Schools First Federal Credit Union Reviews (35)
Schools First Federal Credit Union Rating
Address: 2115 N Broadway, Santa Ana, California, United States, 92706
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For someone doing remote banking and dealing with a elderly parents finances and accounts it has been beyond a nightmare. I will be removing all funds on next visit to this pathetic CU! Unfortunately I am not able to travel of visit my mom due to covid-19 restrictions. I would like to say Patelco has been a great CU in California. I just wish all of my accounts had been there. Get your money out of this crazy poor managed insecure Schools First Federal CU.
We received the correspondence regarding Ms [redacted] ’s complaint referenced above She indicates that she is having difficulty in receiving billing statements Her loan is son quarterly statements being mailed to [redacted] Street, [redacted] *** On January 9, 2017, Ms [redacted] told us that she was not receiving her statements We confirmed her address above and she advised that she was unable to receive mail at this address and provided a PO Box address for future correspondence, but left the [redacted] Street address as her physical addressIn reviewing our records, we were unable to locate prior conversations with our Member where she informed the Credit Union that she was not receiving statements We also reviewed Ms [redacted] ’s account and show that she has full online banking access Our records indicate that she has not attempted to lto our online banking since at least June Ms [redacted] ’s auto loan was days past-due on November 17, when we sent her a demand letter declaring her loan in default and requesting either a full payoff of the loan or to make satisfactory payment arrangements (Exhibit A attached) On December 2, 2016, we sent a second demand letter (Exhibit B attached) again requesting either a full payoff of the loan or to make satisfactory payment arrangements, and tried to contact her at [redacted] and sent her an email to [redacted] YAHOO.COM (Exhibit C attached) Since we had no response to any of our communication efforts, finally on December 13, 2016, we assigned her car for repossession when her loan was over days past-due In reviewing the call from January 9, 2017, Ms [redacted] inquired about her car loan delinquency She was provided accurate information about the status of the loan and was informed that the mailed check payment received on January 4th was not accepted and returned to her because the check was in the amount of $and the past due amount due on the loan was $1, As of the date of this letter, her loan is days past due with a total balance due of $1, Our collections notes do not reflect that we spoke with Ms [redacted] in the month of December, however, she contacted us on November 4, to inquire about opening a checking accountFrom January to December2016, we attempted to reach Ms [redacted] times via phone regarding the delinquency on her auto loan and were unsuccessful in reaching herAccording to our records, she did call the Credit Union times with of those conversations being to initiate check by phone payments After researching and reviewing this complaint, we have determined that the delinquency on Ms [redacted] vehicle loan is accurate and that the Credit Union was not aware of our Member’s change in address until January 9, We do not discuss timeframes for vehicle repossessions with our Members because many different factors trigger repossession efforts which can begin at any time during the delinquency period To show our commitment to work with Ms [redacted] , we will temporarily place repossession efforts on hold and will contact Ms [redacted] to determine if we can come to a satisfactory payment arrangement that will satisfy the past due amount on her vehicle loan In addition, she can contact [redacted] @schoolsfirstfcu.org to schedule a time to discuss the repayment arrangement in detail Sincerely, [redacted] Vice President, Collections and Loan Servicing
August 27, 2015We are responding to the complaint filed against SchoolsFirst Federal Credit Union (“SchoolsFirst”) with the Revdex.com on August 13, by [redacted] Our records reflect that Ms [redacted] has been a SchoolsFirst member since April 23, On or about April 29, 2015, Ms [redacted] purchased a car from [redacted] (“ [redacted] ”) and she financed her purchase with an auto loan from SchoolsFirst As of the date of this response, Ms [redacted] is a SchoolsFirst member in good standing On or about June 16, 2015, SchoolsFirst was contacted by [redacted] to inform us that Ms [redacted] visited the [redacted] dealership location on May 4, and due to her interaction with one of their employees wanted to provide a “heads up” that assistance