Pennsylvania State Employees Credit Union

May 2, 2014
Dear [redacted],I am writing in response to your latter dated April 27, 2014, ID [redacted] concerning a credit report dispute.In the letter to the Revdex.com, it is stated that PSECU keeps running the individuals credit report without his permission resulting...

in a decreased credit score. The individual explained that this is affecting his credit score and he is unaware as to why PSECU made an inquiry on his credit. The individual asked that this information be deleted from his credit report.Through the review of our records, I determined that on October 12, 2013, the individual was a coapplicant for a vehicle loan. The application was completed at [redacted]. Additionally, on November 1, 2013, the individual applied for a Vehicle Loan with PSECU through another dealership - [redacted].When members apply for a loan with PSECU, certain credit granting criteria is evaluated; e.g., employment history, credit history, income, FICO score, etc. Therefore, through the credit review process, we have made an inquiry on the individuals credit report.If additional inquiries were made by PSECU, we ask that the individual please fax a copy of his credit report to [redacted] or mail us a copy to [redacted]If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted] if I may be of further assistance.

November 14, 2014
Dear [redacted],
I am writing in response to your letter dated November 10, 2014 with ID# [redacted], concerning correspondence from our member. In the member's correspondence, she explained that she opened a PSECU account on September 30, 2014 after seeing a...

promotional item. Our member explained that the promotional item covered a $50 deposit in her account with the opening of a Checking, Check Card, Mobile and/or Online Banking access.Through the review of the account, I determined that our member opened a secondary account with PSECU on September 30, 2014 using the promotional code and followed the instructions of the promotional offer. Our staff reviewed the file and determined that she has an existing account with PSECU and is already a PSECU member. PSECU’s promotional disclosures (see Attachment A) specify that current PSECU members are not eligible for the promotion.
As a courtesy to our member, we will make an exception and deposit $50 in her secondary Checking Share account on November 20, 2014.
This non-public information is being disclosed to you in accordance with Regulation P “S 1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation".
I hope this helps. Please do not hesitate to write again if you feel I may be of any further assistance.Sincerely,
Tammy H
Chief Administration Officer

September 4, 2015Dear [redacted],
I am writing in response to your letter dated August 31, 2015 with D# [redacted], concerning correspondence from our member. In the member's correspondence, she explained that she opened a PSECU account with PSECU and was then informed that she...

does not qualify for the promotional offer.Through the review of the account, we determined that our member opened an account with PSECU on July 17, 2015 using Pennsylvania [redacted]) as her membership eligibility. Additionally, the member contacted us on August 29, 2015 via telephone inquiring about the promotional deposit. During this telephone conversation, she explained that she used a specific promotional code when applying for membership. The membership code mentioned during that phone call did not match the membership eligibility requirements. Therefore, PSECU did not post the deposit.
As a courtesy to our member, we will make an exception and deposit $100 in her account on September 20, 2015.This non-public information is being disclosed to you in accordance with Regulation P "S 1016.15 (a) (1), (2) (iii) and (7) (iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation'.
I hope this helps. Please do not hesitate to write again if you feel may be of any further assistance.
Sincerely,
Tammy H.
Chief Administration Officer

April 23, 2014Dear **. [redacted],I am writing in response to your letter dated April 15, 2014 concerning ID [redacted].The member stated in her message that PSECU did not report the payoff of her home equity loan which is causing her a poor credit score. She explained that her...

home equity loan was paid off in September 2013. She further noted that she called in several times and was told that it would be corrected. She requested that PSECU immediately remove the home equity loan from her credit report as a desired outcome.I researched PSECU’s credit reporting regarding the member’s past home equity loan. It was determined that although reporting had ceased, the loan was still present on her credit report’s history. Our Collection’s manager requested the deletion of the entire trade line on April 16, 2014 to remedy this. Please allow one to two weeks for the request to process.I hope this information helps.If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted].Sincerely,

November 20, 2015Dear [redacted],
I am writing in response to your email dated November 16, 2015 regarding correspondence received by the Revdex.com (Revdex.com) concerning PSECU, which was assigned the ID of [redacted]. In the correspondence to the Revdex.com, the individual explained...

that a loan application was started where he agreed for PSECU to pull his credit report. He did not complete the loan application; however, a credit report was pulled by PSECU. The individual is asking that PSECU remove the inquiry from the credit report.I discussed the correspondence with PSECU's Credit Services Manager who is making the credit report correction. We submitted a request to the Credit Bureau to remove the inquiry from the credit report on November 20, 2015. It takes approximately two weeks for the Credit Bureau to process this information.
I hope that this information helps. Please do not hesitate to write again if you feel that may be of any further assistance.
Sincerely,Tammy H

Review: I have banked with PSECU for over 10 years and I have recently recieved the worse customer service possible.

