Security Service Federal Credit Union

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

From: [redacted] [mailto:[redacted]@yahoo.com] Sent: Wednesday, June 10, 2015 10:42 AM To: [redacted] Subject: Revdex.com Complaint # [redacted]   Regarding complaint # [redacted]; I received the email below from the SSFCU representative. I am satisfied at this time that appropriate action has been taken...

by the business and I would like to close the complaint.   If the business doesn't follow through, I will let you know.   Thank you,   [redacted]

Complaint: [redacted]
I am rejecting this response because:I am providing requested information. [redacted]i have a picture of what you sent her that I could provide but it has my personal information on it.
Regards,
[redacted]

SSFCU has attempted to contact the complainant, and has also left direct contact information allowing complainant to contact the appropriate individual directly.

Complaint: [redacted]
I am rejecting this response because: Of what I have already previously stated, I am guessing you did not receive that?  Otherwise your response makes no sense.  Please read my initial response.  I had insurance on a 2010 sequoia in place on Sept 3rd.
Regards,
[redacted]

Dear Ms. [redacted],We sincerely apologize for any inconvenience and thank you for notifying us about the calls placed to you. We have searched our database and were unable to locate the number provided, [redacted]. We also do not operate on Sundays. However, itis very important to us that we...

get this matter and address any concerns. We would like the opportunity to discuss this further to ensure a resolution.  Therefore our Manager [redacted] will be is available to personally assist you and can be reached directly at [redacted].   Sincerely, [redacted]Security Service Federal Credit Union[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]This message is an update to Complaint #[redacted] which I filed against Security Service Federal...

Credit Union on Monday of this week. I cannot figure out how to close this complaint through your website. After a telephone conversation with two senior vice presidents at the Credit Union, this complain has been resolved to my satisfaction. They apologized for the events that took place over the weekend, and they agreed to issue a new debit card that will not be de-activated until its expiration date.  Please close complaint #[redacted], and thank you for your assistance. [redacted]

Good morning, Ms. [redacted],   SSFCU has contacted [redacted] via telephone and the situation has been resolved.    Please let me know if you have any further questions.   Thank you,   [redacted] Compliance Project Manager

Complaint: [redacted]
I am rejecting this response because it does not explain why my check was returned.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:
While the business has contacted me,  there is no resolve.   They still expect we assume the debt and have offered nothing in terms of our hassles
Regards,
[redacted]

[redacted] has contacted this individual and the complaint has been resolved. -[redacted]

A Security Service Federal Credit Union Officer completed this transaction on August 12th and spoke to the Member in person.  Sincerely, [redacted]

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

SSFCU has researched the situation and attempted to contact the complainant.  SSFCU has not received a response. -SSFCU

Complaint: [redacted]
I am rejecting this response because:I spoke to Ms. [redacted] on 1/29/2016. Ms. [redacted] folowed up with an email stating "The application we received was electronic.  You can contact Eo Sparks at Charles Maund Toyota to get a copy of the application you submitted through them".SSFCU has been unable to provide me with documentation, verifying any documents SSFCU relied on when performing an assessing me credit file.
Regards,
[redacted]

May 28, 2015RE: [redacted] # [redacted]Dear Ms. [redacted] and the Revdex.com,Thank you for continuing to pursue this matter and for your willingness to communicate with us about the circumstances regarding your automobile loan with Security Service Federal Credit Union.We are...

truly sorry for your loss and realize that this must be a very trying time for you.This is also to confirm that our Manager [redacted] has been in contact with you to advise we are more than willing to make an exception and grant you another extension for the May 29th payment.  Wewill process the extension today and your next payment will be due on June 29th.Thank you for your patience regarding this matter and we hope that this satisfies your complaint.If you have any additional questions, please contact Mr. [redacted] directly at 210-[redacted] or via email at [redacted]@ssfcu.org. Again, thank you for communicating the concerns of our member and providing me the opportunity to respond. Sincerely,[redacted]Security Service Federal Credit Union

Mr. [redacted],       Security Service Federal Credit Union appreciates the opportunity to resolve this complaint for our member. Upon receiving this complaint, Security Service Federal Credit Union initiated a thorough review of Mr. [redacted] loan #** on a 2015 Toyota...