may be needed in this matter [redacted] had been providing assistance to Ms [redacted] in obtaining her vehicle’s license plates and had called to notify us that she had complaints about their customer service and several [redacted] employees [redacted] informed us that the delay in getting Ms [redacted] her license plates was due to the DMV’s policy that license plates cannot be sent to a P.O Box, which is apparently what Ms [redacted] had listed as her address According to [redacted] , Ms [redacted] refused to provide them with her physical address therefore causing further delays [redacted] s’ Business Development Manager offered to meet Ms [redacted] at a SchoolsFirst branch, her home, job or anywhere that was convenient for her to get this resolved SchoolsFirst records reflect several attempts on our part to address Ms [redacted] ’ concerns, which are centered on her belief that she was receiving unsatisfactory customer service from [redacted] For example, [redacted] ***, Assistant Manager of Consumer Loans for SchoolsFirst, contacted Ms [redacted] on June 16, and spoke with her regarding her concerns with [redacted] Ms [redacted] instructed Mr [redacted] not to speak with [redacted] about her situation Mr [redacted] has several email exchanges with Ms [redacted] referencing this request From approximately June 16, to August 13, 2015, Ms [redacted] had several conversations with Mr [redacted] and [redacted] , Assistant Manager of Consumer Loans for SchoolsFirst, regarding her concerns with [redacted] Ms [redacted] indicated she was not satisfied with Mr [redacted] and Ms [redacted] ’s responses, so she requested to speak to me on August 13, I spoke with Ms [redacted] by telephone on the afternoon of August 13, 2015, during which time she reiterated her complaints against [redacted] pertaining to their alleged poor customer service and a part on her vehicle that needed replacing Ms [redacted] also stated that she did not believe calls she had placed to Mr [redacted] and Ms [redacted] were being returned quickly enough Later that same day, I had a follconference call with Ms [redacted] that included Mr [redacted] and Ms [redacted] We wanted to be sure that we addressed her concerns relative to SchoolsFirst During this call with Ms [redacted] , we apologized for how she felt she was treated and we advised her that SchoolsFirst was not ignoring her messages We explained that we were in the process of investigating her complaints against [redacted] and had planned to call her with our findings, but she ended up contacting us first With the foregoing in mind, we note that the settlement desired by Ms [redacted] involves returning the vehicle (and presumably unwinding the existing loan) and obtaining another loan with SchoolsFirst so that she may purchase a different vehicle We feel that we have appropriately addressed Ms [redacted] ’ concerns relative to SchoolsFirst and as such, we respectfully we decline to comply with her request to unwind her loan transaction with us Ms [redacted] ’ allegations are against [redacted] relative to their customer service and car repair issues she alleges she is experiencing Based on SchoolsFirst’s conversations with [redacted] representatives, it is our understanding that [redacted] has directly responded to Ms [redacted] ’ complaints Accordingly, there is nothing further that SchoolsFirst can do for Ms [redacted] Sincerely, [redacted] Manager, Consumer Loans
On December 21, 2017, we received complaint [redacted] from the Revdex.com regarding Non-Sufficient Fund (NSF) fees being charged to [redacted] ’ SchoolsFirst Federal Credit Union accountDuring our investigation it was discovered that Mr [redacted] contacted SchoolsFirst FCU on October 13, 2017, with concerns that [redacted] was debiting his account when funds were not available, causing numerous subsequent NSF fees In listening to this phone call, Mr [redacted] stated that he did in fact provide his debit card number, routing number and account number to [redacted] , and each time when authorizing these debits his account had available funds Mr [redacted] appears to be under the presumption that when he authorizes a [redacted] transaction the funds are debited immediatelyWhat Mr [redacted] may not understand is that this type of transactions may take 2-business day for the debit to take placeAt the time these debits occurred from [redacted] , Mr [redacted] had already withdrawn the account funds causing the NSF fees to be charged At the conclusion of our investigation, we have determined that the NSF fees assessed to Mr [redacted] ’ account were in fact valid The transactions in question were authorized and when presented for payment the account did not have sufficient fundsBased on this finding we have determined no monies will be refunded to Mr [redacted] If you have questions, regarding our findings please contact me at ###-###-####, extension *** Sincerely, [redacted] Manager, Payroll Services
Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below [I found that I did not agree with some of the items in this disputeI was not given proper notice of the reposessionI didn't bring this up in this complaint but I feel it now needs further explanationI had called Schools First before my vehicle was repossessed and explained that I had moved and I was being sent mail to the wrong addressSchools First did not believe that a call stating that I had moved and they were sending mail to the wrong address was a correct way to advised them that I had moved and that they were sending mail to the wrong addressI did not received proper notice and it actually took several phone calls to correct this simple problem I also think it is injust that even though I was days past due I had just received my vehicle back from a redemption and was in a PAYMENT ARRAIGMENT WITH SCHOOLS FIRSTOn top of that they sent the notices of repossession to the wrong address after not updating my address even after several phone calls with Schools First associates Also, I never said that the repossession was illegalI had stated that the repossession agency did not adhere to proper Califonia Repossession Law due to personal property missingI even included a copy of my dispute that clears up the claims as stated in the responseI only brought this dispute up because a Schools First associate from the collections departmentI feel Schools First should keep their word and honor a removal of a repossession from my credit report.] Regards, [redacted]
Our Member [redacted] stated that the debt on her husband’s account was decreed in divorce as his responsibility Ms [redacted] and her husband have joint responsibility of the debt at SchoolsFirst Federal Credit Union The joint financial responsibility supersedes the divorce decree and is aligned to the standard business practices we have in place for our membership/customers Therefore, the debt remains both Ms [redacted] and her spouse’s joint contractual responsibility The divorce decree does not excuse her financial responsibility for the joint debt We have contacted our Member to discuss this situation
October 14, Roman"> Revdex.com Re: Better Business Bureau Complaint ID XXXXXXX Mr [redacted] Membership [redacted] Auto Loan [redacted] Dear Revdex.com, SchoolsFirst Federal Credit Union (the “credit union” or “SchoolsFirst FCU”) has received the correspondence regarding Mr [redacted] and we have researched his credit dispute requestWe have determined that the credit union followed proper procedures in handling the repossession that Mr [redacted] is referring to and our reporting of the repossession to the credit bureaus is accurate On March 17, SchoolsFirst FCU received an impound notice dated March 6, from [redacted] **indicating that the Acura RSX had not been picked up by the registered ownerAt the time the impound notice was received, Mr [redacted] ’s payment on the vehicle loan was days past dueThe impounded vehicle was subject to a 30-day hold unless picked up by the lienholderOn March 17, we attempted to reach Mr [redacted] via phone, email, and letter to advise him of the impound noticeWe did not receive a response from Mr [redacted] On March 25, we made the decision to pick up the vehicle as it was accruing storage fees of $per dayThe impound repossession assignment was sent to [redacted] and on March 26, [redacted] picked up the vehicle from the impound yardOn March 30, we received a call from Mr [redacted] who advised us he was aware of the impound repossessionWe discussed the terms of the repossession and advised Mr [redacted] of the prerequisites needed in order for the credit union to release the vehicle back to him On April 8, Mr [redacted] attempted to pick up his personal belongings from [redacted] and notified us that his personal belongings were missingWe engaged with [redacted] to initiate a claim to investigate the loss [redacted] did not have a record of any personal belongingsA claim was then initiated with the impounding company, [redacted] **., and they did not have record of any personal belongings eitherAlthough both inquiries resulted in no record of personal belongings and it was not clear who was responsible for the loss, [redacted] in good faith took responsibility for the loss and engaged with Mr [redacted] in itemizing the missing belongings and their valueAs a result, [redacted] and Mr [redacted] came to an agreement that a lump sum payment of $would satisfy his claim of missing personal belongingsThis agreement also stated that SchoolsFirst FCU and [redacted] would