Stay To Play

Dear Mr***: Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter dated June 29, 2015, you expressed concern regarding debit transactions posting before depositsAll deposits are subject to delayed availability, including mobile depositsThe following appears onscreen when you make the mobile deposit: Passed Image Messaging: Your check has been received and is PENDING APPROVALIt may take up to BUSINESS DAY to reflect in your accountPlease retain the check for days or until the deposit appears on your monthly statementDepositors also receive an email notifying them we accept checks PENDING approval and those deposrts may not be available for immediate withdrawalThe following applies to our mobile deposits: • Checks received after 9am on business days are processed after 3pm• Checks received after 3pm are processed after 9am the following business day• VACU does not process checks on weekends or holidaysTo ensure drafts/debits process without issue, funds should be available prior to initiating a purchase to avoid overdraft feesIn addition, funds need to be available one day prior to posting for any transactions that are recurringWe regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed aboveSincerely, [redacted] *** Vice President Client Member Services

Please accept this letter in response to an inquiry you made to the Revdex.com(Revdex.com)In your letter you expressed concern regarding a tax refund check you deposited to youraccount.On March 15, 2016, you deposited a check for $into your VACU savings account viaATMWe reviewed the deposit and removed it from your account the same dayThe adjustmentwas made because you are the only authorized signer on the savings account and the checkwas made payable to [redacted] On March 16, 2016, you spoke with representatives in our Member Services and ATMdepartmentsThe representatives advised you of the reason for the return and the options forresolving the issueThe calls disconnected before a resolution could be reachedThe ATMDepartment supervisor left a message the same day but was not able to speak with youOnMarch 22, 2016, we retrieved the check from the ATM and mailed it to your address listed in ourrecords.Instruments deposited into a checking or savings account must be negotiated/ endorsedproperlyIf an item is made payable with "&" or "and," all parties must either be authorizedsigners on the account or all parties must endorse the item in person with a Branch TellerAllparties must present an unexpired state or federal issued identification when negotiating/endorsing the check in person Following these steps could significantly reduce the impact onthe availability of funds.It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highestlevel of service possiblePlease accept our apologies if at any time you felt the credit union didnot make every effort to assist you as you expectedIf we can be of further assistance pleasecontact us at the numbers listed above

Revdex.com: I have reviewed the offer and/or 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 belowOnce again Virginia Credit Union makes up answers to explain their behaviorI contacted the proper person to not only wanitng to retain the [redacted] but also pay for the remaining Line of Credit, and other private loanI accepted to make payments until all of this was resolved I was going to do thatGabby told me to apply for a loan , which I did and got a response in OctoberI made the September payment and was waiting on a rep,y for the loan officeI said to Gabby I didnt make the October payment because I was wanting for an answer because why make a payment if they were possible giving me a loan to take overIn Response to the not calling or making payments on time I answered everytime Gabby called, except one near ChristmasI was out of town on businessI made payments withing a day period on the due date of the 28thI asked Gabby for payment coupons or a way to pay it online because it took longer by mailShe said noThey kept harassing me for the payments of July and August, which is the two months after my father diedThe first lady deferred them and told me make apayment each month and they wont ever take the carGabby said the same thingAll they are at Virginia Credit Union, are money grubbing liars, who promise something and take it backThey will lie and trick you to give them moneyI mean no bank I dealt with concerning my dads debt ever asked me for those months because it takes that long or longer to get the courts to allow accessThey are not sorry about my liss because who asks for the payments right after someone diesI was going to honor my Dads obligations thereBut I will not pay one cent to them, they can write them offIf they werent so eager to cease a dead mans car with only months not paid and me paying every month since, I would of paid til all obligations were fulfilled Ut what they get at the auction if all they will getRather a stupid way to do business.They need to repay the payments backOr I will have to go to the media and show the world how greedy you areI will begin telling the businesses I know who have accounts there my story and alot beleive in Integrity of their bank Regards, [redacted]

