Oregon Community Credit Union

Dear Revdex.com,The response to the member is attached. Also, 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 $7.99 due to a merchant error.Thank you for the opportunity to review your complaint and the opportunity to respond to the Revdex.com. While 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 fees. In fact since your posting to the Revdex.com, you have again overdrawn your account. I am happy to waive the fee as a gesture of good faith and member support; however, this will be the last waiver of fees allowed. Please 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, 2016
 
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 8503.
 
We regret that Mr. [redacted] is dissatisfied regarding the outcome of this situation. The Credit Union strives to deliver excellence in everything we do and are sorry that we did not meet Mr. [redacted]’s expectations. However, the Credit Union followed applicable policies and procedures in properly informing Mr. [redacted] regarding the Credit Union’s insurance requirements. Again, 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 ATV. This information is captured in a telephone recording on July 13, 2016.
 
The ATV loan paperwork that Mr. [redacted] signed and acknowledged on July 13, 2016, included an Insurance Coverage Disclosure. As 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 503.707.6058 on September 21 and October 26 of 2016 where an answering machine was reached. Both automated phone calls were made between the hours of 7:00 PM and 8:35 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 obligation. We 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 premium. This 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 attached. Also, 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 mail. Thank 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 card. First and foremost, we want to extend our sincerest apologies for your negative experience with our card. We 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 $152.01 to pay off your card and requested that your account be closed. That 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 address. This update did not carry over to your credit card because you were the primary member on the card. For 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 did. Your 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 8 pm rather than 11 pm. Please 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 waived. Oregon Community Credit Union has removed all late reporting with the credit bureaus; this can take 45-60 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.com. We recommend waiting until 60 days have passed to pull a copy to ensure that the credit bureaus have had sufficient time to update their records. We have included the March 2017-August 2017 statements with this letter for your reference. Please note that you will not see the account credits until your next statement. I have updated your address and removed the returned mail code from your account. Your 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 concerns. I am happy to assist you with anything that you need.