SAFE Credit Union

Dear Mr***, I am writing in response to the consumer complaint you filed with the Revdex.com on June 15, regarding a fraudulent dispute you submitted with SAFE on March 5, 2015.We have reviewed your account as well as all of the supporting documentationAs stated in your consumer complaint, a provisional credit of $was posted to your account on March 19,after filing a SAFE Fraudulent Transaction Dispute formWhen the provisional credit was issued, a letter explaining the temporary nature of the credit was mailed to you on March 20,2015.We immediately opened your case with [redacted] and the merchant involvedUnfortunately, the merchant of your disputed transaction was able to provide supporting documentation that goods or services were rendered based on the contractual agreement you entered intoThey indicated that they maintain accurate records of all customer contact with their Customer service Department and no attempt had been recorded to cancel before the expiration of the trial membership.Based on this information a letter was mailed to you on April 10, which required your response by April 24, This letter provided the following two options for additional actions: A statement indicating you have reviewed the merchant's documentation and your detailed reason(s) for wanting to continue the dispute If applicable, and this is still a fraudulent transaction, please use the following verbiage in your response" I have never been in contact with this merchant, and did not inquire about, authorize, participate in, or benefit from this transaction or merchant"Unfortunately, no response was received from youTherefore on April 27, a letter was mailed to you explaining the provisional credit would be reversed and the claim was being closedIt also clarified that SAFE no longer has any disputing rights on your behalf for the charge in questionThe provisional credit was reversed on May 8, 2015.SAFE takes fraudulent transaction claims extremely serious and makes every effort to assist our members in resolving these disputesI have enclosed the documentation from this case for your review.If you have any questions or concerns, please feel free to contact me directly at [redacted] .Respectfully, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to my concern, and do not find that this resolution is satisfactory to me as none of my other credit cards interest rates have increased and I have had them for years, but will agree to not disagree with the matter any further

Revdex.com: I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.The issues has resolved, albeit the damage was already done I mainly wanted the bank to take responsibility because their handling of the matter was disconcertingI’ve been a customer of theirs since about 1994, they’ve handled several auto loans for me & my husband, as well as a home equity loan that was paid off early We have IRA funds in their bank, two checking accounts, two savings accounts I could not believe that they mishandled this matter in the way that they did.I appreciate the quick action by Revdex.com and appreciate your help in this matter Thank you!

Dear Mr***,I am writing in response to the consumer complaint you filed, # [redacted] , with the Revdex.com on October 19, regarding your billing dispute with [redacted] ***.On July 27, you opened up a billing dispute case with SAFE Credit Union to dispute a transaction for $We provided a provisional credit to your account on July 28, On September 16, we mailed the response from [redacted] to your current address on fileIn this response the merchant provided evidence that the disputed double charge was in fact a separate authorizationThe [redacted] provided two different signed receiptsOne for 61,yen from July 11, and 30,yen from July 12, 2015.As outlined in the letter dated September 16, 2015, in order to continue the dispute, SAFE would have to be in receipt of a written response from you with details on the reason(s) for wanting to continue the dispute as well as evidence to prove that this was a duplicate charge no later than September 30, 2015.SAFE makes every effort to assist our members in resolving billing disputesSAFE must operate within VISA dispute resolution rules to assist our members in these casesUnfortunately, Visa sets very specific guidelines on time frames for dispute resolution, and if those time frames are not met, SAFE no longer has any disputing rights on behalf of our members.Since no response was received from you and SAFE had no evidence that this charge was a duplicate, a second letter was mailed to you on October 2, notifying you that the case was closed due to non-response and a failure to prove your claim based on the evidence that [redacted] providedHowever, you still have the right to continue to pursue this dispute directly with the merchant.We truly appreciate your membership, and hope you will be successful in resolving this dispute with [redacted] ***Please feel free to contact me directly if you have any other questions or concerns at [redacted]