be released from all future claims resulting from the March 30, repossessionThis agreement is supported by a written document signed by Mr [redacted] dated May 3, Mr [redacted] ’s concern regarding the credit reporting of the repossession was addressed several timesOn July 1, 2015, Mr [redacted] called us to request that we remove the repossession credit reporting on the basis that having possessions missing from his vehicle at the time of repossession made the repossession illegal We explained to Mr [redacted] that having missing items does not make a repossession illegalFurther, the security agreement signed by Mr [redacted] on 05/14/for the vehicle loan in question states under paragraph 9: WHAT HAPPENS WHEN YOU ARE IN DEFAULT indicates that: ‘We will not be responsible for any other property not covered by this Agreement that you leave inside the Property or that is attached to the Property.’ On September 3, 2015, Mr [redacted] submitted a credit disputeThis investigation revealed that the credit reporting accurately reflects his payment history and repossession status In reviewing Mr [redacted] ’s claim and our records, both SchoolsFirst FCU and [redacted] followed proper procedures and worked in conjunction to address his concernsIf you have any questions or would like any additional information, please contact me at 714-258-*** Sincerely, [redacted] Department Manager, Collections 714-258-ext***
Schoolsfirst Federal Credit Union contacted our Member on October 10, The transfer of $to US Bank had been stopped as of October 2, and all fees returned to Ms***'s account We have responded via letter to our Member and attached a copy of response Understandably, Ms*** has stated she will verify this has been corrected to her satisfaction in November when this transfer does not happen The Credit Union will use this as a training opportunity with parties involved to ensure similar incidents do not happen to other Members Sincerely, [redacted] SchoolsFirst Federal Credit Union Vice President, Member Service Experience 714.258.4000, ext.***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear belowI disagree with this responseThey provided poor customer service and I have closed my checking account with them, subsequentlyI will not refer any further business to themI do not appreciate their disrespectful and substandard customer service.
Also, my name is Ms***, not Ms***They should know that if I have a loan in that nameThis is just more evidence of their incompetency.
Regards,
*** ***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.For the record, onMay I did not go in to ***I contacted the Rental location in Mid City on North La Brea inquiring as to why the rental car contract had not been closed out on April when I returned it I returned it to the sales associate who I purchased my car from (and returned the rental car to) on April I made three different phone calls and the car sales associate took business days to process the paperworkI waited calendar days to get my refund because the car sales associate did not assist as he was supposedHe also told me to give my old mailing address for my application and license platesTherefore, my license plates got sent to my old addressI called three times and was told my plates were on the wayI finally was able to communicate with the asst manager and he said my plates were mailed to an old a addressI was told to pay DMV fee to replace the plates and I'd be reimbursed, even though their sales associate made the mistakeI stated they could mail my plates to my new address which was not a post office box and they refusedThey never offered to bring them to my homeThey said I could get them at my bank but the banks are further away from my home and this conflicted with my work scheduleThey refused to take my address again and said I had to come into the dealership on the day the plates arrived even when I said I felt uncomfortable coming in and even thoughI informed them this was the anniversary of my parent's death. I contacted *** regarding difficulties with the Asst Manager's poor customer service regarding finding getting my car repaired*** stated she would call me back before the end of the dayShe never didThe next day , hours later I contacted herShe told me an Rnterprise representative said she was forbidden from contacting meI asked to speAk to her supervisor because she refused to contact *** regarding my customer service issues*** contacted r and said he could not tell me what *** had shared with them regarding my contract and repairI contacted their manager *** to assist me with getting my car repaired and find out the conversations discussed involving my contract with ***, the car repair and poor customer service *** 's Asst Manager provided.
