Stephensons Paint & Wallpaper

Complaint: ***
I am rejecting this response because: AFFCU accepted an electronic signature from me to open my accounts? So AFFCU should accept either an electronic method for account closure? Requiring a "wet" signature is ridiculous? Please show that I was ultimately dissatisfied with business's response
Regards,
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We reached out to the member over the weekend.? The matter has been resolved to the member's satisfaction according to email received from her.[redacted]

The member provided copies of identification at the time the account was opened.? A few months later the member opened a checking account.? The checking account was the recipient of the member's payroll deposit and subsequently withdrew the funds from the account.? At no time during
the six month period that the member's payroll was deposited did she allege that she did not receive the benefit of those funds.? Her story regarding the unauthorized opening of the account are inconsistent with the account's usage by her.? Since she signed an agreement that required the review of the account activity and notice to be provided to the credit union regarding irregular activity in the account and no such communication was received we can only assume that the activity as reported is accurate.? An attempt was made to contact the member on December 16, to make further inquiry and no response was received.If the member would provide other substantiation as to her claim we will be happy to review the situation further.Respectfully, [redacted]President/CEO

August 3, 2015Revdex.com? La Posada Drive? Austin, TX 78752RE Complaint ID [redacted]Dear Ladies and Gentlemen:Please accept this letter as response to the referenced complaint.Statement of Problem ??" Broken DownThe member alleges that on five occasions his consumer rights were
violated; once in August 2014, once in September 2014, twice in April 2015, and once in May He states that we sought information about him and discussed his accounts with these individualsWe did contact parties that were not obligated on his accounts for the purpose of trying to locate and communicate with the memberThis is not a violation of any consumer rightWe deny that at any time disclosing the reason for which we were attempting to contact the member and at no time discussed the members account or status.? We record the calls we have through our Collections Department for quality assurance purposesI have listened to each call made during those months as best as I could determine when compared to the notes made on the member's account recordWe would be happy to play those recordings for the member or for any other party he so authorize their playing.? On July 6, at approximately 10:am a fax was received from [redacted]It was addressed to "Loan Services." The fax directed us to release a title to a truck to the sender pursuant to an attached Power of Attorney document (POA)At the time the fax was received the loan had not been paid, nor was there any sense of urgency associated with the communicationIndeed the POA was to be valid until December 25, 2015, so there was no expectation generated by its receipt of any impending immediate transaction (copy attached).? The member paid a vehicle loan off in JulyOn July 6, we received a wire indicating it was for a payoff on a loan but directing the funds to go into a checking accountThe wire came in at 2:pm CDTThe funds ($25,575.17) were credited to a deposit account on July An incoming wire fee of $was deducted from the account with the remaining available balance was applied to the loan secured by the vehicle described in the wire instruction (copy attached).? The funds were insufficient to pay off the loanThere was a balance remaining of $due on the loanOn July 7, 2015, as is our practice, we review the loans with activity the previous day which resulted in a balance less than a full paymentIt was determined that the intent was to pay off the loan, but since there had been late fees assessed, the decision was made to waive the fees in an amount equal to the remaining balance.Page 2On July 21, the member contacted the Collections Department seeking to speak to the Manager of a particular employeeThe member received an email on July from the employee telling him that we cannot release collateral when there are past due amounts on other loansThis communication is merely a restatement of the loan agreement executed by the member when he took out the loan his unsecured loanPage of the document Section reads in part: "SECURITY FOR LOAN ??" This Agreement is secured by all property described in the "Security" section of the Truth in Lending DisclosureProperty securing other loans you have with us also secures this loan, unless the property is a dwelling."? The cross-collateralization clause is also stated in the loan secured by the vehicle.? When the member called on July 21, the condition was restated to the memberHe agreed to pay the past due amount on the unsecured loan and we agreed to release the collateralThe payment on the unsecured loan was made on July 22, 2015.? When the payment was processed on the 22nd, a note was send to the title clerk that it was okay to send the release of lien but no particular sense of urgency was suggested in the communication.? On the 27th of July a release of lien was prepared and placed in the mailTwo days later, a request was honored that sent a second release this time with the mailing sent return receiptThe member alleges that we provided a bogus tracking numberWe deny that statement as being factualWe have our receipt from the mailing, duly stamped by the postal serviceWe cannot explain why they show no record on their website, but we have our receipt having done so.? Response to Desired Settlement1.? We did not violate the member's rightsTherefore the desired payment will not be forthcomingEnclosures A third release of lien has been prepared and is being sent to the agent named in the Power of Attorney, as we have no other entity to whom we are to address the documentWe have received no instruction orally or in writing as to an alternate to the original instructionFedEx will pick up the document from our headquarters this afternoon between 4:pm CDT and 5:pm CDTThe parcel is guaranteed for delivery by 4:pm CDT tomorrow to the agent named in the Power of AttorneyA copy of the tracking document is attached hereto.Respectfully,[redacted]President/CEO