TNB-Taxes Notary & Bookkeeping

February 19, Revdex.com Complaint Name: *** *** Revdex.com Complaint ID#: *** Dear Mr***, In response to your recent Revdex.com complaint stating that the document SSFCU attached was not legible and you were unable to verify the authenticity, we have obtained a clearer copy from Charles Maund Toyota and have attached it. We also left enough information on the credit application for you to be able to identify it as yours. We have suppressed income, birth date and partial SSN to protect your personal dataEven though this credit application permitted SSFCU to pull credit that was related to a potential transaction regarding a loan for an automobile, which is a permissible purpose under the Fair Credit Reporting Act, as a courtesy, we have decided to remove Experian and Equifax from your credit files in order to resolve this matterThank you, *** ***SrV.PCentral Region Indirect Lending Tell us why here

Complaint: ***
I am rejecting this response because: I had previous coverage on the toyota sequoia that I traded in, this coverage was in effect on September 3rd Under Colorado law I am covered for days on that policy when I purchase a new vehicle Funny they didn't mention that I sent them all of that information I would also like to add that I had to keep re-faxing these policies over and over because when I called to verify receipt, they kept saying they didn't have them. Also, the new policy listing the sequoia shows effective October 5th, because October 3rd is a Saturday I doubt they mentioned that either I am getting gouged by this credit union Please help protect other consumers from this type of abuse I wouldn't even mind if it was only $40-$for that Saturday and Sunday, but $is unreal
Regards,
*** ***

Complaint: ***
I am rejecting this response because:We have already spoken with *** *** at length We provided proof of insurance to him He freely admits that no contact was made prior to loan maturity to let us know that SSFCU was imposing insurance, except for three computer-generated letters (which went to an obsolete address) No attempt to contact or inform us was made via email or phone, which SSFCU has had on file for Paul Fuess for the duration of the loan Email and phone have not changed since loan inception Please see original loan document, attached. The only resolution *** *** said he will accept is full payment for whatever amount he says we owe, plus fees He has stated that no other resolution will be acceptable.Based on the fact that we insured the vehicle for the entire duration of the loan, in good faith, and fulfilled the terms of the original loan, and that SSFCU made no honest attempt to contact us by phone or email and inform of their concerns and actions, we dispute obligation to pay SSFCU-imposed additional auto insurance and penalties. The original contract attached should clearly identify the loan in question
Regards,
Paul Fuess*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
The fees were returned after the complaint was filed
Regards,
***

SSFCU has addressed the member's situation and all concerns are now resolved

We conducted a thorough investigation into the concerns raised by Mr***. However, due to the sensitive and confidential nature of the credit union and member relationship, we cannot provide specific details in this forum and suggest that Mr*** contact *** ***, SVP / Member
Service at *** so any remaining issues may be promptly resolvedProblem 1) Ongoing failure to respond and even attempt to resolve issuesResponse: Reviewed call center logs and cannot identify any unresolved issues Problem 2) Ongoing phone calls violating FDCPAResponse: A review of collection logs, phone logs and account notes does not indicate any potential FDCPA violations Problem 3) Failure to accept online payments as business has advertisedResponse: SSFCU does accept payments online and cannot find any advertising discrepancies Problem 4) Charging of fees not allowed by consent/contractResponse: SSFCU only charges fees as outlined in our Truth in Savings Disclosures; all fees being charged are contractual Problem 5) Failure to close accounts as requestedResponse: We find no such request. It should be noted that a share savings account with a balance of $must be maintained to uphold membership status Problem 6) Failure to release funds not owned by businessResponse: We find no evidence of funds being placed on hold and/or not being released as requested Problem 7) Failure to communicate in a timely manner that use of a card to facilitate a quicker payment in processing as a cash advance --- START with such info! Response: According to our call log, the representative informed Mr*** that the transaction would be processed as a cash advance and could potentially generate additional fees before he proceeded to provide his credit card number Problem 8) Failure to obtain consent to make a customer a member of a member-organizationResponse: Records indicate that on April 21, 2015, Mr*** signed a standard SSFCU Member Agreement giving his consent to join the credit union We suggest Mr*** contacts *** *** to discuss the items as outlined in the desired settlements as they require further clarification and information If Mr*** does not contact us directly, we will consider these matters resolved and closed at this time. Again, should Mr*** wish to speak with senior management, he may call *** *** at *** or email him at ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

We regret we are unable to service the Member. Sincerely, Security Service Federal Credit Union

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

SSFCU has contacted this individual and the complaint has been resolved. -SSFCU

Complaint: ***
I am rejecting this response because: While I understand you must protect the company as a whole but, I was never given the opportunity to take better measures to secure my accounts Having you as my finicial institution I feel I should've been advised on how to handle these situations Even though you state that these situations may have been by no fault of my own YOU (the company) are still holding me liable by closeimg my accounts and not giving me an opportunity to restablish new ones if my account was in jepordy Further more since I have had issues with identity theft and I have filed police reports accordingly No other institution has treated me like your has You have a slogan to be all about "service" In my situation its been more of a disservice I have had a savings account at your institution for over years and, I would still have a checking if you would not have closed it I would understand if I was a new customer and had a lot of incidents or if you were a smaller institution how it may be an issue It wasn't millions of dollars they were pettu crimes that were fraudulently commited on my account and I took the proper steps afterwards I feel how much support I've put into the company, how much I've paid in interest on my car note, and how I've always referred people to your bank would be enough to keep a loyal customer Apparently, the average customer doesn't matter to your company You've lost more than just me as a customer if this is how you treat lifelong members I will make sure I spread the word on how you handle situations that are of no fault to the customer
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Regards,
*** ***