Regards,
*** ***
Our Member contacted SchoolsFirst Federal Credit Union on February 2, and a credit dispute of the tradeline was filed on this date. The dispute falls under the Fair Credit Reporting Act under which we have thirty (30) days to complete, however we have expedited our research on this
matter based on the urgency communicated by our Member.Our research should be completed by February 18, 2015, and we will contact our Member once we have concluded the investigation
Sincerely,
*** ***
Vice President, Member Service Experience
SchoolsFirst Federal Credit Union
Please see attached letter
Our Member *** *** stated that the debt on her husband’s account was decreed in divorce as his responsibility. Ms*** and her husband have joint responsibility of the debt at SchoolsFirst Federal Credit Union. The joint financial responsibility supersedes the
divorce decree and is aligned to the standard business practices we have in place for our membership/customers. Therefore, the debt remains both Ms*** and her spouse’s joint contractual responsibility. The divorce decree does not excuse her financial responsibility for the joint debt. We have contacted our Member to discuss this situation
We are responding
to the complaint filed against SchoolsFirst Federal Credit Union
(“SchoolsFirst”) with the Revdex.com that we received on August 31,
by *** ***
Our records indicate
that Ms*** received her license plates on 6/16/at the ***
Culver City location from Robert Chua, the manager of that location
We understand
that Ms*** is still covered under ***’s month or 12,mile
warranty for covered items.
We once again
extend our sincere apologies to Ms*** for any confusion and any issues
she had with *** and we feel that we have appropriately addressed Ms
***’ concerns relative to SchoolsFirst and as such, any further issues will
need to be resolved between Ms*** and ***
Sincerely,
*** ***
Manager,
Consumer Loans
We received correspondence regarding Ms*** concern for the above referenced caseOur research shows on June 5, when Ms***’s auto loan was completed $2,was collected for sales tax. Registration was current and not collected during that visitOn September 25, our
records indicate we spoke with Ms*** regarding our September 28, visit to the Department of Motor Vehicles to deliver all documents and pay all fees for this transaction including registrationWe understand there was a second conversation that occurred September 25, where the same teammember requested registration fees from Ms***We sincerely apologize for the confusion this conversation caused On September 28, a total of $for registration and fees was personally delivered with all applicable paperwork to the Department of Motor VehiclesCompleted registration and vehicle stickers were sent federal express to Ms*** which was confirmed delivered September 29, A phone call was left for Ms*** by *** *** on October 2, I apologize for all the inconvenience this has caused Ms***In addition, we will provide additional training to our team to effectively communicate proper lease buyout instructions regarding processes and fees (sales tax, registration, etc.) If you have any further questions or would like any additional information please feel free to email at t***@schoolfirstfcu.org or please contact me at ###-###-#### Sincerely, *** *** Vice President, Consumer Lending
July 15,
"">
*** ***
*** *** ***
*** ***
*** *** ** ***
Re: RevDex.com Complaint ID ***
Credit
Card ending in ***
Auto
Loan xxx***
Dear Ms***,
We received a complaint dated July 4, submitted through
the Revdex.com in reference to the current credit reporting on your
credit card and auto loan with the credit union. Your complaint states that your credit lines
are reporting incorrectly because you have received a cancelation of debt form
(Form 1099-C) from the credit union for both the credit card and vehicle loan
referenced above and therefore the reporting balances should reflect a zero
balance You are also claiming that the
credit union collected on your credit card debt illegally because you received
a cancellation of debt for it
The information below will address your concerns
Issuance of a Form 1099-C simply indicates that the lender
has cancelled the debt and that no further collection activity will take place. On the other hand, credit reporting is a
record of your payment and loan balance history with the lender. The two items are not related and therefore
we continue to report to the credit report agencies the outstanding balance of
a loan even after we have issued a Form 1099-C to our Member
Our records do not indicate that we have issued a Form
1099-C for your credit card. If you have
