Seasons Federal Credit Union

Upon Mr [redacted] request, we pulled the recordings of the calls he had with our Member Service Specialist and discovered that the proper disclosures were not verbally given to Mr [redacted] He was not properly informed that the payment arrangement would not satisfy the payment obligation of his original loan and that those three payments would report as late even though an agreement was in place We apologize for failing to give Mr [redacted] the correct information We will remove the three late payments that are reporting due to the payment arrangement There were, however, previous late payments that will not be changed These are the payments that were late prior to the work-out arrangement Please give us five business days to work with the credit bureaus to make the change Once we’ve submitted all the proper documentation, we will be given a case number, which we will provide to Mr [redacted] so he can confirm the changes with the credit bureaus Mr [redacted] ’s contact at Seasons Federal Credit Union on this matter will be Kristen [redacted] our Member Solutions Manager Kristen will be in touch with Mr [redacted] after January 4, Again, we apologize for the miscommunication and inconvenience that it has caused

We are in receipt of Mr*** complaint submitted to
the Revdex.com on 4/13/and have reviewed the account and account activity Per the rules outlined in our Rate & Fee Schedule, Mr*** share savings account was charged a $fee.
An exception to this disclosed fee has been made, and the $fee has
been reversed. Mr*** share
savings account balance is now at $5.00, which is the minimum amount to
maintain an open account. Provided the
account balance remains at no more than $5.00, there will be no paper statement
fees or low balance fees. However, if
more than the minimum balance required is kept in the account, Mr***
account will be subject to fees as outlined in the Rate & Fee Schedule
(available for review on our website). Mr*** was provided a written Rate &
Fee Schedule at the time of account opening.
A written copy of any changes made since the account was opened was mailed to the address on the
account every time changes have been made
Seasons Federal Credit Union, a community chartered credit
union for the past years, is a financial cooperative that relies on active
use by its members to stay in business.
Offering financial products and services is growing in expense and
Seasons Federal Credit Union has developed its fee structure to encourage
active participation. Members who are
using the credit union as their primary financial institution, and doing so
responsibly, are able to avoid all fees.
Seasons is proud of its beginnings - as a credit union serving school employees in Middlesex County. There are many members who were/are teachers,
staff and/or family members who joined through a school system. Many of these individuals continue to be very
active members using Seasons as their primary financial institution.
We are hopeful that Mr*** becomes an active, engaged
member of Seasons once again. However,
we understand that Seasons may no longer be the best match for him and would
like to make it easy for him to close his share account. We can now handle the entire account closing
process via online channels, removing the need to physically visit one of our
branches If he is interested in
closing his account, he can express that via this communication channel or by
sending an e-mail to ***
Thank you

The fee of $will be reversed on 10/ The reversal is happening due to the miscommunication on behalf of our staff to Ms*** regarding the placement of overdraft protection

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

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

Complaint: ***
I am rejecting this response because:the team member who is named maggie never said to me that your credit score or anything about negative impact in any form please request the phone records because all conversations took place on phone originally they say all calls are taped she never ask them for tapes
Sincerely,
*** ***

Complaint: ***I am rejecting this response because: I spoke with the detective in charge of my case and he informed me that the routing number on the check had ten numbers not nine so if the cashier "***" knew what he was doing, he never should have cashed the check in the first placeI am not a banker, I trusted my bank to LOOK at a check before they cash it.Sincerely,*** ***

SeasonsFCU
In the original loan documents signed by Mr*** on 1/31/2014,
he agreed to make a monthly payment of $to repay the funds lent to
him. Mr*** requested a payment
reduction in August of 2015. Per the
policy of Seasons Federal Credit Union, a member seeking a loan modification of
this nature must prove ability to pay the newly agreed upon payment for three
consecutive months before new loan documents are signed and the new payment
amount officially goes into effect.
During this time, the original payment due amount is reported to the
credit bureaus. Therefore any payment
less than the amount stated in the loan documents would show on a credit report
as a late payment. While Mr*** had an agreement to pay less for three
months, he was informed by our Member Solutions Department of the
ramifications. These ramifications are
that the member will continue to receive delinquency/intent to repossess
letters in the form of certified and regular mail until the loan was formally
modified; and making reduced payments may negatively impact their credit.
As Mr*** shared in his complaint, Seasons Federal
Credit Union did provide him with a letter explaining that per an agreement
with Seasons there were three partial payments made during the three months in
question. The purpose of this letter is
for Mr*** to provide it to whomever is pulling his credit report and
questioning the late payment.
On 10/15/2015, Mr*** signed the loan modification
documents that included the new agreed upon payment of $a month. The Seasons Federal Credit Union core
processing system reflects the new payment amount due and shows the loan as current. It takes 30-days for the credit bureaus to
update, therefore Mr*** November payment amount due may not be reflected
as of yet. Nor will any payments made
yet be reflected.
Mr*** is asking that we remove the three months of
missed payment off of his credit report.
This is against credit union policy.
We are very clear in the consequences of requesting a loan modification
and verbally communicated this with Mr***. While we are pleased we were able to come to
an agreeable payment arrangement with Mr***, his inability to make full
monthly payments in full as agreed to in the original loan documents qualifies
as missed payments in the eyes of the credit bureau