Dear Ms. [redacted] , I am responding to your consumer complaint letter to the RevDex.com dated February 8, 2018, regarding a $244.60 transfer from your checking to the joint account held with [redacted] . You questioned why SAFE paid [redacted] ’s [redacted] bill payment in the amount of... $246.46 on December 14, 2017 when the checking account had an insufficient available balance. SAFE checking accounts are automatically reviewed for Courtesy Pay when there is no designated overdraft transfer source or the available balance is insufficient to cover the item. [redacted] ’s checking account qualified for Courtesy Pay when the [redacted] bill was presented for payment. You mentioned that you were told that you wouldn’t have access to his account when it was opened. Although [redacted] ’s account was initially opened as an individual account, on October 6, 2012, a signature card amendment was signed by you and [redacted] to add you as a joint owner to [redacted] ’s account. All owners on an account are jointly and severally liable for any and all losses, fees or charges assessed to or created by any owner on the account. A series of letters were mailed to the primary address for [redacted] from December 14, 2017 to February 3, 2018. Since the negative balance remained, on February 5, 2018, $244.60 was transferred from your checking account, owned individually by you, to the savings account owned jointly by you and [redacted] to cover the negative balance. It appears that you were added to [redacted] ’s account as a joint owner, so you could use our electronic cross-account transfer service between the two accounts. In your complaint you request a return of the $244.60 to your checking account. Based on your explanation of why you became a joint owner on [redacted] ’s account, SAFE has agreed to return the funds and have posted $244.60 to your checking account on February 14, 2018. If you have any further questions, please contact me at [redacted] . Sincerely, [redacted] Deposit Services Manager

Dear [redacted] ***: I am writing in response to your recent communication with SAFE Credit Union (SAFE) pertaining to the complaint resolution agreement that was made to remove an inquiry from your credit reportIn October 2016, SAFE agreed to remove the credit inquiry performed by SAFE on September 7, from your credit reportYou have since notified SAFE that the inquiry in question has not been removed.Upon review of the situation, I have confirmed SAFE submitted a request to [redacted] , the reporting credit bureau agency, on October 04, to have the inquiry in question removed from your credit reportAfter your recent communication, SAFE contacted [redacted] who confirmed they received the request, but had not processed itOn January 18, 2017,, SAFE obtained confirmation that the inquiry dated September 7, has been removed from your credit report.SAFE appreciates you bringing this matter to our attention, allowing us the opportunity to provide resolution to our agreement.If I can be of any further assistance to you, please contact me directly at [redacted] .Sincerely, [redacted] ***

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

I am writing in response to the consumer complaint submitted to the Revdex.com on September 24, in referenced the credit screening conducted by SAFE Credit Union (SAFE) on September 7, As a member owned financial institution, your comments are important and are taken seriously by both management and SAFE's Supervisory Committees.In your correspondence, you indicated that SAFE performed a hard inquiry on your credit report after you requested to open a checking and savings account, and are requesting that this inquiry be removed from your credit reportYou also stated that you feel this process violated the Fair Credit Reporting Act.SAFE appreciates you bringing this matter to our attention so that we can evaluate furtherI would like to communicate why an inquiry was run against your credit and address the concern you have pertaining to the Fair Credit Reporting Act.SAFE considers membership and the associated accounts and services to be a credit relationshipApplicants applying for primary or joint membership, joint account ownership, or other authorized signer or custodial beneficiary capacity with SAFE are screened through SAFE systems and consumed/credit reporting agencies to fulfill Bank Secrecy Act and Office of Foreign Assets Control (OFAC) requirementsIn addition, obtaining a credit report allows SAFE to conduct robust identity verificationA sign is located in the lobby of each branch that notifies members about the identification procedures used by SAFE to comply with the USA PATRIOT Act.The process in which SAFE screens applicants for membership is in accordance with the Fair Credit Reporting Act, which governs activities of those who collect, report and furnish credit informationBy law, consent to obtain a credit report is implied when membership is requested and does not require express consent prior to screening.Although this is SAFE's practice when establishing membership, we also recognize the frustration this may have caused, not being fully aware that an inquiry was being made to your creditPer your request, SAFE is removing the inquiry in question from your credit report.If I can be of any further assistance to you, please contact me directly at [redacted] Sincerely, [redacted] ***Loss Prevention ManagerSAFE Credit Union

