Moore's Body Shop

The loanliner “subsequent action” form is a multi-purpose form that is used by the credit union to communicate to members any changes that have been made to their loan accountsThe form is for credit union use only and not designed for members to use to communicate changes to the credit union loanIn this case one form was issued for a change in rate and another was issued when a due date change was madeThe “subsequent action” form does have a section that allows us to indicate to members that their request to add credit life and/or credit disability insurance has been completedThis section of the “subsequent action” form was never intended to be completed by the member and used as a request for credit life and credit disability servicesHowever after reviewing the forms we do believe it was Mrs [redacted] ’s intention to add payment protection to her loan in Therefore we have reached out to the insurance company that provides this service and they have agreed to allow Mrs [redacted] to file her claimIt will be up to the insurance carrier to approve the claimMrs [redacted] needs to contact [redacted] at the credit union immediately to aid us in the filing of her disability claim

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: 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] ***

The loanliner “subsequent action” form is a multi-purpose form that is used by the credit union to communicate to members any changes that have been made to their loan accountsThe form is for credit union use only and not designed for members to use to communicate changes to the credit union loanIn this case one form was issued for a change in rate and another was issued when a due date change was madeThe “subsequent action” form does have a section that allows us to indicate to members that their request to add credit life and/or credit disability insurance has been completedThis section of the “subsequent action” form was never intended to be completed by the member and used as a request for credit life and credit disability servicesHowever after reviewing the forms we do believe it was Mrs***’s intention to add payment protection to her loan in Therefore we have reached out to the insurance company that provides this service and they have agreed to allow Mrs*** to file her claimIt will be up to the insurance carrier to approve the claimMrs*** needs to contact ** *** at the credit union immediately to aid us in the filing of her disability claim

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***

To Whom It May Concern:
I did not check the box marked "Modification Agreement" it was done by TICFCU - and they processed that part of the form Therefore, when I selected the life and disability insurance options, it was my understanding someone at TICFCU would
check the box "Subsequent Election for Voluntary Payment Protection" when they saw I had made those selectionsand get back to me regarding electing those extra protections I think it is an extremely poor business practice on the part of Kinetic Federal Credit Union fka TIC Federal Credit Union to: 1) not go over the forms with their customers upon completion (this would have obviously been too much work for the representative I turned the form into - who DID look at the form in my presence; 2) not follwith their customers when it is clear that the customer has made an ellection other than the original intention of the form (when not addressed by the person taking the form from the customer); and 3) to act as if they are devoid of any culpability simply because I did not check the box titled "Subsequent Election for Voluntary Payment Protection" when it is beyond clear that my selecting the life and disability insurance options meant I wanted those extra protectionsI have reported Kinetics incompetence to State of Georgia agencies who are also looking into this matter as well as the Nation Credit Union Administration

Thank you for your membership at
KineticOne of our employees has contacted you today and offered a temporary
solution while we continue to work on this
issueYou agreed that emailing us
for the fee refunds was a good temporary solution until we can come up with a
more permanent resolution for our membersThank you again for your
understanding and patience and please let us know if you have any other
questions

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, 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,
*** ***