Sign in

Northeast Florida Painting

Sharing is caring! Have something to share about Northeast Florida Painting? Use RevDex to write a review
Reviews Northeast Florida Painting

Northeast Florida Painting Reviews (11)

Complaint: [redacted] I am rejecting this response because: As a veteran with PTSD, and any customer at any business for that matter, should not have to experience any stress or drama when submitting car loan payments with good intentionsIf a request by a customer to apply funds to a specific account (loan, principle, interest) is made; the business should be responsible enough to credit the account as requested not take the cash and deduct exuberant fees as they wantIf the customer's request is not honored and requests a refund for the immediate transaction then the business in good faith should honor the request: not make the customer feel like they are a menace and headacheAs [redacted] did during this incident, to then have Albuquerque Police Department called for basically stealing cash that was meant for the principle and interest in the loan If the borrower makes timely payments, and provides sufficient proof of insurance but the branch fails to verify or process the paperwork the burden of default should not be the borrowers faultI just received a letter for repossession for the only mode of transportation I have I am a disabled vet and wonder how will I get around if they take my only mean of transportationNow that First Financial has added all those fees and charges my payment ballooned from $to almost $530! This business is not being sensitive to the fact that as a Veteran and customer we deserve better treatment.The only way to satisfy this situation is to remove the fees and charges and keep my payment as was agreed on during the agreement of the loan I will not endorse this company and will continue to bring this incident to light to other veterans in the areaThe fees and charges are comparable to predatory lending companies and should be addressed responsibly Also, when these fees and charges are not payed the First Financial third party interest were calling me on a daily basisNot only that -every time I visit the branch I am waiting for too long to have the payment credited properly All other customers are in and out around me while I wait.....and the reps are never consistentSome really do listen and credit the principle and interest onlyOthers credit the fees and then the rest of the account This is a complete mess and now I am going to be left with nothingRegards, [redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the responseIf the consumer does not provide a reason if he complaint will be closed Administratively Resolved]

Revdex.com RE: Compliant I D [redacted] [redacted] * [redacted] January 9, To Whom It May Concern: I am writing I n response to the complaint f I I ed by Mr [redacted] * [redacted] regarding his auto loanFirst Financial Credit Union I s dedicated to serving its member owners and I apologize that Mr [redacted] felt that his issue was not resolved to his satisfactionThe documents signed by Mr [redacted] at the time of the auto purchase included an "Insurance Coverage Acknowledgement" which states, "I understand that this insurance must be in an amount equal to the lesser of the unpaid amount due under the Finance Contract or the value of the vehicle and must be maintained for the entire term of the Finance Contract." First Financial Credit Union's documentation shows that Mr [redacted] had a lapse of insurance from February 3, to April 17, 2014, which is in violation of the contract agreed to by Mr [redacted] at the time of financing The failure to carry (at minimum) liability insurance is also in violation of the requirements of motorists in the State of New MexicoFirst Financial Credit Union covers its collateral during any lapse in insurance by the borrower and is within its rights to add the premium of this coverage to the borrower's loanIt is our practice to make every effort to verify coverage before placing our coverage on the collateralWe made several attempts to contact M r [redacted] regarding this lapseLetters were sent to his mailing address, phone calIs were placed by our financial assistance department, and phone calls were attempted by our servicerWe also attempted to go directly to Mr [redacted] 's insurance companies — the information we received confirmed cancellation date of February 3, with [redacted] , and new insurance coverage dated April 17, with [redacted] InsuranceMr [redacted] claimed to have insurance coverage during the time of the lapse but was unable to substantiate this coverageSince Mr [redacted] was unable to provide proof that there was coverage during the lapse time, we provided collateral coverage with a premium of $724.00, which Mr [redacted] is responsible forThe premium was added to the principal amount of the loan and his payments were adjusted accordinglyI believe this premium is the "fee and charges" that Mr [redacted] is referring to in his complaintHis complaint also refers to "a new charge for insurance that is at 300% higher rate than most insurance businesses." The premium for this collateral coverage is expensive; therefore, we would prefer that members carry typical coverage that complies with the insurance requirements of the State of New Mexico, and provides borrowers with the necessary coverage in the event that a claim needs to be filed Since we would prefer the borrower carry coverage for the entire term of the contract, as they agree to when the financing takes place, we make every effort to verify whether coverage is in place before adding collateral protection insuranceHowever, in the event the borrower chooses not to carry sufficient coverage, we must protect our collateralTherefore, the $premium is due and payable to First Financial Credit Union and wi I I remain as part of the principal balance on Mr [redacted] 's loanHe is fully responsible unless he can provide proof that there was no lapse in coverage for the dates in questionI apologize that Mr [redacted] feels he did not receive the best member service while interacting with our employeesWe strive to provide excellent service and I will address his concerns internallyShould you have any questions, I can be reached at 505-462-Sincerely, Sarah JHorten Senior Vice President of Lending

