On January 19th, [redacted] signed as a joint owner on an account with [redacted] *** The following negative account notices were sent to [redacted] ***:January 5, 2017, January 17, 2017, January 25, February 8, 2017.As a joint owner Ms [redacted] is entitled to all information pertaining to the account held with [redacted] *** As a joint owner, Ms [redacted] is responsible for all fees associated with this account As presented in the documentation, multiple attempts were made to contact the member
Dear Revdex.com of Western Virginia, The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in Revdex.com ID # [redacted] The Supervisory Committee requested that the management of Member One Federal Credit Union review the above referenced case and provide its response for review and considerationAfter review of management’s response, the Committee has made the following determination: · Member One Federal Credit Union followed its established policies and procedures for check holds· The member (i.ecomplainant) was properly informed of the hold, and has acknowledged he was informed of the hold In addition, the date of the hold’s release was clearly stated on the member’s receipt· There is no basis to the member’s claim that Member One is withholding funds in order to earn interestThe Supervisory Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possible The process of ensuring a fair resolution is dependent upon an accurate and truthful explanation of events and circumstances Baseless or unsubstantiated claims are antithetical to that processThe Supervisory Committee of Member One Federal Credit Union would like to thank the Revdex.com of Western Virginia for bringing this matter to its attention Sincerely, [redacted] - Supervisory Committee Representative Member One Federal Credit Union
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 Their Agent did ask me to intimidate the co-signer, my housemate, into making an extra payment to help bring the loan closer to up-to-dateI did not do as they asked.Through my new, current Auto and House Insurance Agent, [redacted] of [redacted] ***, we found out the agency working for Member One is something called [redacted] [redacted] contacted them, and they asked to see declaration page documents covering the Kia for the period 6/2016-6/2017, and the cancellation of the policy on December 2, 2016.I immediately supplied both to [redacted] (see attached), and she sent them on to [redacted] [redacted] replied they would respond after they talked to [redacted] Insurance Company, my former Agent, to verify the documents.I am wondering why [redacted] did not have access to these through [redacted] CompanyPerhaps the [redacted] Company, whose owner [redacted] told me I "should tell him to go jump in a lake", when asked why my insurance was being cancelled by [redacted] , is the additional problemI was never contacted by anyone about the impending August $charge that was being added to the Loan Regards, [redacted]
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has received complaint ID # [redacted] The Committee has forwarded the complaint to the Credit Union's management for review and response The Committee recommended that management reach out to this member to provide explanation and clarification as needed It is the Committee's understanding that the communication process is in progress at the writing of this response Once a final resolution and understanding has been reached, a formal and final response will be provided.The Supervisory Committee appreciates the Revdex.com of Western Virginia for facilitating the complaint process and for its patience as a resolution is sought The Committee strives to be objective and impartial when reviewing member complaints and seeks fair resolutions when at all possibleSincerely, [redacted] - Supervisory Committee RepresentativeMember One Federal Credit Union
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Dear Revdex.com of Western Virginia,The Supervisory Committee has reviewed the complainant's response to the Committee's previous reply As a result, the Committee has contacted the responsible members of management and requested a status updateThe Supervisory Committee was able to confirm that as of today, April 5, 2016, the member has been contacted directly by management and that a mutually agreeable resolution has been reached Sincerely, [redacted] - Supervisory Committee RepresentativeMember One Federal Credit Union
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 Non-acceptance Response to MemberOne Response to MemberOne's Letter 10/11/Saturday, October 14, (Complete text in the attached pdf and jpegs) To Whom It May Concern: As I perceive it Not credible? As an example of their inappropriate and non-supportive business practices, which is making it nearly impossible to work quickly to payoff the Loan and get my car back: I got a HELOC from my [redacted] ***, pre-approved on Thursday, October 12, and [redacted] requested Payoff Letters as soon as possible to expedite the process, saving me Storage Fees at [redacted] And then this happened: No Payoff Letter was allowed to be picked up after being suggested by the Support Center Staff on Thursday, October 12, during one of my calls to them"At any MemberOne FCU branch", the staff Member suggested, which I agreed I would do on Friday, 13thSee attached JPEG for CREDIBILITYOther members became impatient with me as I needed to call back to ask further questions about the Logistics of getting a car back after Repossession I went to the [redacted] Branch and requested a Payoff Letter as required by my Bank's Loan Officer, [redacted] ***, at [redacted] ***, [redacted] , VirginiaHer contact information is: [redacted] *** This is all I got, from someone using broken EnglishSee "NoPayoffLetterAllowed.jpg" MemberOne's Supervisor [redacted] 's remark that I am not a Credible Person is what you have to deal with to get through their processesIt is insultingIf I am not Credible, why did [redacted] just award me a HELOC in the amount of $15,000? [redacted] I now request MemberOne stop the Storage Fees or be held liable for them from Friday the 13th onward until this is resolvedTheir delays are costing me unnecessary expensesAlso to waive the Repossession Fees Other remarks, as I perceive it I have a disability which makes it difficult to communicate effectively when being shamed, or having my "buttons pushed" around issues that make me uncomfortableI noticed that the MemberOne Call Center or Support Center, personnel were using collection techniques which subtly pushed our buttons as we revealed them to their supposedly caring inquiriesThat is why I had to ask them not to call me any more, but they could write me as many letters as necessary to convey their needsAfter I found out the Cosignee's had failed to make the car payments, and we were now being considered for repossession, on Monday October 2nd, I reopened the channel for telephone conversationsAccording to the repossession papers, that I did not see until the [redacted] Repo Company was at my doorstep, they had already issued the Repossession on Friday, September 29th, without contacting me by mail I NEVER RECEIVED A NOTICE TO REPOSSESS IN WRITING AS I HAD REQUESTED BE THE ACCEPTABLE MODE OF COMMUNICATING OF MEMBERONE'S REQUIREMENTS On Saturday Sept 30th, the Cosignee had given me a second amount of $245, but failed to tell me it was for making agreed upon car payments to MemberOneJust a misunderstanding and inability to make sound decisions on his own, although he was trying to communicate, amongst working long overnight hours at his [redacted] Traffic Directing Job I feel this constitutes special consideration and we should be awarded the opportunity to have the car back, even to go as far as saying without requiring the added expense of the Repossession or Storage Fees According to the Repossession sheet, MemberOne had given out the wrong car description as well as the wrong VINSo it looks like they have us also confused with othersThey got our names, addresses, Kia and the color Red correctThat is allIt also took business days to finally pickup the vehicle, and only after they had received my Revdex.com complaintIt did not arrive at the Auctioneers until the following Monday, which means it was dragged to [redacted] and then to [redacted] days later, using a ground contact methodThe [redacted] Towing Company they used [redacted] Here is the only "Repossession Notice" I was allowed to see, and I was only allowed to photograph it by the [redacted] Repossession Person on Friday, October 6: See "InaccurateRepoCompanyOrderToRepossess.jpg" In addition to them passively seeking buttons to push, to aggravate and make angry, when put on hold they played a song which kept saying over and over again "Sometimes things don't work out" while at the same time saying they were considering us to return the car and resume paymentsThey never said they were not returning the car, until the car had been picked up by [redacted] of [redacted] on Friday afternoon, Oct On Friday, October, 6, I had the $1200-they initially asked for saying they would return the car if we could pay that, last Monday, October days later after they implied they would remedy the situation, I had the cash They were lying and have lied several times since then about stopping the repossessing, and about returning the car October 14th: I repeat I now have a October 13, Preapproved HELOC to be paid off by [redacted] when ClosingLending Institution to Lending Institution communication is permitted Is that Credible Enough for MemberOne? Sincerely, [redacted] [redacted] , [redacted] Addendum After Receiving Notice on October 14, of Options via Certified Mail: Since it encircles the entire page, centrally located, this would tend to imply the writer means that all the text, including my name, address, etc, and car description, symbolically are excrement Another insulting way to do their business As I stated to your Member Solutions Staff at [redacted] several times during the weeks of October & 9, and to [redacted] ***, at the [redacted] Branch on October (when & where I was refused a Payoff Letter requested by my bank, suggested by the Support Center on the 12th), as soon as my pre-approved HELOC is allowed to Close, I intend to pay the full amount required by MemberOne to release the car to me, by way of my [redacted] representative, [redacted] *** Once again her contact information is: [redacted] AVP & Loan Officer [redacted] It is a real, professional Bank's method of Closing on a HELOC, by making the Payoff to the Debtors, themselves, in response to a Payoff Letter I'm required to have a MemberOne Letter showing I have paid off the Debt to retrieve the car at the [redacted] Is that going to take 5-business days as the Storage Fees steadily increase? By the way, this October 11th dated letter, received via Certified Mail on October 14th, is the first, and ONLY, notice I received of the car being RepossessedWe both received a copy of this noticeNeither of us were sent a Repossession Notice by regular mail or by Certified MailI receive ALL mail and distribute it to my house's occupantsMemberOne once again lied to the Revdex.com's representative, [redacted] , telling her they sent us noticeNow it's "He said She said" according to Ms [redacted] I disagree Sincerely, [redacted] [redacted]