My banking services have been revoked due to poor research of account use.

I have signed loan agreements which have also been suspended due to the account issue causing me to not pay my loans with PSECU on time. Which in agreement they cannot due, to sign an agreement - revoking my credit card for me to to have acess to view my accounts online. They revoked online services for me to even know balances on my loans and do not provide me with a statement only letters telling me I'm late when I have requested for statements and such regarding my accounts. I was in touch with an administrative assitant and she has failed to respond to me regarding everything I have requested to be able to make payments on time to avoid credit reporting issues. All payments made to my loan were also to be adjusted to reflect the date they were due only because this error was PSECU's not mine and PSECU should be held liable.

The customer service representative showed poor account research and all representatives failed to help me in the way they wish they promised.Desired Settlement: All my loans effective dated and adjusted to not reflect credit reporting.

Access to view my loan statements and balances.

Access to my CREDIT card that is current in which agreement there was no reason to suspend services on my PSL or Credit Card.

Business

Response:

April 25, 2014

**. [redacted]

Revdex.com of

Metropolitan Washington DC and Eastern PA

1337 North Front Street

Harrisburg, PA 17102

Dear **. [redacted],

I am writing in response to your letter dated April 16, 2014 concerning ID [redacted]. In the letter, the member explained that her services were revoked along with her [redacted] credit card suspended and online services deactivated. The member also suggests that her payments were to be adjusted to reflect the date they were due.

Through the review of the account, I determined that on March 7, 2014, a deposit was made in the amount of $300.00 and an immediate withdrawal occurred in the amount of $350.00 at a [redacted] Community Credit Union ATM. A day later, at the same Credit Union, another deposit was made in the amount of $500.00. The funds were also immediately withdrawn. PSECU attempts to make funds from deposits available to members on the business day that we receive their deposit. However, there are instances where funds members deposit by check may be delayed for a longer period of time. Some of those instances may be that the member may have overdrawn their account repeatedly in the last six months. Another reason holds are placed on checks deposited may be that we believe a check deposited may not be paid.

On March 14, 2014, PSECU’s representative reviewed the account and determined that during the period starting January 1, 2014 through March 18, 2014, twenty (20) checks were presented for payment on the account where the funds were not available. Each time, a Non-Sufficient Funds fee was assessed to the account. PSECU’s representative attempted to contact the member by telephone to discuss the account activity as well as inform her that a hold will be placed on the most recent deposit. Unfortunately, the representative was unable to reach the member by telephone. The representative immediately followed up with a letter to inform the member that a hold will be placed on the latest deposits in the amount of $500.00 and $300.00. Through further review of the account, PSECU’s representative revoked the member’s services.

In an email dated March 28, 2014 to the member, I explained that as a courtesy, we will waive the last three overdraft fees. Additionally, I explained that the member’s [redacted] loan payment was due for March 25, 2014 and her Vehicle loan payment was due for March 18, 2014. I further explained that if a payment is mailed to PSECU by Saturday, March 29, 2014, we will effective date the payments for when they were due.

A partial Vehicle loan payment and a Personal Service Loan payment was made on Saturday, March 29, 2014. We have effective dated the payments. Additionally, a payment was made to the [redacted] Loan which will be effective dated as well. Revdex.com

Response ID: [redacted] (con’t) pg. 2 of 2

PSECU considers its services to be an additional benefit to our members. Due to the activity on the member’s account, PSECU feels that the services were closed properly in the member’s best interest and PSECU’s. We ask that all future loan payments are made in the form of a Cashier’s Check, Money Order or a cash deposit at one of our branch offices. The mailing address for payments is PSECU, P.O. Box 67012, Harrisburg, PA 17106-7012.

PSECU provides members a chance to re-apply for additional services after one year when services are terminated on an account. The member may apply for services again on March 18, 2015.

The member did request an account history statement which was mailed to her on March 31, 2014. However, as a courtesy, I am attaching another copy for her review.

This non-public information is being disclosed to you in accordance with Regulation P Ҥ 1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation.