Dear Mr [redacted] ,I apologize that your experience with us has not been a pleasant one I have tried to contact you today, at the number listed on your account, to discuss our plan of action regarding your complaint As of this afternoon, we refunded the CPI / Insurance that was added to your account due to a lapse in coverage from Feb - Apr 17th We refunded the late fees you were charged since it was added We made your account current and lowered your payments back down to $ This is not protocol as FFCU is out of pocket for the insurance we had to purchase on your behalf, however, I do want you to know that we do care We care about all of our members and we care about the wounded warriors who have served our country Thank you We would love to hear from you just to make sure you are aware that we took care of everything for you Have a wonderful day [redacted] Chief Operations Officer

[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 is satisfactory to me Regards, [redacted]

Complaint: [redacted]
I am rejecting this response because:
As a veteran with PTSD,  and any customer at any business for that matter, should not have to experience any stress or drama when submitting car loan payments with good intentions. If a request by a customer to apply funds to a specific account (loan, principle, interest) is made; the business should be responsible enough to credit the account as requested not take the cash and deduct exuberant fees as they want. If the customer's request is not honored and requests a refund for the immediate transaction then the business in good faith should honor the request: not make the customer feel like they are a menace and headache. As [redacted] did during this incident, to then have Albuquerque Police Department called for basically stealing cash that was meant for the principle and interest in the loan.  If the borrower makes timely payments, and provides sufficient proof of insurance but the branch fails to verify or process the paperwork the burden of default should not be the borrowers fault. I just received a letter for repossession for the only mode of transportation I have.  I am a disabled vet and wonder how will I get around if they take my only mean of transportation. Now that First Financial has added all those fees and charges my payment ballooned from $439 to almost $530! This business is not being sensitive to the fact that as a Veteran and customer we deserve better treatment.The only way to satisfy this situation is to remove the fees and charges and keep my payment as was agreed on during the agreement of the loan.  I will not endorse this company and will continue to bring this incident to light to other veterans in the area. The fees and charges are comparable to predatory lending companies and should be addressed responsibly.  Also, when these fees and charges are not payed the First Financial third party interest were calling me on a daily basis. Not only that -every time I visit the branch I am waiting for too long to have the payment credited properly.  All other customers are in and out around me while I wait.....and the reps are never consistent. Some really do listen and credit the principle and interest only. Others credit the fees and then the rest of the account.  This is a complete mess and now I am going to be left with nothing. Regards,
[redacted] [To assist us in bringing this matter to a close, the consumer must give a reason why they are rejecting the response. If the consumer does not provide a reason if he complaint will be closed Administratively Resolved]

[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 is satisfactory to me.
Regards,
[redacted]

I am writing in response to the complaint filed by [redacted] regarding the loan for her 2004 Chevy Trailblazer. 
On March 24, 2015, First Financial Credit Union (FFCU) sent
a package (via Federal Express) to Ms. [redacted] and Mr. [redacted] containing a
letter of explanation of the loan...