received one, please provide us a copy and we will update our records. In December of 2013, you contacted the credit
union to dispute the debt for the credit cardYou claimed that during the time
frame in which the charges were made, you were no longer residing in the state
of California and instead were a resident of the state of TexasDuring January
and February of 2014, several conversations occurred with you and teammembers
of *** in which you claimed identity theft and therefore an Identity
Theft Victims Complaint and Affidavit form was sent for you to fill outAt
that time, you were informed that all information in the packet needed to be
completed and a police report in reference to the incident would need to be
attached
On February 7, 2014, we spoke with you again and you acknowledged
that you had received the Identity Theft Victims form but were now instead
looking to improve your credit score and inquired about a settlementBefore we
proceeded with this request and due to previous conversations in which you
stated that the charges on the credit report were not yours, we requested a
letter stating you were retracting your identity theft claimA hand written
letter from you withdrawing the identity theft claim and requesting to settle was
received the same day (please see attached) After the retraction letter was received, we issued
a settlement letter agreeing to settle for 60% of the balance for the Visa
On March 13, 2014, you called in and spoke with an assistant
manager At this time you explained to our
teammember that you were looking to improve your credit and did not want to
settle as that would not reflect as well as a paid in full loan on your credit
report. Our teammember offered to waive
$in finance charges to lower your payoff balance to $It was
explained to you that if you paid that balance, your credit would be updated as
paid in fullThe payoff was agreed upon by both parties and on March 21, 2014,
a cashier’s check for $was received from you at which point your credit
was updated with all the credit bureaus as “Charge off Paid in Full,” with a
zero balance The current credit
reporting on your Visa is correct
We did issue a Form 1099-C for your auto loan for the tax
year and mailed it to the address on file at the time. Your auto loan is charged-off with a
remaining balance of $9,and is being reported as such to the credit
bureaus. The credit reporting on your
auto loan is correct
You also claim that we continued to attempt to collect on a
debt that we had issued a Form 1099-C.
Our records indicate that the last attempt to collect on this auto loan
was in April which is prior to the issuance of the Form 1099-C. Our records also indicate that the payment on
the credit card was a result of your desire to improve your credit report and
initiated by you
In reviewing your claim and our records, we do not see any
errors in our servicing of your loans.
If you have any questions or would like any additional information,
please contact *** ***, Assistant Manager of Collections, at l***@schoolsfirstfcu.org or
at ###-###-####
Sincerely,
*** ***
Assistant Manager, Collections
###-###-####
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
[I found that I did not agree with some of the items in this disputeI was not given proper notice of the reposessionI didn't bring this up in this complaint but I feel it now needs further explanationI had called Schools First before my vehicle was repossessed and explained that I had moved and I was being sent mail to the wrong addressSchools First did not believe that a call stating that I had moved and they were sending mail to the wrong address was a correct way to advised them that I had moved and that they were sending mail to the wrong addressI did not received proper notice and it actually took several phone calls to correct this simple problemI also think it is injust that even though I was days past due I had just received my vehicle back from a redemption and was in a PAYMENT ARRAIGMENT WITH SCHOOLS FIRSTOn top of that they sent the notices of repossession to the wrong address after not updating my address even after several phone calls with Schools First associates. Also, I never said that the repossession was illegalI had stated that the repossession agency did not adhere to proper Califonia Repossession Law due to personal property missingI even included a copy of my dispute that clears up the claims as stated in the responseI only brought this dispute up because a Schools First associate from the collections departmentI feel Schools First should keep their word and honor a removal of a repossession from my credit report.]
