documentation necessary to substantiate the statements made in
this correspondence in include Membership and Account Agreement, *** Credit
Card line or Credit Agreement, signature card for the S-account signed by **
*** opened 10.28.94, records collections comments, e-mail correspondence and
Death Claim OutlineAs stated in several of these documents the member pledges
all shared or deposits in any joint or individual account as security of any
amounts owed to the credit unionBased on these documents, the credit union exercised
its rights to offset part of the balance of ** *** VISA credit card account
by transferring funds from his S-accountThe $in the S-account remains
in place as of this writing.Please let me know if there are any additional questions concerning
this matterI can be reached during business hours at *** extension
***

In response to the complaint I received from *** *** of ** *** ** *** *** **. The trim crew made an appointment with Mr *** for June which he agreed to. He told the men to take off a good feet from all around the tree. The men had explained
this was too much and wasn't advisable but Mr *** insisted saying the neighbor next store stripped his tree and it all came back fine. As the men did the job Mr *** started to be upset with the amount that was taken off. But it was what he had said. He later made a comment to my men saying they were right by telling him he shouldn't have done this. As it stands now Mr *** hasn't returned my calls to have a meeting about the tree and what can be done. It is actually filling out now nicely. I seem to get the feeling that Mr *** just doesn't want to pay for the job. My men are adament in what Mr *** told them what to do. These men do hundreds of trim jobs all year long and get nothing but praise. I have every confidence that the tree will be fine and have some suggestions for Mr *** but I can't seem to talk to him live and in person

Good afternoon, Argent Credit Union has investigated the recent communication from the Revdex.com (Case # [redacted]) and concern from our member.  The type loan that this Member had and that is in question, raising concern was that of a simple interest loan, which accrues interest daily.  If...

our Member requested a pay-off for 07/31/17 and brought a check the next day, for payment in full, the loan had accrued the daily rate of $[redacted]. As due diligence was conducted related to the issue that our Member has raised, we have been in contact with those employees taking part of the transaction.  Our Member had come in with another woman that day, whereby the Member stood in the lobby while the woman companion went to the teller line and initiated the transaction.  The woman applying the payment to the Members account was not on the account, therefore our Teller did the transaction using the “no person” selected.  When performing a “no person” selected transaction, the payment is taken and applied to the account, without actually going into the members account.  The receipt (see attached) that is produced provides the date, last two digits of the account number, the share/loan number and amount and breakdown of the payment.  It does not show the balance on the account and the Teller is not actually working within the account.  Note, that the Teller had no way of knowing there was a remaining $[redacted] balance. In this case, once the transaction was complete, the woman conducting the transaction actually called our Member over to sign the signature pad for the transaction.  Our Teller had not obtained ID for the Member and completed the “no person” transaction.  This Member and the woman companion left, without saying anything else, however returned a short while later, with the woman approaching the Teller, asking why the balance did not show the account was paid in full.  The Teller explained that they could not give balance information to someone who is not on the account.  The woman companion told our Teller that, “the Member is standing in the lobby.”  At that time our Teller asked for the Member’s identification and accessed his account, finding that he had a remaining balance of $[redacted].  The woman inquired as to why the Teller did not tell her there was a $[redacted] left to pay on the loan, when she knew her intent was to pay it off.  Our Teller again explained that details of the account would not be visible because the woman was not on the Members account.  The Member and the woman companion paid the remaining $[redacted] in cash, took the receipt showing a zero balance and left.  Sincerely, Rick C[redacted]Vice President Marketing / Employee Services

Revdex.com:
I have reviewed the offer and/or response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
[Provide details of why you are not satisfied with this resolution.]
Regards,
[redacted]
There is absolutely NO ESTATE and the attorney does not need to pursue this matter any further.  I do not want to receive any more billings from Argent Federal Credit Union to the Estate of [redacted] nor any further correspondence from the attorney involved.  There is no money to pay anything!  Please have the Credit Union and attorney close out this case.  Thank you.