Louisiana Grounds Management

Beacon Credit Union loan services have reviewed the records regarding Ms [redacted] *** Ms [redacted] continues to have a joint credit card account with Mr [redacted] A [redacted] Although modifications were made to Ms***s other joint accounts at Beacon Credit Union to reflect her change in marital status as requested, Ms [redacted] and Mr [redacted] did not close their joint credit card account by paying the outstanding balances and closing the card In order for a joint credit card account to be closed any and all outstanding balances must be paid on the credit card to be closed A joint holder cannot simply be removed from a loan account by request with outstanding debt left on the account The loan (credit card) is considered on it's own and must be closed with complete payment In order for Ms [redacted] to be removed from the joint credit card, the balance needs to be paid in full and the account closed by both individuals [redacted] V.PBusiness Development Beacon Credit Union

The account in question is joint account for [redacted] and [redacted] where Mrs [redacted] was added to the account in April of Their joint account went negative and charged off in September All reasonable efforts were made to contact the account holders in accordance with Beacon Credit Union policies and procedures and state and federal laws Mrs [redacted] requested to become a joint account holder on her sons account As in all requests for joint access, Beacon Credit Union requires both parties (the account holder and the joint account holder) to document their request and sign documents which include all disclosures and obligations to the account holders Upon completion of these documents the account holders (primary and joint) are provided copies of these documents for their recordsBeacon Credit Union maintains documents on file to this effect that verify our claims in accordance with NCUA regulations It is made clear at the time of account signing that all account holders (primary and joint) are held responsible for the account equally The reason all account holders who have access to the account are held equally liable is that it is impossible for Beacon Credit Union to restrict behavior on the account by any legally signed account holder The same policies are held by any financial institution where joint access is held on accounts (savings, loans, credit cards, etc) The level to which Beacon Credit Union pursues claims against accounts is held at our discretion in accordance with state and federal lawWhere applicable, Beacon will send one letter – to primary and joint account holders After a reasonable time for the account holders to respond, we submit charge offs still within the statute of limitations from the date of their charge off (which is years) to a third party collector We consider the rest of the details pending and subject to consumer privacy laws