Dear [redacted] ,Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter received November 24, 2015, you expressed concern regarding the automatic transfer program on your loan and overdraft fees.On June 20, 2015, you processed a manual payment through online banking.On November 6, 2015, and no November 20, 2015, the automatic transfer program pulled payments to bring the loan currentUnfortunately the automatic transfer program does not recognize manual payments and therefore continues to run until it satisfied each monthly payment transfer.On November 23, 2015, you contacted us about the extra loan payment that we deductedWe agreed to reverse one of the payments and waived the $ feeWe also agreed to waive one of the $overdraft fees that was caused when your transfer program pulled payments to bring itself current.I understand [redacted] from our Resolution department tried contacting you to let you know she agreed to waived an additional $overdraft fee on your account.It is Virginia Credit Union’s pledge to exceed our members’ expectations and delivered the highest level of service possibleThank you for providing us feedback regarding your experienceWe take all our member’s suggestions seriously and will continue to look for ways to improveWe regret this experienced was not as you expected and we hope our explanation has given you a better understanding of the events that occurredIf we can be of further assistance please call us at the numbers listed above.Sincerely, [redacted] ***

Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me The business has performed the action as promised and this complaint is resolved Regards, [redacted]

Dear Mr [redacted] Thank you for contacting the Better Business Bureau (Revdex.com) and Virginia Credit Union (VACU)In your letter dated May 12, 2016, you expressed concern regarding an overdraft fee on your accountWe have reviewed your account and are providing the following information: );;- On May 7, 2016, you made ATM deposits totaling $of which $was on hold until May 10, at 9am>:- On May 8, 2016, you authorized debit card transactions in the amount of $~ On May 9, 2016, your Verizon payment via ACH (automated clearing house) presented for $188."MAt that time your account balance was $with an available balance of $which was not enough to clear the Verizon paymentThis was due to the ATM and debit card holds totaling $You received the $overdraft fee on your account because funds were not available for the Verizon paymentWe charge an overdraft fee for each item that presents to your account when there are not sufficient funds available to pay the item(s)In order to avoid a fee for an ACH item, you must have available funds in your account before the charge posts to your accountOn May 18, 2016, I understand Crystal in our Resolution Department spoke with you regarding this matter and was able to explain why you incurred the feeAs a courtesy, she refunded the $overdraft feeWe regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed above

[A default letter is provided here which indicates your acceptance of the business's offer If you wish, you may update it before sending it.] Revdex.com: I have reviewed the offer made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: [redacted] Regards, [redacted]

Dear Ms [redacted] : Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com)In your letter you expressed concern regarding a fee on your loanSandy in our Resolution Department has tried reaching you by phone regarding this matter, but was not able to reach youWe have reviewed your account and are providing the following information: )> On April , 2015, we posted your loan payment incorrectly causing a fee to assess to your account)> On June 19, 2015, you brought the error to our attention and we corrected It on June 22, and waived the late charge that caused the errorPlease accept our sincerest apologies for not being able to explain the fee when you initially contacted us and that no one called you to inform you we had made the correction to your loanIt is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleThank you again for taking time to make sure we are providing you with the service you deserve as a memberAgain, please accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expectedIf we can be of further assistance please contact us at the numbers listed above [redacted] Executive Vice President Member Services

Revdex.com: I have reviewed the offer and/or 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 [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] My wife and I are still grieving, from the lost of her grandmotherDespite that, we have reapplied as suggested (their remedy to the initial complaint) by the financial institution, and to this day, my wife and I have been given all kinds of excuses as to why we haven't been approvedMsFelicia H [redacted] tells us things, and doesn't follow through with what she saysShe told my wife and I that she would contact us the following day in reference to the appraisalNever contacted us, my wife had to contact her supervisor in order to get her to respond to the numerous messages left

