Municipal Credit Union

According to the information that we have received from our branch staff, the member was given full detailed tracking information for the check that was sent to the *** *** *** ***, along with any and all information that MCU has regarding the check that was sent by us to the post office Unfortunately, we cannot speak for the *** as to the whereabouts of the check once it was in their possession MCU has not received a returned check from the ***, and we submitted a request for investigation on the member's behalf Case #*** was opened, and we have not heard back from the *** regarding the open investigation We will do everything we can to work with the *** and track the letter that was confirmed to be in their possession, and keep the member up to date with new information

We looked into this issue and found that the check was delivered today by our Armored Car Service and was processed by our Mail Banking team All funds from the check should be available by Tuesday, April *** Because the ATM was one that is less frequently used by members for deposit,
our Armored Car Service only has a once a week pickup scheduled for that ATM location, which caused a longer time frame than usual for when our back office operations received the check We apologize for the inconvenience caused by a machine error on the ATM that was used for deposit

Regarding the insufficient funds fees that were charged to this member, we have forwarded the request to review these charges to a supervisor in our Member Service Operations department Once the charging of these fees is review and a decision is made on potential reversal, we will be able to
update the member accordingly. Regarding the claim that MCU held on to the member's payroll check, we would need additional details regarding the payroll check that is being held in order to fully investigate this matter

Hi, I am still waiting for the issue to be solve.*** *** *** *** **Revdex.com:I have reviewed the response made by the business in reference to complaint ID# ***, and have determined that my complaint has NOT been resolved because: The business; Progressive, already assured me a refund of $even though I still dispute the charge of the refund on the next day, so the real issue is my bankthey do not cooperate in a timely mannerThis issue is over a month nowI faxed the paperwork relevant to the issue that MCU requested I do on the due date of April **Paper work of the receipt including the return of the merchandise, the email I receive from *** of the $charge and moreToday I received a call from a (***) area code leaving me a voice message to call a(***) area code but when I call the number, it is telling me to leave a name and a message; which I have already done many times before, however, I did not leave a voice message due to a illness I currently have, being stuck in an emergency room hours ago. In order for the Revdex.com to appropriately process your response, you MUST answer the question above.Sincerely,*** ***

This complaint has been forwarded to the appropriate party at MCU for review Once I receive an update regarding this account issue, I will update accordingly

MCU sent a letter to the member detailing our response to the dispute Please see a copy below:Dear *** ***,Your recent letter to our CEO, Kam W***, has been received and referred to my attention for immediately reply.Our records show that we requested *** *** to provide proof of
cancellation for her gym membership on two separate occasionsTo date, we have not receive the required document in order for us to reverse the charge to the merchantIn light of this complaint, we contacted Calvin, the manager for *** ***He verified that the membership was still active and cancellations of membership are only accepted in writing Further review of the member’s account shows that the monthly payment for *** *** for December through present were denied for insufficient funds via her debit cardOur records also show that they attempted to obtain membership fees via ACH for December ($20.89), January ($20.89) and February 2017($dues plus late fees)Our Collection Department refunded a total of $in ACH fees on March **, 2017, as a courtesy due to insufficient funds We are unable to pursue the dispute for several reasons; namely, we did not receive proof of cancellationAccording, the manager from *** *** who confirmed that the account was still active as no written notice was received to cancel her membershipAdditionally, the $that was charged in March represents her membership fees for non-payment for December and January 2017, which include late fees

Please see attached letter that confirms receipt of payment We will report to the Credit Reporting Agencies that this is a Paid in Full Charged Off Account This will take to days to update Unfortunately, we will not be able to delete the charged off status, but it will be updated to reflect the fact that it was paid in full

Dear [redacted],
Your letter with the above complaint ID number in the name of [redacted] was referred to my attention for investigation and response.
Based on the member’s complaint, an extensive review of all interactions that occurred regarding this matter was performed....

