Stay To Play

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 process. We apologize that this appraisal...

did not meet your expectations. I understand that you spoke with your loan officer, Tim Lamont, regarding the completed appraisal and expressed some concerns and inaccuracies contained on the report. We spoke with the appraiser and addressed these concerns. They made changes to the appraisal and mailed an updated one to your home address. We hope the updated appraisal addresses your concerns and inaccuracies originally stated in your complaint. Please continue to think of your Credit Union first for all of your financial needs. We look forward to helping you and your family to meet and exceed your financial goals. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. If we can be of further assistance please contact us at the numbers listed above. Tim K[redacted] Vice President Member Services

Dear Mr. [redacted]: 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 deposits. All deposits are subject to delayed availability, including...

mobile deposits. The following appears onscreen when you make the mobile deposit: Passed Image Messaging: Your check has been received and is PENDING APPROVAL. It may take up to 1 BUSINESS DAY to reflect in your account. Please retain the check for 30 days or until the deposit appears on your monthly statement. Depositors also receive an email notifying them we accept checks PENDING approval and those deposrts may not be available for immediate withdrawal. The 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 holidays. To ensure drafts/debits process without issue, funds should be available prior to initiating a purchase to avoid overdraft fees. In addition, funds need to be available one day prior to posting for any transactions that are recurring. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurred. It is Virginia Credit Union's pledge to provide the highest level of service. If you have additional questions, please contact us at the numbers listed above. Sincerely,[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 our verification process and your fraud claim. After further
research, we have concluded the following: * On October 23, 2016 through November 2, 2016,...

several
transactions were authorized and paid on your debit card. You advised that the
following amounts were not authorized purchases; $25.22, $26.43, $10.99 55.49.
$15.00. $5.38, 511.94 and $5.40. * On Thursday, November 17, 2016, your wife called posing as
you to obtain the status of your account and confirm that you did not make the
transactions listed above. At that time we advised that you needed to visit one
of our branch locations to verify your identity. This is a security measure to
ensure that your account is protected. We cannot divulge any information to a
non-account holder due to the privacy policy outlined in your membership rules
and regulations.* On November 17, 2016, you visited one of our branch
locations to confirm your identity and you also spoke with Ferren in our Fraud
Risk Management Department.* During the conversation with Ferren, you stated that you
had your wife cell on your behalf to obtain account information regarding the
fraud claim. You also communicated that your cousin had access to your debit
card to make purchases; however, this did not Include those transactions listed
above Ferren indicated she would start the process for your fraud claim. * On November 23, 2016, you spoke with Nicole, in our Member
Service Operations and Support Department and she explained our verification process
and stated that your fraud claim was approved. However, you must submit a
signed Acknowledgement of Debt Card Fraud claim form before we can process the
refunds to your account. She offered you the option to fax the document to
process your claim quickly. Subsequently, you indicated that you did not have a
fax but would visit our Downtown branch by Monday, November 28, 2016 to complete
the fraud claim form. * On November 28, 2016, you visited the branch lo complete
the required document and we have issued a provisional credit in the amount of
[redacted] It is essential that you complete and sign an
additional form, Claim of Fraud and Forgery, in order to finalize your claim
and retain permanent credit for the disputed amounts. Please allow 7-10 days to
receive the document. Upon completion, please promptly return the form to us.
We hope this explains the order of events that occurred. It is Virginia Credit
Union's goal to provide the highest level or service Please accept our
apologies if at any time you felt the credit union did not assist you as you
expected. If you have additional questions, please contact 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 below.You tried to reach me by way of a Unknown (blocked) number and left me a voicemail 4:18 on Wednesday. I called you back once I realized you left me a voicemail on Thursday evening after 5 pm. No answer. I then I called you again on early Friday around 1:00 pm, No answer yet again and I left a voicemail. I never received a call back. I am confused as to how you think your letter has resolved the issue when you don't have the full background. I left most of it out on purpose so that I would have to talk to someone. I have been with this bank for a very long time and I find it very interesting you can even talk to me to resolve the issue. Especially since you have been losing customer on a weekly bases for this exact reason with more to come. You creating new fees to charge people that no one has ever heard of not even past employees as well as not having a standard policy of how you do do busy and process transact is shady busy. You are telling customers that is up to the person reviewing the account as to whether the bank wants to process a transaction early or not to be able to charge a person a fee is ridiculous. I was told before belonging to a credit union that you were the better banks to belong to that you were for the customer and now you have become worse than any typical banks. I have a had an account with [redacted] now with no issues and they wouldn't even process the transactions you processed or charge the fees you charges.  I even had your own employees tell me they refuse to bank with VACU because of how you process transaction and how there is no privacy for an employee. As for your recommendation: You will not give me a line of credit because of my credit. Which I have been work on fixing. But you keep hurting me from continuing to do it. Heck even though I had a loan with VACU with my first car and paid it off and still couldn't get a loan after I payed it off. Even when I had average credit you still wouldn't give me a loan or a line of credit. I tried. You should check this before suggesting it.My insufficient funds were from you processing transaction that NO other bank would have processed. I am with [redacted] now and guess what [redacted] decided to take out too and take out too much money and the additional transactions where was declined there was no fee overdraft fees to my account. Yet a credit union wants to take your money. VACU will charge a fee for a pending charge even when you have a pending deposit. even though the pending deposit goes through before the pending charge.  Yet NO other bank does this. Again normal banks give you till the end of the day to put money in your account so you don't get charged a fee. Also find it interesting that you didn't go over all of the transaction especially since the 2 you pointed out were automatic charges where both companies say if I don't have the funds in my account the day they try to process transaction they will try again in a few days or even a week later before charging me a fee.  Because they are helping me get my credit back on track. Yet you just put them threw. But no one else does.  The ACH transaction you are talking about for the $[redacted] would have been refunded but you denied the charge and charged me a fee. Had you put it though like you normally have done every other month, you would have seen this and there wouldn't have been a fee. I also find it very interesting that a bank is allow to process a declined check twice. As far as I knew if a check was declined once you could not process it again a week later. Yet VACU has just done that to me so that they could charge me more Fees. I would have deposited money into my account but after talking to a manager at the bank and being told that they do busy in the gray area and that nothing is done Black and White. Not to mention being advised by another employer at the bank that I should leave VACU because they have become money driven and I should go to [redacted] or [redacted] At this point VACU is acting just like they do when I go into speak to them and they have drag this out because they are just going to put this on my credit like they threaten me when I came in and spoke to the manager. They have continually have threatened and strong armed me into paying fees that should not have been charged in the first place. And now you don't have the decency to even speak to me over the phone about the situations which I already knew would be who you would play this out.This needs to stop [redacted] put a law in effect because of banks taking advantage of customers just like you are doing now. I am sure if credit unions start being audited today the government would find plenty of situation where the credit union handled things incorrectly and it would show just how much they are overcharging their customers in fees. I am soooo over this.  I am tired of being pushed around.  I am just trying to make a living and to get myself back on track. It is sad when the only company bring you down is the bank where you keep your money.
Regards,
[redacted]