In your correspondence, you acknowledge that the balance in your checking account was negative $before proceeding to withdraw $at the ATMYou also acknowledged that the end-of-day balance was negative $before the Courtesy Pay (overdraft) fee was chargedAccording to our records, the transaction you described occurred on October 24, SAFE charges only one Courtesy Pay fee per day for ATM and debit card transaction overdrafts based on end-of-day balanceThe Fee Schedule, attached, lists the range of fees based on the end-of-day balanceSAFE’s website, www.safecu.org, includes a chart showing how transactions can affect end-of- day balances and the applicable feeThe chart also shows how no fee is charged if the account balance is brought positive before end-of-day I regret that there was confusion about how the Courtesy Pay fee is chargedAs a courtesy, the full $ fee charged on October 24, has been refunded to your checking account effective November 6, If you have any questions, please contact me at [redacted] In addition, you expressed concern regarding a $Bill Pay Inactivity Fee that was charged to your account Per our fee schedule, $is charged when the Bill Pay Service is not active As a courtesy, your account was credited the $fee on August 18, To avoid a fee, Bill Pay service must be used to pay a minimum of one bill every days If you are unable to use the service to pay one bill every days and do not wish to incur a fee, please contact SAFE’s Call Center at [redacted] to cancel Bill Pay service

Dear Mr***, Thank you for taking the time to speak with me on August 24, 2015, about your complaint to the Revdex.com regarding the finance charges on your auto loanAs we discussed, the original principal balance on your loan was $19,The $15,balance on your statement that you refer to in your letter is the balance at the beginning of the quarter, not the original loan amountWe value your membership and appreciate you taking the time to bring your concern to our attentionShould you have additional questions please feel free to contact me directly at [redacted] Sincerely, [redacted] SAFE Credit Union

Please find attached our response to this member complaint. Thank you

Revdex.com:
I have reviewed the
response made by the business in reference to my concern, and find that this resolution is satisfactory to me. Sun Park called me on 4/25/and was the first voice of reason from Safe Credit Union that I have been able to speak with Very professional and understandingM.r *** took the time to listen, let me vent, and ultimately agreed to credit my account in full for the disputed amount Definitely a credit to his organization

We are writing in response to the complaint you filed with the Revdex.com on May 24, 2017, regarding the error that was made by SAFE Credit UnionAs the Regional Assistant Vice President, over the El Camino Branch, I thoroughly investigated your concerns.On April 5, 2017, an error
occurred when a member came into the El Camino Branch and did not have his account numberThe branch representative looked up the account information and proceeded to assist him with the request for an online password changeAfter reviewing film and receiving confirmation from you, we identified that it was not your husband, *** ***, that came in to make the requestThe branch representative that assisted the member had looked up the incorrect account and used your account informationFollowing this incident, the branch representative received additional training and coaching to ensure that this does not occur in the future.When you came into the branch on April 5, 2017, *** ***, Assistant Manager, helped you to ensure that any escalation be handled immediately by a member of leadershipMrs*** re-assigned that account because the initial concern was possible identify theftAt that time, *** ***, Branch Manager offered to work in conjunction with Mrs***, to resolve the issue.Mrs*** contacted you on April 7, 2017, to follow up with the issueAt that time, there were no other concerns discussed or follscheduledWe sent a VISA gift card out on April 7, 2017, in the amount of $to acknowledge and apologize for the inconvenience that you have experienced. Mrs*** contacted you a few weeks later on April 15, 2017, to ensure that everything was in working order with the accountThere were no items being returned or any issues on the new account.We have since confirmed with our Assistant Vice President, *** *** of the Call Center, that the email you received from *** on May 3, 2017, was due to the bill payment service transition periodThere was an attempt to collect funds for your mortgage payment to *** Bank on the old account and received an uncollectable message.On May 5, 2017, the funds were withdrawn from your new account in the amount of $and *** Bank has received their paymentThe payment for *** was paid on May 15, There was also a bill pay for *** that was paid on April 24, The bill payment service is currently operating as it should.In response to not receiving good customer service, we would like to apologize to you for not being able to respond to your email in a timely mannerMrs*** believed when she spoke with you on April 7, 2017, that everything had been resolvedAfter the incident on April 5, 2017, Mrs*** closely monitored her email inbox in case you had reached out, as you did on April 6, Unfortunately, when they received the email on May 5, 2017, it was lost within a multitude of emails received on that dayWe deeply regret this oversight and want to ensure that it was not our intention ti ignore your email on May 5, 2017.Please accept my sincerest apology for the errors made by my staff that led to this situationI can assure you we have taken appropriate actions to reinforce member identification and member security training to all of our staff membersif you have any questions, please feel free to contact me at *** ***Sincerely,*** *** ***, Regional Sales Manager, AVP