[redacted] began to email the Park regarding an unlivable Spartan RV we had for sale for $if the eligible tenant passed our back ground check and paid a security deposit This is the $ad for the Spartan:We are offering to the right person a Spartan Trailer for $ What is the catch? It needs work! And you must live at our Park This home is unlivable at this point It has no kitchen, bathroom needs work, plumbing, electrical, sewer, painting inside and outsideAnd moreSince this home is not livable so we will offer you month’s free rent while you get it ready You would pay every other month, plus sewer after months and electrical when that is working.Ms [redacted] responded to this ad, but I think she was confused In order to have the $price for the home, she would be required to pass the back ground check and pay a security deposit Our other ad for the home read: Spartan Collectors: The inside of this home does not have much salvage, but the outside has some items that you might need for an on-going projectUncertain of the year of this unit, best guess is between and (ish)Tires are worn and possibly flatNo idea about the condition of the hitch, axle, or other questions like that.The pictures speak for themselves, but in the right hands this could be a beautiful homeWe are asking $350.00.Ms [redacted] and her father, [redacted] came to visit and see the home I took their information for the back ground check, which I explained, was needed if she and her father were going to live at the park Had they wanted to buy the RV, all I would have needed was a money order or a cashier’s check for $and they would have been given a bill of sale I would have needed to know how long they were going to keep it at the Park, as if it went past a month arrangements for a storage agreement would have been required My understanding was the Mr [redacted] was going to live in the space next to the Spartan His daughter would live with him while they made this home livable She would have bought the home then for the $and paid rent every other month for months Her father would have paid regular rent, with an incentive we offered new tenants of $off the first full month and a security deposit would have been required from both of them I had all of their information, but needed the money for their background check I thought they had left to get it I discovered that Mr [redacted] had parked his RV on the space next to the Spartan I told them they could not stay, as they were not approved by the Park At that time, they said they would find another place to stay and would return They did not.I emailed the following to Ms [redacted] regarding our policies to become a resident at our park on July 5, 2016.Hello [redacted] !Here is the process we go through for new tenants.Who we areAt the Columbia MHP-LLC we are looking for people who want to be part of a community Neighbors helping neighbors, looking out for one another, and making this a quality home We are located at [redacted] ***, Longview WA We are close to beautiful Lake Sacajawea, down town Longview, and the Oregon border Rent information• Rent: $• Sewer $(after months) • Electric as used by tenantThe Park uses its own meters and they are recorded monthly • Water may be included as part of the rent at some point, but is not at this moment.Other Expenses• Back Ground Check- $per adult (non-refundable)• Security Deposit- To be determined by the ParkThe Incentive!As part of an incentive we are offering $rental credit off of your first month’s rent After consecutive months of on time payment we will give you $off of the seventh months’ rent (Electric and Sewer must still be paid).Back Ground ChecksThe Park does back ground checks on all future tenants This is to ensure that we get quality residents and everyone one who is interested is encouraged to apply The back ground check will research criminal and credit history Don’t let a poor and non-existent credit history discourage you.Cashier Check or Money Order $per adult is to be made out to:Columbia MHP-LLC What we are looking at:Criminal History- Some of the things the Park looks at is Major Felonies and MisdemeanorsUsing, selling, or are involvement with illegal narcotics (meth, heroin, etc.), involvement in prostitution and other illegal activity.Credit History- Evictions and credit rating We can work with those whose history is not the greatest.The items needed to fill out the back ground check history is the following:Photo IDSocial Security Card (We will not make a copy of your card, but we need to make certain the social security number that is put on the back ground check is the one that is your SS# card The Park Manager will write it down for you on the application)Phone numbers Email address for each person applyingBank account numbermonths of paycheck stubs for eachAny other information regarding other monies such as SSI, SSDI, Child Support, Financial Aid, etc.After the $is deposited you will receive an email link and will fill out the back ground check again You will have been given a copy of your back ground check and can use that to enter your information Fill it out immediately so my supervisor can let you know how much security deposit will be Depending on your credit history, the Park will decide how much the security deposit will cost Again, don’t let this worry you If necessary, we will work out a payment plan with you However, the security deposit must be paid as soon as possible Depending upon when you move in you will be pro-rated for that month’s rent.Older HomesOur park accepts older RVs, 5th Wheels, Mobile Homes, and Motor Homes These are our requirements:• Must be livable with working shower and bathroom• Must be in decent shape If it needs painting or power washing you must be able to comply No dents, holes, or dilapidated exterior and interior• You have to be willing to make your home as nice as possible, inside and outPetsPets are welcome at the Columbia MHP-LLC if they meet the following conditions:• All animals must be spayed or neutered• No animal over pounds• Must have proof of rabies shots updated• Must have or get license(s) per Cowlitz County Ordinance• No more than dogs or cats• Owners MUST pick up after their pet’s feces• Dogs must always be on a lease when in the Park area• Any complaints from other tenants from animal barking, left messes, aggressive to other people, or other will result in the removing of your pet from the ParkIf you have more questions my phone number is 360-423- My hours are10:A.Mto 4:P.M- Monday through Friday It is best to make an appointment, as sometimes I am away from the office for other business.Sincerely,Holleigh Y***Property ManagerColumbia MHP LCC [redacted] @cammgtservices.com360-423-5909I was always polite and clear about the difference between the $and $in sales regarding this RV I would never coerce anyone into buying or applying at our Park I did not change what the original arrangement was to be with Ms [redacted] I found her father and her very nice people who would have made a nice addition to our community I honestly believe there was a misunderstanding regarding the $and $deal we were offering I was not deliberately trying to make this a difficult process for the [redacted] s

