Dear Revdex.com of Western Virginia,
The Supervisory Committee of Member One Federal Credit Union is an independent committee charged with impartially, and objectively reviewing member complaints and disputes.
The Supervisory Committee has reviewed and investigated the complaint outlined in Revdex.com...
ID # [redacted]. 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 listened to the recordings of the telephone interactions in question and found the member's complaint to be without merit. However, per the member's request, we have requested that management contact this member to provide feedback and answer any questions she may have. It is the Committee's understanding that the member has been contacted and that all pertinent matters have been explained.
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 possible.
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.Yes, it appears the vehicle taken from us was then properly listed with the [redacted] 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 [redacted], 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 $7200.99 being paid by my [redacted] Representative, [redacted], to MemberOne, to satisfy [redacted] HELOC Closing requirements.
Regards,
[redacted]
Our company policy is: $79 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 $79...
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 collapsed. We removed the
skirt from her trailer to access the ductwork underneath only to find that
there was 3" of standing water under the trailer. This prevented us
from getting under there to see the actual problem. She told us that
she's had the repair made before by someone else. The 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 $79 charge.
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]
On January 19th, 2013 [redacted] signed as a joint owner on an account with [redacted]. The following negative account notices were sent to 4[redacted]:January 5, 2017, January 17, 2017, January 25, 2017 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.
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 10/11/2017 Saturday, October 14, 2017 (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, 2017 … 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, 2017 during one of my calls to them. "At any MemberOne FCU branch", the staff Member suggested, which I agreed I would do on Friday, 13th. See attached JPEG for CREDIBILITY. Other 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], Virginia. Her contact information is: [redacted] This is all I got, from someone using broken English. See "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 processes. It is insulting. If 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 resolved. Their delays are costing me unnecessary expenses. Also 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 uncomfortable. I 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 inquiries. That 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 needs. After 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 conversations. According 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 MemberOne. Just 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 VIN. So it looks like they have us also confused with others. They got our names, addresses, Kia and the color Red correct. That is all. It also took 5 business days to finally pickup the vehicle, and only after they had received my Revdex.com complaint. It did not arrive at the Auctioneers until the following Monday, which means it was dragged to [redacted] and then to [redacted] 3 days later, using a ground contact method. The [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 payments. They never said they were not returning the car, until the car had been picked up by [redacted] of [redacted] on Friday afternoon, Oct 6. On Friday, October, 6, I had the $1200-1500 they initially asked for saying they would return the car if we could pay that, last Monday, October 2. 5 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, 2017 Preapproved HELOC to be paid off by [redacted] when Closing. Lending 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 2 & 9, and to [redacted], at the [redacted] Branch on October 13 (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 5-10 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 Repossessed. We both received a copy of this notice. Neither of us were sent a Repossession Notice by regular mail or by Certified Mail. I receive ALL mail and distribute it to my house's occupants. MemberOne once again lied to the Revdex.com's representative, [redacted], telling her they sent us notice. Now it's "He said She said" according to Ms. [redacted]. I disagree. Sincerely, [redacted] [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 possible. Sincerely,[redacted] - 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 #[redacted]. Based on its review and investigation, the Supervisory Committee has determined that Member One Federal Credit Union...
(MOFCU) has followed all its stated policies and procedures. The Committee has also determined that the terms and conditions of the loan in question were properly disclosed to, and acknowledged by, the member. Finally, after reviewing all records and documentation, the Committee found no evidence of bullying or threatening behavior and has determined that those assertions are unfounded. The Supervisory Committee has requested that the management of MOFCU reach out to this member to provide any further explanations or clarifications that may be necessary. 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 possible. Sincerely, [redacted] - Supervisory Committee Representative Member 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 #[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 review of management’s response, it is the Committee’s understanding that the complaint at issue has been resolved and that the member is now satisfied. 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 possible Sincerely, [redacted] - Supervisory Committee Representative Member 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 #[redacted]. The Committee has requested that Member One Federal Credit Union's management contact this member per the complaint's...