Our company policy is: $for us to come out and diagnose the problem Once we find out what the problem is, the technician will let you know what it's going to cost to repair it If you choose to have the repair made thru us and it can be done the same day we will deduct the $ from your invoice Ms [redacted] called because her air conditioner runs, but wasn't going thru the ductwork We arrived at Ms [redacted] 's home and checked her air conditioner The blower was good which leads us to believe that the ductwork under the trailer must have come apart or collapsedWe removed the skirt from her trailer to access the ductwork underneath only to find that there was 3" of standing water under the trailerThis prevented us from getting under there to see the actual problem She told us that she's had the repair made before by someone elseThe technician explained to her that we couldn't do the repair because of the water and it needed to dry out under there just for us to get under there to see what the real problem is We would have to return a different day when it was dry so we can actually see the problem If someone had fixed it before and it happened again, there seems to be a bigger problem Ms [redacted] knew what was going on and she signed our work order and paid the $charge
Dear BBB of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in BBB ID # [redacted] . The Supervisory Committee requested that the management of Member One Federal Credit Union review the above referenced... case and provide its response for review and consideration.After reviewing management’s response, in conjunction with its own review, the Supervisory Committee has determined that Member One Federal Credit Union has followed all of its normal operating policies and procedures with regards to this case. Further, the Committee found no violations of applicable rules, regulations or laws with the handling of this case.It is the Committee’s understanding that a management representative will be contacting the member to provide further clarification and options for the member’s consideration.The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention. The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possibleSincerely, [redacted] - Supervisory Committee RepresentativeMember One Federal Credit UnionTell us why here...
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to meThis business has already taken action to resolve the matter satisfactorilyI will consider this complaint resolved Regards, [redacted] ***
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 I spoke to [redacted] of Member One on 1/2/I was advised by him that Member One takes business days to ensure the funds are thereI advised [redacted] that according to NACHA Operating Rules, the funds should have been available to Member One no later than four business days after 12/19/2017, the date of the depositNACHA is the association that sets rules and guidelines for the Automated Clearing House check processing systems banks useI advised [redacted] that the funds being unavailable to me means Member One withheld my funds for at least six business days [redacted] acknowledged that they use an Automated Clearing House to process their checks.Requests for information as to what actions were taken during the "float period" and for information on whether Member One earned interest on the funds during the processing period were deniedA request to receive any interest that was accrued by Member One through the use of my funds during processing was also denied [redacted] said that Member One acted in accordance with their account agreements and policies and, in an attempt to justify Member One's actions, made the observation that most banks do this to people.Member One acts like a criminal organizationWhen your bank has made it standard operating procedure and crafted agreements to foster and protect the withholding of funds on check deposits in order to earn interest, it is theftAccording to Virginia statutory law, theft is defined as any act that deprives an individual of their propertyMy belief is that if my bank is going to borrow money from me (called floating by industry terms), they are going to pay me interest to use my money, as it is not available to meConsumer beware! If you bank with Member One, they will withhold funds you have deposited by check, longer than it takes to process the transaction, in order to use your money without your permission! Regards, [redacted] ***
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
I was not told the car was being repossessed until I called in on October I had told them to write me how ever many letters they wanted to, but I could not continue to be hounded by their phone calls containing mistruthes designed to get me angry and yell at the cosignee.I was not made any offer until today, other than a fleeting proposal on Oct that if I paid all overdue amounts in full that very second, approx $950, they would consider stopping the repoI have that money today, week laterThe repo had already been issued according to a paper I was allowed to photograph at the repo site and time, Friday, October I could possibly get a HELOC with my bank, but they would need a clean non-day late blemish I offer by paying the $950, and as a second stage, appling for the remainder.The company uses unethical collection techniques designed to lure your confidence then destroy your self-esteem, little by littleI told them to resume by only writing me a one pointWE received NO WRITTEN NOTICES about these repo actions.They lied repeatedly to cover their mistruths and mistakes.The repo paper page did not have the correct car information on itI feared it was being stolenReporting this to MemberOne, they just said little or nothingi could only have a photo of itA sign they probably have us mixed up with other bums they service.They are at fault and are profiting as a result.I have other comments to make but time is restricting me