Dear Ms***:I am writing in response to the letter you wrote to the Revdex.com (Revdex.com) on July 14, 2015, in reference to your previous experience with Safe and your current request to settle the interest owing on your 2nd mortgage.First, I would like to apologize if your recent
interaction with SAFE did not meet your expectationsSAFE’s goal is to always provide exceptional service to our members regardless of their standing with the credit union.Your letter states “Received a call at my place of employment after FIVE years advising me that my home will be foreclosed on if payment arrangements aren't madeMy ex spouse was supposed to be making these paymentsNot once was I notified in FIVE years via phone call or mail that payments weren't being made.”On September 25, 2009, you indicated to staff that you would not be making any further payments to your SAFE 2nd mortgage as you were going through a divorce and were attempting to have your payments with your 1st mortgage lender modifiedYou indicated that if your 1st mortgage lender was unable to assist you, you would be walking away and letting your property go into foreclosureAt that time, you were advised that your failure to make monthly payments would not relieve you of your loan obligationAdditionally, you were advised that SAFE was willing to assist you with a possible workout solution if you provided documentation to support your hardshipThe other options available to you at that time were to sell your property for less than the balance owed (Short Sale), or to pursue a Deed in Lieu of Foreclosure. According to our records, your 1st mortgage lender initiated foreclosure on June 23, and the foreclosure process was cancelled on December 15, 2010.Since you had discontinued making payments, SAFE chose to charge off the balance of your 2nd mortgage on November 16, 2009, and stop all collection activityHowever, this does not terminate SAFE’s lien, nor does it eliminate SAFE’s right to foreclosure in your propertySince that last payment received in July interest has accrue and has accumulated in the in the amount of $15,as of the date of this letterSAFE continuously monitors this property’s value as since market conditions have improved; it’s become apparent that there is sufficient equity in your property for SAFE to now initiate foreclosure.You also indicated in your letter “When speaking with the collection officer, she was deaf to any pleas and advised that if I accept a low offer on my home, they will flat refuse to release lien in propertyThey also will review a short sale, but may or may not happen”.In your conversation with *** *** on June 18, 2015, *** advised you that we could review your loan to see if we could assist in reducing your monthly payments with a possible modificationAdditionally, *** *** advised that she would attempt to work wit you on making an acceptable payment arrangement to avoid the loan going into foreclosureYou advised *** that you were listing your property and that you would be unable to make any payment to SAFEHowever, you wanted SAFE to reduce your interest so you could profit from the sale of your propertyAccording to the valuation that SAFE was able to obtain on your property at the time; it appeared that there was sufficient equity in your property to pay the balances on both your 1st and 2nd mortgages, including accrued interest, in full.It is SAFE’s policy to request certain documentation so that your circumstances can be reviewed by upper management before a decision can be made to settle or waive principal or interest in a remaining loan balanceUpon receipt of a proposed offer, SAFE would obtain a full appraisal in your property to better assess the value and make a determination on how to proceed at that timePlease contact me directly upon receipt of an offer on your propertyI hope that this clarifies SAFE’s intent in this matterPlease let me know if I can be of any further assistance. Sincerely,*** ***Collections & InsuranceRecovery Manager