"Desired Settlement". It is the Committee's understanding that this member has been contacted and that all issues and complaints have been resolved.The Supervisory Committee 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 them, when at all possible.Sincerely,[redacted] - 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 #[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 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,[redacted] - Supervisory Committee RepresentativeMember One Federal Credit UnionTell us why here...
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 update. The 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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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,
[redacted] The girl on the phone told me the $79.00 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 reconnected. There was no 3 inches of water under the house. The repair man said he did not bring the right tools to do the job. [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 1/2/2018. I was advised by him that Member One takes 10 business days to ensure the funds are there. I 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 deposit. NACHA is the association that sets rules and guidelines for the Automated Clearing House check processing systems banks use. I 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 denied. A 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 organization. When 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 theft. According to Virginia statutory law, theft is defined as any act that deprives an individual of their property. My 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 me. Consumer 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 [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-date. I 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] Company. Perhaps 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 problem. I was never contacted by anyone about the impending August $1500 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 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 consideration. After 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.e. complainant) 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 interest. The 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 process. 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 Sincerely, [redacted] - Supervisory Committee Representative Member 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. This business has already taken action to resolve the matter satisfactorily. I will consider this complaint resolved.
Regards,
[redacted]
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has received and researched complaint #[redacted]. The Committee requested that the management of Member One review the complaint and provide a response as soon as possible. The Committee has...
been informed that management has contacted the complainant, and that a mutually agreeable resolution has been reached and that the member is now satisfied.The Supervisory Committee appreciates the opportunity to review and respond to disputes when they arise. The Committee strives to act as an independent, impartial mediator and provide fair resolutions when at all possible. Sincerely,[redacted] - Supervisory Committee RepresentativeMember One Federal Credit Union
I am writing to let you know Ray from harder has contacted me he said my money is in the mail and he's working on getting my unit fixed! So I would like to close my original complaint I did not know how to do it without starting a new one
Dear Revdex.com of Western Virginia,
The Supervisory Committee of Member One Federal Credit Union is an independent committee charged with impartially, and objectively reviewing member complaints and disputes.
The Supervisory Committee has reviewed and investigated the complaint outlined in Revdex.com...
ID # [redacted]. 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 listened to the recordings of the telephone interactions in question and found the member's complaint to be without merit. However, per the member's request, we have requested that management contact this member to provide feedback and answer any questions she may have. It is the Committee's understanding that the member has been contacted and that all pertinent matters have been explained.
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 possible.
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.Yes, it appears the vehicle taken from us was then properly listed with the [redacted] 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 [redacted], 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 $7200.99 being paid by my [redacted] Representative, [redacted], to MemberOne, to satisfy [redacted] HELOC Closing requirements.
Regards,
[redacted]
Our company policy is: $79 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 $79...
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 collapsed. We removed the
skirt from her trailer to access the ductwork underneath only to find that
there was 3" of standing water under the trailer. This prevented us
from getting under there to see the actual problem. She told us that
she's had the repair made before by someone else. The 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 $79 charge.
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]
On January 19th, 2013 [redacted] signed as a joint owner on an account with [redacted]. The following negative account notices were sent to 4[redacted]:January 5, 2017, January 17, 2017, January 25, 2017 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.
