Municipal Credit Union

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] It looks like the MCU do not want to work with you because they was wrong But as I told you L letter went to the the Office of Attorney General OfficeWhy can't you resolved this matter They was wrong and I am not going to stop until Justice is done In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted]

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

The member's account is a charged off account and MCU has the right to off-set this charge off with deposited fundsAny funds deposited into the account can be applied towards covering the delinquent loan that was unpaidThe member currently has full access to her account, but again MCU reserves the right to off-set the delinquent loan that has been charged off with deposited funds

The method in which we charge insufficient funds fees and other fees are stated within the schedule of dividends, service charges and fees that all members receive when they open their account The schedule is also accessible at any time on our website: [redacted]

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

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: In response to MCU, the said company is missing the bigger pictureThe information was provided after months of inquiry and being given the run around by your staff which led me to seek help from Revdex.com Only then, they began to investigate MCU was not helping me to recover my check I didn't even receive any phone calls from them even though I contacted them on numerous occasions trying to find out the status of the missing check In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

Although the member has indicated that MCU has already contacted her regarding this complaint in regards to credit inquiries being made, the complaint has been filed a second time for further review Once we have more detailed information regarding their issue, we will update this member accordingly

On 617, MCU notified the member via email that the checking account was credited on for $ We consider this matter resolved

We apologize for this issue regarding your account I have forwarded the complaint to the appropriate parties at MCU, who will log the complaint and provide me with additional informationOnce info is received, I will provide update

MCU stands by the decision made based on the information given to us by [redacted] and [redacted] ***s, which shows proof of stay at the Radisson from 2-*-to 2-*-16, 2-*-to 2-*-16, and 2-*-to 2-**- The appeal made to MCU by the member was denied after extensive review, and MCU considers the matter to be closed See attached letter sent on 6-*-regarding MCU's decision on the appeal

Revdex.com: I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: [Your Answer Here] The MCU collections department is not being honest with their replyI am unsatisfied and would like my complaint to be investigated under the Fair Credit Reporting ActThe Bank Statement clearly shows that there is a $balance on this account due to the charge off statusI am once again asking for MCU to comply with FCRA and to update the information being inaccurately reported to the credit bureausThe account was charged offI would like the balance to reflect the charge off statusAdditionally, at no time have I received a written settlement offer from MCUIf the banks claims are true, please forward a copy of the written settlement letter offered to me.Sincerely, [redacted] In order for the Revdex.com to appropriately process your response, you MUST answer the question above Sincerely, [redacted] ***

We have researched your concern and determined the following MCU has obtained satisfactory appraisal supported the estimated value for your unit (**) at the time of inspection in July Upon further review and conversation with the appraiser, the comparables were the best available at such time There was limited inventory of bedroom condominiums similar to subject complex and unit MCU is required to have the appraisals distributed through an independent party The second appraisal for the unit above, ***, done months later in 11/was also supported with satisfactory comps at said time There were no recent sales within the complex that were able to be used in both appraisals Both appraisal reports were completed by different companies therefore there will be a difference in value The market conditions and time of sales are factors that will affect the overall valueIn the case of a cash out refinance, there is a 80% maximum LTV Mortgage financing exceeding 80% LTV requires PMI which is not available to obtain for a cash out refinance transaction We hope the aforementioned has provided clarification regarding the property value and mortgage financing of your property

A letter of response was sent to the member August [redacted] regarding this issue A summary of the letter can be found below with information pertaining to this complaint:· September [redacted] 2015, the member approved for a loan with a minimum monthly payment due of $on the first of every month starting in October [redacted] Per your contract, if the member prepays any amount owed, they are still required to make the regularly scheduled payment.· The first payments of $posted on the account on September [redacted] 2015, October [redacted] and December [redacted] This satisfied the due dates of October [redacted] 2015, November [redacted] and December [redacted] respectively.· January *, 2016, a payment of $was made, which satisfied the January [redacted] and February [redacted] due dates.· A payment of $posted to the member account on January [redacted] and February ***, 2016, satisfying the due dates of March [redacted] and April ***, April **, a payment of $posted to the member account satisfying the due dates of May ***, and June ***, If a member is late more than ten days on their loan, any monies that go into deposit accounts will be swept to take care of the delinquent past due on the loanThe member was due for a payment for July *, and since no payment was received, their account was debited $from the share account and $from the checking account on July **, This satisfied the July ***, payment due and then on July **, a check payment was posted on the member account for $satisfying the August *, paymentAs of the writing of this letter you are current with a payment due on September *,