Dear Mr***; On behalf of SAFE Credit Union, I want to thank you for bringing your concerns to our attention, and taking the time to speak with me on October 18th about your loan and the items noted in your letterWe are committed to high quality service in every
area of the organization and while your initial experience was not satisfactory, I am pleased that we were able to resolve this matter for you.As stated in your comments to the Revdex.com, the $monthly payment was insufficient to fully amortize the loan during the original month term due to the addition of the premium for the SAFE Payment Protection (SPP) planThe SPP plan is a voluntary program which protects you and your family by canceling your loan payments is certain situations such as involuntary unemployment, disability or death.The original contract you signed for the SAFE Payment Protection plan on May 11th, omitted the amount of the total fees for the planA revised SPP contract was mailed to you on March 18th, with the correct fee listedThe revised contract outlined that extra payments would need to be made to cover the cost of the protection planSAFE however, did not require you to sign the revised contract and it appears that there was a lack of communication to adequately explain how the payment and maturity date was affected due to the addition of the SPP plan cost.Therefore, in accordance with your request and per our discussion, we have cancelled the SAFE Payment Protection planWe have fully re-calculated your loan and have refunded you the full cost of the plan and related interest totaling $4,This amount represents the $4,in SAFE Payment Protection plan fees and $in interestYour loan balance was therefore reduced by the balance represents what remains on your loan and is accurate to the original contractual terms and agreement in place prior to adding the SAFE Payment Protection plan coverage. Once again, we greatly appreciate your business, and I apologize for the miscommunication and any inconvenience this situation may have causedPlease let me know if you have any questions.Sincerely,Consumer Lending Risk & Systems Manager--

May 4,
*** ***
** *** **
*** ** ***
RE: Consumer complaint # [10599949]
Dear Mr***,
I am writing in response to the consumer complaint you filed with the Revdex.com on April
28, regarding a cashier’s check. In the complaint, you claimed that you purchased a SAFE Cashier’s check on February 2, in the amount of $1,made payable to your mortgage company ***. You indicated that after receiving the cashier’s check, you mailed it and it was subsequently lost in the mail You then asked our staff to place a stop payment on this cashier’s check and refund the full amount to you
The Uniform Commercial Code indicates that a stop payment cannot be placed on a lost, stolen, or destroyed check reissued until days after the original issue date of the checkHowever, a stop payment can be placed and a replacement check issued immediately if the member purchases a lost instrument bondAlthough days has not passed from the original issue date as of April 28, 2015, the decision has been made to make an exception and credit your account in the amount of $1,This amount was credited to your SAFE checking account on April 29,
SAFE is committed to delivering exceptional experiences, every timeThank you for bringing this matter to my attention and trusting SAFE with your financial serviceWe look forward to serving you again soon
Sincerely,
*** ***
*** *** *** *** ***
*** ***
cc: *** *** *** *** ***
*** *** *** *** *** *** ***
*** *** *** *** *** ***
*** *** ** *** *** *** ***
*** *** *** ** ** ***
*** ***

March 24, *** * *** K Street Rio Linda, CA RE: Account #*** Dear Mr***: I am writing in response
to your complaint regarding the blocking and reactivation of your SAFE Visa debit cardOur investigation determined that after blocking your card on February 24, 2015, a successful attempt was made to reactivate your card on February 26, by someone impersonating you and providing your personal informationSubsequent to this reactivation, you reported point-of-sale transactions totaling $ I want to apologize for the erroneous reactivation of your card and assure you that SAFE Credit Union takes your account security seriouslyWe have reversed the point-of-sale charges you identified as fraudulent, in the amount of $618.39, as well as an additional $Courtesy Pay fee assessed due to this error As a valued member of SAFE Credit Union, your satisfaction is our goalIf you have any further questions or concerns regarding this matter, please contact me directly at ###-###-#### or ###-###-####, ext*** Sincerely, Vice President, Consumer Banking SAFE Credit Union cc: *** *** *** *** ***, President/COO *** ***, Vice President, Enterprise Risk Management

