PrimeSource Credit Union

This is my second formal complaint against this credit union of which I used to be a memberI asked that they stop mailing me offers for life insurance and stop sending me "benefit" packages requiring my signature, but they are continuing to do soI was assured via the last complaint that all accounts would be closed and I would receive no more correspondencePrime Source's non-compliance with their own performance I now consider harassment, and I'm going to demand compensation from now on until they stop contacting me(Memo for record: former member number; I had a car loan with them that was included in bankruptcy, which should have meant automatic closing off all accounts, but this still has not happenedI have no other business with this credit union but they will not stop harassing me!).For this mail offense and each thereafter, I will demand payment of $payable by cashier's checkAny check mailed to me must be sent by registered mail so I will not confuse it with any of their other offers for life insurance or any other correspondenceSTOP CONTACTING ME, OR PAY $EACH OFFENSE!

PrimeSource Credit Union would like to apologize for any inconvenience this has caused *** ***We have taken additional steps to ensure no further solicitation is sent to his residence, on behalf of PrimeSource Credit UnionPer his request, the account has been closed

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

PrimeSource Credit Union is sorry and regrets that Mr*** received unwanted marketing communications directed to credit union members. His account is closed. We have taken steps to ensure that he is removed from any marketing lists used by our credit union. PrimeSource has complied at all times with applicable bankruptcy law regarding Mr***’s bankruptcy filing. Mr*** is not entitled to compensation. We consider this matter closed

PrimeSource Credit Union has had a relationship with Mr.
[redacted] since April 2013. Our records indicate Mr. [redacted] called
into the office to inquire about his auto loan on May 8th. At that
time, he provided credit card information to pay the remaining balance of just
over $11.00....

At the end of the phone conversation, the employee attempted to
process the credit card transaction which was declined. The employee attempted
calling Mr. [redacted] back the same day to inform him the transaction was
declined, and therefore the loan was not paid off however there was no answer
and she was unable to leave a message. The same employee attempted to contact
Mr. [redacted] again on May 21, and reached his sister this time. The sister
indicated this was no longer Mr. [redacted]’s phone number. The employee asked to
leave a message with her name and number, and was allowed to do so. The employee
waited until May 28 for a response before using alternative avenues to attempt
and collect a good phone number for Mr. [redacted], but did not have any luck. At
this point in time, PrimeSource Credit Union does not have a good phone number
or a good address for Mr. [redacted] leading us without any way to communicate with
him.
 
On June 8th, Mr. [redacted] called the office and
spoke with a manager regarding PrimeSource Credit Union taking the full payment
amount. The manager had a hard time explaining that the credit union recognizes
the issue due to Mr. [redacted] being very upset, and that would be glad to help. Mr.
[redacted] mentioned there may be fees at his other institution, but never gave
specifics or provided documentation so the credit union could reimburse him for
those. The manager attempted to give Mr. [redacted] several options to resolve,
but was not able to complete the conversation before Mr. [redacted] ended the call
abruptly.
 
PrimeSource Credit Union prides itself on our service, and
our commitment to making members’ lives better. We apologize for any
inconvenience this matter has caused.

Review: I had taken out a loan from Primesource credit union. On may 8th of 2015 I called the company to ask how much was left on my loan as I thought it was paid off completely. After being passed around to about 5 different people , they finally tell me that I owe them roughly $11.00. So I give them my credit card info over the phone to take care of the $11.00. I was told my loan was now paid off and my title would be sent to the address on my registration within 8-10 weeks. I was very happy about paying off my first car loan. I woke up on June 8th 2015 to see that Primesource had done another automatic withdrawal on my account for $146.98. I was very confused by this because I had been told that my balance was completely paid. After talking with the company rep named [redacted] , she informed me that I owed $16.00 now because I had a $5.00 charge for delinquent payment and the company is only authorized to take exactly $146.98 from my bank account , even though I only owed $11.00 . This has overdrawn my bank account and caused excess charges to my account , I now have a negative balance of over $200 because this company pulled out $146.98 from my account which led to 2 over draft fees , my card would not have been overdrawn if this company had not pulled out $146.98 when I only owed them $11.00 which I was under the impression was already paid. I have been told there is nothing they will do about the charges to my bank account resulting from the overdrawn amount and was even told by the rep that I should learn how to budget better. The main problem is I gave my credit card info over the phone on May 11th to pay off the balance , they said my card was declined and the payment didn't go through , I'm convinced whoever took my card info over the phone did not enter it correctly because there was money in my bank account and the rep at the time told me everything was good to go. I'm being told this is my fault and they will not correct their own mistake. I paid a 24 month loan to them , every payment on time , never late , and because of $11.00 that I thought I had paid , I now owe bank of america $200 , have a late payment on my credit report , and am being told this is my fault. I do not see how a company can rightfully do this , I am extremely unhappy about this.Desired Settlement: I would like to have all the money they owe me , plus any charges to my account that are a direct cause and effect of this, including any and all overdraft and returned item fees.