Regards,
*** ***
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
Regards,
*** ***
Issue is not resolved yetI requested statement showing all premiums for *** *** *** and I was only provided transactionsstarting in Oct I was told they could get further historyI still have not been provided exact amount that has been added to my loan for this insurance I NEVER neededI have always provided insurance information to Member OneI will be satisfied when these figures are provided, I'm refunded and I receive my car titleYou are doing your job and I appreciate your time
Dear Revdex.com of Western Virginia,
The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in Revdex.com ID # ***. The Committee's review and investigation concluded that all appropriate policies, procedures and applicable laws
were followed and adhered to, during the interactions at issue in the complaint referenced above
The Committee has requested that Member One Federal Credit Union's management contact this member as per the complaint's "Desired Settlement". However, as of the writing of this response, the member has not responded to any of the documented attempts to contact them
Sincerely,
*** *** - Supervisory Committee Representative
Member One Federal Credit Union
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.Yes, it appears the vehicle taken from us was then properly listed with the *** Thankyou for that much validation
The question that no documentation about the Repossession was received by me prior to Repossession, and more importantly at the time of Repossession by ***, and that they had been given the wrong vehicle Model and VIN, was not addressed by this response.Neither were any of the other credible points of my most recent letter to the Revdex.com, forwarded to MemberOne.If this cannot be resolved to my satisfaction, after I have reclaimed the vehicle by paying the amount required by MemberOne and by the Auctioneers for storage, I will be happy to discuss this further in Small Claims Court.I would be satisfied if: My request to have the Repossession Fees and Storage Fees waived, or taken care of by MemberOne, is honored with reclaim amount of approximately $being paid by my *** ** *** *** Representative, *** ***, to MemberOne, to satisfy *** ** *** *** HELOC Closing requirements
Regards,
*** ***
Dear Revdex.com of Western Virginia, The Supervisory Committee of Member One Federal Credit Union has reviewed the most recent response in regards to the complaint outlined in Revdex.com ID #***As the Committee requested, management of Member One Federal Credit Union has made contact with the complainantIt is the Committee’s understanding that, after further explanation and clarification, both parties are now satisfiedOnce again, the Supervisory Committee appreciates the opportunity to review complaints and provide resolution where possibleSincerely, *** *** - Supervisory Committee Representative Member One Federal Credit Union
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** *** The girl on the phone told me the $would be deducted from the repair bill. Nothing was said about it having to be on the same day as the first visit. I did not need a diagnostic since I knew and told them the duck pipe had just come lose and needed to be reconnectedThere was no inches of water under the house. The repair man said he did not bring the right tools to do the job. *** ***
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
I spoke to *** of Member One on 1/2/I was advised by him that Member One takes business days to ensure the funds are thereI advised *** that according to NACHA Operating Rules, the funds should have been available to Member One no later than four business days after 12/19/2017, the date of the depositNACHA is the association that sets rules and guidelines for the Automated Clearing House check processing systems banks useI advised *** that the funds being unavailable to me means Member One withheld my funds for at least six business days*** acknowledged that they use an Automated Clearing House to process their checks.Requests for information as to what actions were taken during the "float period" and for information on whether Member One earned interest on the funds during the processing period were deniedA request to receive any interest that was accrued by Member One through the use of my funds during processing was also denied*** said that Member One acted in accordance with their account agreements and policies and, in an attempt to justify Member One's actions, made the observation that most banks do this to people.Member One acts like a criminal organizationWhen your bank has made it standard operating procedure and crafted agreements to foster and protect the withholding of funds on check deposits in order to earn interest, it is theftAccording to Virginia statutory law, theft is defined as any act that deprives an individual of their propertyMy belief is that if my bank is going to borrow money from me (called floating by industry terms), they are going to pay me interest to use my money, as it is not available to meConsumer beware! If you bank with Member One, they will withhold funds you have deposited by check, longer than it takes to process the transaction, in order to use your money without your permission!