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 behavior1. I contacted the proper person to not only wanitng to retain the [redacted] but also pay for the remaining Line of Credit, and other private loan. I accepted to make payments until all of this was resolved . I was going to do that.2. Gabby told me to apply for a loan , which I did and got a response in October. I made the September payment and was waiting on a rep,y for the loan office. I 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 over.3. In Response to the not calling or making payments on time.  I answered everytime Gabby called, except one near Christmas. I was out of town on business. I made payments withing a 5 day period on the due date of the 28th. I asked Gabby for payment coupons or a way to pay it online because it took longer by mail. She said no4. They kept harassing me for the payments of July and August, which is the two months after my father died. The first lady deferred them and told me make apayment each month and they wont ever take the car. Gabby said the same thingAll they are at Virginia Credit Union, are money grubbing liars, who promise something and take it back. They will lie and trick you to give them money. I 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 access. They are not sorry about my liss because who asks for the payments right after someone dies. I was going to honor my Dads obligations there. But I will not pay one cent to them, they can write them off. If they werent so eager to cease a dead mans car with only 2 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 get. Rather a stupid way to do business.They need to repay the payments back. Or I will have to go to the media and show the world how greedy you are. I will begin telling the businesses I know who have accounts there my story and alot beleive in Integrity of their bank. 
Regards,
[redacted]

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 lie. The representative was very rude and tried to be funny and waive the lowest fee which was 20 or 25. Additionally it was not at the bottom of any statement that this applies to overdraft protection and still untrue considering the branch representative did 2 additional transfers to close out the account. How 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 Mr. [redacted] Thank you for contacting the RevDex.com (Revdex.com) and Virginia Credit Union (VACU). In your letter dated May 12,
2016, you expressed concern regarding an overdraft fee on your account. We have
reviewed your account and are providing the following information: );;- On...

