Public Service Credit Union

A PSCU representative contacted [redacted] to discuss her concernsPSCU will continue to work with [redacted] if she experiences further difficulties with the online payments service

Initial Business Response / [redacted] (1000, 5, 2015/09/25) */ Re: Revdex.com CASE#: XXXXXXXX We have contacted our member directly and believe that this complaint has been resolved If you have any questions, please contact me directly at XXX-XXX-XXXX Thank you, [redacted] Member Relations Director Public Service Credit Union

We reviewed Ms [redacted] communications with PSCU's branch and Loss Mitigation (collections) staffMs [redacted] and the co-borrower on the loan she described made numerous on-time payments on the loan prior to this issue occurring, so it does not appear that they misunderstood how the product workedWhen the branch discussed past due payment with her, she did not accept their offer to set up automatic payments that could prevent this issue from reoccurring in the futureFinally, our records indicate that PSCU made several attempts (via both mail and email) to remind Ms [redacted] and the co-borrower of the late paymentAfter our review, we believe that that the loan is being reported accurately to the credit bureaus and that PSCU fully explained the nature and features of the product to the borrowers

A product manager was able to contact Mr [redacted] via email, and he indicated that his issues have been resolved

[redacted] ,Public Service Credit Union has carefully reviewed this matter againWe understand you would like to modify your loan, but we are unwilling to negotiate a modification based on the circumstances of this case We have taken appropriate steps to legally repossess the vehicle, and we sent a right to cure letter on July 13, Unfortunately there is nothing else we can do in this situation

PSCU reviewed Mr [redacted] 's account, and determined that his complaint was resolved amicably by a co-borrower on the loanPSCU disagrees that inconsistent information was provided to Mr [redacted] about his account

Complaint: [redacted] I am rejecting this response because: They have not told the truth as per stated in my previous notesThey call to say what can they dobut yet they have done nothing but lied Sincerely, [redacted] ***

[redacted] ’s complaint relates to PSCU’s overdraft program, which includes a Courtesy Clear option for non-recurring debit card and ATM transactions [redacted] opted into the overdraft program for debit and ATM transactions when she opened her accountFor these transactions, PSCU charges an overdraft fee if there are not enough funds available to cover the transaction at the time the transaction is attempted; the transaction is then allowed to process at the point of saleIf a member does not opt into the Courtesy Clear service and attempts a transaction when not enough funds are available, the transaction is declinedPSCU refunded two of [redacted] ’s Courtesy Clear fees, and has left her a message confirming whether she wishes to opt out of the service for future transactions

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 Sincerely, [redacted] ***

After reviewing Mr [redacted] 's response, a manager in PSCU's Loss Mitigation (Collections) Department made contact with Mr [redacted] to discuss his concernsFollowing that conversation, PSCU believes this matter to be resolved

Mr [redacted] spoke with a Public Service Credit Union (PSCU) representative on December 27, PSCU explained that Mr [redacted] was still responsible for making payments until his auto loan was paid in fullAdditionally, the PSCU representative cautioned Mr [redacted] that GAP insurance may not cover the remaining balance on the loanPSCU did not advise Mr [redacted] to cease making monthly payments, and PSCU cannot address why third parties may have offered that advice PSCU received an insurance claim check in January for most of the balance of Mr [redacted] auto loanPSCU has confirmed that Mr [redacted] appropriately filed a GAP claimIn addition, refunds of other ancillary products have been requested in order to reduce the remaining balance on Mr [redacted] loanPSCU has reviewed this matter and confirmed that it is accurately reporting to the credit bureaus with respect to Mr [redacted] auto loanPSCU is committed to working with Mr [redacted] to ensure the loan is paid off and reported accurately to the credit bureaus

[redacted] , We apologize for any miscommunication regarding your checking account and vehicle loan. Public Service Credit Union restricts access to your checking account after a delinquency of 15 days on your vehicle loan. We have not withdrawn funds from your checking account to make your loan... payment at this time. Our Member Solutions Department will contact you at the number we have on file to discuss further and review any options we may be able to offer regarding your financial hardship. Thank you, Public Service 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 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 meGiven that I actually hear from themAlso I would like to reiterate that the reason my loan was days behind was because I was told to just not pay when I tried to skip a payment Sincerely, [redacted] ***

Public Service Credit Union (PSCU) is aware of the eStatement notification issue, and PSCU is working with a vendor to terminate the notifications that are being sent to Mr [redacted] The vendor has indicated the issue should be resolved within the next monthPSCU apologizes for the inconvenienceWith respect to the credit reporting dispute, PSCU has confirmed that it is accurately reporting to the credit bureausHowever, as an extra precaution, PSCU has submitted a manual ticket to the credit reporting bureaus to ensure they are reporting Mr [redacted] ’s PSCU accounts as discharged in Chapter with a zero balance owed

why was this person not follow policy and I don't need anyone who is not on the account to share any informationI would like to make sure no others account holders does this

We reviewed Mr [redacted] correspondence and have refunded the feesA check has been sent to Mr [redacted] address, and we have reached out to Mr [redacted] to notify him of the decision

[redacted] has refunded some of [redacted] 's outstanding feesA [redacted] representative attempted to contact [redacted] to discuss her outstanding concerns, but as of the time of this communication [redacted] has not responded to the attempt

[redacted] , Public Service Credit Union will be in contact with you to discuss any questions you have regarding your vehicle loan including the recorded mileage on the purchase agreement and titleWe will be mailing you a letter today explaining the details of your vehicle loan and a direct contact for further discussion Thank you, Public Service Credit Union

[redacted] , Public Service Credit Union mailed a Notice of Plan to Sell Property on 01/08/advising required details of how you were able to obtain your vehicle along with contact information for the credit union This notice was sent to the address you had on file with the Credit Union Public Service Credit Union will mail an additional letter today explaining the details of actions takenPlease contact us with any additional questions you may haveA direct contact will be included in the letter mailed today