Regards,
*** ***
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit has reviewed complaint #***. The Committee requested that management reach out to the complainant to provide the requested clarification and explanation.The Supervisory Committee has been informed that the complainant has been contacted and is now satisfied with the Credit Union's response.As always, the Supervisory Committee appreciates the opportunity to help resolve misunderstandings when at all possible. Sincerely, *** *** - Supervisory Committee RepresentativeMember One Federal Credit Union
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in Revdex.com ID #***The Supervisory Committee requested that the management of Member One Federal Credit Union review the above referenced
case and provide its response for review and consideration.After reviewing management’s response, in conjunction with its own review, the Supervisory Committee has determined that Member One Federal Credit Union has followed all of its operating policies and procedures with regards to this case. Further, the Committee found no violations of applicable rules, regulations or laws with the handling of this case.It is the Committee’s understanding that a management representative will be contacting the member to provide further clarification and options for the member’s consideration.The Supervisory Committee of Member One Federal Credit Union would like to thank the Revdex.com of Western Virginia for bringing this matter to its attention. The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possibleSincerely,*** *** - Supervisory Committee RepresentativeMember One Federal Credit UnionTell us why here
On January 19th, [redacted] signed as a joint owner on an account with [redacted] *** The following negative account notices were sent to [redacted] ***:January 5, 2017, January 17, 2017, January 25, February 8, 2017.As a joint owner Ms [redacted] is entitled to all information pertaining to the account held with [redacted] *** As a joint owner, Ms [redacted] is responsible for all fees associated with this account As presented in the documentation, multiple attempts were made to contact the member
Dear Revdex.com of Western Virginia, The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in Revdex.com ID # [redacted] The Supervisory Committee requested that the management of Member One Federal Credit Union review the above referenced case and provide its response for review and considerationAfter review of management’s response, the Committee has made the following determination: · Member One Federal Credit Union followed its established policies and procedures for check holds· The member (i.ecomplainant) was properly informed of the hold, and has acknowledged he was informed of the hold In addition, the date of the hold’s release was clearly stated on the member’s receipt· There is no basis to the member’s claim that Member One is withholding funds in order to earn interestThe Supervisory Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possible The process of ensuring a fair resolution is dependent upon an accurate and truthful explanation of events and circumstances Baseless or unsubstantiated claims are antithetical to that processThe Supervisory Committee of Member One Federal Credit Union would like to thank the Revdex.com of Western Virginia for bringing this matter to its attention Sincerely, [redacted] - Supervisory Committee Representative Member One Federal Credit Union
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 Their Agent did ask me to intimidate the co-signer, my housemate, into making an extra payment to help bring the loan closer to up-to-dateI did not do as they asked.Through my new, current Auto and House Insurance Agent, [redacted] of [redacted] ***, we found out the agency working for Member One is something called [redacted] [redacted] contacted them, and they asked to see declaration page documents covering the Kia for the period 6/2016-6/2017, and the cancellation of the policy on December 2, 2016.I immediately supplied both to [redacted] (see attached), and she sent them on to [redacted] [redacted] replied they would respond after they talked to [redacted] Insurance Company, my former Agent, to verify the documents.I am wondering why [redacted] did not have access to these through [redacted] CompanyPerhaps the [redacted] Company, whose owner [redacted] told me I "should tell him to go jump in a lake", when asked why my insurance was being cancelled by [redacted] , is the additional problemI was never contacted by anyone about the impending August $charge that was being added to the Loan Regards, [redacted]
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has received complaint ID # [redacted] The Committee has forwarded the complaint to the Credit Union's management for review and response The Committee recommended that management reach out to this member to provide explanation and clarification as needed It is the Committee's understanding that the communication process is in progress at the writing of this response Once a final resolution and understanding has been reached, a formal and final response will be provided.The Supervisory Committee appreciates the Revdex.com of Western Virginia for facilitating the complaint process and for its patience as a resolution is sought The Committee strives to be objective and impartial when reviewing member complaints and seeks fair resolutions when at all possibleSincerely, [redacted] - Supervisory Committee RepresentativeMember One Federal Credit Union
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me I will wait for the business to perform this action and, if it does, will consider this complaint resolved Regards, [redacted]
Dear Revdex.com of Western Virginia,The Supervisory Committee has reviewed the complainant's response to the Committee's previous reply As a result, the Committee has contacted the responsible members of management and requested a status updateThe Supervisory Committee was able to confirm that as of today, April 5, 2016, the member has been contacted directly by management and that a mutually agreeable resolution has been reached Sincerely, [redacted] - Supervisory Committee RepresentativeMember One Federal Credit Union