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

Upon Mr. [redacted] request, we pulled the recordings of the calls he had with our Member Service Specialist and discovered that the proper disclosures were not verbally given to Mr. [redacted].  He was not properly informed that the payment arrangement would not satisfy the payment obligation of his original loan and that those three payments would report as late even though an agreement was in place.  We apologize for failing to give Mr. [redacted] the correct information.  
We will remove the three late payments that are reporting due to the payment arrangement.  There were, however, previous late payments that will not be changed.  These are the payments that were late prior to the work-out arrangement.  Please give us five business days to work with the credit bureaus to make the change.  Once we’ve submitted all the proper documentation, we will be given a case number, which we will provide to Mr. [redacted] so he can confirm the changes with the credit bureaus.  
Mr. [redacted]’s contact at Seasons Federal Credit Union on this matter will be Kristen [redacted] our Member Solutions Manager.  Kristen will be in touch with Mr. [redacted] after January 4, 2016.  Again, we apologize for the miscommunication and inconvenience that it has caused.

The check presented by [redacted] does have a nine digit ABA Routing Number.  I've included an image of the check for reference.  The routing number on a appears in the middle of the check:  [redacted].  The first digits in the MICR line match the check number printed in the upper right hand corner of the check.   The [redacted] system, as previously mentioned in the initial response, will reject anything other than a 9 digit ABA routing number.  
To [redacted]'s comment, "I trusted my bank to LOOK at a check before they cash it."  [redacted] not only looked at the check, he ran it through our [redacted] system.  Also, a internet search on the ABA Routing Number that appears on the check matches it with [redacted], which is the bank listed on the check.  The address printed on the check also matched to [redacted].  All of our policies & procedures were applied in the verification of and the deposit of the check.

Seasons Federal Credit Union opens at 9am on Mondays.  Upon arriving to work, our Call Center team
reviews any outstanding tickets (member service issues) that are fielded by our
after hours/weekend Call Center, which is a third party employed by Seasons to
offer support.  Our after hours Call
Center has limited ability to transact business and deal with branch
issues.   
On Monday, 8/18/14 we received a ticket regarding an ATM
issue at our [redacted] branch from Saturday, 8/16/14.  [redacted] called regarding a cash
deposit he attempted at the ATM around 3:15pm. 
The machine took in his cash but appeared to reboot
mid-transaction.  When checking his
account information online, he did not see the deposit reflected.  The agent who took the call informed Mr.
Edwards that there was no one at the branch to help immediately resolve the
issue and asked him if he would be able to visit the branch first thing on
Monday morning.  [redacted] said he
would and he was very concerned about his mortgage payment, which was going to
be covered by the $1,170 being deposited. 
He was concerned about late fees and a negative mark with his mortgage
lender.  The agent fielding the call told
[redacted] that the credit union would do everything in its power to fix any
issues that arose.  The ticket notified
us that [redacted] would be in to resolve the matter first thing when the
branch opened on Monday.   The Seasons
FCU Call Center employee who received the ticket forwarded it to the Branch
Manager at the [redacted] Branch. 
The Branch Manager, [redacted], completed an audit of the
machine and found the cash [redacted] deposited was diverted to a different
bin.  Unsure as to why the machine
functioned in this manner, the [redacted] contacted the IT department.  A technician was sent out and the servicing
company is analyzing the machine’s event logs. 
[redacted] deposited the $1,170 into [redacted]’ checking
account at 10:17am and e-mailed him a receipt. 
She then called him and he shared that he was on his way to the
branch.  She informed him that the
deposit was made and apologized for any inconvenience.  She also told him that the mortgage payment
did not try to clear his account prior to the deposit so his payment should be
fine.  [redacted] thanked [redacted] and
told her he no longer needed to come to the branch.  She gave [redacted] her cell phone number so
that he had a direct contact for the branch should he have any future concerns
or issues.