May
7, 2016, you made ATM deposits totaling $511 .75 of which $311 .75 was on hold
until May 10, 2016 at 9am. >:- On May 8, 2016, you authorized debit card transactions
in the amount of $166.73. ~ On May 9, 2016, your Verizon payment via ACH
(automated clearing house) presented for $188."M. At that time your
account balance was $636.94 with an available balance of $158.46 which was not
enough to clear the Verizon payment. This was due to the ATM and debit card
holds totaling $478.48. You received the $35 overdraft fee on your account
because funds were not available for the Verizon payment. 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 an
ACH item, you must have available funds in your account before the charge posts
to your account. On 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 fee. As a courtesy, she refunded the $35 overdraft fee. We regret
that your experience was not as you expected and sincerely hope this has helped
to explain the events that occurred. It is Virginia Credit Union's pledge to
provide the highest level of service. If you have additional questions, please
contact us at the numbers listed above.

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 $402.53 into your VACU savings account viaATM. We reviewed the...

deposit and removed it from your account the same day. The 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 ATMdepartments. The representatives advised you of the reason for the return and the options forresolving the issue. The calls disconnected before a resolution could be reached. The ATMDepartment supervisor left a message the same day but was not able to speak with you. OnMarch 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/ endorsedproperly. If 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 Teller. Allparties 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 possible. Please accept our apologies if at any time you felt the credit union didnot make every effort to assist you as you expected. If we can be of further assistance pleasecontact us at the numbers listed above.

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]

[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 me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
Regards,
[redacted]

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.]~ On [redacted], your Paypal payment vie ACH (automated clearing house) presented for [redacted]. At that
lime your available balance was [redacted] which was not enough to clear the Paypel peyment; however, we
processed a courtesy re-post and paid the item.
)  --->> Incorrect:: When the [redacted] Payment presented, I had [redacted] in my account (per screenshots) attached. Even if the [redacted] from the [redacted] check was still on hold (despite your online account history showing available of [redacted]), this would have left me with [redacted] in my account BEFORE the [redacted] posted or [redacted] AFTER it posted. There were sufficient funds to cover the charge. · On [redacted], your deposits from LulaRoe for [redacted] and the mobile deposit for [redacted] posted to your
account after the Paypal payment was presented to your account. In addition, the first [redacted] was made
available from your mobile deposit, leaving [redacted] on hold. You received the [redacted] overdraft fee on your
account because funds were not available.
); All of these transactions occurred on the [redacted] per your online account history, there were no overdraft of funds on this date (again, reference your online account history per the screenshots attached). The [redacted] Transfer was initiated on Thursday (the 15th), the [redacted] Mobile Deposit occurred on the [redacted] (a Saturday), , the [redacted] PayPal Payment was initiated on the [redacted]. Appears to me that you are intentionally processing deposits/credits/debits in the order that suits you for overdraft fee purposes. However, in this case, it still doesn't work in your favor as my account was never negative. - On the morning of [redacted], a Paypal payment presented for [redacted]; however, during that time, the
mobile deposit of [redacted] was still on hold, which caused another overdraft fee for [redacted].
); Again, you're incorrect. Even if the [redacted] was still on hold (despite your online account history showing that it was), The [redacted] (remaining from account on the 19th assuming [redacted] was not posted (despite your account history showing otherwise))= $389.38 which is more than enough to cover a $300 payment posted to the account. > On June 22, 2017, another Paypal transaction for $492 presented to your account against an available
balance of [redacted], which was not enough to clear the Paypal payment. We charged an overdraft fee of
$35 to your account and returned the item. I pulled all of my money out of my accounts on 04/22, leaving enough money to cover the [redacted] payment minus the fees that you erroneously charged to my account. The additional [redacted] that you charged was a result of that. For the 6th time, I am requesting that every penny of the fees you have charged be refunded and my accounts be CLOSED.  Regards,
[redacted]

Dear Mr. [redacted] Thank you for contacting Virginia Credit Union. Please accept this letter in response lo your email dated February 1, 2017 and your inquiry dated February 6, 2017 lo the Revdex.com (Revdex.com). In your letters, you expressed concern regarding the repossession...