documents executed by the borrowers on
September 17, 2012, copies of the executed Loan and Security Agreements and
Disclosure Statement, a copy of the Loan Application, a spreadsheet showing the
payment history including all fees and charges added during the loan (to date),
and copies of the available statements dating back to September 2012 when the
loan was originated.  The spreadsheet
accounts for accrued interest, collected interest, principal payments, payments
of late fees and charges added to the loan (i.e. credit insurance, other
charges-with explanation provided to the borrower).
An adjustment was made to the loan in the amount of $27.57
to refund fees charged in error. 
According to our records, this is the only error on the loan transaction
history.  As of the end of the day on
March 25, 2016, we have validated the principal balance of the loan when
comparing the spreadsheet to FFCU’s system of record.
FFCU has also validated the information reported to all
three credit reporting agencies since June 2015 when the data was converted
from Chino Federal Credit Union’s system to FFCU’s system.  FFCU has reported the loan information
according to our records.
Ms. [redacted] is encouraged to provide any receipts or
accounting she has of the loan in order to compare it to the credit union’s
records.  We would be happy to work with
her regarding this.
As I stated to Ms. [redacted] in our telephone conversation on
March 18, 2016 at 4:25 pm, the goal is to come to a resolution that is
amendable for both Ms. [redacted] and FFCU.

[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 is satisfactory to me. I will be in contact with Michelle on Monday. 
Regards,
[redacted]

April 13, 2016
RE:  ID# [redacted]
I am writing in response to the complaint filed by [redacted]
[redacted] regarding the loan for her 2004 Chevy Trailblazer.
On April 8th we sent a certified letter to Ms.
[redacted] offering a resolution to her complaint regarding added fees to her
loan.  Per the letter, Ms. [redacted] was to
contact FFCU so we could discuss and document the terms of the agreement.  As of today we have not heard from Ms. [redacted]
other than through this complaint filed with Revdex.com. 
Ms. [redacted] is asserting that nothing has been credited to her
account.  The reason being is that she
has not agreed to our offer in writing or verbally and thus we have not moved
forward with crediting her account.
The $795.18 that Ms. [redacted] is requesting be returned to her
as a principal reduction was the result of her loan being past due from
12/18/12 until a payment was made on 2/25/13 (3 payments plus repossession
fees) to release the car back to her after it had been repossessed. This fee is
valid.
In regards to Ms. [redacted] and Mr. [redacted]’s credit report; we have
and are reporting correctly, based on her payment history.
Ms. [redacted] is requesting copies of receipts.  Record retention requirements do not mandate
that the credit union keep copies of receipts. 
Ms. [redacted] has received all of her monthly/quarterly statements that
validate all transactions on her account regardless of the method used.
In conclusion our offer to Ms. [redacted] still stands and is a
total principal reduction to her loan for $439.36 which includes $211.83 for
her insurance premium, $17.53 in interest, $110 repossession fee and $100 in
late fees.  In addition, she is still
having debt protection insurance added to her account and if she would like to
discontinue this, we need her to come in and sign a sub-action form and we will
remove it from the loan.
This refund is
offered not because First Financial processed, calculated or charged anything
on her account incorrectly but because we in good faith, want to try and
eliminate some of the financial burden she has experienced due to poor payment
history.  It is our final offer.  We have already not only provided
documentation but spoke to Ms. [redacted] about all the activity on her account that
she is questioning.  All activity is
correctly processed and reported, based on payment dates and according to her
contract.
If Ms. [redacted] would like us to credit the principal balance
on her account for the $439.36 and/or discontinue the debt protection
insurance on her account, we need her to email Michelle H[redacted] at [redacted] or call her
at ###-###-####.