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 Non-acceptance Response to MemberOne Response to MemberOne's Letter 10/11/Saturday, October 14, (Complete text in the attached pdf and jpegs) To Whom It May Concern: As I perceive it Not credible? As an example of their inappropriate and non-supportive business practices, which is making it nearly impossible to work quickly to payoff the Loan and get my car back: I got a HELOC from my [redacted] ***, pre-approved on Thursday, October 12, and [redacted] requested Payoff Letters as soon as possible to expedite the process, saving me Storage Fees at [redacted] And then this happened: No Payoff Letter was allowed to be picked up after being suggested by the Support Center Staff on Thursday, October 12, during one of my calls to them"At any MemberOne FCU branch", the staff Member suggested, which I agreed I would do on Friday, 13thSee attached JPEG for CREDIBILITYOther members became impatient with me as I needed to call back to ask further questions about the Logistics of getting a car back after Repossession I went to the [redacted] Branch and requested a Payoff Letter as required by my Bank's Loan Officer, [redacted] ***, at [redacted] ***, [redacted] , VirginiaHer contact information is: [redacted] *** This is all I got, from someone using broken EnglishSee "NoPayoffLetterAllowed.jpg" MemberOne's Supervisor [redacted] 's remark that I am not a Credible Person is what you have to deal with to get through their processesIt is insultingIf I am not Credible, why did [redacted] just award me a HELOC in the amount of $15,000? [redacted] I now request MemberOne stop the Storage Fees or be held liable for them from Friday the 13th onward until this is resolvedTheir delays are costing me unnecessary expensesAlso to waive the Repossession Fees Other remarks, as I perceive it I have a disability which makes it difficult to communicate effectively when being shamed, or having my "buttons pushed" around issues that make me uncomfortableI noticed that the MemberOne Call Center or Support Center, personnel were using collection techniques which subtly pushed our buttons as we revealed them to their supposedly caring inquiriesThat is why I had to ask them not to call me any more, but they could write me as many letters as necessary to convey their needsAfter I found out the Cosignee's had failed to make the car payments, and we were now being considered for repossession, on Monday October 2nd, I reopened the channel for telephone conversationsAccording to the repossession papers, that I did not see until the [redacted] Repo Company was at my doorstep, they had already issued the Repossession on Friday, September 29th, without contacting me by mail I NEVER RECEIVED A NOTICE TO REPOSSESS IN WRITING AS I HAD REQUESTED BE THE ACCEPTABLE MODE OF COMMUNICATING OF MEMBERONE'S REQUIREMENTS On Saturday Sept 30th, the Cosignee had given me a second amount of $245, but failed to tell me it was for making agreed upon car payments to MemberOneJust a misunderstanding and inability to make sound decisions on his own, although he was trying to communicate, amongst working long overnight hours at his [redacted] Traffic Directing Job I feel this constitutes special consideration and we should be awarded the opportunity to have the car back, even to go as far as saying without requiring the added expense of the Repossession or Storage Fees According to the Repossession sheet, MemberOne had given out the wrong car description as well as the wrong VINSo it looks like they have us also confused with othersThey got our names, addresses, Kia and the color Red correctThat is allIt also took business days to finally pickup the vehicle, and only after they had received my Revdex.com complaintIt did not arrive at the Auctioneers until the following Monday, which means it was dragged to [redacted] and then to [redacted] days later, using a ground contact methodThe [redacted] Towing Company they used [redacted] Here is the only "Repossession Notice" I was allowed to see, and I was only allowed to photograph it by the [redacted] Repossession Person on Friday, October 6: See "InaccurateRepoCompanyOrderToRepossess.jpg" In addition to them passively seeking buttons to push, to aggravate and make angry, when put on hold they played a song which kept saying over and over again "Sometimes things don't work out" while at the same time saying they were considering us to return the car and resume paymentsThey never said they were not returning the car, until the car had been picked up by [redacted] of [redacted] on Friday afternoon, Oct On Friday, October, 6, I had the $1200-they initially asked for saying they would return the car if we could pay that, last Monday, October days later after they implied they would remedy the situation, I had the cash They were lying and have lied several times since then about stopping the repossessing, and about returning the car October 14th: I repeat I now have a October 13, Preapproved HELOC to be paid off by [redacted] when ClosingLending Institution to Lending Institution communication is permitted Is that Credible Enough for MemberOne? Sincerely, [redacted] [redacted] , [redacted] Addendum After Receiving Notice on October 14, of Options via Certified Mail: Since it encircles the entire page, centrally located, this would tend to imply the writer means that all the text, including my name, address, etc, and car description, symbolically are excrement Another insulting way to do their business As I stated to your Member Solutions Staff at [redacted] several times during the weeks of October & 9, and to [redacted] ***, at the [redacted] Branch on October (when & where I was refused a Payoff Letter requested by my bank, suggested by the Support Center on the 12th), as soon as my pre-approved HELOC is allowed to Close, I intend to pay the full amount required by MemberOne to release the car to me, by way of my [redacted] representative, [redacted] *** Once again her contact information is: [redacted] AVP & Loan Officer [redacted] It is a real, professional Bank's method of Closing on a HELOC, by making the Payoff to the Debtors, themselves, in response to a Payoff Letter I'm required to have a MemberOne Letter showing I have paid off the Debt to retrieve the car at the [redacted] Is that going to take 5-business days as the Storage Fees steadily increase? By the way, this October 11th dated letter, received via Certified Mail on October 14th, is the first, and ONLY, notice I received of the car being RepossessedWe both received a copy of this noticeNeither of us were sent a Repossession Notice by regular mail or by Certified MailI receive ALL mail and distribute it to my house's occupantsMemberOne once again lied to the Revdex.com's representative, [redacted] , telling her they sent us noticeNow it's "He said She said" according to Ms [redacted] I disagree Sincerely, [redacted] [redacted]
