We have removed the delinquency on the credit reports with [redacted] and [redacted] [redacted] was already reporting correctly We have also waived all late fees We apologize for the inconvenience
I have listened to the calls and I truly hope that MrWade can do some circumspection and actual understand his behavior We have ended our relationship and we wish him well in his future endeavors
Mrand Mrs [redacted] believe that we did not follow through on a commitment made to them regarding an extension request for the Traverse, as well as a skip pay on their Lexus, and due to this, it has caused damage to their credit bureaus.First, I would like to address the problems with the extension request on the Traverse As stated in the complaint, members were offered an extension for 6/5/and 7/5/payments While we did receive some of the paperwork needed to complete the extension request on 7/22/15, we did not receive the signed “Consumer Loan Note Modification/Extension Agreement” from the members The employment information we received for Mrs [redacted] was from a company in T [redacted] and was an offer letter for employment to start on 7/13/ I called the company in [redacted] Cumberland Manor Nursing Center and was informed that Mrs [redacted] was offered employment but never started the job Based on this, we asked Mrs [redacted] for updated employment information in Arizona as both members had expressed that they moved back to Arizona On 8/10/15, I emailed members the extension request, advising them what would be needed to complete this request I advised them that the extension would be for June and July payments, but that they would need to make a payment as the account would need to be current coming off the extension My email to them is attached On 8/11/15, I helped members figure out how to open the email sent to them, as it is encrypted for their security, and received the signed document back on 8/11/ When the signed modification document was received, I sent an email again requesting the August payment as well as updated employment information On 8/14/I did receive updated employment information for Mrs [redacted] ; however we never received the August, payment I did send an email to the [redacted] s advising them we had received all information but would need a payment no later than the end of business 8/14/and received a response of “OK, Thank you” No payment was received on 8/14/or 8/15/and on 8/17/the vehicle was assigned for repossession with the account days delinquent The vehicle was repossessed the morning of 8/18/and all the paperwork for the repossession was completed that day The credit reporting on this account is complete and accurate.The other part of this complaint is on member’s Lexus While it is true that we did offer Mr [redacted] a skip pay on the Lexus, we also explained to him that he would need to call back and complete that request once the funds had processed to his account This request was also stated in Mr [redacted] ’s letter to you Mr [redacted] never completed that request During the emails back and forth regarding the extension request on the Traverse, I continued to ask the [redacted] ’s about payment on the Lexus Not once did they bring up the fact that we were to have given them a skip pay on this loan The only response I received regarding this loan was on 8/14/when Mrs [redacted] stated “Also, I don’t see what the other loan has to do with this one.” We spoke to Mr [redacted] on 9/28/and advised him that once the payment processed for the 8/28/payment that we would forward the skip pay request to have it completed for the 9/28/payment The payment was received on 9/28/and the skip pay was requested that same day The account is now due for the 10/28/ There was one day mark on this account from July which has been updated to reflect paid as agreed
In response to your August 15, email request we have confirmed your signed enrollment for AD&D [redacted] provided through [redacted] Benefits Group through its relationship with TruWest Credit Union on January 16, A full AD&D [redacted] premium refund was completed on July 28, to your Share Savings account We have processed the request to opt you out of all written and telemarketing communication Our actions resolve each of original complaints we received and we consider this matter closed
We have removed the delinquency on the credit reports with [redacted] and [redacted] [redacted] was already reporting correctly We have also waived all late fees We apologize for the inconvenience
I have listened to the calls and I truly hope that MrWade can do some circumspection and actual understand his behavior We have ended our relationship and we wish him well in his future endeavors
Mrand Mrs [redacted] believe that we did not follow through on a commitment made to them regarding an extension request for the Traverse, as well as a skip pay on their Lexus, and due to this, it has caused damage to their credit bureaus.First, I would like to address the problems with the extension request on the Traverse As stated in the complaint, members were offered an extension for 6/5/and 7/5/payments While we did receive some of the paperwork needed to complete the extension request on 7/22/15, we did not receive the signed “Consumer Loan Note Modification/Extension Agreement” from the members The employment information we received for Mrs [redacted] was from a company in T [redacted] and was an offer letter for employment to start on 7/13/ I called the company in [redacted] Cumberland Manor Nursing Center and was informed that Mrs [redacted] was offered employment but never started the job Based on this, we asked Mrs [redacted] for updated employment information in Arizona as both members had expressed that they moved back to Arizona On 8/10/15, I emailed members the extension request, advising them what would be needed to complete this request I advised them that the extension would be for June and July payments, but that they would need to make a payment as the account would need to be current coming off the extension My email to them is attached On 8/11/15, I helped members figure out how to open the email sent to them, as it is encrypted for their security, and received the signed document back on 8/11/ When the signed modification document was received, I sent an email again requesting the August payment as well as updated employment information On 8/14/I did receive updated employment information for Mrs [redacted] ; however we never received the August, payment I did send an email to the [redacted] s advising them we had received all information but would need a payment no later than the end of business 8/14/and received a response of “OK, Thank you” No payment was received on 8/14/or 8/15/and on 8/17/the vehicle was assigned for repossession with the account days delinquent The vehicle was repossessed the morning of 8/18/and all the paperwork for the repossession was completed that day The credit reporting on this account is complete and accurate.The other part of this complaint is on member’s Lexus While it is true that we did offer Mr [redacted] a skip pay on the Lexus, we also explained to him that he would need to call back and complete that request once the funds had processed to his account This request was also stated in Mr [redacted] ’s letter to you Mr [redacted] never completed that request During the emails back and forth regarding the extension request on the Traverse, I continued to ask the [redacted] ’s about payment on the Lexus Not once did they bring up the fact that we were to have given them a skip pay on this loan The only response I received regarding this loan was on 8/14/when Mrs [redacted] stated “Also, I don’t see what the other loan has to do with this one.” We spoke to Mr [redacted] on 9/28/and advised him that once the payment processed for the 8/28/payment that we would forward the skip pay request to have it completed for the 9/28/payment The payment was received on 9/28/and the skip pay was requested that same day The account is now due for the 10/28/ There was one day mark on this account from July which has been updated to reflect paid as agreed
In response to your August 15, email request we have confirmed your signed enrollment for AD&D [redacted] provided through [redacted] Benefits Group through its relationship with TruWest Credit Union on January 16, A full AD&D [redacted] premium refund was completed on July 28, to your Share Savings account We have processed the request to opt you out of all written and telemarketing communication Our actions resolve each of original complaints we received and we consider this matter closed
See attached