Regards,
*** ***
October 14,
Revdex.com
Re: RevDex.com Complaint ID XXXXXXX
Mr
*** ***
*** *** *** *** ***
*
*** ** ***
Membership ***
Auto
Loan *** *** *** ***
Dear Revdex.com,
SchoolsFirst Federal Credit Union (the “credit union” or
“SchoolsFirst FCU”) has received the correspondence regarding Mr*** and
we have researched his credit dispute requestWe have determined that the
credit union followed proper procedures in handling the repossession that Mr
*** is referring to and our reporting of the repossession to the credit
bureaus is accurate
On March 17, SchoolsFirst FCU received an impound
notice dated March 6, from *** *** *** **indicating that the
Acura RSX had not been picked up by the registered ownerAt the time the impound
notice was received, Mr***’s payment on the vehicle loan was days
past dueThe impounded vehicle was subject to a 30-day hold unless picked up
by the lienholderOn March 17, we attempted to reach Mr*** via
phone, email, and letter to advise him of the impound noticeWe did not
receive a response from Mr***On March 25, we made the decision
to pick up the vehicle as it was accruing storage fees of $per dayThe
impound repossession assignment was sent to * * * *** and on March 26,
*** *** picked up the vehicle from the impound yardOn March 30,
we received a call from Mr*** who advised us he was aware of the
impound repossessionWe discussed the terms of the repossession and advised Mr
*** of the prerequisites needed in order for the credit union to release
the vehicle back to him
On April 8, Mr*** attempted to pick up his
personal belongings from *** *** and notified us that his personal
belongings were missingWe engaged with *** *** to initiate a claim to
investigate the loss*** *** did not have a record of any personal
belongingsA claim was then initiated with the impounding company, *** *** *** **., and they did not have record of any personal belongings eitherAlthough
both inquiries resulted in no record of personal belongings and it was not
clear who was responsible for the loss, *** *** in good faith took
responsibility for the loss and engaged with Mr*** in itemizing the
missing belongings and their valueAs a result, *** *** and Mr***
came to an agreement that a lump sum payment of $would satisfy his claim
of missing personal belongingsThis agreement also stated that SchoolsFirst
FCU and *** *** would be released from all future claims resulting from
the March 30, repossessionThis agreement is supported by a written
document signed by Mr*** dated May 3,
Mr***’s concern regarding the credit reporting of
the repossession was addressed several timesOn July 1, 2015, Mr***
called us to request that we remove the repossession credit reporting on the
basis that having possessions missing from his vehicle at the time of
repossession made the repossession illegal.
We explained to Mr*** that having missing items does not make a
repossession illegalFurther, the security agreement signed by Mr***
on 05/14/for the vehicle loan in question states under paragraph 9: WHAT
HAPPENS WHEN YOU ARE IN DEFAULT indicates that:
‘We will not be responsible for any
other property not covered by this Agreement that you leave inside the Property
or that is attached to the Property.’
On September 3, 2015, Mr*** submitted a credit
disputeThis investigation revealed that the credit reporting accurately
reflects his payment history and repossession status
In reviewing Mr***’s claim and our records, both
SchoolsFirst FCU and *** *** followed proper procedures and worked in
conjunction to address his concernsIf you have any questions or would like
any additional information, please contact me at 714-258-***
Sincerely,
*** ** ***
Department Manager, Collections
714-258-ext***
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below.I disagree with this response. They provided poor customer service and I have closed my checking account with them, subsequently. I will not refer any further business to them. I do not appreciate their disrespectful and substandard customer service. Also, my name is Ms. [redacted], not Ms. [redacted]. They should know that if I have a loan in that name. This is just more evidence of their incompetency.
Regards,
[redacted]
We have received additional information from Mr. Parson regarding our initial response. We apologize for not addressing the other points in Mr. [redacted]’ complaint in our original response dated December 28, 2017. Mr. [redacted] has an extensive history of conducting [redacted] transactions and authorizing the debits from his SchoolsFirst Federal Credit Union checking account. In our original response we referenced a phone conversations on October 13, as in his original complaint Mr. [redacted] referred to previous phone conversations with the credit union stating that he had notified us of potential fraudulent activity from [redacted]. In the recorded phone conversation that took place on October 13, 2017, our representative notified Mr. [redacted] that he would need to contact [redacted] if he was in dispute of the transactions. Notes on the account also reflect this information. We have no record that these transactions were ever disputed with [redacted] so we are required to honor them. Regarding the October 28, conversation in our Huntington Beach branch. There are no account notes regarding a conversation about blocking or removing [redacted] from withdrawing funds. If Mr. [redacted] believes transactions to be fraudulent we ask that he contact [redacted] immediately to begin the dispute process, or provide us with documentation that these have already been disputed with [redacted]. If Mr. [redacted] has any questions, he can contact me directly at ###-###-####. Sincerely, [redacted] Vice President Member Service Experience