I also want the delinquent payment taken off my credit report because I tried to pay them the $11.00 over the phone. I was not late on the payment.

Business

Response:

PrimeSource Credit Union has had a relationship with Mr.

[redacted] since April 2013. Our records indicate Mr. [redacted] called

into the office to inquire about his auto loan on May 8th. At that

time, he provided credit card information to pay the remaining balance of just

over $11.00. At the end of the phone conversation, the employee attempted to

process the credit card transaction which was declined. The employee attempted

calling Mr. [redacted] back the same day to inform him the transaction was

declined, and therefore the loan was not paid off however there was no answer

and she was unable to leave a message. The same employee attempted to contact

Mr. [redacted] again on May 21, and reached his sister this time. The sister

indicated this was no longer Mr. [redacted]’s phone number. The employee asked to

leave a message with her name and number, and was allowed to do so. The employee

waited until May 28 for a response before using alternative avenues to attempt

and collect a good phone number for Mr. [redacted], but did not have any luck. At

this point in time, PrimeSource Credit Union does not have a good phone number

or a good address for Mr. [redacted] leading us without any way to communicate with

him.

On June 8th, Mr. [redacted] called the office and

spoke with a manager regarding PrimeSource Credit Union taking the full payment

amount. The manager had a hard time explaining that the credit union recognizes

the issue due to Mr. [redacted] being very upset, and that would be glad to help. Mr.

[redacted] mentioned there may be fees at his other institution, but never gave

specifics or provided documentation so the credit union could reimburse him for

those. The manager attempted to give Mr. [redacted] several options to resolve,

but was not able to complete the conversation before Mr. [redacted] ended the call

abruptly.

PrimeSource Credit Union prides itself on our service, and

our commitment to making members’ lives better. We apologize for any

inconvenience this matter has caused.

Review: My wife and I currently have three motorcycles that are financed. During the winter we normally place the bikes in storage and make changes to our insurance to identify them as being in storage. Last fall after placing a motorcycle financed by Prime source in Storage I received a letter from their insurance broker stating that I needed to provide proof of insurance. I call the 1 800 number provided and gave them the proof of insurance requested. about a month later I received another letter. I went to their web site and uploaded documentation showing the proof of insurance. In May I received another letter stating that they have purchased additional insurance and the cost would be added to the total amount financed. I spoke with the primary point of contact the beginning of June and she stated she would do some research and get back to me. I missed her call on June 11th and returned her call on the 21st of June and left a message. I made countless calls between then and the last week of July and each time received a voice mail and left my name, number, point of contact and asked her to return my call. I finally spoke to her the last week of July and was told that the form I mailed in to get authorization to place my motorcycle in storage was never received by Primesource. Additionally that if I wanted to place my motorcycle in storage I would have to mail the tags to them. She told me that my only option was to pay the additional charges since it was my fault that they did not receive the request for storage authorization and in the future they would go out of their way to make sure the process was executed as designed. This is the first and only time that I have heard of anyone having to mail their tags to a creditor to place their bike in storage. I will go out of my way to make sure that no one I know ever finances a motorcycle with this company.

Business

Response:

PrimeSource Credit Union prides itself on providing exceptional member service and is disappointed that [redacted] feels he may have received anything less.

The credit unions policy for insurance on all titled units is the same, which does require insurance be on the collateral at all times. The contracts signed between PrimeSource Credit Union and our members state all borrowers will provide the insurance for the term of the loan, so long as money is owed on the collateral.

PrimeSource regrets that [redacted] is unhappy with his services. We would like the opportunity to research this issue and follow up with our member for a resolution.