of your deceased fathers' vehicle. Please accept our condolences on the loss of your father. We have reviewed the account with our Collections Department and ere providing the following information: , In July 2016, we were notified that your father, [redacted] passed away. Subsequently, he has loans with us, including an auto loan for a [redacted]. ~ In September 2016, you contacted us lo advise that you wanted to retain the vehicle. In addition, on September 13, 2016, you made a payment of $[redacted]. ). On October 14, 2016, you spoke with Gabby, our Collections representative end you staled your intentions of keeping the car. During that conversation, she recommended that you refinance the vehicle in your name, and after the loan was paid in full, you would receive the title. She also explained that you are not liable to make payments; however. in order to retain the car, regularly scheduled payment, are required. · > Since then, we continued trying to reach you by phone to obtain the status of your intentions because the auto loan was approaching two months past due. };- On November 8, 2016, you again spoke with Gabby and Indicated that you did not make payments because you ware trying to acquire a loan to refinance, but It was denied. Ne11:I, you set up a payment arrangement to make the past due payments by November 28, 2016. We received only one payment on November 16, 2010 for $[redacted]. ). From that time, we made several attempts to resolve this matter lo avoid next steps In collection efforts. Ultimately, we received a payment on December 9, 2016 for $[redacted]. > Our Collections Department mailed a certified letter to you on January 6, 2017, in which you confirmed receipt, Informing you of the severity regarding the delinquent loan. On January 11, 2017, we received another payment of $[redacted]; however, lts was not enough to cover the arrearage. )> On February 1. 2017, the vehicle was repossessed. You contacted us Immediately thereafter and spoke with Maxine, our Collections Manager, and inquired how you could retrieve the car. She explained tl,at the vehicle would not be returned, due to the past due payments, and because your name is not listed on the ;title es an owner. );. On February 8, 2017, you spoke with Nicole, our Member Relations Specialist, and she also explained in detail why the car would not be returned. To add, she indicated you could redeem the vehicle by purchasing it at the auction. Our Collections Department attempted to work with you concerning this debt. Unfortunately, you did not remain consistent in contacting us and/or making regularly scheduled payments regarding your fathers' vehicle. We are sorry for your loss end regret that you and your family ere going through a difficult time. Please accept our apology if at any time you felt the credit union did not make every effort to assist you as you elected. We appreciate you sharing your concern& with us. If you have any questions, please contact our Collections Department for assistance. Executive Vice President Member Services

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 current. Unfortunately 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 deducted. We agreed to reverse one of the payments and waived the $50
fee. We also agreed to waive one of the $35 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 $35 overdraft
fee on your account.It is Virginia Credit Union’s pledge to exceed our members’ expectations
and delivered the highest level of service possible. Thank you for providing us
feedback regarding your experience. We take all our member’s suggestions
seriously and will continue to look for ways to improve. We regret this experienced was not as you expected and we
hope our explanation has given you a better understanding of the events that
occurred. If we can be of further assistance please call us at the numbers
listed above.Sincerely,[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 overdraft fees charged to your account. We tried reaching you but were unsuccessful. After further research, we have concluded the following: On June...

6, 2017, check number 4401 presented for $30. At that time your available balance was $[redacted]. On June 8, 2017, check number 106 presented for $**. At that lime your available balance was $-[redacted]. 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 $** for each check. On June 15, 2017, your ACCC payment via ACH (automated clearing house) presented for $[redacted]; 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 $[redacted]. From the dates listed above to present, your checking account was charged a total of $[redacted] in overdraft fees. Moreover, you were charged a total of $** in continuous overdraft fees. Subsequently, when you do not have funds available to pay your items, Virginia Credit Union honors transactions at our discretion. However, upon your request we can enable \he feature that allows all of your payments to be returned unpaid if funds are not available. Please 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 payments. Ultimately, your request for us to refund any additional overdraft fees has been denied. Virginia Credit Union makes every effort to work with our membership on how to avoid overdraft fees. We recommend setting up your savings account or applying for a Personal Line of Credit for overdraft protection. This will ensure prevention of overdraft fees in the future. Below are some proven strategies to also help prevent overdrafts to your checking account. Review your available balance to confirm that you have sufficient funds in your account for further spending. Pending items appear on your Online Banking under the checking account summary tab at the top of the page and are reflected in your available balance. In 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 amount. This will allow you to make the necessary adjustments to your account and avoid these fees In the future. It is critical that you continually monitor your accounts and maintain an accurate check register. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurred. It is Virginia Credit Union's pledge to provide the highest level of service. If you have additional questions, please contact us at the numbers listed above. Sincerely,Tim K[redacted]

