Oregon Community Credit Union

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

We are in the process of researching this person's claimThank you, Noelle

We are in receipt of a complaint dated May 6, 2016, in which you state that you were provided incorrect information about the pulling of your credit report in connection with your new membership and overdraft protection service (Personal Line of Credit) at Oregon Community Credit Union (Credit Union)Thank you for taking the time to inform the Credit Union of your experience; we take feedback such as this very seriouslyUpon evaluation of the circumstances of your complaint, we found: · During a phone call with a Credit Union Representative on March 2, 2016, you were made aware that a “hard pull” credit report was part of the new membership process for verification purposes · However, your recollection of your visit to one of our branches was that the Representative indicated that only a “soft pull” credit report was utilized for the new membership and Personal Line of CreditThis appears to be an instance where one of our employees may have unintentionally misinformed you about how and when credit reports are used for the purpose of providing products and services · The Credit Union’s Membership and Account Agreement (Section IMembership and Accounts) is provided to all new members at the time of account opening and reads: You authorize us to check your account, credit and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request Additionally, the Consumer Loan Application (associated with your Personal Line of Credit intended for overdraft protection) states the following: By signing below, you certify that the information on this Application is complete, true, and submitted for the purpose of obtaining credit and you agree: (a) that the Credit Union can use credit reporting agencies or otherwise verify the information on this Application; (b) that the Credit Union can tell others about its credit experience with you and receive information from others about your credit history and performance; and (c) that you will give the Credit Union your new address if you move and that all notices and statements from the Credit Union may be sent to the address(es) shown on this Application or an address correction received from any applicant or authorized user .” We believe our materials and oral and written disclosures appropriately notify potential members of our credit pulling practices However, in light of the information provided to you in person at the branch potentially conflicting with the recorded conversation of March and the above referenced information, the Credit Union will terminate your Personal Line of Credit, and remove the trade line and inquiry from your credit report as you have requestedThese actions have been initiated effective May 17, Thank you again for providing feedback about your experience Manager

October 31, Revdex.com [redacted] Revdex.com Resolutions Consultant Reference: Revdex.com Compliant: ID - [redacted] Dear [redacted] , We are in receipt of a complaint dated October 27, 2016, in which [redacted] , a member of Oregon Community Credit Union, (“Credit Union”) expressed his concerns regarding an insurance requirement on his ATV installment loan ending in ***Mr [redacted] ’s complaint centered on receiving improper disclosure(s) regarding the Credit Union’s requirement to purchase and maintain insurance on his loan, resulting in forced placed Collateral Protection Insurance (“CPI”) Upon evaluation of the circumstances of the complaint, we found: Mr [redacted] applied for an ATV loan on July 13, 2016, in which he provided insurance information to the Credit Union loan representative The enclosed Insurance Coverage Disclosure details the terms and conditions regarding the Credit Union’s insurance expectations and includes Mr [redacted] ’s insurance Policy Number, name of Insurance Company and his electronic acknowledgement on the Disclosure On August 5, 2016, the Credit Union mailed Mr [redacted] a Notice to provide evidence of physical damage insurance on the ATV pursuant to the signed acknowledged Insurance Coverage Disclosure When evidence of insurance was not received, another Notice to provide evidence of physical damage insurance on the ATV was mailed on September 16, Each Notice indicated that if we did not receive proper evidence of the appropriate insurance requirements, the Credit Union may place its own insurance, CPI on the ATV On October 14, 2016, the Credit Union made another attempt to reach Mr [redacted] informing him of the insurance requirements and that we had yet to receive proof of the appropriate insurance requirements On October 25, 2016, the Credit Union mailed a Notice of Placement of Insurance on the ATV retroactive to July 13, as we did not have the appropriate physical damage insurance on the ATV as acknowledged by Mr [redacted] Each notice mailed was addressed to the same address indicated in the complaint submitted by Mr [redacted] At minimum, two auto recorded phone calls dialed the same phone number of record contained in the complaint submitted by Mr [redacted] The first phone call was made after the initial notice was mailed on August 5th and again after the CPI was placed on October 25th In conclusion, the Credit Union followed applicable policies and procedures in properly informing Mr [redacted] regarding the Credit Union’s insurance requirementsHis signed acknowledgement and sharing of his insurance information is indicative of Mr [redacted] ’s understanding of the insurance requirement, but unfortunately, he did not follow through with providing the evidence needed to satisfy the disclosure requirements, and since there was not a record of insurance evidence, the Credit Union executed its rights to force place CPI on the ATV to protect the collateral on October 25, However, should Mr [redacted] ’s insurance company retro-actively provide evidence of physical damage insurance on the ATV purchased on July 13, 2016, the Credit Union will, under its standard practices to do so, credit the CPI premium applied to the applicable loan Sincerely, Noelle [redacted] W [redacted] Enterprise Risk & Administration Manager Enclosure: (Attached): Insurance Coverage Disclosure; Welcome Notice; Notice Lapse Notice; and Lapse Certificate **Attachments redacted by Revdex.com staff**

