Mike's Garage

I accept this response, only due to MsPat S [redacted] helping mePlease note most of what was included in the response was not accurateThe first payoff letter was postmarked ***, not 7/**I have the letterI received it ***I never received the second payoff letter, however I did get a quote over the phone on [redacted] after [redacted] minsI called the number provided today and left a message for Kelly, but never heard backFor now this is fineIf I do not receive the payoff/satisfaction letter, I will have to reach out again

Dear [redacted] ***, Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concerns We have reviewed the account in question which was initially closed on In accordance with the Secured Card Agreement (attached), funds will be returned between 30-days, and not more than days after we receive a written request from you to return any remaining fundsOn 102015, you contacted us regarding your refund in which a representative reminded you of the 30-day policy for refunds and you asked us to reopen the account for youAs per your request, your account was reopened on 10/ [redacted] in which the card was used for two transactions following the reopening of the accountAs of 12/*/your account has been closed and you have been issued a refund of $into your checking account I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions Regards,Kelly D [redacted] Bethpage Federal Credit Union

Dear [redacted] , Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concernsI sincerely apologize for the inconvenience and frustration you experienced in regards to not having access to your online banking (OLB)At this time, your recent password issue should be resolved: • On August *, you spoke with an Assistant Manager, Laurie, in our contact center regarding your OLB access; • Laurie successfully reset your OLB credentials in order to provide you access to your accounts; • When relaying the OLB information to you, you informed Laurie that you were driving and requested a call back; • At 3:P.M., also on August *, 2016, service representative Darryl reached out to you to provide you with your OLB username and passwordYou were unavailable at this time so he left his name and extension for you to call backIf you are still having issues with your OLB credentials, please contact us so we can restore your accessAdditionally, we have reviewed the other issues you described in your letter and will be addressing all concerns with the appropriate management teams and representativesThank you for bringing these concerns to our attention for appropriate remedial action Again, I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actionsRegards, Bethpage Federal Credit Union

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [r Answer Here] [redacted] did not receive a payoff letter from Fusion Auto [redacted] made several attempts with Fusion and Bethpage to get the letter Bethpage sent the letter to [redacted] with the Payoff amount of $which I faxes a copy over to the Revdex.com fax# ###-###-####there wasn't any other letter sent to ***Myself has tried with Fusion and Bethpage and Fusion has referred me back to Bethpage because they were the one I was sending my payments toI never dealt with Fusion until this accident Please also contact [redacted] at ###-###-#### and they would tell you whom they received a payoff letter fromI have never came across a letter from Fusion nor has [redacted] received a letter from Fusion The letter [redacted] has received was from Bethpage in that amount the check was sent for Please find the fax copy of the payoff letter so that you can see what I am referring to Again [redacted] tried several times to get a payoff letter from Fusion and Bethpage until finally Bethpage sent one Thank you In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Hi ***,I contacted [redacted] today and spoke with Russ T [redacted] he is a Lien holder specialist I expresses your message to him about claiming that I supposed to send the check to BethpageThe is all misleading information and I an being accused for something that did not transpire As per Russ they spoke with Bethpage representat I've Justine on 2/*/2015@ 2:52p.mand he/she authorized [redacted] to send the remaining equity to the customer because a payoff letter in the amount of 33,was sent to [redacted] to Satisfy the loan and release the title I was told by [redacted] that the remaining of the check was going to be sent to me and was never told that I had to send it to Bethpage Which would not make sense because [redacted] would have sent the entire amount owed to Bethpage instead of releasing the remaining amount to me especially when the vehicle is leased and I did not pay taxes upfront The payoff letter that was sent to [redacted] was also signed by April H [redacted] who is one of the executive at Bethpage If Bethpage gave [redacted] a settlement amount of $36,why was that amount not stated on the letter? My credit has been hurting for year now and someone has to take responsibility for this This is not fair and there is a lot of misleading information going back and forthMarilyn Lehrer I faxed the payoff letter to fax# ###-###-#### did you receive this letter? I would also like for if Revdex.com can contact [redacted] and hear their side of the story because you are only getting one side of this story The phone# to [redacted] claims is ###-###-#### my claim# is [redacted] and ask to speak with Russ T [redacted] I also asked him to note everything we spoke about ***,Please from out from Justine about this conversation with [redacted] on the date said I am sure Bethpage has conversations recorded and so do *** I will also be contacting you along with [redacted] so that someone can resolve this situation If this is not going to get resolved I would have to take the next step into legal action Thank you[redacted] In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Bethpage has submitted a statementWhen I spoke to Laurie I did not ever tell her I was driving, nor did I imply that I was drivingI don't even own a car nor do I have a driver's licenseAgain, in the complaint I mentioned that Bethpage employees lie repeatedly and their response only confirm thisLaurie stated she would call back and did notThe person who did call, called from a private number therefore I had no way of knowing who he was or where he was calling fromThe person who called me from the private number may have been DarrylHe lied and said Laurie had a "medical emergency" and could not return my callLaurie also stated an "IT" person would be calling to fix the problem, and she also stated that she would remove a password that was added to my account without my knowledgeNo It person called and the password was not removed from my againThe repeated lies from Bethpage is unacceptableSince all calls are recorded, it can be played back for verificationAn investigation should be conducted on Bethpage, they are not transparent in their business practices and highly unethical In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

