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]

Initial Business Response /* (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

PSCU reviewed [redacted]s account and corrected the credit reporting issue she identified.

[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 account. For 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 sale. If a member does not opt into the Courtesy Clear service and attempts a transaction when not enough funds are available, the transaction is declined. PSCU 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]

We reviewed Ms. [redacted] communications with PSCU's branch and Loss Mitigation (collections) staff. Ms. [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 worked. When 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 future. Finally, our records indicate that PSCU made several attempts (via both mail and email) to remind Ms. [redacted] and the co-borrower of the late payment. After 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.

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

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 month. PSCU apologizes for the...

inconvenience. With respect to the credit reporting dispute, PSCU has confirmed that it is accurately reporting to the credit bureaus. However, 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 7 with a zero balance owed.

[redacted] has refunded some of [redacted]'s outstanding fees. A [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.

Complaint: [redacted]
I am rejecting this response because:It was my understanding out accounts previously were on auto pay. I never rejected an offer to set this up. I am asking for the companies assistance in giving the same courtesy they give other customers. Nothing you have stated is correct. Please feel free to set up a time and we can meet. I just don't want to be spoke to like I'm an it. 
Sincerely,
Skye [redacted]

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

[redacted],The fees on your checking account with Public Service Credit Union have been partially refunded as of June 28, 2016. Due to the past due amount, the late fees on your overdraft line of credit have not been refunded. Public Service Credit Union will mail a letter today explaining additional...

details concerning your checking account and overdraft line of credit. Please contact us with any additional questions you may have. A direct contact will be included in the letter mailed today. Thank you,Public Service Credit Union

[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 title. We 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 01/08/16 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 taken. Please contact us with any additional questions you may have. A direct contact will be included in the letter mailed today.

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

Due to a processing error, the credit was not posted to [redacted]'s account at the time it was initiated by PSCU. PSCU has corrected the error and confirmed that the refund has been processed, and a PSCU representative has left a message for [redacted] to update him on the status of his account.

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

Mr. [redacted] spoke with a Public Service Credit Union (PSCU) representative on December 27, 2017. PSCU explained that Mr. [redacted] was still responsible for making payments until his auto loan was paid in full. Additionally, the PSCU representative cautioned Mr. [redacted] that GAP insurance may not...

cover the remaining balance on the loan. PSCU 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 loan. PSCU has confirmed that Mr. [redacted] appropriately filed a GAP claim. In addition, refunds of other ancillary products have been requested in order to reduce the remaining balance on Mr. [redacted] loan. PSCU has reviewed this matter and confirmed that it is accurately reporting to the credit bureaus with respect to Mr. [redacted] auto loan. PSCU is committed to working with Mr. [redacted] to ensure the loan is paid off and reported accurately to the credit bureaus.

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

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. Given that I actually hear from them. Also I would like to reiterate that the reason my loan was 15 days behind was because I was told to just not pay when I tried to skip a payment.
Sincerely,
[redacted]