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 10/11/2017 Saturday, October 14, 2017 (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, 2017 … 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, 2017 during one of my calls to them. "At any MemberOne FCU branch", the staff Member suggested, which I agreed I would do on Friday, 13th. See attached JPEG for CREDIBILITY. Other 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], Virginia. Her contact information is: [redacted] This is all I got, from someone using broken English. See "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 processes. It is insulting. If 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 resolved. Their delays are costing me unnecessary expenses. Also 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 uncomfortable. I 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 inquiries. That 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 needs. After 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 conversations. According 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 MemberOne. Just 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 VIN. So it looks like they have us also confused with others. They got our names, addresses, Kia and the color Red correct. That is all. It also took 5 business days to finally pickup the vehicle, and only after they had received my Revdex.com complaint. It did not arrive at the Auctioneers until the following Monday, which means it was dragged to [redacted] and then to [redacted] 3 days later, using a ground contact method. The [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 payments. They never said they were not returning the car, until the car had been picked up by [redacted] of [redacted] on Friday afternoon, Oct 6. On Friday, October, 6, I had the $1200-1500 they initially asked for saying they would return the car if we could pay that, last Monday, October 2. 5 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, 2017 Preapproved HELOC to be paid off by [redacted] when Closing. Lending 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 2 & 9, and to [redacted], at the [redacted] Branch on October 13 (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 5-10 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 Repossessed. We both received a copy of this notice. Neither of us were sent a Repossession Notice by regular mail or by Certified Mail. I receive ALL mail and distribute it to my house's occupants. MemberOne once again lied to the Revdex.com's representative, [redacted], telling her they sent us notice. Now it's "He said She said" according to Ms. [redacted]. I disagree. Sincerely, [redacted] [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 possible. Sincerely,[redacted] - 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 #[redacted]. Based on its review and investigation, the Supervisory Committee has determined that Member One Federal Credit Union...
(MOFCU) has followed all its stated policies and procedures. The Committee has also determined that the terms and conditions of the loan in question were properly disclosed to, and acknowledged by, the member. Finally, after reviewing all records and documentation, the Committee found no evidence of bullying or threatening behavior and has determined that those assertions are unfounded. The Supervisory Committee has requested that the management of MOFCU reach out to this member to provide any further explanations or clarifications that may be necessary. 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 possible. Sincerely, [redacted] - Supervisory Committee Representative Member 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 #[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 review of management’s response, it is the Committee’s understanding that the complaint at issue has been resolved and that the member is now satisfied. 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 possible Sincerely, [redacted] - Supervisory Committee Representative Member 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 #[redacted]. The Committee has requested that Member One Federal Credit Union's management contact this member per the complaint's...
"Desired Settlement". It is the Committee's understanding that this member has been contacted and that all issues and complaints have been resolved.The Supervisory Committee 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 them, when at all possible.Sincerely,[redacted] - 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 #[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 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,[redacted] - Supervisory Committee RepresentativeMember One Federal Credit UnionTell us why here...
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 update. The 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
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], 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,
[redacted] The girl on the phone told me the $79.00 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 reconnected. There was no 3 inches of water under the house. The repair man said he did not bring the right tools to do the job. [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 1/2/2018. I was advised by him that Member One takes 10 business days to ensure the funds are there. I 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 deposit. NACHA is the association that sets rules and guidelines for the Automated Clearing House check processing systems banks use. I 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 denied. A 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 organization. When 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 theft. According to Virginia statutory law, theft is defined as any act that deprives an individual of their property. My 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 me. Consumer 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 [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-date. I 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] Company. Perhaps 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 problem. I was never contacted by anyone about the impending August $1500 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 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 consideration. After 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.e. complainant) 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 interest. The 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 process. 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 Sincerely, [redacted] - Supervisory Committee Representative Member 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. This business has already taken action to resolve the matter satisfactorily. I will consider this complaint resolved.
Regards,
[redacted]
Dear Revdex.com of Western Virginia,The Supervisory Committee of Member One Federal Credit Union has received and researched complaint #[redacted]. The Committee requested that the management of Member One review the complaint and provide a response as soon as possible. The Committee has...
been informed that management has contacted the complainant, and that a mutually agreeable resolution has been reached and that the member is now satisfied.The Supervisory Committee appreciates the opportunity to review and respond to disputes when they arise. The Committee strives to act as an independent, impartial mediator and provide fair resolutions when at all possible. Sincerely,[redacted] - Supervisory Committee RepresentativeMember One Federal Credit Union
I am writing to let you know Ray from harder has contacted me he said my money is in the mail and he's working on getting my unit fixed! So I would like to close my original complaint I did not know how to do it without starting a new one