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]

Revdex.comTo:  Andrea Archer RE: Complaint # [redacted] Security Service Federal Credit Union appreciates theopportunity to address the complaint for our member, Ms. [redacted].  Upon receiving this complaint,...

SecurityService Federal Credit Union initiated a thorough review of Ms. [redacted]’s loan # ** and the payment that she made by telephone.    Our research indicated Ms. [redacted] made her payment via our automatedsystem which posted to her loan#** on January 12, 2015 in the amount of$183.74. The payment transaction generated a confirmation email at the time ofthe transaction which was referenced in Ms. [redacted]’s complaint.  Unfortunately, the payment was subsequently, returnedinsufficient funds on January 16th and the transaction was reversed offof the account.   On January 23rd a notice was sentto Ms. [redacted] advising the past due status on the account, seeattached.  On January 25th asecond transaction was made via our automated system which posted to the loanon January 26th. Due to the payment not being received within the 10day grace period the account was assessed a late fee of $15.00. In review ofthe overall payment history, see attached, we have reversed the late fee andreturn check fee as a courtesy to Ms. [redacted]. Security Service Federal Credit Union seeks to consistentlydeliver excellent service by attempting to notify them of their account statusas soon as possible and we sincerely apologize if Ms. [redacted] felt wedid not achieve this goal.   We thank you for providing us this opportunity to research and respond to thecomplaint.  [redacted]Operations Manager of Asset Recovery, welcomes the opportunity to discuss anyfurther questions with our member.   Ms.[redacted] can be reached at 210-[redacted] or via email at [redacted]@ssfcu.orgSincerely, [redacted]Security Service Federal CreditUnion210-[redacted]

Yes, Ms. [redacted], if there is additional information you could provide that would be helpful as we are unable to identify the specific transaction you are referencing.   Please redact any personal information you do not wish to share. Thank you, Security Service FCU

September 26, 2016   [redacted] Muleshoe, Texas 79347   RE:   Revdex.com Complaint received on September 20, 2016 Dear Ms. [redacted],    Security Service Federal Credit Union received your Revdex.com Complaint September 20, 2016 regarding the Collateral Protection...

Insurance issue and the hold on your vehicle title. We have completed an investigation of the situation and are happy to provide the following information. Our records indicate that there were four (4) Collateral Protection Insurance policies placed on your loan. These were due to a change in your insurance provider that was not communicated to our vendor until August 26th, 2016. Once the clarification of the change was provided, our vendor was able to get in contact with SAFECO and verify coverage for the periods in question. All policies have been refunded and back-dated as of 9/13/2016. The account now reflects Paid In Full and the title was sent on September 21, 2016.  Thank you for allowing us the opportunity to address this matter. Please be assured that Security Service Federal Credit Union makes every attempt to resolve any issues our members may have. Please contact [redacted] at [redacted] if you have any further questions. [redacted]Assistant Vice PresidentSecurity Service Federal Credit Union

February 2, 2016 Revdex.com Corporate Office ATTN:  [redacted] 1005 La Posada Drive Austin, TX  78752     RE:      Complaint ID:  [redacted]                Inquiry Date: ...

10/16/2015 Dear Ms. [redacted], SSFCU received Mr. [redacted]’s request dated 11/18/2015.  We responded to his inquiry by letter on December 3, 2015.  Please see the attachment. On January 29, 2016, we contacted Mr. [redacted] by phone and explained that his signature on the credit application provides permissible purpose, under the Fair Credit Reporting Act, to investigate his credit files. Please let me know if I can be of further assistance. Regards,[redacted]

Mr. [redacted] has been contacted by a member of Security Service's Asset Recovery team and this situation is now closed.  Thank you for bringing this matter to our attention.SSFCU Management

February 8, 2016     Revdex.com Complaint Name:  [redacted]     Revdex.com Complaint ID#:  [redacted] Dear Mr. [redacted] – In response to the Revdex.com complaint you resubmitted requesting documentation to demonstrate that SSFCU had authorization to obtain your credit bureau information, we have attached a copy of the credit application you completed at Charles Maund Toyota which provided your authorization. As noted in our initial response, the application was submitted to SSFCU by Charles Maund for consideration of a loan for purchase of an automobile.  As part of this process, SSFCU pulled credit bureau reports for review, which reflects as a credit inquiry on your credit bureau report.  The credit inquiry was related to a potential credit transaction involving a loan for an automobile, which is a permissible purpose under the Fair Credit Reporting Act.  Additionally, as noted above, authorization was provided by you on the application received from the dealer (reference page 2, General Disclosure and Agreements).  We trust this explanation and documentation provided resolves your concern.  Thank you, [redacted], Sr. V.P. Central Region Indirect Lending Tell us why here...

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]

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 responded to the complainant and she is happy with the resolution.  We will consider this matter closed.  Thank you,  SSFCU

February 17, 2015 Revdex.com Corporate Office RE:    Member– [redacted] (fna [redacted] Austin) - Loan XXXXXX1020            Complaint # [redacted] Dear Ms. [redacted] and the BetterBusiness Bureau:   Security Service Federal CreditUnion (Credit Union) again appreciates the opportunity to review and address theconcerns referenced above.   We sincerely hope and believe the explanationbelow will help clarify the known facts to the benefit of all involved.   The supplied information, accountstatus, and previous correspondence has been reviewed in detail.   A basic outline of the facts, dates andletter generation is outlined below: ·        2005Lincoln was repossessed on 4/24/12 for account delinquency.·        “NOTICEOF OUR PLAN TO SELL PROPERTY” letter generated and mailed to member on4/24/12.  Letter stated in part, ifpayment in full is not received, private sale of vehicle will take place sometimeafter 5/05/12.  Documentation attached.·         Vehicle sold on 5/18/12 – Letter outliningsale with applicable account status after the sale mailed to member on 5/24/12.  Documentation attached. As to the reference to thecertified letter and applicable UCC or Texas Debt Collection Practices Actrules, the Credit Union has no additional affirmative obligation to comply withthe stated demand.  All requiredcorrespondences had been mailed as previously outlined. In light of the informationpresented and supplied, trade line will not be deleted from the threeapplicable credit reporting agencies. We do regret anyinconvenience.  If you need furtherassistance, please feel free to contact [redacted]at (210) [redacted].  Sincerely,  [redacted]Vice President [redacted]Security Service Federal CreditUnion