Our company policy is: $for us to come out and diagnose the problem Once we find out what the problem is, the technician will let you know what it's going to cost to repair it If you choose to have the repair made thru us and it can be done the same day we will deduct the $ from your invoice Ms [redacted] called because her air conditioner runs, but wasn't going thru the ductwork We arrived at Ms [redacted] 's home and checked her air conditioner The blower was good which leads us to believe that the ductwork under the trailer must have come apart or collapsedWe removed the skirt from her trailer to access the ductwork underneath only to find that there was 3" of standing water under the trailerThis prevented us from getting under there to see the actual problem She told us that she's had the repair made before by someone elseThe technician explained to her that we couldn't do the repair because of the water and it needed to dry out under there just for us to get under there to see what the real problem is We would have to return a different day when it was dry so we can actually see the problem If someone had fixed it before and it happened again, there seems to be a bigger problem Ms [redacted] knew what was going on and she signed our work order and paid the $charge
Dear BBB of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in BBB ID # [redacted] . The Supervisory Committee requested that the management of Member One Federal Credit Union review the above referenced... case and provide its response for review and consideration.After reviewing management’s response, in conjunction with its own review, the Supervisory Committee has determined that Member One Federal Credit Union has followed all of its normal operating policies and procedures with regards to this case. Further, the Committee found no violations of applicable rules, regulations or laws with the handling of this case.It is the Committee’s understanding that a management representative will be contacting the member to provide further clarification and options for the member’s consideration.The Supervisory Committee of Member One Federal Credit Union would like to thank the BBB of Western Virginia for bringing this matter to its attention. The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possibleSincerely, [redacted] - Supervisory Committee RepresentativeMember One Federal Credit UnionTell us why here...
I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to meThis business has already taken action to resolve the matter satisfactorilyI will consider this complaint resolved Regards, [redacted] ***
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 I spoke to [redacted] of Member One on 1/2/I was advised by him that Member One takes business days to ensure the funds are thereI advised [redacted] that according to NACHA Operating Rules, the funds should have been available to Member One no later than four business days after 12/19/2017, the date of the depositNACHA is the association that sets rules and guidelines for the Automated Clearing House check processing systems banks useI advised [redacted] that the funds being unavailable to me means Member One withheld my funds for at least six business days [redacted] acknowledged that they use an Automated Clearing House to process their checks.Requests for information as to what actions were taken during the "float period" and for information on whether Member One earned interest on the funds during the processing period were deniedA request to receive any interest that was accrued by Member One through the use of my funds during processing was also denied [redacted] said that Member One acted in accordance with their account agreements and policies and, in an attempt to justify Member One's actions, made the observation that most banks do this to people.Member One acts like a criminal organizationWhen your bank has made it standard operating procedure and crafted agreements to foster and protect the withholding of funds on check deposits in order to earn interest, it is theftAccording to Virginia statutory law, theft is defined as any act that deprives an individual of their propertyMy belief is that if my bank is going to borrow money from me (called floating by industry terms), they are going to pay me interest to use my money, as it is not available to meConsumer beware! If you bank with Member One, they will withhold funds you have deposited by check, longer than it takes to process the transaction, in order to use your money without your permission! Regards, [redacted] ***
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
I was not told the car was being repossessed until I called in on October I had told them to write me how ever many letters they wanted to, but I could not continue to be hounded by their phone calls containing mistruthes designed to get me angry and yell at the cosignee.I was not made any offer until today, other than a fleeting proposal on Oct that if I paid all overdue amounts in full that very second, approx $950, they would consider stopping the repoI have that money today, week laterThe repo had already been issued according to a paper I was allowed to photograph at the repo site and time, Friday, October I could possibly get a HELOC with my bank, but they would need a clean non-day late blemish I offer by paying the $950, and as a second stage, appling for the remainder.The company uses unethical collection techniques designed to lure your confidence then destroy your self-esteem, little by littleI told them to resume by only writing me a one pointWE received NO WRITTEN NOTICES about these repo actions.They lied repeatedly to cover their mistruths and mistakes.The repo paper page did not have the correct car information on itI feared it was being stolenReporting this to MemberOne, they just said little or nothingi could only have a photo of itA sign they probably have us mixed up with other bums they service.They are at fault and are profiting as a result.I have other comments to make but time is restricting me
Regards,
*** ***
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
Regards,
*** ***
Issue is not resolved yetI requested statement showing all premiums for *** *** *** and I was only provided transactionsstarting in Oct I was told they could get further historyI still have not been provided exact amount that has been added to my loan for this insurance I NEVER neededI have always provided insurance information to Member OneI will be satisfied when these figures are provided, I'm refunded and I receive my car titleYou are doing your job and I appreciate your time
Dear Revdex.com of Western Virginia,