Complaint: [redacted] I am rejecting this responseThere were NO phone calls made until after I contacted the credit unionPeriodI can obtain my phone records from my phone company to prove that, give me the date and time of the callsIn fact, this probably would have not been noticed for even more time had the Credit union not lost the insurance papers that the insurance company had sent over for our other vehicleEven at the time of that phone call I asked if everything was all taken care of and no mention of the ATV at that time eitherListen to the phone recording of that callThere was one notice that we received in the mail, as I mentionedThe charge you are incurring for insurance is unreasonableThere was no insurance for ATV at the time of the loan obviously and should not have been funded until there wasAND asking me to have the insurance backdated is against the lawI will be refinancing all of our loans with another bank, you have lost our businessNot sure what happened to customer service, but this is not itA simple phone call in a reasonable amount of time could have easily resolved this matterWith the additional customer service issues we've had such as the title arriving after the tags expired for our other truck loan and the complications of having to ask our insurance company to fax over insurance papers for our other loans multiple times is unacceptableMaybe the credit union should be more organized with paperwork and target keeping customers happyWe "were" good customers:Sincerely, [redacted]

Dear Revdex.com,The response to the member is attachedAlso, a physical copy was mailed to the Revdex.com and to the member last week.Thank you,Enterprise Risk and Administration ManagerWe are in receipt of your complaint to the Revdex.com dated 7/21/2017, in which you advise that your account was overdrawn $due to a merchant error.Thank you for the opportunity to review your complaint and the opportunity to respond to the Revdex.comWhile we do see that the merchant refunded your account in the amount of $7.99, we also see that this is not the first time your account has been drawn negative nor the first request from you to waive overdraft feesIn fact since your posting to the Revdex.com, you have again overdrawn your accountI am happy to waive the fee as a gesture of good faith and member support; however, this will be the last waiver of fees allowedPlease contact a branch representative if you would like to discuss methods to keep your account balances and accounts in good standing with Oregon Community Credit Union

November 17, Revdex.com [redacted] Revdex.com Resolutions Consultant Reference: Revdex.com Compliant: ID - [redacted] Dear [redacted] , We are in receipt of a complaint dated November 10, 2016, which [redacted] , a member of Oregon Community Credit Union (“Credit Union”) rejected a Revdex.com response in reference to an insurance requirement on his ATV installment loan ending in We regret that Mr [redacted] is dissatisfied regarding the outcome of this situationThe Credit Union strives to deliver excellence in everything we do and are sorry that we did not meet Mr [redacted] ’s expectationsHowever, the Credit Union followed applicable policies and procedures in properly informing Mr [redacted] regarding the Credit Union’s insurance requirementsAgain, if Mr [redacted] ’s insurance company is willing to retro-active the policy date to July 13, 2016, the Credit Union will gladly credit the CPI premium applied to the applicable loan or prorate the CPI Premium credit as to the policy date provided by the insurer Upon evaluation of Mr [redacted] ’s disagreement, we found: Upon finalizing the ATV loan, Mr [redacted] ’s loan representative confirmed with Mr [redacted] that the insurance company and policy in place for the Sierra (current loan) would be used for the ATVThis information is captured in a telephone recording on July 13, The ATV loan paperwork that Mr [redacted] signed and acknowledged on July 13, 2016, included an Insurance Coverage DisclosureAs previously stated, this acknowledgement is indicative that Mr [redacted] understood the terms and conditions regarding the Credit Union’s insurance expectations at the time of his loan consummation Two automated phone calls were made to contact telephone number on September and October of where an answering machine was reachedBoth automated phone calls were made between the hours of 7:PM and 8:PM Each automated call was made after and between the deliveries of multiples Notices indicating that insurance was needed and if not taken care of, the Credit Union would force place the Collateral Protection Insurance (“CPI”) Mr [redacted] claimed that insurance paperwork was lost for a different credit obligationWe do not have on record that any other credit obligations for Mr [redacted] resulted in CPI enforcement and those credit obligations currently have appropriate insurance without lapse of coverage It is common for insurance companies to retro-activate policies and if provided by the insurance company, the Credit Union will credit the CPI premiumThis is a standard practice for the Credit Union After exhausting our efforts to reach Mr [redacted] to inform him about the Credit Union’s insurance expectations to no avail, we had no choice but to protect the collateral by force placing the CPI Sincerely, Noelle *W [redacted] Enterprise Risk & Administration Manager