Sequoia purchased September 3, 2015 for $55,001.53. The original term was for 60 months with monthly payments of $993.20.      Security Service Federal Credit Union’s loan agreement requires members to maintain satisfactory property insurance to protect the credit union’s collateral from damage. This requirement is stated in the Retail Installment Contract signed by Mr.[redacted] as well as on the Addendum for additional terms, as described in section 2 titled Insurance Deductible it states the member will maintain physical damage insurance with Comprehensive and Collision coverage with a maximum deductible of $500.00.      Our records indicate that the credit union was forced to purchase single interest insurance from our insurance carrier SWBC on the 2015 Toyota Sequoia on November 28, 2015 as we were never provided with adequate proof of insurance and the credit union was not listed as the lienholder of record. Notices requiring proof of insurance were mailed on October 9, 2015, November 6, 2015 and November 20, 2015. SWBC, the insurance provider, left a voicemail message for the member on November 3, 2015 in a continued effort to communicate with Mr. [redacted].      Mr. [redacted] contacted SWBC on January 6, 2016. SWBC advised our member to provide his insurance declarations page for the policy period from September 3, 2015 through the current date as well as verify with his insurance provider, Progressive, that the lien holder information was correct. Mr. [redacted] provided his insurance declarations page with the lienholder information to SWBC on January 11, 2016. Further research found that Mr. [redacted] did not add his 2015 Toyota Sequoia to his policy until October 5, 2015. SWBC held a conference call with Mr. [redacted] and his Progressive agent on February 23, 2016. The Progressive agent confirmed that Mr. [redacted] did not have coverage on September 3, 2015 and that the unit was not added until October 5, 2015. This time period was over 30 days, not the two day stated by the member.      SWBC reviewed Mr. [redacted]’ request for refund on February 23, 2016 for the remaining amount of $735.00 and determined no further refund was due as the vehicle was not added until October 5, 2015 and thus the member is still responsible for the period of time from September 3, 2015 to October 5, 2015.       SSFCU and its insurance partner SWBC have worked to fully inform Mr. [redacted] of what was needed for an additional refund and were unable to secure that from him. Because there was a break in coverage, we are unable to provide a full refund of the policy, however a partial refund has already been processed.      Thank you for providing us the opportunity to present the facts regarding this account. SSFCU makes every attempt to resolve any issues our members may have. [redacted], Asset Recovery Supervisor, welcomes the opportunity to discuss any further questions with our member. Ms. [redacted] may be reached at [redacted] or via email at [redacted]@ssfcu.org Sincerely, [redacted] Assistant Vice President Security Service Federal Credit Union

SSFCU has contacted this individual and addressed the situation.

[redacted]
[redacted]
[redacted] January 12th, 2016 RE: Complaint # [redacted]   Security Service Federal Credit Union appreciates the opportunity to address this issue for our member. Upon receiving this complaint, Security Service Federal...

Credit Union initiated a thorough review of Mr. [redacted]’s loan #[redacted] on the Prime Line of credit account opened on December 31, 1988. Security Service Federal Credit Union’s loan agreement requires members to proactively make their payments. Upon review of Mr. [redacted]’s account information we found that on each occasion the payments were past due. When a payment is past due the credit union has the option to offset the funds. This was completed for each late payment. We cannot offset funds without the account being past due. Our member acknowledged that he did not make his payments upon the actual due date and instead waited for this credit union to offset the funds. SSFCU is required to factually report the payment history of our members’ accounts, therefore we cannot reverse the late payment reports as requested. To avoid these problems for our members, Security Service Federal Credit Union offers an option for automatic payment. We would be more than happy to set this up on this account if we are contacted directly and this is requested. Again, thank you for providing us this opportunity to resolve this matter. Please be assured that Security Service makes every attempt to resolve any issues our members may have. Scott Loftin, Manager, Asset Recovery can be reached via email at [redacted]@ssfcu.org if you have any further questions. Sincerely, [redacted] Assistant Vice President Security Service Federal Credit Union Tell us why here...

Ms. [redacted],   SSFCU has reached out to [redacted] multiple times, including leaving a message for Mr. [redacted], but to date, we have not heard back.    In terms of a resolution, Mr. [redacted]’s requests have been processed and I do not anticipate there being any outstanding...

issues.    Please consider this closed.    Please do not hesitate to contact me should you have any questions.    [redacted]