Please accept this letter In response to an Inquiry you made to the Revdex.com (Revdex.com)In your letter you expressed concern regarding overdraft fees charged to your accountWe tried reaching you but were unsuccessfulAfter further research, we have concluded the following: On June 6, 2017, check number presented for $At that time your available balance was $***On June 8, 2017, check number presented for $**At that lime your available balance was $-***Ultimately, you did not have enough funds to clear the amounts of the checks; however, we processed courtesy re-posts, paid the items, and charged an overdraft fee of $ [redacted] for each checkOn June 15, 2017, your ACCC payment via ACH (automated clearing house) presented for $***; however, during that time your available balance was $ [redacted] , which caused another overdraft fee for $** On June 16, 2017, your Aiding Students payment via ACH presented for $ [redacted] ; however, your available balance was $- [redacted] , which resulted In another overdraft fee for $**On July 14, 2017, as a courtesy, we refunded overdraft fees totaling $***From the dates listed above to present, your checking account was charged a total of $ [redacted] in overdraft feesMoreover, you were charged a total of $ [redacted] in continuous overdraft feesSubsequently, when you do not have funds available to pay your items, Virginia Credit Union honors transactions at our discretionHowever, upon your request we can enable \he feature that allows all of your payments to be returned unpaid if funds are not availablePlease bear in mind lhat you will continue to be charged an overdraft fee if you do not have enough funds in your account to cover paymentsUltimately, your request for us to refund any additional overdraft fees has been deniedVirginia Credit Union makes every effort to work with our membership on how to avoid overdraft feesWe recommend setting up your savings account or applying for a Personal Line of Credit for overdraft protectionThis will ensure prevention of overdraft fees in the futureBelow are some proven strategies to also help prevent overdrafts to your checking accountReview your available balance to confirm that you have sufficient funds in your account for further spendingPending items appear on your Online Banking under the checking account summary tab at the top of the page and are reflected in your available balanceIn addition, our mobile deposiy guidelines are available online for your convenience, It is also important that you do not write checks or authorize ACH (automated clearing house) items until you have verified that there are sufficient funds in the account You may wish to consider setting up a balance alert in your online banking to notify you immediately when your accounts fall below a certain amountThis will allow you to make the necessary adjustments to your account and avoid these fees In the futureIt is critical that you continually monitor your accounts and maintain an accurate check registerWe regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed aboveSincerely,Tim K***

Virginia Credit Union [redacted] ** [redacted] Please accept this letter in response to an inquiry you made to the Revdex.comIn your letter you expressed concern regarding the credit reporting of your auto loan After further research, we are providing the following information:Your inquiry concerning the reporting of the auto loan # on your credit report has been researchedOur records indicate that the account is reporting correctly as having been paid two times days lateAs a one time courtesy we have removed the negative reporting for January and March Prior to this adjustment, we notified the credit reporting agencies in June to update the information.If there is an individual reporting agency that is not reporting this information correctly, please submit a dispute directly with themOnce we received the dispute from the reporting agency, we will update any incorrect informationThe response time for the Credit Reporting Agencies to update your file approximately daysThank you for contacting Virginia Credit UnionIt is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possiblePlease accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expectedIf you have additional questions, please contact us at the numbers listed above.Sincerely ,Executive VPMember Service

Revdex.com: I have reviewed the offer and/or 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 That is a lieThe representative was very rude and tried to be funny and waive the lowest fee which was or Additionally it was not at the bottom of any statement that this applies to overdraft protection and still untrue considering the branch representative did additional transfers to close out the accountHow is it my overdraft protection didn't move money but a branch representative could? I assume you all violate the law considering the fact you all are stating I was already at my limit Regards, [redacted]