Below is an account of these interactions:
• On October **, 2014, [redacted] corresponded with five (5) different representatives, within a few hours, concerning the suspected unauthorized transaction. During each of these interactions, the representatives desperately tried to explain that although [redacted] had credited her cable account with the payment effective October [redacted], the transaction was not presented to MCU until a number of days later.
• When the transaction was presented to us, there were insufficient funds in the account to cover the payment, resulting in the payment being returned and a return fee imposed.
• A review of the account’s transaction history shows that [redacted] has accessed the account in the past, as early as December 2013, with additional payments processed on 05/**/14, 06/**/14, 07/**/14, 07/**/14, 09/**/14 and 09/**/14. Each of these transactions is notated as [redacted] and has never come in under [redacted].
• Prior to [redacted]’s last payment being returned for insufficient funds, we never received a claim of unauthorized transactions and one does not exist for the paid transactions until this day.
• As a courtesy, we reimbursed both fees imposed on October [redacted] and November [redacted] on October [redacted] and November [redacted] respectively; however, MCU did this based on the account’s history and its decision to return the fees should in no way be mistaken as an admission of fault. MCU was well within its rights to impose said fees since the funds were not in the account to cover the transactions.
This type of transaction is presented as an automatic debit. If [redacted] wishes to cease the automatic debits from [redacted], we encourage her to contact that company directly or she can contact our Call Center at ###-###-#### to process a stop payment for this creditor, and all future requests from this company will be returned. Please note that in order to process the stop payment, a fee of $20 will be imposed against the account.
Sincerely,[redacted]

Revdex.com:At this time, I have not been contacted by Municipal Credit Union regarding complaint ID [redacted].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:  
 The business; Progressive, already assured me a refund of $53.35 even though I still dispute the charge of the refund on the next day, so the real issue is my bank. they do not cooperate in a timely manner. This issue is over a month now. I faxed the paperwork relevant to the issue that MCU requested I do on the due date of April **. Paper work of the receipt including the return of the merchandise, the email I receive from [redacted] of the $53.35 charge and more. Today I received a call from a ([redacted]) area code leaving me a voice message to call a([redacted]) area code but when I call the number, it is telling me to leave a name and a message; which I have already done many times before, however, I did not leave a voice message due to a illness I currently have, being stuck in an emergency room hours ago.
 
 
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 request for the escrow refund was sent directly to the our closing attorneys [redacted].).  The Attorney has indicated that the request received but got lost on his desk.  The approval was only sent to MCU yesterday 6/**/2016.  The...

check will be processed today and sent overnight to the member.  A member of the Mortgage Operations Team will contact the member directly and let them know.

MCU also received this complaint via mail and will be sending out a letter in response today.  Our response regarding the complaint is as follows:  The MCU Collections Department has reviewed the account in question and the paperwork provided by the member.  Although the member stated...

that $80.36 was supposed to be deposited to their [redacted] account, there were no payments made for the months of November and December 2015, that caused an adverse affect on the member's credit report.  No payments were received in February and March of 2016, which also caused an adverse affect on the credit report.  Because these inquiries are factual and no fault of MCU, MCU will not be able to remove them.  It is the responsibility of the member to keep the account current.

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 2002. 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 scheduled. Ms. [redacted] proceeded to schedule an appointment for 6:30pm the following evening, December 13th, 2015 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/showcase. During the meeting, a seat was held for each child by signing an Enrollment Agreement for each child dated December 13, 2015 (Exhibit A/B). The Total Amount for each child was $1600.00 which includes a $500 Non-refundable Registration Fee and $1100 Program Fee. A down payment was made in the amount of $500 on each Enrollment Agreement for each child. Ms. [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 5 payments at $220 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, 2015 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 12/16/2015 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 72 hours of its execution by mailing a certified letter to the address above. The 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 72 hours of execution date, JRP will refund monies paid in excess of the $500 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, 2015 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 $500 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, 2016.  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 offensive. We work very hard and take pride in our A+ rating with the Revdex.com.  There was absolutely no false 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 false information.  There was no false information.  Everything stated in the seminar and on all of the paperwork is accurate and true. Ms. [redacted] signed the Enrollment Agreement’s which state very clearly in two places we have a $500 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 $1000 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 false 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....

As previously stated, the member was granted a one-time courtesy of $30.00 on 2/*/17.  Notification of the changes to bill pay were posted on the homepage of our website and were available within online banking, which the member used to pay bills.  In addition, our records show that details regarding the change in procedure were sent in an email to the member; however, the emails were not opened.   It is the decision of the Credit Union to not provide any further courtesy credit to the member's account at this time.

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:

 This should be taken care fo right away as it is the 2nd time filing the same complaint for the same reason . Fix it or delete it or next stop will be law suit for incorrect information FCRA act. 
 
 
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
[redacted]

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]

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 information. Once info is received, I will provide update.

The member's account is a charged off account and MCU has the right to off-set this charge off with deposited funds. Any funds deposited into the account can be applied towards covering the delinquent loan that was unpaid. The 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.

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 Office. Why 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]