Initial Business Response / [redacted] (1000, 6, 2014/04/30) */ Contact Name and Title: [redacted] Risk Mgmt Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @sfpcu.org The Credit Union staff have reviewed this member's account history in full detail, and determined that the current balance owed is accurateThere are a considerable number of unpaid late fees, which increase the amount due to pay off the loan, as well as, a remaining amount of force placed insurance premiumThe effect of which extended his "final" payment dateMember has not provided the credit union with any documentation that contradicts the information obtained directly from his own insurance company that he did not have coverage during the disputed period of 08/06/- 09/25/13, a full refund cannot be processed without that documentation Based on the findings above, the credit union will not be providing the resolution requested by the memberTo obtain title to his vehicle the member must do one of the following: Contact the credit union for a payoff amount and pay the loan off in full, as requestedOr, provide documentation that the information received from his insurance company was in err and that he had coverage in place 8/6/- 9/25/13, if received and confirmed, the credit union will process a refund for the appropriate amount, however, there will still be a remaining balance consisting of principle, interest and late charges due As a courtesy the credit union has provided the member copies of all of his statements during the life of the loan free of chargeThe statements and an analysis of his loan history have been mailed directly to the member on April 30, Consumer Response / [redacted] (-5, 11, 2014/05/21) */ I spoke with Mr [redacted] of the SFPCU by phone on 05/05/after receiving his April 30, letter requesting payment for $I paid the SFPCU this amount which cleared my bank account on 05/13/I have still not received by car title Consumer Response / [redacted] (-5, 12, 2014/05/21) */ Please reopen the case until my car title has been received Consumer Response / [redacted] (3000, 14, 2014/05/22) */ Today, April 28, 2014, I faxed the San Francisco Police Credit Union pages from the car insurance company, Ameriprise, aka IDS Property Casualty Insurance Company, demonstrating that I at no time was without car insuranceThe policy was amended, but never lapsed(I had attached a one-page document with this original complaint.) Furthermore, I would like to add that my car loan with the San Francisco Police Credit Union (SFPC)was discharged on 08/23/in the US Bankruptcy Court, case # XX-XXXXX, and the loan was never reaffirmed thereafterConsequently, I have no contractual obligation with the SFPCNevertheless, I have paid my car loan in full and request the title and refund for the amount of money I have overpaid Business Response / [redacted] (4000, 16, 2014/06/02) */ The credit union believes this issue to be closedWe provided Mr [redacted] with the documentation that he requestedWe had received his insurance information and applied the appropriate refundHe has since paid off his vehicle in full, and are in the process of releasing his titleHe should receive it within the next two weeks, if not sooner Consumer Response / [redacted] (2000, 18, 2014/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 6, 2014/04/30) */
Contact Name and Title: [redacted] Risk Mgmt
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@sfpcu.org
The Credit Union staff have reviewed this member's account history in full detail, and determined that the current balance...
owed is accurate. There are a considerable number of unpaid late fees, which increase the amount due to pay off the loan, as well as, a remaining amount of force placed insurance premium. The effect of which extended his "final" payment date. Member has not provided the credit union with any documentation that contradicts the information obtained directly from his own insurance company that he did not have coverage during the disputed period of 08/06/13 - 09/25/13, a full refund cannot be processed without that documentation.
Based on the findings above, the credit union will not be providing the resolution requested by the member. To obtain title to his vehicle the member must do one of the following: Contact the credit union for a payoff amount and pay the loan off in full, as requested. Or, provide documentation that the information received from his insurance company was in err and that he had coverage in place 8/6/13 - 9/25/13, if received and confirmed, the credit union will process a refund for the appropriate amount, however, there will still be a remaining balance consisting of principle, interest and late charges due.
As a courtesy the credit union has provided the member copies of all of his statements during the life of the loan free of charge. The statements and an analysis of his loan history have been mailed directly to the member on April 30, 2014.
Consumer Response /* (-5, 11, 2014/05/21) */
I spoke with Mr. [redacted] of the SFPCU by phone on 05/05/2014 after receiving his April 30, 2014 letter requesting payment for $114.62. I paid the SFPCU this amount which cleared my bank account on 05/13/2014. I have still not received by car title.
Consumer Response /* (-5, 12, 2014/05/21) */
Please reopen the case until my car title has been received.
Consumer Response /* (3000, 14, 2014/05/22) */
Today, April 28, 2014, I faxed the San Francisco Police Credit Union 12 pages from the car insurance company, Ameriprise, aka IDS Property Casualty Insurance Company, demonstrating that I at no time was without car insurance. The policy was amended, but never lapsed. (I had attached a one-page document with this original complaint.)
Furthermore, I would like to add that my car loan with the San Francisco Police Credit Union (SFPC)was discharged on 08/23/2013 in the US Bankruptcy Court, case # XX-XXXXX, and the loan was never reaffirmed thereafter. Consequently, I have no contractual obligation with the SFPC. Nevertheless, I have paid my car loan in full and request the title and refund for the amount of money I have overpaid.
Business Response /* (4000, 16, 2014/06/02) */
The credit union believes this issue to be closed. We provided Mr. [redacted] with the documentation that he requested. We had received his insurance information and applied the appropriate refund. He has since paid off his vehicle in full, and are in the process of releasing his title. He should receive it within the next two weeks, if not sooner.