Dear Ms. [redacted] : Please accept this letter in response to an inquiry you made to the RevDex.com (BBB) dated July 19, 2016_ In your letter you expressed concern regarding automatic payments drafting to your auto loan. After further research, we have concluded the following... : The due date for your auto loan is the 2au 1 of each month. Your automatic payment is setup from an external account to draft on 25m of each month. We see that you make payments through online banking. The automatic payment program does not recognize these payments. Regular and Principal payments made manually or online can be done at any time; however, it will not automatically advance the due date or stop the existing automatic payment. I understand you talked with Jean in our Resolution Department and she explained how the automatic transfer program works. As a courtesy, she reversed the payment of $321 .94. waived the $50 processing fee and placed the funds in your checking account. Your next payment is now due on August 28, 2016. We apologize for any inconvenience this may have caused. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. We regret that this experience was not as you expected. Thank you for taking the time to contact us with your feedback. Please feel free to call on us if we can be of further assistance.

Dear Ms [redacted] : Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com)In your letter you expressed concern regarding an appraisal completed for your home as a part of your mortgage refinance processWe apologize that this appraisal did not meet your expectationsI understand that you spoke with your loan officer, Tim Lamont, regarding the completed appraisal and expressed some concerns and inaccuracies contained on the reportWe spoke with the appraiser and addressed these concernsThey made changes to the appraisal and mailed an updated one to your home addressWe hope the updated appraisal addresses your concerns and inaccuracies originally stated in your complaintPlease continue to think of your Credit Union first for all of your financial needsWe look forward to helping you and your family to meet and exceed your financial goalsIt is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possibleIf we can be of further assistance please contact us at the numbers listed aboveTim K*** Vice President Member Services

Dear Ms [redacted] : Thank you for contacting the Revdex.com (Revdex.com) and Virginia Credit Union (VACU)In your letter dated July 21, 2016, you expressed concern regarding overdraft fees on your account and because your savings accounts.which serves as overdraft protection did not transfer funds to cover your purchasesUnfortunately, there are transaction limitations on Savings accounts referred to as Regulation D as outlined in our Account Agreements under the Truth in Savings section which states transactions are limited to no more than six withdrawals or transfers, or combination thereof, per calendar morith to another credit union account of yours or to a third party by means of a preauthorized, automatic transfer or telephone or electronic order, such as for overdraft protection, or by online banking or QuiklineOnce these limitations are reached, we may refuse or reverse additional transfers of these typesWe also place reminders on your monthly statements informing you for each savings account, certain types of transfers and withdrawals are limited to a total of per monthLimited items include transfers for checking overdrafts and transfers made onlineOn July , 2016, I understand Jean in our Resolution Department spoke with you regarding this matter and was able to explain the transaction limitations and why you incurred the feesAs a courtesy, she refunded one $overdraft feeWe regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurredWe are sorry to hear that you have closed your accountsIt is Virginia Credit Union's pledge to provide the highest level of serviceIf you have additional questions, please contact us at the numbers listed above

Dear Ms [redacted] :Please accept this latter in response to an inquiry you made to the Revdex.com (Revdex.com)In your letter you expressed concern regarding your mortgage application processAfter further research we have concluded the following: [redacted] On October 4, 2016, our Mortgage Department received your application for a refinance on a mortgage loan, for the property at [redacted] Subsequently, during this process, a title search was performed, and our Mortgage Department discovered that the deed did not meet the appropriate requirementsThe property was conveyed in your name, under your authority as Attorney in Fact for the previous owner[redacted] Ultimately, this is not a valid conveyance and we are not able to insure a deed of trust, until the owner has en acceptable and clear title to the propertyIn order for us to perfect our lien against the collateral property, a new deed to the owner is required; however, this causes more legal fees in addition to the refinance closing costs[redacted] During the final stages of the application process, it was determined we could not move forward with the mortgage loan because of your debt-to-income ratio.I understand you spoke with Felicia H [redacted] in our Mortgage Department and she was able to suggest another alternativeShe recommended adding your husband to the application, which is now in processingI am pleased to hear that you have a scheduled appointment with Felicia on November 21, at :am.We hope this has explained the order of events that have occurredIt is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possiblePlease accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expectedIf we can be of further assistance please contact us at the numbers listed above