Dear Revdex.com,The response to the member is attachedAlso, a physical copy was mailed to the Revdex.com and to the member last week.I was on vacation when the response was made and is the reason it went via postal mailThank you,Noelle W [redacted] Enterprise Risk & Administration ManagerAugust 17, 2017Dear Mr [redacted] :We are writing in response to a complaint we received from you via the Revdex.com in regards to your Oregon Community Credit Union credit cardFirst and foremost, we want to extend our sincerest apologies for your negative experience with our cardWe take these complaints very seriously and would like to assure you that we have taken all steps necessary to correct your account standing.Below, we have outlined the results of our research along with the solutions that have been put into place to rectify the situation.In researching your account, we found on March 15, 2017, you had submitted a payment of $to pay off your card and requested that your account be closedThat same day there was a transaction that had been authorized, but had not yet posted to your account in the amount of $7.41.On March 24, 2017, we received a returned statement due to us having an incorrect address on file This returned statement caused us to stop mailing statements until we receive an updated address from you.On April 3, 2017, [redacted] contacted Oregon Community Credit Union to update her addressThis update did not carry over to your credit card because you were the primary member on the cardFor security purposes, we are not able to update both addresses without proper verification.On August 1, 2017, when our collections department reached out to discuss your account it was not their intention to call as late as they didYour credit card account still had a Eugene address on file so they were under the impression that you were in the Pacific Time Zone which would have made the call at pm rather than pmPlease accept our apology for the misunderstanding with the time zone difference.As I mentioned before, we have taken all necessary steps to correct your account As of August 17, 2017, all late fees and interest that were charged since March 15, 2017, have been waivedOregon Community Credit Union has removed all late reporting with the credit bureaus; this can take 45-days to reflect correctly with the three major credit bureaus You are entitled to one free credit report each year and can verify that the reporting has been updated by pulling a copy of your credit report at annualcreditreport.comWe recommend waiting until days have passed to pull a copy to ensure that the credit bureaus have had sufficient time to update their recordsWe have included the March 2017-August statements with this letter for your referencePlease note that you will not see the account credits until your next statementI have updated your address and removed the returned mail code from your accountYour next statement will cycle on September 12, 2017, and will be mailed to your home in New Jersey.Please feel free to reach out directly with any additional questions or concernsI am happy to assist you with anything that you need

Dear [redacted] ***, We have received your complaint dated August 29, 2015, in which you have indicated that Oregon Community Credit Union ("OCCU") did not fulfill your expectations of the GAP Coverage purchasedPlease allow us to express our gratitude for the opportunity to respond to your concerns As you have indicated in your inquiry, you purchased GAP Coverage in March of At the time of the vehicle loss (3/8/2015}, the following was the balance and payment history: Payoff Balance: $13,Skipped Payments: $ Late Payment Fees: $Unpaid GAP Insurance: $Primary Insurance Payment: $6, Total Deductions: $7, Total GAP Settlement: $6, As you can see from the statement provided, [redacted] paid the GAP balance less payments skipped, late payment fees, unpaid GAP payments, and insurance paymentsThe final balance of $6,was paid as according to the contractual agreementThe aforementioned items are not covered and are thus excluded from GAP coverage claimsThe current remaining balance of your account is $1,We do apologize if there was a misunderstanding as to the remaining balance and payment expectationsAt this time and as long as payments remain current, and in order to help alleviate any miscommunication, OCCU is willing to remove the derogatory report(s) to the credit bureau(s)Cordially, Oregon Community Credit Union