A Bethpage Fraud representative attempted to contact you in regards to your fraud claimOur representative left a voicemail at all phone numbers listed on your account and also attempted to reach you at the associated work phone numberIn order to proceed, please contact the Bethpage Fraud department directly so that they can gain more information and gather the documentation necessary to begin their investigationChristine P [redacted] Fraud Prevention Manager, can be reached directly at ###-###-#### to help you with your concerns

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: I do not accept this reponse I am finally contacted, but only after I open this case with the Revdex.com In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

Dear [redacted] , Your correspondence addressed to the RevDex.com was received by Bethpage Federal Credit Union (“Bethpage”). I appreciate the opportunity to address your concerns. On 22015 we received a check from [redacted] in the amount of $33,165.39. Your GAP claim was denied as the full [redacted] settlement was not received; you received additional funds directly from [redacted] towards your loan which were never submitted to us. As you are responsible for the remaining balance of your leased vehicle, you may contact Fusion at ###-###-#### for a payoff quote. I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions. Regards, Bethpage Federal Credit Union

Dear [redacted] , Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concerns A Bethpage representative contacted [redacted] on and confirmed that the settlement amount on file with [redacted] for your vehicle was $36, [redacted] received a payoff letter in the amount of $33,165.39, in which payment was received by us on [redacted] mailed you a check for the difference in the amount of $3,to be submitted to us; these funds were never received and we were unable to pay off your loanThe current amount owed on your vehicle is $1,965.45, which by our records after speaking with ***, you are responsible forThis payoff amount is good through I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions Regards, Bethpage Federal Credit Union

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me

Dear *** ***,
Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concerns
I apologize for the inconvenience and frustration you experienced in regards to having a password added to your accountsAt this time, the password has been removed• On August *, you spoke with an Assistant Manager, Laurie, in our contact center;
• Laurie successfully reset your OLB credentials in order to provide you access to your accounts and submitted a request to have the password on your accounts removed;
• Laurie left early on August *, for a medical emergency and asked a service representative, Darryl, to call you back regarding your OLB access;
• At 3:P.M., also on August *, 2016, Darryl reached out to you to provide you with your OLB username and passwordYou were unavailable at this time so he left his name and extension for you to call backRepresentatives calling from the contact center will display as a private number, but will identify themselves immediately
We have reviewed the other issues you described in your letter and will be addressing all concerns with the appropriate management teams and representativesAgain, I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actionsIf you have any other questions, you can reach me at ###-###-####I am available to assist you Monday through Friday, 9:a.mto 3:p.m., EST
Regards,
Bethpage Federal Credit Union

Dear *** ***, Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit UnionI appreciate the opportunity to address your concernsWe have reviewed the information in question and determined that your request to us was closed in January After
reviewing the account, we responded to your email on 1/**/informing you that the charge off on your account was settled for $on 11***/and that your credit report was showing that we were reporting accurately for your accountAs we are unable to make any updates to judgments filed in the court, to dispute that part of your credit report, or for further information regarding the judgment, you can contact the attorney’s office who filed, Mullen and Iannarone, at *** ***.I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actionsRegards,Bethpage Federal Credit Union