I hope this helps clarify the current status of the account. If you have any questions, please do not hesitate to call me at [redacted].

Sincerely,

[redacted]Chief Administration Officer

cc: Gregory A. Smith, PSECU President

Consumer

Response:

Review: I had an account with psecu some years ago. During my divorce there were issues with the account so I closed it. Shortly after they reported the account was not properly closed and I owed money on it. The money was paid and they said the account was closed. A year or so later I tried to open a new account with them. However every time I do they say a new one can't be opened because an old one still exists. When I call no one can find the old account to tell me what needs to be done to close it. I havr tried everything I can on my end. I am unable to open a new account and I am unable to do anything on my end to close the old account and psecu will not work with me to close the account.Desired Settlement: I would like the old account to be closed out and a new one opened. Also any negative credit reporting from the old account be removed from my credit report.

Business

Response:

January 8, 2013

Dear **. [redacted],

I am writing in response to your letter dated January 2, 2014 concerning ID [redacted].

The individual states in her message that she had an account with PSECU some years ago which was closed because of issues surrounding her divorce. She explains that shortly after the account was closed, PSECU reported that she owed money on the account. She further explains that PSECU is refusing to open a new account for her because of an existing account. She notes that when she calls in, no one can find the existing account or assist her in closing it.

I researched the individual’s account and determined that the account in question was opened with a joint owner on December 28, 2000. The account went negative on September 11, 2007. The member was contacted by PSECU on November 15, 2007 in an attempt to recover the $421.93 negative balance. The member ended the phone call once she determined what the call was in reference to. The joint owner was also called that day and told that funds from his individual account would be transferred to cover the negative balance except for $180.00 in non-sufficient funds (NSF) fees incurred by the member which would remain due. The joint owner was also informed that services on the joint account would terminate. Additionally, the account was closed on January 6, 2011 due to dormancy; however, the $180.00 negative balance was still due.

The individual applied for membership on January 31, 2013 and again on January 2, 2014. On both occasions, she received a message that stated “Our records indicate an outstanding existing account issue for one of more applications”. Additionally, the messages instructed her to contact PSECU to discuss the matter further. The responses were due to the $180.00 in NSF fees from 2007; however, this information needed to be provided directly to the individual for security reasons. When the individual was made aware of the need to call PSECU on January 2nd, she replied “No thanks”.

If the individual pays the $180.00 in NSF fees, she will be able to apply for membership with PSECU.

A check for the full payment made payable to PSECU can be mailed to PSECU; P.O. Box 67013; Harrisburg, PA 17106-7013 Attention: Administration, or the individual may contact us at [redacted], select option *, and enter [redacted] to speak with a representative in Collections,

This non-public information is being disclosed to you in accordance with Regulation P "§ 1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation.

I hope this information helps.

If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted].

Sincerely,

Review: I moved to New Jersey over two years ago from Pennsylvania. Since my move I have attempted several times to change my title and regisration of my vehicle from PA to NJ. The New Jersey Department of Motor Vehicles requires me to send a form to my credit union, PSECU, requesting them to send my title to NJ DOT so the title can be re-issued and sent back to PSECU, my lein holder. I have sent two request for** to PSECU with no response. My motor vehicle loan payments have been up to date and are not at issue. I have a seperate debt with PSECU that is not related to my vehicle which I was not able to keep up with since my divorce.

Because I fell behind on my credit card debt PSECU had frozen my account over 4 years ago. I have not been able to access my car loan acount. I have een making car loan payments blind every month since. I was not able to talk to anyone at PSECU because I could not remember my PIN number when I called in. In going through some documents recently I located my PIN number and got through to a live person. I explained my problem with my title and I was advised that I needed to make payment arrangements on my outstanding [redacted] debt before they will release my title to NJ DOT. I called the number they provided for the debt collector and made arrangements to pay down my outstanding debt. I called PSECU back and was now told that they will not release my title untle my vehicle loan is paid in full. My vehicle loan was never an issue and feel that their business practice is borderline illegal. If I am ever stopped or get into an accident with a New Jersey drivers license and a Pennsylvanis Registration I will get a ticket and points on my license. If they would just send the title to NJ DOT, they will send it back. I will never touch it, but only to sign it at DOT for the new one to be issued. This in New Jersey Law. I am not a bad person, and am in fact a 19 year retired police veteran. I feel that PSECU is practicing bad faith business and borderline criminal acts for not permitting me to folllow the vehicle laws.Desired Settlement: I want PSECU to forward the title to the New Jersey Department of Transportation as requested so that I can change my title and finally my vehicle registration. As it stands I am currently violating New Jersey Vehicle Laws because of PSECU's failure to follow through on a request that is required by law.

Business

Response:

December 20, 2013

Dear **. [redacted],

I am writing in response to your letter dated December 11, 2013 ID [redacted] concerning one of our members.

The member states in his letter that PSECU has not forwarded his vehicle title to the New Jersey Motor Vehicle Commission (MVC). Member stated that he moved to New Jersey from Pennsylvania over two years ago. He explains that the NJ MVC requires the lien holder to send the vehicle title in order to have it converted from a Pennsylvania vehicle title to a New Jersey vehicle title. He notes that two request forms were sent to PSECU with no response. He explains that a PSECU representative informed him by phone that he would have to make payment arrangements on an outstanding [redacted] debt before his vehicle title would be sent. He further explains that once those payment arrangements were made, PSECU told him that he would have to pay off his entire outstanding debt to have the vehicle title forwarded.

I want to thank the member for bringing this matter to our attention. PSECU’s Director of Member Services and I conducted research on the member’s account to establish why the vehicle title had not been sent to the NJ MVC. It was determined that PSECU should have forwarded the title to New Jersey MVC. Additionally, the agent who spoke with the member regarding paying off his entire outstanding debt was unfamiliar with our practice and incorrectly informed the member. I apologize for any inconvenience that was caused by this situation.

I have instructed PSECU’s Director of Member Services to address this situation with the employee to prevent this from occurring in the future. Additionally, the member’s forms and vehicle title were overnighted to the New Jersey MVC on Thursday, December 19th. A PSECU employee called and left a message for the member on Friday, December 20th informing the member of the shipment while also providing a tracking number.

If you have any questions, please do not hesitate to write again or contact me by telephone at ###-###-#### if I may be of further assistance.

Sincerely,

Consumer

Response:

[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.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. It is unfortunate that this matter had to be brought to this level. Thank you for the immediate corrective action. I received notification from PSECU that the title was sent to the [redacted] DMV office. I had also received a call from the [redacted] office of the DMV advising that they received the title. The transfer of title was completed Saturday morning.

Regards,

Review: Have been trying to contact PSECU for why my loans that were paid off through a debt collector haven't been taken off of my account yet, the only response I did get from a person it takes up to a month for this to happen. It has been more then a month now, I had emailed to them on their secure site, needing to log in with my password and username, to get you will have to call us at 1-800 number extension what ever it is, I cannot recall off hand. I tried to explain to them several times with my current work schedule I do not have the time or liberty to be placed on hold for god who knows how long, nor can I call do to my current work schedule, and asked them why I cannot get these simple questions I have asked over their secure website. Just that I need to call them, its been an ongoing thing for a few weeks now, and they need something done to make better customer service.

I deal with a local bank that their customer service out performs them by 10 fold. If I need anything and its off hours, an email is sent and I get a response to any question via a non secure email within 12 hours, unless its sent over the weekend.Desired Settlement: For them to change their policy that on a secure email off of their secure site that the customer service should be there, and not give a run around for simple questions, and step up to the [redacted] area best credit union that I always see posted in the window of the ATM at the square in my town, they do not meet or exceed pond sm at this time for very poor customer service over a secure website,

Business

Response:

Review: During the month of September PSECU was holding a special at my college that if you signed up for a checking account and got checks and used online banking they would deposit 50$ into your checking account. I signed up for a checking account on September 30th 2014 (which was the last day they were running this promotion). After awaiting and never receiving the 50$ I contacted them and was told I didn't qualify because my account isn't a primary account. While I was applying for my account I was never asked if I had another account and was never told that I didn't qualify. Therefore I feel I was lied to in order to open an account and will not be getting the service as advertised.Desired Settlement: I would request that they deposit the 50$ into my account as promised when I opened the checking account.