Revdex.com RE: Compliant I D [redacted] January 9, 2015 To Whom It May Concern: I am writing I n response to the complaint f I I ed by Mr. [redacted]  regarding his auto loan. First Financial Credit Union I s dedicated to serving its member...

owners and I apologize that Mr. [redacted] felt that his issue was not resolved to his satisfaction. The documents signed by Mr. [redacted] at the time of the auto purchase included an "Insurance Coverage Acknowledgement" which states, "I understand that this insurance must be in an amount equal to the lesser of the unpaid amount due under the Finance Contract or the value of the vehicle and must be maintained for the entire term of the Finance Contract." First Financial Credit Union's documentation shows that Mr. [redacted] had a lapse of insurance from February 3, 2014 to April 17, 2014, which is in violation of the contract agreed to by Mr. [redacted] at the time of financing.  The failure to carry (at minimum) liability insurance is also in violation of the requirements of motorists in the State of New Mexico. First Financial Credit Union covers its collateral during any lapse in insurance by the borrower and is within its rights to add the premium of this coverage to the borrower's loan. It is our practice to make every effort to verify coverage before placing our coverage on the collateral. We made several attempts to contact M r. [redacted] regarding this lapse. Letters were sent to his mailing address, phone calIs were placed by our financial assistance department, and phone calls were attempted by our servicer. We also attempted to go directly to Mr. [redacted]'s insurance companies — the information we received confirmed cancellation date of February 3, 2014 with [redacted], and new insurance coverage dated April 17, 2014 with [redacted] Insurance. Mr. [redacted] claimed to have insurance coverage during the time of the lapse but was unable to substantiate this coverage. Since Mr. [redacted] was unable to provide proof that there was coverage during the lapse time, we provided collateral coverage with a premium of $724.00, which Mr. [redacted] is responsible for. The premium was added to the principal amount of the loan and his payments were adjusted accordingly. I believe this premium is the "fee and charges" that Mr. [redacted] is referring to in his complaint. His complaint also refers to "a new charge for insurance that is at 300% higher rate than most normal insurance businesses." The premium for this collateral coverage is expensive; therefore, we would prefer that members carry typical coverage that complies with the insurance requirements of the State of New Mexico, and provides borrowers with the necessary coverage in the event that a claim needs to be filed.  Since we would prefer the borrower carry coverage for the entire term of the contract, as they agree to when the financing takes place, we make every effort to verify whether coverage is in place before adding collateral protection insurance. However, in the event the borrower chooses not to carry sufficient coverage, we must protect our collateral. Therefore, the $724.00 premium is due and payable to First Financial Credit Union and wi I I remain as part of the principal balance on Mr. [redacted]'s loan. He is fully responsible unless he can provide proof that there was no lapse in coverage for the dates in question. I apologize that Mr. [redacted] feels he did not receive the best member service while interacting  with our employees. We strive to provide excellent service and I will address his concerns internally. Should you have any questions, I can be reached at 505-462-1304. Sincerely, Sarah J. Horten Senior Vice President of Lending

Dear Mr. [redacted],I apologize that your experience with us has not been a pleasant one.  I have tried to contact you today, at the number listed on your account, to discuss our plan of action regarding your complaint.   As of this afternoon, we  refunded the CPI / Insurance that was added to your account due to a lapse in coverage from Feb 3 - Apr 17th.  We refunded the late fees you were charged since it was added.   We made your account current and lowered your payments back down to $439.00.   This is not normal protocol as FFCU is out of pocket for the insurance we had to purchase on your behalf, however, I do want you to know that we do care.  We care about all of our members and we care about the wounded warriors who have served our country.  Thank you.  We would love to hear from you just to make sure you are aware that we took care of everything for you.  Have a wonderful day.  [redacted]Chief Operations Officer

Check fields!

Write a review of Northeast Florida Painting

Satisfaction rating
 
 
 
 
 
Upload here Increase visibility and credibility of your review by
adding a photo
Submit your review

Northeast Florida Painting Rating

Overall satisfaction rating

Add contact information for Northeast Florida Painting

Add new contacts
A | B | C | D | E | F | G | H | I | J | K | L | M | N | O | P | Q | R | S | T | U | V | W | X | Y | Z | New | Updated