Dear *** ***,
Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concernsWe have reviewed the account in question which was closed on May **, with a negative balance
of $
• On April **, a purchase for $at La Quinta Inn in Jacksonville, Florida was charged on your Bethpage Debit Card
• On April **, 2014, the charge for $settled on your account and your account was overdrawn by $
• On May **, 2014, after consecutive days with an unpaid negative account balance, your minimum $membership deposit was applied to your negative balance and your accounts were closed; a negative balance of $remains
• Our Fraud Department has no record of a submitted claim and the MasterCard Fraud Form was not submitted to the Fraud department so that we could file your claim
• You currently owe $I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actionsIf you have any other questions, you can reach me at ###-###-####I am available to assist you Monday through Friday, 9:a.mto 3:p.m., EST
Regards,Bethpage Federal Credit Union

Dear *** ***, Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit UnionI appreciate the opportunity to address your concerns and resolve your complaintUpon review of your complaint I must note that the deposit was not a direct deposit but a
deposit made at the *** *** ATMIn addition, the check deposited was a starter check drawn on ** *** that was returned “Refer to Maker” due to the illegible maker’s mark. When the full amount of the check was returned for $on 4/**, your account went negative and we were able to cover that account by pulling funds from a Custodial account linked to your nameDue to the fact that we were able to cover the negative balance, your accounts were not closed and are still open and activeHowever, your ***/ATM privileges have been revoked due to the fraudulent activity at the ATM machine. You were contacted regarding this activity and mailed a letter explaining your account changes as well. I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actionsRegards, *** ***
*** *** *** ***
*** *** ***

Dear *** ***, Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit UnionI appreciate the opportunity to address your concerns and resolve your complaintYour mortgage loan was funded on 2/**/On 3/**/we were notified your policy with
Narragansett Bay Insurance was cancelledWe mailed a letter to you requesting updated insurance; this letter also advised that forced placed insurance would be applied if a new policy was not providedA new policy was not provided and forced insurance was placed on the mortgage accountIn addition, on 6/**/we received notification from NYC advising that your Finance Exemption was revoked for April through July 2015; your taxes were re-analyzed and the new tax amount was appliedThis has contributed to the increase in your monthly mortgage paymentsIn reference to mortgage payment options, we allow for payments to be made online (through transfer or a Bill Pay service), over the phone or by mailWe also set up pre-authorized payments from a Bethpage account or from another financial institutionMortgage payments have a due date of the *** of the month and the grace period ends on the *** of the month before a late fee is assessedI appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actionsRegards, Kelly D***Bethpage Federal Credit Union

Dear *** ***,
Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit UnionI appreciate the opportunity to address your concerns
We have reviewed the loan account in question and have removed you from CollectionsYour credit has been
correctedI appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions
Regards,Bethpage Federal Credit Union

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 and the matter has been resolved
Sincerely,
*** ***

Dear *** ***,
Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concerns
A Bethpage representative contacted *** on 1/**/and confirmed that the settlement amount on file with *** for your vehicle was $36,*** received a payoff letter in the amount of $33,165.39, in which payment was received by us on 3/**/*** mailed you a check for the difference in the amount of $3,to be submitted to us; these funds were never received and we were unable to pay off your loanThe current amount owed on your vehicle is $1,965.45, which by our records after speaking with ***, you are responsible forThis payoff amount is good through 1/**/
I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions
Regards,
Bethpage Federal Credit Union

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because:
[r Answer Here]
*** did not receive a payoff letter from Fusion Auto*** made several attempts with Fusion and Bethpage to get the letter Bethpage sent the letter to *** with the Payoff amount of $which I faxes a copy over to the Revdex.com fax# ###-###-####there wasn't any other letter sent to ***Myself has tried with Fusion and Bethpage and Fusion has referred me back to Bethpage because they were the one I was sending my payments toI never dealt with Fusion until this accident Please also contact *** at ###-###-#### and they would tell you whom they received a payoff letter fromI have never came across a letter from Fusion nor has *** received a letter from Fusion The letter *** has received was from Bethpage in that amount the check was sent for Please find the fax copy of the payoff letter so that you can see what I am referring to Again *** tried several times to get a payoff letter from Fusion and Bethpage until finally Bethpage sent one Thank you
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
Sincerely,
*** ***