In the original loan documents signed by Mr. [redacted] on 1/31/2014,
he agreed to make a monthly payment of $385.77 to repay the funds lent to
him.  Mr. [redacted] requested a payment
reduction in August of 2015.  Per the
policy of Seasons Federal Credit Union, a member seeking a loan modification of
this nature must prove ability to pay the newly agreed upon payment for three
consecutive months before new loan documents are signed and the new payment
amount officially goes into effect. 
During this time, the original payment due amount is reported to the
credit bureaus.  Therefore any payment
less than the amount stated in the loan documents would show on a credit report
as a late payment. 
While Mr. [redacted] had an agreement to pay less for three
months, he was informed by our Member Solutions Department of the
ramifications.  These ramifications are
that the member will continue to receive delinquency/intent to repossess
letters in the form of certified and regular mail until the loan was formally
modified; and making reduced payments may negatively impact their credit. 
As Mr. [redacted] shared in his complaint, Seasons Federal
Credit Union did provide him with a letter explaining that per an agreement
with Seasons there were three partial payments made during the three months in
question.  The purpose of this letter is
for Mr. [redacted] to provide it to whomever is pulling his credit report and
questioning the late payment. 
On 10/15/2015, Mr. [redacted] signed the loan modification
documents that included the new agreed upon payment of $300 a month.  The Seasons Federal Credit Union core
processing system reflects the new payment amount due and shows the loan as current.  It takes 30-45 days for the credit bureaus to
update, therefore Mr. [redacted] November payment amount due may not be reflected
as of yet.  Nor will any payments made
yet be reflected. 
Mr. [redacted] is asking that we remove the three months of
missed payment off of his credit report. 
This is against credit union policy. 
We are very clear in the consequences of requesting a loan modification
and verbally communicated this with Mr. [redacted].  While we are pleased we were able to come to
an agreeable payment arrangement with Mr. [redacted], his inability to make full
monthly payments in full as agreed to in the original loan documents qualifies
as missed payments in the eyes of the credit bureau.

Upon Mr. [redacted] request, we pulled the recordings of the calls he had with our Member Service Specialist and discovered that the proper disclosures were not verbally given to Mr. [redacted].  He was not properly informed that the payment arrangement would not satisfy the payment obligation of his original loan and that those three payments would report as late even though an agreement was in place.  We apologize for failing to give Mr. [redacted] the correct information.  We will remove the three late payments that are reporting due to the payment arrangement.  There were, however, previous late payments that will not be changed.  These are the payments that were late prior to the work-out arrangement.  Please give us five business days to work with the credit bureaus to make the change.  Once we’ve submitted all the proper documentation, we will be given a case number, which we will provide to Mr. [redacted] so he can confirm the changes with the credit bureaus.  Mr. [redacted]’s contact at Seasons Federal Credit Union on this matter will be Kristen [redacted] our Member Solutions Manager.  Kristen will be in touch with Mr. [redacted] after January 4, 2016.  Again, we apologize for the miscommunication and inconvenience that it has caused.

Review: Last year we filed a complaint against this bank for closing our bank account without a warning or permission. Things were rectified and the account was reopened so we moved forward.

Now we are facing ones again problems that are aggravating and causing unnessessary aggravation. We sent out a check to our mortgage lender for the amount of $657.

I was under the impression that we still had our overdraft protection so wasn't worried that we were a couple of dollars short. When I checked my account on Monday September 15th and noticed that an overdraft fee was taken out of my account in the amount of $32. I called the bank that afternoon and asked why the check wasn't paid but was looking at a fee. I was told that all banks do that, the question why the overdraft protection was removed without any notice was ignored but they were willing to reinstate the overdraft protection since my account has been in good standing this year. I was told that the check was returned and that there was nothing they could further do to assist me. On Wednesday September 18th, I checked my account and to my surprise I noticed that the check had been paid. I was told that the check was returned! so then I checked my account this morning and they hit me with another overdraft fee totalling the amount to $64. If my overdraft protection hadn't been removed in the first place I would not have to pay a second fee. I called the bank today around 1:30 pm and asked for the first fee to be removed but instead I was told to speak with Ms. [redacted] or [redacted] . [redacted] than decided to be sarcastic and asked I never wanted to pay a fee again. she than said:" I will be happy to return the check and remove the fees of all your overdraft purchases to you" I didn't have an overdraft protection in the first place. I always had enough funds in my account to cover all my transaction so I was clearly very insulted and by her statement. I am angry and frustrated by the way this bank has treated us since we have been with them.Desired Settlement: I want them to refund me the $32 because it not fare to have to pay two fees.