Revdex.com: I have reviewed the response offer 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 There was no resolution offered Beacon states that they see nothing that was done incorrectly however if I am a joint owner - why was I never notified by either mail or phone call I was unaware that the account was negative & per the statement of the collection agency, no type of notification went out until year later & no other notification after that I think that if the credit union really cared to collect money, they would put more effort into contacting the so called owners of the accountI was never given any type of documentation of me being the joint owner - what was told to me in the office that day was different from what this response states regardless of that paperwork that they retain Of course, the conversation is a he said, she said case whereas nothing can be proved otherwise I am extremely disappointed in how the credit union handled all of this & will let it be known to whomever will listen how they do business Regards, [redacted]

The Virginia State Uniform Commercial Code (VA LAW) sets the requirements for handling loan contracts
Credit Cards are a loan contract and are subject to all State and Federal laws. In order to change a loan contract, that contract must be stricken (closed). Loans are closed by payment in full. Funds for payment could be cash or could be a transfer of funds to a new loan. The credit card in question was left open and by state law all contractual agreements on the loan were still in effect for all parties on the loan
The lawyer that handled the divorce settlement should have helped to clear this up. The credit union is a facilitator/ provider of services. We cannot function as the attorney to determine the appropriate action
Beacon Credit Union suggests making an appointment in advance at one of our branches and have a branch manager help explain a couple options, however, the option of simply removing a persons name from an open loan contract will not be possible under VA LAW

I have reviewed the response offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
It was not addressed why I was not notified of the delinquency on this account Also no one told us to close the account to remove my name I was told that everything was taken care of
Regards,
*** ***

Ms*** signed documentation in Beacon Credit Union offices that clearly define what a joint account is and the responsibilities of all parties on the account These types of disclosures are standard policies as defined by banking regulations and are found at all institutions regulated by the federal government Beacon Credit Union has clear documentation on file of Ms*** acknowledging this agreement with her signature Once again, a standard account agreement all federal institutions require account holders to sign.As a member owned institution, we service all member accounts equally and without regard to discrimination Accounts in delinquency are expected to be brought into balance and all signed account holders are held equally liable as clearly defined in the account agreement signed by Ms*** If Ms*** would contact a Beacon Credit Union representative by phone or in branch we would be happy to assist in bringing her joint account into balance Our toll free number is ***

Revdex.com:
I have reviewed the response & there is no offer made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.Regardless of their policies, if I was truly a responsible party on this account some type of correspondence would have been sent to me or phone calls made to me prior to more than a year passing. If this is the way that all of their business is handled, I'm surprised if they ever collect anything that is due to them or have any account holders left. I have heard on other occasions the problems people have had with this branch / Beacon Credit Union in general & I will be making it known to anyone and everyone the issues that I've had. I work for a multi million dollar company and work continuously with problem cases / complaints and this certainly isn't the way that things are handled if the company wants to collect money or retain a client. I'm very disappointed in Beacon Credit Union and will let this be known
Regards,
*** ***

[redacted] began to email the Park regarding an unlivable Spartan RV we had for sale for $1.00 if the eligible tenant passed our back ground check and paid a security deposit.  This is the $1.00 ad for the Spartan:We are offering to the right person a Spartan Trailer for $1.00.  What...