April 15,
*** *** *** *** *** *** *** *** ** ***
Response to Dispute
Dear Mr***:
I am writing in response to the letter you submitted to the Revdex.com (Revdex.com) on April 8, 2016, in reference to your recent experience that occurred at a SAFE Credit
Union (SAFE) branch when attempting to access monies from an incoming wire funds transferAs a member-owned financial institution, your comments are important and are taken seriously by both management and SAFE’s *** ***
In your correspondence, you indicated that when you attempted to withdraw the funds that originated from an incoming wire received on April 7, 2016, you were denied access to the fundsBecause of this, you were unable to obtain the funds needed to pay sub-contractors and bills, which resulted in additional feesIn addition, you indicated a miscommunication occurred with regards to which financial institution reported you to ***, which you claim further delayed your response time to take appropriate actionsIn addition, because of the *** record, your account was restricted and your *** credit card account was closedAs a resolution, you are requesting SAFE reimburse you for fees and interest that accrued as a result of the hold SAFE placed on the incoming wire funds and that SAFE release the incoming wire funds
We appreciate you bringing this matter to our attention and allowing us the opportunity to evaluate your account and our current processes to see how we can improve your member experience
On April 8, 2016, upon notification of the situation, all funds from the incoming wire received on April 7, 2016, were made availableIn addition, we are working closely to alleviate the restrictions caused by the *** record, pending receipt of requested documentation from you showing proof of the reporting errorUpon receipt of requested documentation, SAFE will re-evaluate your account and *** credit card accessUntil then, your account restrictions have been modified to allow payments to be made on your *** credit card using cash or checkFor additional convenience, credit card payments may also be mailed to SAFE directlyIf you choose to mail your credit card payments, please mail to the following address:
*** *** *** ** *** *** *** ** ***
Upon further review of your SAFE account, there does not appear to be any transactions that were returned or denied as a result of the funds being held on April 7, We are unable to identify the specific fees or accrued interest that resulted from the hold placed on the incoming wireIn order to explore this matter further, please provide us with the specific transaction details relating to the fees and accrued interest for which you are requesting reimbursement
If I can be of any further assistance to you, please contact me directly at *** ***
Sincerely,
*** *** *** *** *** *** *** ***
*** *** *** *** *** ***
*** *** *** *** *** *** *** *** *** *** * *** *** *** *** *** ** ** ***
*** ***

February 17, *** *** *** PO Box *** Sacramento, CA Re: Revdex.com case # Dear ** ***, I am writing in response to the consumer complaint that you filed, with the Revdex.com on February 8,
regarding your billing disrupted with the merchant FHB*MOTTALUXURYAs you indicated in your complaint, you originally contacted SAFE Credit Union’s Call Center on January 27, to report that while you had authorized the subsequent Charge from the merchant on January 8, for $This disputed transaction was Provisionally credited to your account on January 30, and a case initiated on your Behalf with the merchant At that time you also expressed concerns that you did not want to cancel your card due To other recurring authorized debits Since you had previously authorized this merchant, And you were looking for assistance from SAFE to help settle a billing dispute, SAFE did Not block and issue you a new cardHowever, this changed on February 8, when The same merchant made an additional recurring debit for $to your accountThe Abrecurring transaction prompted SAFE’s fraud monitoring system to call and Validate its legitimacyDuring the call you indicated that the charge was not authorized And therefore your card was blockedPreventing any further debits on the cardI recognized that having a merchant you were comfortable with complete unauthorized Transaction on your account can be extremely frustratingNot to mention the Additional hassle of getting a new card and setting up your recurring bills createsUnfortunately, there is no method for SAFE to stop an individual merchant from making Debit from your account once you have given authorization without blocking and Issuing you a new card and number SAFE values your membership and will continue to work with you to resolve the two Disputed transaction totaling $We have also reimbursed your travel fees of $That you incurred in order to receive your replacement card on the same dateThis Credit was applied to your account on February 17, In the future, you may request Expedited shipping for replacement cards or visit a SAFE branch to have cards instantly IssuedWe truly appreciate your membership, and we’re committed to providing the best Products and service to meet your personal banking needsPlease feel free to contact Me directly if you have any other question or concerns at *** *** Sincerely, *** *** Manager, Credit & Debt Program