Revdex.com:
Thank you Revdex.com! Without your help this would have never been resolved. While the SSFCU did finaly send the required paperwork to GAP, I'm afraid our personal credit reports are still effected by SSFCU and our credit score has dropped over 100 points due to this issues with the SSFCU and they are doing nothing to resolve that matter. The loan has been  paid by GAP so we can discontinue our relationship with SSFU.I have reviewed the response made by the business in reference to complaint ID [redacted], and I do not find this is a satisfactory resolution, but it is a resolution and this case can be closed with the Revdex.com Thank you for your help in this matter.
Regards,
[redacted] And [redacted]

Mr.[redacted],  RegardingComplaint #[redacted]  Security Service Federal CreditUnion (Credit Union) appreciates the opportunity to review and address yourconcerns. We sincerely hope and believe the explanation below and the attacheddocuments will help clarify the known facts to...

the benefit of all involved.  Your comments reference a requestfor notice regarding the resale of you repossessed vehicle. Security ServiceFederal Credit Union has no record of a prior request, either written orverbal, on or around the timeframe of November 26, 2014 requesting the noticessent regarding the sale of the collateral and the deficiency balance.  The notice of sale was originallysent out on May 24th, 2012 after the sale of the collateral (VIN:[redacted]) on May 18th, 2012.   Wehave enclosed a copy of the original sold letter for record.  Please note the letter was sent to the sameaddress provided in the complaint.  Afterfurther research, there is not a reason to delete this trade line from themember’s credit bureau. We do regret any inconvenienceand would be more than happy to assist you further. Please feel free to contact[redacted], Manager Asset Disposition at (210) [redacted] or myself.   Sincerely, [redacted] Vice President Asset Recovery Security Service Federal CreditUnion210-[redacted]

SSFCU has contacted this individual and addressed the situation.-SSFCU

July 29, 2016   [redacted] 5820 Barnes Road Colorado Springs, CO 80922     Dear Ms. [redacted], Thank you for contacting Security Service Federal Credit Union regarding your concern about forced placed insurance and the manner in which an account was reported to the credit bureau. ...

Unfortunately, we cannot find you listed as a borrower or co-borrower on any loan in our system of record. Security Service Federal Credit protects its members’ personal and financial data, therefore we are unable to release any information. We will need some more identifying information like a Social Security Number, Account Number or automobile VIN to cross-reference. Should you wish to provide this information in a secure environment, you can contact the SSFCU Collateral Protection Insurance team at [redacted]. Please be assured that Security Service Federal Credit Union makes every attempt to resolve any issues our members may have. [redacted], Manager, Asset Recovery may be contacted via email at [redacted] if you have any further questions.   Respectfully, [redacted] Assistant Vice President Security Service Federal Credit Union Tell us why here...

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 is in contact with complainant. -SSFCU

Dear Ms. [redacted], In order to research this issue, we would need to identify our customer's account.  Could you please provide us with name and address, or enough information for us to identify, of your 'cleaning lady'?  Thank you, Security Service Federal Credit Union

Complaint: [redacted]
I am rejecting this response because:Good morning,I apologize for the delay in my response to the complaint.  My father in law passed away in the process and the emails were in my junk folder....

 The complaint is not resolved by any means.  SSFCU has contacted us.  However, they have not offered any reasonable resolve.  My father in law is now deceased and due to the response time from them we were not able to accomplish long term care Medicaid so he could have had more services and died at home as he wished to do.  Instead he died in hospice at a facility.  We had asked for SSFCU to assist with end of life care since they failed to provide us the information for him to qualify.  We are now requesting that they forgive all debt from my father in law and for the vehicle to become an asset.  We are further requesting that SSFCU be investigated as to their business practices.[redacted]PFS[redacted] office[redacted] fax[redacted] DirectConfidentiality Statement: The information contained in this email is confidential information belonging to Integrated Practice Resources. Which is protected by the physician-patient privilege.  State law prohibits further disclosure of this information without the specific written consent of the person to whom it pertains or as otherwise permitted by law.  If you are not the intended recipient, you are hereby notified that any disclosure, copying distribution or taking of any action in reliance on the contents of this information is strictly prohibited. If you have received this email in error, please call [redacted], or reply and tell us the error. Thank You!
Regards,
[redacted]

12/22/14 Security Service Federal Credit Union (Credit Union) takes pridein properly reviewing and responding to all member concerns andcomplaints.  They are taken very seriously and, in that light, a review ofthe facts regarding the referenced complaint was initiated and...

completed. In summary, Mr. [redacted] filed a Chapter 7 Bankruptcy on March 27,2013 and included a relatively small negative balance charge off of $672.37 inthat filing which was discharged.  The Credit Union is unable to providefuture loans to members that have caused an loss which was explained to Mr.[redacted] upon receiving his application.  Mr. [redacted] was at the dealership andhad been advised he has the option of choosing another financial institution. To our understanding, Mr. [redacted] chose to voluntarily repay the loss andto also move forward with the loan consideration. Thank you as always for your time and assistance.     [redacted]Security Swervice Federal Credit Union