Mike's Garage

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 accounts in question and determined that both your Checking account and Line of
Credit are closedYour Checking account was closed on 5/*/and Bethpage paid off and closed your Line of Credit on 5/**/in the amount of $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

I accept this response, only due to MsPat S*** 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 *** after 4* 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 *** ***, 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# ***, 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,
*** ***

Dear *** ***, Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)We have reviewed the account in question and found the following: As of July **, 2017, you are not registered for Bethpage Bill Pay.On April **, and July *,
2017, you spoke with a Bethpage representative in regards to this matterDuring these conversations, you expressed that you were not making payments because you had taken the loan out for someone else.Please contact Keith W***, AVP of Loan Servicing & Administration at ###-###-#### to discuss this matter further. I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions

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 account was reimbursed a total of $for the separate ATM service charge fees that
you were charged Upon review of your complaint I must note that the surcharge is from *** *** *** ***, as some *** locations are exempt from the surcharge-free network, in agreement with the Town of Islip, and can charge an ATM feeThese specific locations do not have the logo displayed on the ATM (red triangle that says co-op)Bethpage does not have any control over these ATMs, their locations, or when they charge a feeWe update our website, ***, daily to best reflect the most current list of surcharge-free ATMsPlease be sure to check our website for a full list of surcharge-free ATMs, check for the logo when you’re at the ATM (must be displayed to be surcharge-free), and check your receipt after each transactionI 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 Union (“Bethpage”)I appreciate the opportunity to address your concernsOn 2/*/2015, Fusion Auto Finance (“Fusion”) quoted a payoff for your leased vehicle in the amount of
$35,On 3/**/we received a check from *** in the amount of $33,Your GAP claim was denied as the full *** settlement was not received; you received additional funds directly from *** towards your loan which were never submitted to usAs you are responsible for the remaining balance of your leased vehicle, you may contact Fusion at ###-###-#### for a payoff quoteI 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 *** ***, 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 paying off your
MortgageYour Mortgage was paid off on August **, in the amount of $74,895.40: • On July **, you called and requested a payoff on your Mortgage good through August *, 2016;
• On July **, your Mortgage payoff quote good through August *, was mailed to you, including a breakdown of the payment and the per diem after August *, (attached);
• On August *, you requested an additional payoff letter;
• On August *, your Mortgage payoff quote good through August *, was sent to you, including a breakdown of the payment and the per diem after August *, (attached);
• On August **, your Mortgage was paid off in the amount of $74,895.40;
• On August **, your Savings account was closed
We have reviewed the 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 action
Again, 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 (*16) 6*3-*I am available to assist you Monday through Friday, 9:a.mto 3:p.m., EST
Regards,
Bethpage Federal Credit Union

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*** 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 *** 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
We have reviewed the account in question which was initially closed on 10/**/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 10/**/2015, 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/** 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***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:
Hi ***,I contacted *** today and spoke with Russ T*** 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 *** to send the remaining equity to the customer because a payoff letter in the amount of 33,was sent to *** to Satisfy the loan and release the title I was told by *** 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 *** 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 *** was also signed by April H*** who is one of the executive at Bethpage If Bethpage gave *** 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 forth. Marilyn Lehrer I faxed the payoff letter to fax# ###-###-#### did you receive this letter? I would also like for if Revdex.com can contact *** and hear their side of the story because you are only getting one side of this story The phone# to *** claims is ###-###-#### my claim# is *** and ask to speak with Russ T***I also asked him to note everything we spoke about ***,Please from out from Justine about this conversation with *** on the date said I am sure Bethpage has conversations recorded and so do *** I will also be contacting you along with *** 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.***
In order for the Revdex.com to appropriately process your response, you MUST answer the question above
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
As a courtesy, the $late fee assessed on your loan account was waived and the funds were deposited
back into your checking account on 11/**/
Members are currently unable to pay down or payoff their loan online as there may be additional charges; we ask members to call so we can fully verify the amount with them and review the additional charges/fees if applicableThe loan account section of the Bethpage Online Banking profile contains a payoff calculator for members which contains a note that states, “This payoff is an estimate and does not include any applicable feesFor Home Equity Lines of Credit and Home Equity Loans, please call ###-###-#### to verify payoff figure.” We may offer the option to pay down or payoff a loan online in the future but it is currently noted online that members call if they would like to do either of these.
I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions
Regards,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 and resolve your complaintWe have reviewed the account in question in which the interest payment charge of $was
due 11/**/This due date was indicated on your October 2014, as well as your November 2014, statementAs the $was applied on 12/**/2014, after days, the overdue payment was reportedWe have sent a correction to the credit bureaus on 9/**/to have the overdue notice removed.I 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
As per our conversation on 11/**/15, we have stopped payment on the $check sent from your Bill Pay account to
payee “*** ***” on 9/*/These funds were deposited back into your checking account on 11/**/Upon review of your Bill Pay account, this check was mailed to the correct address for the payee and checks mailed since have been cashed by *** ***During our conversation I provided you with my email address for you to submit a bill from *** *** listing a summary of the late fees incurred on your accountI reached out to you on 12/*/as I have not yet received the billIf you would still like to submit this information, please reach out to me at the number below
I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions
Regards,Kelly D***Bethpage Federal Credit Union

Your correspondence addressed to the Revdex.com was received by Bethpage Federal Credit Union (“Bethpage”)I appreciate the opportunity to address your concernsWe have previously contacted you in writing on August *, 2015, February **, 2016, March *, 2016, March **, 2016, and March
**, In our first correspondence, we explained that Bethpage does allow for payments to be made online either through transfer or a Bill Pay servicePayments can also be made by mailOn February **, 2016, you received a copy of a letter addressed to the NYS Department of Financial Services which stated a final demand had been issued on your account and it had to be brought current in order for funds to be appliedOn March *, 2016, you received a second correspondence to the NYS Department of Financial Services which reiterated that the account must be brought current in order for funds to be applied or you could provide proof that you had sent in the fundsThe next correspondence on March **, stated the same information in regards to your NCUA caseOn March **, 2016, a letter was sent to the NYS Department of Financial Services stating that funds deposited into your Savings account were applied to the Mortgage account which removed the delinquencyThe letter also stated that the March balance of the loan was due at the time of your conversation with *** *** Currently, your account is in foreclosureWe recommend that you contact our Loss Mitigation Department in regards to this matterThey can be reached by email at *** or by phone at ###-###-#### extOption I appreciate the opportunity to review your concerns and hope this letter explains Bethpage Federal Credit Union’s efforts and actions

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 balance transfer in question in which your request was originally processed on
12/*/2016: On 12/*/2016, a balance transfer check was mailed to *** in the amount of $4,using the address you provided during your initial requestOn 1/*/you contacted our Card Member Services stating that *** had not yet received the balance transfer checkYou were advised that the original payment address provided for *** was not correctOn 1/*/2017, a stop payment was placed on the original balance transfer check and a new check in the amount of $4,was mailed to the new *** address provided by youOn 1/**/you called to check the status of the balance transfer check and were advised that it was too soon for the payment to have been received by ChaseOn 2/*/our Card Member Services received the second balance transfer check back as “undeliverable due to bad address (for Chase).”On 2/*/Card Member Services re-mailed the balance transfer check to the *** address on their website for Credit Card paymentsRegards, 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:
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,
*** ***

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 loan account in question and would like to see what your availability is to have an appraisal
completed by one of our appraisersWe reached out to you on 10/**/15, 10/**/15, and 11/*/at ###-###-####, the number listed in your correspondence, regarding the appraisal and PMI removal processIf you are still looking to move forward with this request, please contact usI 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