February 23, *** ***
*** *** **
*** ** *** RE: Consumer complaint # *** Dear Ms***, I am writing in response to the consumer complaint that
was filed with the Revdex.com on 02/16/regarding your auto loan re*** with SAFE Credit UnionAs mentioned in your letter to the Revdex.com, you visited the *** office to perform a Lease Buy-Out of your *** *** *** on 12/06/2014, previously ***d with *** ***. At the time of the Lease Buy-Out, sales tax in the amount of $1,(required to be paid to the *** when buying out a leased vehicle) was not collected due to our processing error. Immediately following the discovery of the error, a SAFE processing representative reached out to explain the situation. When we notified you of the omission of sales tax, in December 2014, we extended ourselves to collect the sales tax and make adjustments as necessary to best meet your financing needsAt that time, you responded that you wanted to look into the issue before replying. Subsequent to that conversation, the representative made several additional attempts to follow up, including leaving messages. In April, a SAFE representative connected with you, and you expressed concern and a desire to review the loan paperwork. SAFE conducted further research and contacted *** to confirm that sales tax was not included. *** provided SAFE Credit Union the copy of the Bill of Sale and Odometer Disclosure Statement, signed by you on 12/16/2014, which read, “In consideration of the sum of $19,which includes sales tax of $paid to *** Lease by *** I ***.” Three other branch employees attempted to make contact and left messages during the year. The *** branch staff was unable to connect with you, at which time SAFE’s *** department assumed responsibility for contacting you and collecting taxes owed. After speaking with SAFE’s *** Department, you agreed to visit the *** branch on 3/28/to sign the original title that *** *** sent SAFE Credit Union. Unfortunately you were unable to keep the appointment. SAFE’s *** department then mailed you a *** *** *** *** *** that was returned by mailThe California *** assessed penalty fees due to the taxes not being paid and the transfer not being completed in the allotted time between *** *** and SAFE Credit Union. SAFE’s *** department completed calls, sent a certified letter and eventually restricted your account as routine protocol due to inaction on your part. It was at this time you contacted the SAFE Call Center. At that time you stated no one had attempted to make contact regarding this issue and again you shared that you should not be held responsible for taxes owed. SAFE Credit Union agreed to pay the tax penalties and the transfer penalties assessed by the California *** however, the car registration due 1/8/had not been paid and you stated that you refused to register the vehicle because of the error that had been made. During email correspondence you shared that you contacted the California *** and were provided a breakdown of the taxes, registration fees and penalties, which together totaled just over $2,On 2/17/2016, after considerable conversation, you agreed to rework your loan to fulfill the tax requirement, fees, and resolve the issueSAFE had an appointment with the California *** on Tuesday, February 23, to complete the transaction. Your registration and registration tags were sent out via certified mail to the address you requested on February 24, We apologize for the initial processing error, and appreciate you working with SAFE Credit Union to resolve the issue. If you have any questions feel free to contact *** *** at the *** Branch at *** ***Sincerely, *** ***
*** *** ***
*** *** *** *** *** ***
*** *** *** *** *** *** ***
*** *** *** *** *** *** *** *** *** ***
*** *** *** ** ** ***
*** ***