Consumer Response /* (2000, 18, 2014/06/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response / [redacted] (1000, 6, 2014/04/30) */ Contact Name and Title: [redacted] Risk Mgmt Contact Phone: XXX-XXX-XXXX Contact Email: [redacted] @sfpcu.org The Credit Union staff have reviewed this member's account history in full detail, and determined that the current balance owed is accurateThere are a considerable number of unpaid late fees, which increase the amount due to pay off the loan, as well as, a remaining amount of force placed insurance premiumThe effect of which extended his "final" payment dateMember has not provided the credit union with any documentation that contradicts the information obtained directly from his own insurance company that he did not have coverage during the disputed period of 08/06/- 09/25/13, a full refund cannot be processed without that documentation Based on the findings above, the credit union will not be providing the resolution requested by the memberTo obtain title to his vehicle the member must do one of the following: Contact the credit union for a payoff amount and pay the loan off in full, as requestedOr, provide documentation that the information received from his insurance company was in err and that he had coverage in place 8/6/- 9/25/13, if received and confirmed, the credit union will process a refund for the appropriate amount, however, there will still be a remaining balance consisting of principle, interest and late charges due As a courtesy the credit union has provided the member copies of all of his statements during the life of the loan free of chargeThe statements and an analysis of his loan history have been mailed directly to the member on April 30, Consumer Response / [redacted] (-5, 11, 2014/05/21) */ I spoke with Mr [redacted] of the SFPCU by phone on 05/05/after receiving his April 30, letter requesting payment for $I paid the SFPCU this amount which cleared my bank account on 05/13/I have still not received by car title Consumer Response / [redacted] (-5, 12, 2014/05/21) */ Please reopen the case until my car title has been received Consumer Response / [redacted] (3000, 14, 2014/05/22) */ Today, April 28, 2014, I faxed the San Francisco Police Credit Union pages from the car insurance company, Ameriprise, aka IDS Property Casualty Insurance Company, demonstrating that I at no time was without car insuranceThe policy was amended, but never lapsed(I had attached a one-page document with this original complaint.) Furthermore, I would like to add that my car loan with the San Francisco Police Credit Union (SFPC)was discharged on 08/23/in the US Bankruptcy Court, case # XX-XXXXX, and the loan was never reaffirmed thereafterConsequently, I have no contractual obligation with the SFPCNevertheless, I have paid my car loan in full and request the title and refund for the amount of money I have overpaid Business Response / [redacted] (4000, 16, 2014/06/02) */ The credit union believes this issue to be closedWe provided Mr [redacted] with the documentation that he requestedWe had received his insurance information and applied the appropriate refundHe has since paid off his vehicle in full, and are in the process of releasing his titleHe should receive it within the next two weeks, if not sooner Consumer Response / [redacted] (2000, 18, 2014/06/04) */ (The consumer indicated he/she ACCEPTED the response from the business.)
Initial Business Response /* (1000, 6, 2014/04/30) */
Contact Name and Title: [redacted] Risk Mgmt
Contact Phone: XXX-XXX-XXXX
Contact Email: [redacted]@sfpcu.org
The Credit Union staff have reviewed this member's account history in full detail, and determined that the current balance...
owed is accurate. There are a considerable number of unpaid late fees, which increase the amount due to pay off the loan, as well as, a remaining amount of force placed insurance premium. The effect of which extended his "final" payment date. Member has not provided the credit union with any documentation that contradicts the information obtained directly from his own insurance company that he did not have coverage during the disputed period of 08/06/13 - 09/25/13, a full refund cannot be processed without that documentation.
Based on the findings above, the credit union will not be providing the resolution requested by the member. To obtain title to his vehicle the member must do one of the following: Contact the credit union for a payoff amount and pay the loan off in full, as requested. Or, provide documentation that the information received from his insurance company was in err and that he had coverage in place 8/6/13 - 9/25/13, if received and confirmed, the credit union will process a refund for the appropriate amount, however, there will still be a remaining balance consisting of principle, interest and late charges due.
As a courtesy the credit union has provided the member copies of all of his statements during the life of the loan free of charge. The statements and an analysis of his loan history have been mailed directly to the member on April 30, 2014.
Consumer Response /* (-5, 11, 2014/05/21) */
I spoke with Mr. [redacted] of the SFPCU by phone on 05/05/2014 after receiving his April 30, 2014 letter requesting payment for $114.62. I paid the SFPCU this amount which cleared my bank account on 05/13/2014. I have still not received by car title.
Consumer Response /* (-5, 12, 2014/05/21) */
Please reopen the case until my car title has been received.
Consumer Response /* (3000, 14, 2014/05/22) */
Today, April 28, 2014, I faxed the San Francisco Police Credit Union 12 pages from the car insurance company, Ameriprise, aka IDS Property Casualty Insurance Company, demonstrating that I at no time was without car insurance. The policy was amended, but never lapsed. (I had attached a one-page document with this original complaint.)
Furthermore, I would like to add that my car loan with the San Francisco Police Credit Union (SFPC)was discharged on 08/23/2013 in the US Bankruptcy Court, case # XX-XXXXX, and the loan was never reaffirmed thereafter. Consequently, I have no contractual obligation with the SFPC. Nevertheless, I have paid my car loan in full and request the title and refund for the amount of money I have overpaid.
Business Response /* (4000, 16, 2014/06/02) */
The credit union believes this issue to be closed. We provided Mr. [redacted] with the documentation that he requested. We had received his insurance information and applied the appropriate refund. He has since paid off his vehicle in full, and are in the process of releasing his title. He should receive it within the next two weeks, if not sooner.
Consumer Response /* (2000, 18, 2014/06/04) */
(The consumer indicated he/she ACCEPTED the response from the business.)