is the catch?  It needs work!  And you must live at our Park.  This home is unlivable at this point.  It has no kitchen, bathroom needs work, plumbing, electrical, sewer, painting inside and outside. And more. Since this home is not livable so we will offer you 3 month’s free rent while you get it ready.  You would pay every other month, plus sewer after 2 months and electrical when that is working.Ms. [redacted] responded to this ad, but I think she was confused.  In order to have the $1.00 price for the home, she would be required to pass the back ground check and pay a security deposit.  Our other ad for the home read: Spartan Collectors: The inside of this home does not have much salvage, but the outside has some items that you might need for an on-going project. Uncertain of the year of this unit, best guess is between 1950 and 1960 (ish). Tires are worn and possibly flat. No idea about the condition of the hitch, axle, or other questions like that.The pictures speak for themselves, but in the right hands this could be a beautiful home. We are asking $350.00.Ms. [redacted] and her father, [redacted] came to visit and see the home.  I took their information for the back ground check, which I explained, was needed if she and her father were going to live at the park.  Had they wanted to buy the RV, all I would have needed was a money order or a cashier’s check for $350.00 and they would have been given a bill of sale.  I would have needed to know how long they were going to keep it at the Park, as if it went past a month arrangements for a storage agreement would have been required.  My understanding was the Mr. [redacted] was going to live in the space next to the Spartan.  His daughter would live with him while they made this home livable.  She would have bought the home then for the $1.00 and paid rent every other month for 3 months.  Her father would have paid regular rent, with an incentive we offered new tenants of $100.00 off the first full month and a security deposit would have been required from both of them.  I had all of their information, but needed the money for their background check.  I thought they had left to get it.  I discovered that Mr. [redacted] had parked his RV on the space next to the Spartan.  I told them they could not stay, as they were not approved by the Park.  At that time, they said they would find another place to stay and would return.  They did not.I emailed the following to Ms. [redacted] regarding our policies to become a resident at our park on July 5, 2016.Hello [redacted]!Here is the process we go through for new tenants.Who we areAt the Columbia MHP-LLC we are looking for people who want to be part of a community.  Neighbors helping neighbors, looking out for one another, and making this a quality home.  We are located at [redacted], Longview WA  98632.  We are close to beautiful Lake Sacajawea, down town Longview, and the Oregon border.  Rent information• Rent: $450.00 • Sewer $45.00 (after 2 months) • Electric as used by tenant. The Park uses its own meters and they are recorded monthly.  • Water may be included as part of the rent at some point, but is not at this moment.Other Expenses• Back Ground Check- $29.95 per adult (non-refundable)• Security Deposit- To be determined by the ParkThe Incentive!As part of an incentive we are offering $100.00 rental credit off of your first month’s rent.  After consecutive months of on time payment we will give you $450.00 off of the seventh months’ rent.   (Electric and Sewer must still be paid).Back Ground ChecksThe Park does back ground checks on all future tenants.  This is to ensure that we get quality residents and everyone one who is interested is encouraged to apply.  The back ground check will research criminal and credit history.  Don’t let a poor and non-existent credit history discourage you.Cashier Check or Money Order $29.95 per adult is to be made out to:Columbia MHP-LLC.  What we are looking at:Criminal History- Some of the things the Park looks at is Major Felonies and Misdemeanors. Using, selling, or are involvement with illegal narcotics (meth, heroin, etc.), involvement in prostitution and other illegal activity.Credit History- Evictions and credit rating.  We can work with those whose history is not the greatest.The items needed to fill out the back ground check history is the following:1. Photo ID2. Social Security Card (We will not make a copy of your card, but we need to make certain the social security number that is put on the back ground check is the one that is your SS# card.  The Park Manager will write it down for you on the application)3. Phone numbers 4. Email address for each person applying5. Bank account number6. 4 months of paycheck stubs for each7. Any other information regarding other monies such as SSI, SSDI, Child Support, Financial Aid, etc.After the $29.95 is deposited you will receive an email link and will fill out the back ground check again.  You will have been given a copy of your back ground check and can use that to enter your information.  Fill it out immediately so my supervisor can let you know how much security deposit will be.  Depending on your credit history, the Park will decide how much the security deposit will cost.   Again, don’t let this worry you.  If necessary, we will work out a payment plan with you.  However, the security deposit must be paid as soon as possible.  Depending upon when you move in you will be pro-rated for that month’s rent.Older HomesOur park accepts older RVs, 5th Wheels, Mobile Homes, and Motor Homes.  These are our requirements:• Must be livable with working shower and bathroom• Must be in decent shape.  If it needs painting or power washing you must be able to comply.  No dents, holes, or dilapidated exterior and interior• You have to be willing to make your home as nice as possible, inside and outPetsPets are welcome at the Columbia MHP-LLC if they meet the following conditions:• All animals must be spayed or neutered• No animal over 35 pounds• Must have proof of rabies shots updated• Must have or get license(s) per Cowlitz County Ordinance• No more than 2 dogs or cats• Owners MUST pick up after their pet’s feces• Dogs must always be on a lease when in the Park area• Any complaints from other tenants from animal barking, left messes, aggressive to other people, or other will result in the removing of your pet from the ParkIf you have more questions my phone number is 360-423-5909.  My hours are10:00 A.M. to 4:00 P.M- Monday through Friday.  It is best to make an appointment, as sometimes I am away from the office for other business.Sincerely,Holleigh Y[redacted]Property ManagerColumbia MHP LCC[redacted]@cammgtservices.com360-423-5909I was always polite and clear about the difference between the $1.00 and $350.00 in sales regarding this RV.  I would never coerce anyone into buying or applying at our Park.  I did not change what the original arrangement was to be with Ms. [redacted].  I found her father and her very nice people who would have made a nice addition to our community.  I honestly believe there was a misunderstanding regarding the $1.00 and $350.00 deal we were offering.  I was not deliberately trying to make this a difficult process for the [redacted]s.