[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID ***, and find that this resolution would be satisfactory to meI will wait for the business to perform this action and, if it does, will consider this complaint resolvedIf the company does not perform as promised I can get back to you at: ***
Regards,
*** ***

Dear Mr***: Please accept this letler in response to an inquiry you made to the Revdex.com (Revdex.comIn your letter you expressed concern regarding $in overdraft fees assessed to your accountAfter further research, we have concluded the following: - On August
28, 2016, you authorized purchases from *** *** for $.18, *** *** *** for $and *** for $15.95. - On August 29, 2018, you authorized purchases for $from ** ***, $from ***and $from *** *** ***, while the transactions listed above were pending lo clearThis reduced your available balance lo $. - On August 30, 2016, the overdraft fees occurred when your authorized purchase from *** *** cleared for $instead of $In addition, you authorized a purchase to *** for $9.47, against an insufficient balance resulting in overdraft fees for each item presented. - On September 6, 2016, you spoke with Ashley in our Resolution Department and she waived $in overdraft fees. - On September 19, 2016, and after further review, we waived an additional $in overdraft fees as a courtesy, which totals $credited back to your account. - On October 22, 2013, our records indicate you chose to ofor Regulation E, which means that you want us to pay items that you have authorized even if you do not have the funds available, and that you are willing to pay the fees associaled with this serviceYou may opt-out of this service by contacting us at the numbers listed above. Below are some proven strategies to help prevent overdrafts to your checking account. -Review your available balance to confirm that you have sufficient funds in your accountPending items appear on your Online Banking under the checking account summary lab at the top of the page and are reflected in your available balance; however you will still need to monitor the account to ensure your transactions have actually cleared. -It is also important that you do not write checks or authorize ACH (automated clearing house) items until you have verified that there are sufficient funds in the account. -You may wish lo consider setting up a balance alert in your online banking to notify you immediately when your accounts fall below a certain amountThis will allow you to make the necessary adjustments to your account and avoid these fees in the future. We regret that your experience was not as you expected and sincerely hope we have provided a satisfactory explanation to youIf you have additional questions please conlact us at the numbers listed above

Thank you for contacting
the Revdex.com (888) and Virginia Credit Union (VACU)In your letter, you expressed concern regarding overdraft
fees on your accountWe have reviewed your account and are providing the following information:~ On August 20, 2016, you made ATM
deposits
totaling $of which $was on hold until August 23, at 9am.~ On August 22, 2016, check# *** (written on
August 18, for $120.00) cleared your accountYour available balance was $before
the check was presentedYou received the $overdraft fee on your account because there
were not enough funds to clear the checkWe paid the check as a courtesy~ On September 19, 2016, you made mobile deposits
totaling $of which $was on hold until September 20, at 9am.>-- On September 20, 2016, your *** Debit
Card payment via ACH (automated clearing house) presented for $before your deposit hold was
releasedYou received the $overdraft fee on your account because there were not enough
funds available for the ACH item to clear*** *** *** We charge an overdraft fee for each item that
presents to your account when there are not sufficient funds available to pay the item(s)In order to
avoid a fee for items clearing your account, i.edebit card purchases, checks and/or ACH, you must nave
available funds in your account before the charge posts to your account.I understand you spoke with *** in our
Resolution Department today and he explained why the fees were assessed to your accountAs a courtesy, he
waived *** of the overdraft fees totaling ***, Please note before you make a deposit at a VACU ATM there
is a disclaimer that states funds may not be available for immediate withdrawal You must select
yes to continue with the depositThe confirmation email that you receive after making a mobile
deposit also has a disclaimer funds from deposits may not be available for immediate withdrawal. We regret that your experience was not as you
expected and sincerely hope this has helped to explain the events that occurredIt is Virginia Credit Union’s
pledge to provide the highest level of serviceIf you have additional questions, please contact us at
the numbers listed above

Please see attached