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 process. After further research we have concluded the following:* 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 requirements. The property was conveyed in your name, under your authority as Attorney in Fact for the previous owner.* 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 property. In 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.* 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 alternative. She recommended adding your husband to the application, which is now in processing. I am pleased to hear that you have a scheduled appointment with Felicia on November 21, 2016 at 11 :00 am.We hope this has explained the order of events that have occurred. It is Virginia Credit Union's pledge to exceed our members' expectations and deliver the highest level of service possible. Please accept our apologies if at any time you felt the credit union did not make every effort to assist you as you expected. If we can be of further assistance please contact 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 below.Virginia Credit Union appraiser came in at 5:35, stayed for
about 15 minutes. During that time he just walked in the first floor, did not
observe anything, did not even notice any of the cabinets  we added in the utility room. Never took a
note. When he walked  up to the second
floor he did not measure the rooms. This is obvious in his report that does not
include all the appliances and he considers as generic all the upgrades.
My home is compared to homes that have not direct access to
the main highways as my home has. Also, the location is not comparable as well.
 The comparison is done by using old
statistics none of them are recent.  During
the last 3 months  April to mid June,  in the exact  opposite side of [redacted], homes
were sold with same footage,  hardwood
floors  with  lots of . 25 of an  for an average of $290,000 - $300,000. The
appraiser did not even take one of them under consideration.  Virginia Credit Union’s agent used as a comparison
a home located in about 6 miles (direct distance) north of my home in a rural
area. In order to access it one needs to drive 8-10 miles from my home,
depending the route one drives. I am including a picture of the home that is
not comparable. The front of this house does not even have a second floor and ½
of the porch of my home. The private road leads to the unlit gravel main road.
The only road that is paved is a narrow rural road. The closest  schools are 8 miles from the house. The
closest supermarket about 9 miles away and 10.4 miles to access to I-95 (15-18
min drive).
My home at Atlee is not comparable to the rural area in
Hanover. My plot of 2 acres is semirural with immediate access to [redacted]
and  possibility to built on the lot. The
access to markets and major highways is not comparable. My house is .9 miles
from the best schools in Hanover County and 2 miles from either I-95, 295, 2
minutes to [redacted].
Comp No1. It is colonial, but has carpet all over the place
with .46 acre and $137 per foot
Comp No 2. It is colonial eleven years older, more than 1/2
of the house carpeted and with .25 acre.
Additionally, the majority of the data he is using is for short
sales and foreclosures. Even one of the 3 comparisons is a previously foreclosed
home.
Also, an 2.3 acres plot next to mine was assessed for
$115,000 in 2015.
Items missed (not inclusive) with cost
1.      
Cedar siding non simple wood 50% more expensive
than wood
2.      
Double pane wood windows
3.      
Panel siding in the living room
4.      
1/2 around porch with new railing - $2,ooo
5.      
New 2050 
sf brick paved driveway  with 6
parking spaces added value of $ 10,000
6.      
2 zone air-conditioning $5,000
7.      
Detached garden patio
8.      
Storage Shed $500
9.      
Cabinet Doors and Drawer Fronts Solid Oak with
new pull drawers. Corian marble and butcher block countertops (18 feet long),
composite granite sink. $ 4.000
10.  
Microwave $350
11.  
** Dishwasher 
$900
12.  
All upscale ** appliances  + $3000 than the average
13.  
Custom tile floor kitchen floor $2,000, and
refinished hardwood floor
14.  
New patio sliding door $ 600
15.  
Updated bathrooms with high end [redacted] toilets,
soaking bathtubs and porcelain vanities $ 5,000
16.  
New tile floors in bathrooms /replaced linoleum
floors $ 4,000
17.  
Master bedroom suite with soaking jetted bathtub
and granite top vanity, new tile surround
18.  
Updated utility room with added 56 inch long
storage cabinets (wall+base) $ 1,000
 
 
Comp 3 –Front no second floor windows and
obvious structure
 
 
 
 
 
 
 
 
 
[redacted], two story
traditional colonial with half wraparound covered porch
Brick paved driveway
and 6 car parking  [redacted].
Regards,
[redacted]

Dear Ms. [redacted]: Please accept this letter in response to an inquiry you made to the Revdex.com (Revdex.com) 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.

[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 me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [email protected].
Regards,
[redacted]
Yes everything has been resolvedThank you

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 purchases. Unfortunately, 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 Quikline. Once these limitations are reached, we may refuse or reverse additional transfers of these types. We 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 6 per month. Limited items include transfers for checking overdrafts and transfers made online. On July 21 , 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 fees. As a courtesy, she refunded one $35 overdraft fee. We regret that your experience was not as you expected and sincerely hope this has helped to explain the events that occurred. We are sorry to hear that you have closed your accounts. It is Virginia Credit Union's pledge to provide the highest level of service. If you have additional questions, please contact 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 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 grandmother. Despite 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 approved. Ms. Felicia H[redacted] tells us things, and doesn't follow through with what she says. She told my wife and I that she would contact us the following day in reference to the appraisal. Never contacted us, my wife had to contact her supervisor in order to get her to respond to the numerous messages left.