Business

Response:

November 14, 2014Dear [redacted],I am writing in response to your letter dated November 10, 2014 with ID# [redacted], concerning correspondence from our member. In the member's correspondence, she explained that she opened a PSECU account on September 30, 2014 after seeing a promotional item. Our member explained that the promotional item covered a $50 deposit in her account with the opening of a Checking, Check Card, Mobile and/or Online Banking access.Through the review of the account, I determined that our member opened a secondary account with PSECU on September 30, 2014 using the promotional code and followed the instructions of the promotional offer. Our staff reviewed the file and determined that she has an existing account with PSECU and is already a PSECU member. PSECU’s promotional disclosures (see Attachment A) specify that current PSECU members are not eligible for the promotion.As a courtesy to our member, we will make an exception and deposit $50 in her secondary Checking Share account on November 20, 2014.This non-public information is being disclosed to you in accordance with Regulation P “S 1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation".I hope this helps. Please do not hesitate to write again if you feel I may be of any further assistance.Sincerely,Tammy HChief Administration Officer

Consumer

Response:

[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.]

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,

Review: Psecu has failed to report the payoff of my $33,000+ home equity loan to the credit bureaus. Thus resulting in a poor credit score for me. It was paid off in September 2013 and I have called several times and was told it was being taken care of. Now 8 months later it is still on my credit report. This is unacceptable. [redacted] had my home loan off in 2 weeks.Desired Settlement: Get the home equity loan off my credit report immediately.

Business

Response:

April 23, 2014Dear **. [redacted],I am writing in response to your letter dated April 15, 2014 concerning ID [redacted].The member stated in her message that PSECU did not report the payoff of her home equity loan which is causing her a poor credit score. She explained that her home equity loan was paid off in September 2013. She further noted that she called in several times and was told that it would be corrected. She requested that PSECU immediately remove the home equity loan from her credit report as a desired outcome.I researched PSECU’s credit reporting regarding the member’s past home equity loan. It was determined that although reporting had ceased, the loan was still present on her credit report’s history. Our Collection’s manager requested the deletion of the entire trade line on April 16, 2014 to remedy this. Please allow one to two weeks for the request to process.I hope this information helps.If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted].Sincerely,

I've had a checking account with PSECU since 2013. Since my account has gone into the negative a couple times, they have decided to close my account. I've been going through a divorce and have had some hard times, but to close my account is crazy. The negative balance has always been very minimal. I also get a direct deposit into my account every 2 weeks, like clock work.

Review: Everytime a payment is mailed to psecu with all the information on the check to make sure the payment is made. They deposit the check into my account instead of paying my car payment in which it has mad e the payments late! It has caused late fees & additional charges. Also, the aggrevation of trying to get them to cooperate professionally.

There customer service department keeps making threats to my son that they want additional money of $100 to stop repossession of the vehicle. The payments are up to date. They have not applied my payment to the car payment. Once again, they argue that they are not processing the payments.

Have contacted their HR dept. beore & they did NOTHING in regards to this. They keep threatening me everytime I go to make a payment! They are mis representing the organization. They have argued for the last 5 months about how the payments are not made on time, & they don't ever admit what they are doing is wrong & very viscious to make a payment late. My payment is due again tomorrow, however, it is one month later & they still haven't processed my last months payment & applied it to the account. They are holding my money in my personal account instead of applying it to my car payment.

Their problem is that my car loan is in my son's name as a family owned business vehicle. However, I pay for it, I insure it, I drive it!Desired Settlement: PAY THE CAR PAYMENT IMMEADIATELY...CEASE & DESIST ALL BEHAVIORS OF MALICIOUS INTENT!

Business

Response:

June 4, 2014

Revdex.com of

1337 North Front Street

Harrisburg, PA 17102

Dear [redacted],

I am writing in response to your letter dated May 27, 2014 concerning ID [redacted].

The individual stated in her message that payments for an auto loan are not being applied. She explained that this occurs despite her inclusion of all necessary information on the checks to make sure they are applied. She further alleged that PSECU’s customer service has made threats to her son requesting an additional $100.00 to stop repossession of the automobile. She noted that it has been one month since she made her last payment and it still hasn’t been applied to her loan. She further stated that PSECU has argued for the past five months that payments are not being made on time and does not admit any fault. She requested immediate payment of the auto loan.

In researching the auto loan and payments in question, I reviewed the individual’s accounts and reached out to PSECU’s Director of Auto Collections. It was determined that the individual’s son originated an auto loan with PSECU in the amount of $21,199.70 on April 28, 2011. The individual is a joint owner on the son’s account but is not a co-signer of the loan. Additionally, notes from a September 25, 2013 phone conversation stated that the son made the loan for his mother’s use. The notes also detailed that she was taking responsibility for its payments, although, the loan’s obligation has been his in its entirety.