The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in Revdex.com ID # ***. The Committee's review and investigation concluded that all appropriate policies, procedures and applicable laws
were followed and adhered to, during the interactions at issue in the complaint referenced above
The Committee has requested that Member One Federal Credit Union's management contact this member as per the complaint's "Desired Settlement". However, as of the writing of this response, the member has not responded to any of the documented attempts to contact them
Sincerely,
*** *** - Supervisory Committee Representative
Member One Federal Credit Union
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.Yes, it appears the vehicle taken from us was then properly listed with the *** Thankyou for that much validation
The question that no documentation about the Repossession was received by me prior to Repossession, and more importantly at the time of Repossession by ***, and that they had been given the wrong vehicle Model and VIN, was not addressed by this response.Neither were any of the other credible points of my most recent letter to the Revdex.com, forwarded to MemberOne.If this cannot be resolved to my satisfaction, after I have reclaimed the vehicle by paying the amount required by MemberOne and by the Auctioneers for storage, I will be happy to discuss this further in Small Claims Court.I would be satisfied if: My request to have the Repossession Fees and Storage Fees waived, or taken care of by MemberOne, is honored with reclaim amount of approximately $being paid by my *** ** *** *** Representative, *** ***, to MemberOne, to satisfy *** ** *** *** HELOC Closing requirements
Regards,
*** ***
Dear Revdex.com of Western Virginia, The Supervisory Committee of Member One Federal Credit Union has reviewed the most recent response in regards to the complaint outlined in Revdex.com ID #***As the Committee requested, management of Member One Federal Credit Union has made contact with the complainantIt is the Committee’s understanding that, after further explanation and clarification, both parties are now satisfiedOnce again, the Supervisory Committee appreciates the opportunity to review complaints and provide resolution where possibleSincerely, *** *** - Supervisory Committee Representative Member One Federal Credit Union
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
[To assist us in bringing this matter to a close, we would like to know your view on the matter.]
Regards,
*** *** The girl on the phone told me the $would be deducted from the repair bill. Nothing was said about it having to be on the same day as the first visit. I did not need a diagnostic since I knew and told them the duck pipe had just come lose and needed to be reconnectedThere was no inches of water under the house. The repair man said he did not bring the right tools to do the job. *** ***
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
I spoke to *** of Member One on 1/2/I was advised by him that Member One takes business days to ensure the funds are thereI advised *** that according to NACHA Operating Rules, the funds should have been available to Member One no later than four business days after 12/19/2017, the date of the depositNACHA is the association that sets rules and guidelines for the Automated Clearing House check processing systems banks useI advised *** that the funds being unavailable to me means Member One withheld my funds for at least six business days*** acknowledged that they use an Automated Clearing House to process their checks.Requests for information as to what actions were taken during the "float period" and for information on whether Member One earned interest on the funds during the processing period were deniedA request to receive any interest that was accrued by Member One through the use of my funds during processing was also denied*** said that Member One acted in accordance with their account agreements and policies and, in an attempt to justify Member One's actions, made the observation that most banks do this to people.Member One acts like a criminal organizationWhen your bank has made it standard operating procedure and crafted agreements to foster and protect the withholding of funds on check deposits in order to earn interest, it is theftAccording to Virginia statutory law, theft is defined as any act that deprives an individual of their propertyMy belief is that if my bank is going to borrow money from me (called floating by industry terms), they are going to pay me interest to use my money, as it is not available to meConsumer beware! If you bank with Member One, they will withhold funds you have deposited by check, longer than it takes to process the transaction, in order to use your money without your permission!
Regards,
*** ***
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit has reviewed complaint #***. The Committee requested that management reach out to the complainant to provide the requested clarification and explanation.The Supervisory Committee has been informed that the complainant has been contacted and is now satisfied with the Credit Union's response.As always, the Supervisory Committee appreciates the opportunity to help resolve misunderstandings when at all possible. Sincerely, *** *** - Supervisory Committee RepresentativeMember One Federal Credit Union
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has independently reviewed and investigated the complaint outlined in Revdex.com ID #***The Supervisory Committee requested that the management of Member One Federal Credit Union review the above referenced
case and provide its response for review and consideration.After reviewing management’s response, in conjunction with its own review, the Supervisory Committee has determined that Member One Federal Credit Union has followed all of its operating policies and procedures with regards to this case. Further, the Committee found no violations of applicable rules, regulations or laws with the handling of this case.It is the Committee’s understanding that a management representative will be contacting the member to provide further clarification and options for the member’s consideration.The Supervisory Committee of Member One Federal Credit Union would like to thank the Revdex.com of Western Virginia for bringing this matter to its attention. The Committee is always concerned when disputes arise, and appreciates the opportunity to address and resolve them, when at all possibleSincerely,*** *** - Supervisory Committee RepresentativeMember One Federal Credit UnionTell us why here