We are in receipt of a complaint dated May 31, 2016, in which you state that Oregon Community Credit Union (Credit Union) is paying automatic withdraws, which are causing non-sufficient funds fees to occur on your accountThank you for taking the time to inform the Credit Union about your
experience; we take feedback such as this very seriouslyUpon evaluation of the circumstances of your complaint, we will
Reverses the fees associated with recent ACH transactions that occurred during the month of MayHowever, the Credit Union paid your ACH transactions that were owed to the following merchants: ** *** *** in the amount of $34.95; ii*** *** *** in the amount of $and $27.81; and iii*** *** *** in the amount of $124.23, which is $
Your account shall remain open until the funds mentioned above have been remitted to the Credit UnionPlease remit the funds no less than days from the date of this correspondenceIf this matter is not resolved, the account is subject to standard collection practices

November 22,
Revdex.com
*** ***
Reference: Revdex.com (“Revdex.com”) ID: ***
Dear Ms***,
We are in receipt of a complaint dated
November 15, 2016, by *** *** ***, whereby it was expressed that credit was obtained by someone else using ***’ identityOregon Community Credit Union (“Credit Union”) appreciates being notified and is sorry that this occurredWe understand that being a victim of identity theft is stressful.
At times, when credit is obtained using another person’s identity, the information used to obtain credit can appear legitimate and we do not always learn that it is identity theft until the real person makes contact with usHowever, we do have the appropriate identity theft controls in place to actively respond and resolve once we learn that identify theft has taken place
After further evaluation, and effective November 21, the credit reporting for *** was correctedWe apologize for the inconvenience and added stress that this may have caused
Sincerely,
Noelle ** W***
Enterprise Risk & Administration Manager

Complaint: ***I am rejecting this response because:
While they did remove the inquiry from my credit report, based on their response, I don’t believe they will make any changes to their business practicesThis would possibly put someone else in the same situation in which I found myself
Upon recent, closer examination of the 40-page Membership & Account Agreement document, I did find the following statement: “…You authorize us to check your account, credit and employment history, and obtain a credit report from third parties…” Although this language still does not clearly distinguish between a hard and soft pull, it does speak of referencing the credit reporting agenciesHad I been aware of that statement, I could have asked for more clarificationIn the rushed environment of a very crowded lobby with other people waiting for services, I did not read this document myself but instead trusted in the employee’s summaryAn additional circumstance that discouraged me from reading it was the manner in which it was given to meThe employee tucked the document inside an envelope along with several other documents and presented it to me at the CONCLUSION of our transaction
Quotes from other documents included in the credit union’s reply also do not clearly distinguish between a hard and soft pullFurthermore, information given over the phone was contradictory to that given in person, leaving me to wonder which version was correctI had no way of knowing which employee had more experience, knowledge or credibilityHaving a policy clearly stated in writing can avoid this type of misunderstanding
It is my hope that OCCU will make changes in its literature, website, and staff training to be more clear to members and potential members

We are in receipt of a complaint dated May 6, 2016, in which you state that you were provided incorrect information about the pulling of your credit report in connection with your new membership and overdraft protection service (Personal Line of Credit) at Oregon Community Credit Union (Credit...

Union). Thank you for taking the time to inform the Credit Union of your experience; we take feedback such as this very seriously. Upon evaluation of the circumstances of your complaint, we found:
·         During a phone call with a Credit Union Representative on March 2, 2016, you were made aware that a “hard pull” credit report was part of the new membership process for verification purposes.
·         However, your recollection of your visit to one of our branches was that the Representative indicated that only a “soft pull” credit report was utilized for the new membership and Personal Line of Credit. This appears to be an instance where one of our employees may have unintentionally misinformed you about how and when credit reports are used for the purpose of providing products and services.
·         The Credit Union’s Membership and Account Agreement (Section I. Membership and Accounts) is provided to all new members at the time of account opening and reads:
You authorize us to check your account, credit and employment history, and obtain a credit report from third parties, including credit reporting agencies, to verify your eligibility for the accounts and services you request.
 Additionally, the Consumer Loan Application (associated with your Personal Line of Credit intended for overdraft protection) states the following:
By signing below, you certify that the information on this Application is complete, true, and submitted for the purpose of obtaining credit and you agree: (a) that the Credit Union can use credit reporting agencies or otherwise verify the information on this Application; (b) that the Credit Union can tell others about its credit experience with you and receive information from others about your credit history and performance; and (c) that you will give the Credit Union your new address if you move and that all notices and statements from the Credit Union may be sent to the address(es) shown on this Application or an address correction received from any applicant or authorized user….” 
 We believe our materials and oral and written disclosures appropriately notify potential members of our credit pulling practices.  However, in light of the information provided to you in person at the branch potentially conflicting with the recorded conversation of March 2 and the above referenced information, the Credit Union will terminate your Personal Line of Credit, and remove the trade line and inquiry from your credit report as you have requested. These actions have been initiated effective May 17, 2016.
Thank you again for providing feedback about your experience.
Manager