In regards to the payments not applied, PSECU followed normal procedures and practices regarding delinquent auto loans. In the past six months, the automobile has been out for repossession twice. The most recent repossession was ordered on April 9, 2014, when the loan was 40 days past due with $682.78 delinquent. The individual’s payment of $341.39 on April 18, 2014 was placed on hold in the joint account’s savings share. This was done because the payment was not enough to bring the loan current and pay the repossession cancellation fee. The borrower was informed in the past that he needed to pay any past due amounts and repossession fees assessed to close a repossession order. He was made aware of this in phone conversations which took place on January 3, 2014 and May 21, 2014. Additionally, since September 13, 2013, PSECU sent eleven notices to the borrower informing him of various delinquencies pertaining to the auto loan in addition to numerous phone calls.

Response to Revdex.com – ID [redacted]

Page 2 of 2

Through a review of phone conversations PSECU had with the individual’s son, it was determined that they were cordial in nature. In contrast to the individual’s claim of threats made, the PSECU representatives who spoke to the individual’s son acted professionally.

An exception was made on May 30, 2014 to not charge the individual the $100.00 repossession fee. The repossession order was cancelled and the previous payment was applied to the total delinquent amount. As of June 4, 2014, the member is seven days delinquent with a total $341.39 past due.

This non-public information is being disclosed to you in accordance with Regulation P Ҥ 1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation.

I hope this information was helpful. Please do not hesitate to contact me again if you feel I may be of additional assistance.

Sincerely,

Chief Administration Officer

cc: [redacted] President

Review: The judgement was filed over 7 years ago over an old account they need to take this off my credit report or will be sued for effec6ng my credit.Desired Settlement: get it off of [redacted]!

Business

Response:

August 15, 2014Dear [redacted],I am writing in response to your letter dated August 8, 2014 concerning ID [redacted].The individual stated in his complaint that PSECU needs to remove an old account from his credit report. He explained that it needs to be removed as the judgment was filed over seven years ago. He further explained that the credit reporting is affecting his credit report.Through a review of our records, it was determined that PSECU is not reporting the individual's charged-off Signature loan to the credit bureaus. Seven years from when the loan was chargedoff was March 27, 2014 and PSECU had not reported the loan since March 1, 2014. Further, none of PSECU's credit reporting on the individual is currently derogatory. The individual may find it beneficial to know that all US citizens are entitled to one free copy of his/her credit report each year. One can request a copy of his/her credit report by visiting AnnualCreditReport.com. While one may obtain his/her credit report from other sources, the most accurate information comes directly from the credit reporting agencies themselves. TransUnion, [redacted], and Experian sponsor AnnualCreditReport.com to allow individuals access to all three reports from one website. Further information on credit reporting is available on each of the aforementioned credit bureau's websites and on PSECU's website at https://www.psecu.com/financialmgmt/.This non-public information is being disclosed to you in accordance with Regulation P $1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation. I hope this information was helpful. Please do not hesitate to contact me again if you feel I may be of additional assistance.I hope this information helps to resolve the individual's concern. If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted].Sincerely,Tammy HChief Administration Officer

Consumer

Response:

Your still reporting a judgement on my [redacted] credit report and I know all about the credit reporting laws, so get the judgement off because it is still on there!

Business

Response:

August 27, 2014Dear [redacted],I am writing in response to your letter dated August 19, 2014 concerning ID [redacted].In the individual's rebuttal, he contested our response to his August 8, 2014 complaint. He explained that PSECU is still reporting a judgment on his [redacted] credit report.Through further review of our records, it was determined that PSECU is not reporting the individual's charged-off Signature loan to the credit bureaus. Seven years from when the loan was charged-off was March 27, 2014 and PSECU has not reported the loan since March 1, 2014. Further, none of PSECU's credit reporting on the individual is currently derogatory.Please know that PSECU's Administration Analyst followed-up with the individual to provide clarification on the matter. The individual was informed by phone on August 27, 2014 that our initial, aforementioned findings, as stated in our August 15, 2014 reply, remained valid. He was further informed that his charged-off loan was being reported within the public records section of his credit report by the [redacted] County Courthouse. The individual was advised to conduct further research with [redacted] and [redacted] County Courthouse as PSECU did not have the authority to correct the matter. Additionally, he was informed that our Administration Analyst was available at [redacted] to answer any further concerns he may have regarding this matter.This non-public information is being disclosed to you in accordance with Regulation P $1016.15(a)(1), (2)(iii) and (7)(iii). It is our intention that this information be strictly used for those limited purposes; i.e., for resolving consumer disputes or inquiries and regulatory investigation. I hope this information was helpful. Please do not hesitate to contact me again if you feel I may be of additional assistance,I hope this information helps to resolve the individual's concern. If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted].Sincerely,Tammy HChief Administration Officer

Consumer

Response:

Review: [redacted]

I am rejecting this response because:

They have a judgement on my credit report ([redacted]) and it needs to be removed! I will take legal action. This is over seven years old.

remove it or else!