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me and the matter has been resolvedYou are truly amazing people and my heroes Sincerely, [redacted] ***

January 21, 2016Complaint #11084644John Robert [redacted] - Chicago has been servicing since the 1970’s Each John Robert [redacted] office is individually owned and operated, Colleen [redacted] , has owned this franchise since Ms [redacted] contacted John Robert [redacted] -Chicago by inquiring through Facebook about our services On December 12th, 2015, Ms [redacted] , along with her children Brock and Amya attended a John Robert [redacted] seminar explaining the history of John Robert [redacted] , who we are, what we do, and the procedure to follow Ms [redacted] was given written information which included details of our services, a few of our many success stories and the fees for our services.Ms [redacted] was asked to “go home and read the packet from cover to cover” before we spoke with her later that day.On the call that evening, one of the first questions we asked is “Did you read the packet of information that was sent home?” Since the answer was “yes” after further conversation an appointment was scheduledMs [redacted] proceeded to schedule an appointment for 6:30pm the following evening, December 13th, to move forward in the registration process with both of her children Ms [redacted] was prepared to move forward, she registered both of her children into our Level 1, TV Acting rehearsals/showcaseDuring the meeting, a seat was held for each child by signing an Enrollment Agreement for each child dated December 13, (Exhibit A/B)The Total Amount for each child was $which includes a $Non-refundable Registration Fee and $Program FeeA down payment was made in the amount of $on each Enrollment Agreement for each childMs [redacted] did not have the ability to pay for each enrollment up front; we graciously allowed her to pay the balance of each enrollment with payments at $on each child She also signed and acknowledged the Orientation Rules and Regulation form saying that she went through Orientation and Rules and Regulations.On December 16th, John Robert [redacted] -Chicago received a certified letter from Ms [redacted] Her letter stated she wanted to cancel saying, “I am writing this letter to inform you that as of 12/16/I am cancelling our Enrollment Agreement, this is for Amya and Brock Hopkins It is currently 7:30am, and I really want to say I appreciate the opportunity and may consider this option in the future, but as of right now and doing some research we will explore other options ” (Exhibit C)Each Enrollment Agreement is a legally binding contract, under The Cancellation Policy which Ms [redacted] signed and agreed to clearly states: “Provided no orientation or services have taken place, this contract may be cancelled within hours of its execution by mailing a certified letter to the address aboveThe agreement can not be cancelled verbally No deduction or refund of tuition shall be made by reason of a client’s absence If a certified letter is postmarked within hours of execution date, JRP will refund monies paid in excess of the $Non-refundable Registration fee.” (Exhibit A/B)A letter was sent back to Ms [redacted] stating we cancelled her contracts with John Robert [redacted] -Chicago and would release her from the balance of her obligation(Exhibit D)On December 30th, we called Ms [redacted] and discovered the reason for cancelling the Enrollment Agreement’s was financial She could not afford the payment plan which she agreed to As an act of good faith, JRP offered that the $non-refundable registration fee could be applied toward a future showcase or one child could attend this showcase and the other child could attend a showcase in the future She declined this offer.Ms [redacted] requested that the National Director, Colleen [redacted] speak to her Colleen left several voice mail messages for Ms [redacted] Colleen called on January 6th, January 7th and January 14th, Ms [redacted] did not return any of her messages Instead of returning the call to try to resolve the issue, she chose to write the Revdex.com and complain about our company not being up front about our services This is very offensiveWe work very hard and take pride in our A+ rating with the Revdex.com There was absolutely no information All information was factual and in writing, signed and agreed to by Ms [redacted] In fact Ms [redacted] ’s only complaint is that we are following the terms of our contract that both parties signed and agreed to, including the fact that we have released Ms [redacted] from the balance of the obligation because she chose to use the Cancellation Policy.We don’t know what she is speaking about stating we did not disclose important information up front causing her to sign up for our services under information There was no information Everything stated in the seminar and on all of the paperwork is accurate and trueMs [redacted] signed the Enrollment Agreement’s which state very clearly in two places we have a $Non-refundable registration fee When we tried to work with Ms [redacted] , she declined our offer.There is neither deception nor fraudulent claims made by John Robert [redacted] -Chicago John Robert [redacted] -Chicago has gone above and beyond what the Enrollment Agreement calls for in the Cancellation Policy by offering to work with one child at a time.Ms [redacted] claims that we “took $and will not return it” We are following our contract by honoring the cancellation letter as well as the registration fee JRP stands by its Enrollment Agreement which is a legally binding contract between both parties Ms [redacted] also threatens, “I want the world to know about them” JRP demands Ms [redacted] cease and desist with her accusations and claims before this turns into a legal issue.No refund is due Ms [redacted] , our offer to allow her to use the non-refundable fee still holds for one year from the date of her initial registration We have honored the contract and consider this matter resolved