October 31, 2016
 
Revdex.com
[redacted]
Revdex.com Resolutions Consultant
 
Reference: Revdex.com Compliant: ID - [redacted]
 
Dear [redacted],
 
We are in receipt of a complaint dated October 27, 2016, in which [redacted], a member of...

Oregon Community Credit Union, (“Credit Union”) expressed his concerns regarding an insurance requirement on his ATV installment loan ending in [redacted]. Mr. [redacted]’s complaint centered on receiving improper disclosure(s) regarding the Credit Union’s requirement to purchase and maintain insurance on his loan, resulting in forced placed Collateral Protection Insurance (“CPI”).
 
Upon evaluation of the circumstances of the complaint, we found:
 
Mr. [redacted] applied for an ATV loan on July 13, 2016, in which he provided insurance information to the Credit Union loan representative.
 
The enclosed Insurance Coverage Disclosure details the terms and conditions regarding the Credit Union’s insurance expectations and includes Mr. [redacted]’s insurance Policy Number, name of Insurance Company and his electronic acknowledgement on the Disclosure.
 
On August 5, 2016, the Credit Union mailed Mr. [redacted] a Notice to provide evidence of physical damage insurance on the ATV pursuant to the signed acknowledged Insurance Coverage Disclosure.
 
When evidence of insurance was not received, another Notice to provide evidence of physical damage insurance on the ATV was mailed on September 16, 2016.
 
Each Notice indicated that if we did not receive proper evidence of the appropriate insurance requirements, the Credit Union may place its own insurance, CPI on the ATV.
 
On October 14, 2016, the Credit Union made another attempt to reach Mr. [redacted] informing him of the insurance requirements and that we had yet to receive proof of the appropriate insurance requirements.
 
On October 25, 2016, the Credit Union mailed a Notice of Placement of Insurance on the ATV retroactive to July 13, 2016 as we did not have the appropriate physical damage insurance on the ATV as acknowledged by Mr. [redacted].
 
Each notice mailed was addressed to the same address indicated in the complaint submitted by Mr. [redacted].
 
At minimum, two auto recorded phone calls dialed the same phone number of record contained in the complaint submitted by Mr. [redacted]. The first phone call was made after the initial notice was mailed on August 5th and again after the CPI was placed on October 25th.
 
In conclusion, the Credit Union followed applicable policies and procedures in properly informing Mr. [redacted] regarding the Credit Union’s insurance requirements. His signed acknowledgement and sharing of his insurance information is indicative of Mr. [redacted]’s understanding of the insurance requirement, but unfortunately, he did not follow through with providing the evidence needed to satisfy the disclosure requirements, and since there was not a record of insurance evidence, the Credit Union executed its rights to force place CPI on the ATV to protect the collateral on October 25, 2016.
 
However, should Mr. [redacted]’s insurance company retro-actively provide evidence of physical damage insurance on the ATV purchased on July 13, 2016, the Credit Union will, under its standard practices to do so, credit the CPI premium applied to the applicable loan.
 