Regards,

Review: My credit union has required ALL customers to change to a User ID and password from the long-time account number and PIN number. problem is now I cannot get into my bank account no matter what I try EVEN with the so-called help from the 800 number people. Then I was notified that I had a handful of unauthorized transactions on my [redacted] debit card. They sent me a new card; however, I was told to submit a written dispute form to contest the unauthorized charges "once they posted to my account." Problem is I cannot get into my account because of this new password nonsense. So, how can I dispute the charges. If they have posted to my account, which I will never know since I cannot get into my account, I may run out of money or write a bad check and not even know it. Nobody can help me from PSECU. I was even on vacation out of state in August and on the phone with PSECU without success. Today, I got upset in frustration and said "damn it" I want to speak to a Manager right g.d. now. I was hung up on. I guess the solution is to walk in and close my account and ask for all my money. Then I will sue PSECU at the local magistrate for damages, any losses I incur and court costs. I would rather they help me, but I am out of patience and soon, likely out of money too!! HELP!!!!Desired Settlement: (1) Get my accounts straightened out and be able to see my accounts at a glance online or on my cell phone as I have been able to do for over 25 years without problems until this new USER ID crap....and (2) have the unauthorized charges taken off my account as they promised to do.

Business

Response:

Review: they keep running my credit without my permission and its hurting my credit score and I don't know what it is for.I want it off my credit report and a letter sent to me saying that.Desired Settlement: for them to take it off my credit report and to send me a letter saying that or I will file fraud charged.

Business

Response:

May 2, 2014Dear [redacted],I am writing in response to your latter dated April 27, 2014, ID [redacted] concerning a credit report dispute.In the letter to the Revdex.com, it is stated that PSECU keeps running the individuals credit report without his permission resulting in a decreased credit score. The individual explained that this is affecting his credit score and he is unaware as to why PSECU made an inquiry on his credit. The individual asked that this information be deleted from his credit report.Through the review of our records, I determined that on October 12, 2013, the individual was a coapplicant for a vehicle loan. The application was completed at [redacted]. Additionally, on November 1, 2013, the individual applied for a Vehicle Loan with PSECU through another dealership - [redacted].When members apply for a loan with PSECU, certain credit granting criteria is evaluated; e.g., employment history, credit history, income, FICO score, etc. Therefore, through the credit review process, we have made an inquiry on the individuals credit report.If additional inquiries were made by PSECU, we ask that the individual please fax a copy of his credit report to [redacted] or mail us a copy to [redacted]If you have any questions, please do not hesitate to write again or contact me by telephone at [redacted] if I may be of further assistance.

Review: I have an account with PSECU. My husband receives his disability check at the end of the month. They, PSECU, received notification of this deposit on 2/25/13 indicating a deposit would be made on 2/28/13. Unbeknownst to me, my account had gone negative on 2/12/13. No notification was made to me until I received a letter on March 1, 2013 which was dated February 16, 2013. The delay of 17 days is unacceptable hence I was charged $120 in overdraft fees.

Then to make it worse, they deducted $292.21 from my daughter's account and transferred it to my account. My ex-husband had removed me from his joint account which in turn untied my daughter's account from mine. They had done this previously and I told them I did not want them to do so again in the future, but they did it once again. The did not have either her permission (she is 20) nor my ex-husband's permission, nor mine to do so.

They have my home phone number as well as email address which I can be contacted and this would have been taken care of very easily. Thus the $120.00 in overdraft fees for 17 days would have not been necessary. I feel that I need some sort of apology and/or refund due to their inability to provide me with timely notice of the overdrawn account.Desired Settlement: I request an apology and reimbursement of at least half of the overdraft fees they took from me due to their inability to notify me in a timely manner of this overdraft!

Business

Response:

Please see attached response.