the partnership fcu

To start, please note that the member's dispute was resolvedThe member submitting the claim asserted that our institution falsely accused him of missing two payments, reporting as such to the credit reporting agencies, and thus damaging his creditAccording to our records we were reporting the member 60-days past due as a result of missed paymentsThe member had originally been contacted by our institution in July at the onset of the missed paymentsAt that time he declined to make payments because he claimed that insurance existed on the loan and the payments should be made from the insurance agency.Upon further research, the insurance company had been making payments up to April at which time the insurance agency requested updated information from our memberThis information was never provided by our member and consequently the payments did not continue.Eventually in August our member provided the requested information to the insurance companyUpon receiving the information the insurance company mailed a check for the past due balance (on August 8, 2017)Unfortunately this check was never received so a stop was placed on September 6, at which time a new check was issuedThis check was received by our institution on September 19", and posted with the effective date per the claimRelated fees and credit reporting were also adjusted at this time.We provided verification to the member in writing that the delinquency and subsequent reporting was caused by a delay in 3" party payments and would be corrected.At this time We believe the issue to be resolved

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved]
Complaint: ***
I am rejecting this response because:
Their "response" is just a
copy of page of from a letter addressed to my sister, *** ***.There is no adequate reply from The Partnership FCU regarding the return of the money they took without prior or post notice to me as the primary account holder.I still expect the return of all my money
Regards,
*** ***

July 27, 2015This letter is a written response to the notice we received from your office on July 16, regarding a complaint submitted 6/24/3:41:PM with an assigned ID of ***The customer has responded with additional concerns to be addressed regarding the return of funds.We will not be returning any funds to the consumerAs stated previously we acted in accordance with our rights of offset as allowed by our Account AgreementNotification in the form of our *Agreement and Disclosure Statement" was provided and acknowledged by both parties at the time the accounts were openedPage of the Agreement, subheading Lien pf Shares clearly states that “We have a statutory lien on the funds in any Account in which you have an ownership interest, regardless of their source, unless prohibited by law, We may apply these funds if you owe us money as a borrower, guarantor, endorser or otherwise, without further notice to you, in any order to pay off any indebtedness or obligation owed by you or any Account owner to the Credit Union,” The Partnership Federal Credit Union accordingly invoked our right of statutory lien as permitted by this Account Agreement.In accordance with Federal Regulation "P" (Privacy of Consumer Financial Information) we cannot divulge the private information regarding this consumer's account and the circumstances related to her Statement of the Problem, including specific information on account balances at the time of the stated overdraft.If you should have any further questions or concerns please do not hesitate to contact meRegards,Jean M

To start, please note that the member's dispute was resolved. The member submitting the claim asserted that our institution falsely accused him of missing two payments, reporting as such to the credit reporting agencies, and thus damaging his credit. According to our records we were reporting the...

member 60-days past due as a result of missed payments. The member had originally been contacted by our institution in July 2017 at the onset of the missed payments. At that time he declined to make payments because he claimed that insurance existed on the loan and the payments should be made from the insurance agency.Upon further research, the insurance company had been making payments up to April 2017 at which time the insurance agency requested updated information from our member. This information was never provided by our member and consequently the payments did not continue.Eventually in August 2017 our member provided the requested information to the insurance company. Upon receiving the information the insurance company mailed a check for the past due balance (on August 8, 2017). Unfortunately this check was never received so a stop was placed on September 6, 2017 at which time a new check was issued. This check was received by our institution on September 19", 2017 and posted with the effective date per the claim. Related fees and credit reporting were also adjusted at this time.We provided verification to the member in writing that the delinquency and subsequent reporting was caused by a delay in 3" party payments and would be corrected.At this time We believe the issue to be resolved.

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
 Complaint: [redacted]
I am rejecting this response because:my credit is still showing missed payments they did nothing to repair my credit and lied to me and other people helping me
Regards,
[redacted]

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]
 Complaint: [redacted]
I am rejecting this response...

because:Their "response" is just a copy of  page 1 of 2 from a letter addressed to my sister, [redacted].
There is no adequate reply from The Partnership FCU regarding the return of the money they took without prior or post notice to me as the primary account holder.
I still expect the return of all my money.
Regards,
[redacted]

July 27, 2015
This letter is a written response to the notice we received from your office on July 16, 2015 regarding a complaint submitted 6/24/2015 3:41:48 PM with an assigned ID of [redacted]. The customer has responded with additional concerns to be addressed regarding the return of funds.
We will not be returning any funds to the consumer. As stated previously we acted in accordance with our rights of offset as allowed by our Account Agreement. Notification in the form of our *Agreement and Disclosure Statement" was provided and acknowledged by both parties at the time the accounts were opened. Page 12 of the Agreement, subheading Lien pf Shares clearly states that “We have a statutory lien on the funds in any Account in which you have an ownership interest, regardless of their source, unless prohibited by law, We may apply these funds if you owe us money as a borrower, guarantor, endorser or otherwise, without further notice to you, in any order to pay off any indebtedness or obligation owed by you or any Account owner to the Credit Union,” The Partnership Federal Credit Union accordingly invoked our right of statutory lien as permitted by this Account Agreement.
In accordance with Federal Regulation "P" (Privacy of Consumer Financial Information) we cannot divulge the private information regarding this consumer's account and the circumstances related to her Statement of the Problem, including specific information on account balances at the time of the stated overdraft.
If you should have any further questions or concerns please do not hesitate to contact me.
Regards,Jean M