 
 
Sincerely,
 
 
Noelle ** W[redacted]
Enterprise Risk & Administration Manager
 
 
Enclosure: (Attached): Insurance Coverage Disclosure; Welcome Notice; Notice Lapse Notice; and Lapse Certificate
 
**Attachments redacted by Revdex.com staff**

Complaint: [redacted]I am rejecting this response. There were NO phone calls made until after I contacted the credit union. Period. I can obtain my phone records from my phone company to prove that, give me the date and time of the calls. In fact, this probably would have not been noticed for even more time had the Credit union not lost the insurance papers that the insurance company had sent over for our other vehicle. Even at the time of that phone call I asked if everything was all taken care of and no mention of the ATV at that time either. Listen to the phone recording of that call. There was one notice that we received in the mail, as I mentioned. The charge you are incurring for insurance is unreasonable. There was no insurance for ATV at the time of the loan obviously and should not have been funded until there was. AND asking me to have the insurance backdated is against the law. I will be refinancing all of our loans with another bank, you have lost our business. Not sure what happened to customer service, but this is not it. A simple phone call in a reasonable amount of time could have easily resolved this matter. With the additional customer service issues we've had such as the title arriving after the tags expired for our other truck loan and the complications of having to ask our insurance company to fax over insurance papers for our other loans multiple times is unacceptable. Maybe the credit union should be more organized with paperwork and target keeping customers happy. We "were" good customers. :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.

Dear [redacted], We have received your complaint dated August 29, 2015, in which you have indicated that Oregon Community Credit Union ("OCCU") did not fulfill your expectations of the GAP Coverage purchased. Please allow us to express our gratitude for the opportunity to respond to your concerns....

As you have indicated in your inquiry, you purchased GAP Coverage in March of 2011. At the time of the vehicle loss (3/8/2015}, the following was the balance and payment history: Payoff Balance:                                    ...⇄ $13,384.14 Skipped Payments:                                   �...⇄ $646.20
Late Payment Fees:                                     �...⇄ $339.36 Unpaid GAP Insurance:                                   ...⇄ Primary Insurance Payment:                                    ...⇄ $6,032.18
Total Deductions:                                  �...⇄ /> Total GAP Settlement:                                  �...⇄  $6,230.98       As you can see from the statement provided, [redacted] paid the GAP balance less payments skipped, late payment fees, unpaid GAP payments, and insurance payments. The final balance of $6,230.98 was paid as according to the contractual agreement. The aforementioned items are not covered and are thus excluded from GAP coverage claims. The current remaining balance of your account is $1,132.16. We do apologize if there was a misunderstanding as to the remaining balance and payment expectations. At this time and as long as payments remain current, and in order to help alleviate any miscommunication, OCCU is willing to remove the derogatory report(s) to the credit bureau(s). Cordially, Oregon Community Credit Union

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. However, I would like to note that Oregon Community Credit Union indicated that my account was closed before they kept paying on these withdraws when they should have been denied since the account was indicated as closed to me. When I have called in to talk to the representatives of this bank they have been rude and unhelpful, they have made threats against my credit and routinely attempted to bully me and other previous clients I know.  This is just the latest in a long line of incidences in which the credit union has fraudulently taken money from me to the tune of over $1,000. I will be letting everyone I know and come into contact with about the malicious practices of this institution every chance I get.

Upon review of the complaint filed by Ms. [redacted], we discovered that an error was made on her original OCCU loan application dated May 14th. During the application process, her social security number was inadvertently transposed. However, we were still able to pull an accurate credit report for...

Ms. [redacted] that was properly matched to her based on her name, address and date of birth. An automated pre-approval was granted on the application based on that credit report. As is standard practice for applicants with our pre-approval presented at an automobile dealership, on  May 16th dealership [redacted] submitted a second application on behalf of Ms. [redacted]. That second application was submitted with the correct social security number and was hence flagged in our system as potential loan fraud as the system then recognized two applications with different social security numbers for the same borrower. That application was manually reviewed and denied by our Underwriting Department based on the fraud alert. After becoming aware of the application issue, we contacted Ms.[redacted] and offered to honor the original OCCU pre-approval. Unfortunately, the member then indicated that the original approval was not an option for her as upon further review she would be required to place a down payment of $2,300 towards the purchase of the vehicle given that the sale price and value of the vehicle were outside of Oregon Community Credit Union's automobile lending guidelines. We sincerely regret Ms. [redacted]'s experience with Oregon Community and have taken this opportunity to reinforce training and the importance of error-free application data processing with appropriate staff. If you should have any further question, please don't hesitate to contact me.

We are in the process of researching this person's claim. Thank you, Noelle