The account in question is joint
account for [redacted] and [redacted] where Mrs. [redacted] was added to the
account in April of 2014. Their joint account went negative and charged off in
September 2014.  All reasonable efforts were made to contact the account holders
in accordance with...

Beacon Credit Union policies and procedures and state and
federal laws.
Mrs. [redacted] requested to become
a joint account holder on her sons account. 
As in all requests for joint access, Beacon Credit Union requires both
parties (the account holder and the joint account holder) to document their
request and sign documents which include all disclosures and obligations to the
account holders.  Upon completion of
these documents the account holders (primary and joint) are provided copies of
these documents for their records. Beacon Credit Union maintains documents on
file to this effect that verify our claims in accordance with NCUA regulations.
It is made clear at the time of
account signing that all account holders (primary and joint) are held
responsible for the account equally.  The
reason all account holders who have access to the account are held equally
liable is that it is impossible for Beacon Credit Union to restrict behavior on
the account by any legally signed account holder.  The same policies are held by any financial
institution where joint access is held on accounts (savings, loans, credit
cards, etc).
The level to which Beacon Credit
Union pursues claims against accounts is held at our discretion in accordance
with state and federal law. Where applicable, Beacon will send one letter – to
primary and joint account holders.  After
a reasonable time for the account holders to respond, we submit charge offs still
within the statute of limitations from the date of their charge off (which is 5
years) to a third party collector.
We consider the rest of the
details pending and subject to consumer privacy laws.

Beacon Credit Union loan services have reviewed the records regarding Ms. [redacted] . [redacted]. 
Ms. [redacted] continues to have a joint credit card account with Mr. [redacted] A. [redacted].  Although modifications were made to Ms. [redacted]s other joint accounts at Beacon Credit Union to reflect her change...

in marital status as requested, Ms. [redacted] and Mr. [redacted] did not close their joint credit card account by paying the outstanding balances and closing the card.
In order for a joint credit card account to be closed any and all outstanding balances must be paid on the credit card to be closed.   A joint holder cannot simply be removed from a loan account by request with outstanding debt left on the account.  The loan (credit card) is considered on it's own and must be closed with complete payment.
In order for Ms. [redacted] to be removed from the joint credit card, the balance needs to be paid in full and the account closed by both individuals.
[redacted]
V.P. Business Development
Beacon Credit Union

Revdex.com:
I have reviewed the response offer 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.
There was no resolution offered.  Beacon states that they see nothing that was done incorrectly however if I am a joint owner - why was I never notified by either mail or phone call.  I was unaware that the account was negative & per the statement of the collection agency, no type of notification went out until 1 year later & no other notification after that.  I think that if the credit union really cared to collect money, they would put more effort into contacting the so called owners of the account. I was never given any type of documentation of me being the joint owner - what was told to me in the office that day was different from what this response states regardless of that paperwork that they retain.  Of course, the conversation is a he said, she said case whereas nothing can be proved otherwise.  I am extremely disappointed in how the credit union handled all of this & will let it be known to whomever will listen how they do business.    
Regards,
[redacted]