November 2, 2016 Revdex.comLa Posada DriveAustin, TX 78755 RE: *** and *** ***Case Number: *** To whom it may concern:We are in receipt of *** and *** *** Revdex.com complaint wherein they expressed multiple concerns
regarding their deposit accountAs a result of this complaint, we have completed an investigation.Our review indicates that Mr*** experienced some difficulty while attempting to bring his account currentIn conversations between Mr*** and our representative, Mr*** informed SSFCU that he would be bringing his deposit account current on September 15, Although Mr*** did have a direct deposit to the account as outlined in his complaint, the account did not become current within days of going negative. To better understand the situation I reached out to Mr*** to discuss the details of his experienceRegretfully, I believe that there was a misunderstanding resulting from conversations about his deposits that lead Mr*** to think that merely having deposits into the negative account would keep the account from being written-off. However, SSFCU’s write-off process consists of mailing courtesy notices to members on the 15th, 30th, and 45th day that an account is overdrawn and accounts will be systematically written-off on the 60th day. Then they are sent for collections and reported to ChexSystems unless prior arrangements are made with SSFCU and the account is manually coded not to write-off.After our research and my discussion with Mr*** we believe it is appropriate to immediately reinstate Mr& Mrs***’ accounts with SSFCU and remove all related ChexSystems reporting from their records and as of Friday October 28th we have done so. I have also informed the members of these actions and have provided them with my direct contact should they need further assistance with this matter. Thank you for providing me the opportunity to address these concernsPlease do not hesitate to contact us should you require future assistance.Sincerely, *** ** *** Assistant Vice President | Member Contact Center IH W. San Antonio, TX 78249 *** ***

Security Service's response is attached Thank you, SSFCU Management November 22, 2016 *** *** *** ***Fountain, Colorado 80817 Re: Revdex.com Complaint Case #: *** Dear Mrs***,Security Service Federal Credit Union received your complaint via the RevDex.com on November 15, regarding the offset of your checking account for your husband’s auto loanWe have completed an investigation of the situation and providing the following information*** ** *** is a joint account holder on the checking accountThis checking account was offset in accordance with the loan agreement with Mr*** and the account agreement with both you and Mr***Since Mr*** has an ownership interest in the account, it will remain in credit only status until all other matters with Security Service Federal Credit Union are settled.Please be assured that SSFCU makes every attempt to resolve any issues our members may have*** ***, Collections Manager, may be contacted via email at *** or at *** if you have any further questions. Respectfully, *** ***Assistant Vice President

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.
Regards,
[redacted]

A Security Service Federal Credit Union Officer completed this transaction on August 12th and spoke to the Member in person.  Sincerely, [redacted]

September 26, 2016   [redacted] Muleshoe, Texas 79347   RE:   Revdex.com Complaint received on September 20, 2016 Dear Ms. [redacted],    Security Service Federal Credit Union received your Revdex.com Complaint September 20, 2016 regarding the Collateral Protection...

Insurance issue and the hold on your vehicle title. We have completed an investigation of the situation and are happy to provide the following information. Our records indicate that there were four (4) Collateral Protection Insurance policies placed on your loan. These were due to a change in your insurance provider that was not communicated to our vendor until August 26th, 2016. Once the clarification of the change was provided, our vendor was able to get in contact with SAFECO and verify coverage for the periods in question. All policies have been refunded and back-dated as of 9/13/2016. The account now reflects Paid In Full and the title was sent on September 21, 2016.  Thank you for allowing us the opportunity to address this matter. Please be assured that Security Service Federal Credit Union makes every attempt to resolve any issues our members may have. Please contact [redacted] at [redacted] if you have any further questions. [redacted]Assistant Vice PresidentSecurity Service Federal Credit Union

February 8, 2016     Revdex.com Complaint Name:  [redacted]     Revdex.com Complaint ID#:  [redacted] Dear Mr. [redacted] – In response to the Revdex.com complaint you resubmitted requesting documentation to demonstrate that SSFCU had authorization to obtain your credit bureau information, we have attached a copy of the credit application you completed at Charles Maund Toyota which provided your authorization. As noted in our initial response, the application was submitted to SSFCU by Charles Maund for consideration of a loan for purchase of an automobile.  As part of this process, SSFCU pulled credit bureau reports for review, which reflects as a credit inquiry on your credit bureau report.  The credit inquiry was related to a potential credit transaction involving a loan for an automobile, which is a permissible purpose under the Fair Credit Reporting Act.  Additionally, as noted above, authorization was provided by you on the application received from the dealer (reference page 2, General Disclosure and Agreements).  We trust this explanation and documentation provided resolves your concern.  Thank you, [redacted], Sr. V.P. Central Region Indirect Lending Tell us why here...