Per internal review from our collections department, the account was coded bankruptcy on You're notresponsible for the negative balance in the checking account since it was discharged on 715, The negative balance on the account of -$will remain as is and will not be a $balance but is considered a loss to the Credit Union After reviewing the history on your account, there were no transactions that were taken from another account to this to satisfy the negative balance after the bankruptcy was filed You will not be able to use the savings and the checkingaccount but you can make payments directly to the Auto loan

Revdex.com:I have reviewed the response made by the business in reference to complaint ID# [redacted] , and have determined that my complaint has NOT been resolved because: Your Institution practices will Never be ok with me I do not want anyone from your Institution KNOCKING ON MY DOOR, regardless of what practice you have I come into MCU every month to make a payment The problem is it is not enough for you, I am still making an effort I also came into MCU a week before someone from your Institution knock on my door I make every effort to make a payment It have got to be illigal to stop someone access to their hard earn money because they fall behind with their payments I am anxiously awaiting a Class Action Lawsuit against your organization I will gladly help in evey way I can to make sure you pay for your inhuman practices In order for the Revdex.com to appropriately process your response, you MUST answer the question above.Sincerely, [redacted] ***

We sincerely apologize for the poor customer experience that the member had If the member had funds in their account at the time of account closure, and has yet to receive those funds back from us, they can contact me directly via email at [redacted] , and we can rectify that issue

The member filed a claim for the $266.68, saying that the charge made was not authorized by her and that $would have covered the smaller charges she made When [redacted] attempted to collect $and $on 2/**, the transactions were both returned causing her NSF fees because she didn’t have the $and the account would go negative from the smaller purchases We assured the member that we would refund the NSF fee if and only if the claim for the $was verified and returned Being that the claim was denied, the member would not have had the funds to cover the smaller purchases and, therefore, would not qualify to have NSF fees reversed or refunded by MCU [redacted] subsequently attempted to collect on these transactions on 02/ [redacted] and 03/ [redacted] where MsW [redacted] was charged additional NSF fees So in essence, in total, she was charged $for the attempts made by PayPal The member received a courtesy fee waive in October of 2015, and at that time we advised the member to increase their overdraft to avoid an issue in the future Our records indicate that this recommendation was not acted upon

P;ease see response below, from MCU Collections Department:This account has been charged off since with a full pay off balance $that was outstanding in the Overdraft Line of Credit A payroll deposit came in on the account, as the member indicated, and it is MCU policy that all charged off accounts must be paid in full before full access to funds can be granted to the debtor The Line of Credit does accrue interest, as disclosed in the Overdraft Line of Credit disclosure, and the Line of Credit can’t be considered as paid in full until the full balance is paid The date of the last payment made on this account's Overdraft Line of Credit balance was 12/*/