Business

Response:

The fee of $32 will be reversed on 10/2. The reversal is happening due to the miscommunication on behalf of our staff to Ms. [redacted] regarding the placement of overdraft protection.

Review: I went on their website on 10/17/13 at 4:30pm to look for personal loan ratesAn application was mistakenly submitted- when I realized this is called when I got home at 8:20pm on 10/17/2013 (which is notated on my account which I confirmed)I spoke to the afterhours dept to J[redacted] and explained to her what happenedI said I didn't want to submit the app I was just shopping around for rates- and I have an application in with another bank. So I want my application withdrawnShe then stated that she would put in a ticket for the underwriters that they will see this before the start to process it when they come in Monday morning[redacted] also stated that it was just sitting there and no one had looked at it yet and wouldn't until Monday and that it would NOT be processedI didn't hear anything so I thought everything was fineThen I got a call on Tuesday 10/22/2013 from [redacted] in the Meriden office stated" I'm sorry but we are unable to approve your personal loan application"I said wait that application was supposed to be withdrawnHe said without a care in his voice" oh well it wasn't"So being that he called me at work and his shown lack of concern for the issue- I hung up and called the loan dept right awayThen I talked to [redacted] in Middletown location who was even more RUDE and less caring than [redacted] (after I had to be routed to her through the call center) since there is no direct line for this credit union to any one or location)I explained to her what happened and asked that it be removed since now it is negatively impacting my credit score- she said they couldn't do anything about it and showed even more concernThen I called [redacted] the vice president and left him 2 messages with urgency statedNever got a call backthe worst part is they are prejudice lenders- I was never given a application number a reason for decline or asked to provide further informationMy credit is a 745 I was approved by [redacted] for the same amountDesired Settlement: application and denial removed from my credit report notating it was their error for proceeding to process after withdrawn request was made and noted

Business

Response:

Seasons Federal Credit Union is in receipt of the complaint

and is conducting an investigation into the allegations. We will provide a formal response upon

completion of a review of the following:

-

All tickets generated by our Call Center

regarding this member’s interaction

-

Recordings of the phone calls with this member

-

Timeline of events

-

Online loan application to determine the

possibility of “mistakenly” submitting an application

-

Statements from SFCU employees involved

Thank you,

Robyn Swanson

SVP

Seasons Federal Credit Union

Review: The bank cashed a bad cashiers check and now expects me to pay it back. I got scammed and didnt spend a dime of that money. They cashed a counterfeit cashiers check. How is that my fault. I did not spend the money, there for shouldn't be responsible for they're lack of security.Desired Settlement: I should not be responsible for there error

Business

Response:

[redacted] came to the credit union on 1/30/2015 and presented a check in the amount of $2,370 for deposit. (Her complaint had the amount as $3,370 with a date of 12/12/14.) Per our membership agreement given to members at the time of account opening and as referenced in our posted Regulation CC disclosure (required to be visibly posted in branch by the National Credit Union Administration), a reasonable hold was placed on the funds. In addition, the check was ran through [redacted] which alerts us to potential fraud. A hold was also recommended by [redacted], but it didn't give us an "altered or fictitious" alert. If it had, the check would not have been deposited or cashed. It would have been returned to [redacted].

Review: Upon attempting to deposit a sum of $1,170 into the bank's ATM located on the [redacted] at approximately 310pm on August 16th 2014,the terminal rebooted,no deposit was made and no acknowledgement of error on the terminal's behalf.I immediately contact the bank's customer service who obviously were unable to resolved the issue at that moment.Desired Settlement: I would most certainly like my funds be made available on Monday 18th August.And I courteously request that in the event of a late fee being applied to my mortgage payment financed by [redacted], that Season's Federal Credit Union accept responsibility for the issue, and in doing so credit my account any late fees and contact [redacted] and explain the matter so that my current standing not be affected.No late fees were posted on mortgage on 8/16/14

Business

Response:

Review: in august 2015 I called the credit union to ask for a payment reduction and the agreed to allow me to pay 300.00 down form 385.77 I was to pay three months {august thru october I did that on time ,but in october I found that the credit union reported me late for august and october but I payed as we agreed I have a letter from the credit union stating these facts please if you'all cannot help show me the direction this is hurting me and I mentioned that I lost a mortgage pl help.Desired Settlement: my credit reports be cleared of missed payment mark I never missed and never late

Business

Response:

In the original loan documents signed by Mr. [redacted] on 1/31/2014,

he agreed to make a monthly payment of $385.77 to repay the funds lent to

him. Mr. [redacted] requested a payment

reduction in August of 2015. Per the

policy of Seasons Federal Credit Union, a member seeking a loan modification of

this nature must prove ability to pay the newly agreed upon payment for three

consecutive months before new loan documents are signed and the new payment

amount officially goes into effect.

During this time, the original payment due amount is reported to the

credit bureaus. Therefore any payment

less than the amount stated in the loan documents would show on a credit report

as a late payment. While Mr. [redacted] had an agreement to pay less for three

months, he was informed by our Member Solutions Department of the

ramifications. These ramifications are

that the member will continue to receive delinquency/intent to repossess

letters in the form of certified and regular mail until the loan was formally

modified; and making reduced payments may negatively impact their credit.

As Mr. [redacted] shared in his complaint, Seasons Federal

Credit Union did provide him with a letter explaining that per an agreement

with Seasons there were three partial payments made during the three months in

question. The purpose of this letter is

for Mr. [redacted] to provide it to whomever is pulling his credit report and

questioning the late payment.

On 10/15/2015, Mr. [redacted] signed the loan modification

documents that included the new agreed upon payment of $300 a month. The Seasons Federal Credit Union core

processing system reflects the new payment amount due and shows the loan as current. It takes 30-45 days for the credit bureaus to

update, therefore Mr. [redacted] November payment amount due may not be reflected

as of yet. Nor will any payments made

yet be reflected.

Mr. [redacted] is asking that we remove the three months of

missed payment off of his credit report.

This is against credit union policy.

We are very clear in the consequences of requesting a loan modification

and verbally communicated this with Mr. [redacted]. While we are pleased we were able to come to

an agreeable payment arrangement with Mr. [redacted], his inability to make full

monthly payments in full as agreed to in the original loan documents qualifies

as missed payments in the eyes of the credit bureau.

Consumer

Response:

Review: [redacted]

I am rejecting this response because:the team member who is named maggie never said to me that your credit score or anything about negative impact in any form please request the phone records because all conversations took place on phone originally they say all calls are taped she never ask them for tapes

Sincerely,

Business

Response:

Upon Mr. [redacted] request, we pulled the recordings of the calls he had with our Member Service Specialist and discovered that the proper disclosures were not verbally given to Mr. [redacted]. He was not properly informed that the payment arrangement would not satisfy the payment obligation of his original loan and that those three payments would report as late even though an agreement was in place. We apologize for failing to give Mr. [redacted] the correct information. We will remove the three late payments that are reporting due to the payment arrangement. There were, however, previous late payments that will not be changed. These are the payments that were late prior to the work-out arrangement. Please give us five business days to work with the credit bureaus to make the change. Once we’ve submitted all the proper documentation, we will be given a case number, which we will provide to Mr. [redacted] so he can confirm the changes with the credit bureaus. Mr. [redacted]’s contact at Seasons Federal Credit Union on this matter will be Kristen [redacted] our Member Solutions Manager. Kristen will be in touch with Mr. [redacted] after January 4, 2016. Again, we apologize for the miscommunication and inconvenience that it has caused.

Review: Last fall I noticed my checking account was being charged $2.00 a month. I inquired and they said it was a new fee for a monthly statement. They waived the fees and closed my checking account but couldn't close my savings account because "I had to come to the credit union and close it". At the time I had the minimum amount of $5.00 in the account to keep it open. I haven't closed the account yet as it was opened back in the eighties as my mother was a teacher in the [redacted] school system and she got me into it back then. You had to be a teacher or an immediate family member to belong then. She passed away in 1991 and I've just kind of kept it open for sentimental reasons. I just received a statement charging me $5.00 as a "LOW BALANCE FEE". My new share balance is $0.00. This is pure robbery and an insult to all teachers past and present and their families!Desired Settlement: Seasons needs to grow a conscience and stop stealing from their members. It used to be a nice family place but now it's just a den of corruption. Reinstate my account and quit bullying your customers. Check my records I've had loans with you and paid every back cent on time, with interest. You have made your money off of me already!

Business

Response: