TNB-Taxes Notary & Bookkeeping

Mr. [redacted], Thank you for your inquiry into your truck loan that is financed through Security Service Federal Credit Union.Your current payoff balance is $528.10 and I have enclosed an amortization of your loan for your review.  Once your payoff is received, we will be more than...

happy to release the title.  Our records indicate that notices have been sent to the address on file and we have attempted to contact you by phone as well.  If you have any questions, we are available 24 hours a day, 7 days a week at ###-###-#### or Monday through Friday 8:30am to 8:00pm and Saturday 8:30am-3:00pm at ###-###-####.   Sincerely,[redacted]

SSFCU has contacted this individual and addressed the situation. -SSFCU

Complaint: [redacted]
I am rejecting this response because it does not explain why my check was returned.
Regards,
[redacted]

Complaint: [redacted]
I am rejecting this response because:I've had a line of credit account with SSFCU since 1985 and they have withdrawn from my accounts for payment after the due date in the past. (several times) Only 4 of of these were reported to the credit agencies in 31 years.  Why now? It has been of SSFCU's practice, if the payment was withdrawn from my account it wasn't reported as a missed payment.  The funds would simply be withdrawn for payment as they been for the past 31 years.  Additionally, this dispute was first filed on 12/7/15. I followed up several times and am receiving an answer 40 plus days later. (30 days or less is what is committed to)
Regards,
[redacted]

Dear Ms. [redacted] We are in receipt of Mrs. [redacted]’ recent Revdex.com Complaint dated June 15, 2015, where she requested a payment to be posted to her correct account with Security Service Federal Credit Union (SSFCU). Please accept this as our response to her inquiry.Upon...

receipt of your correspondence, we conducted a review of Mrs. [redacted]’s account. Our records indicate that Mrs. [redacted] called on 06/12/15 to request we process a payment to her line of credit account in the amount of $50.00, and we offered to process the payment free of charge.  Unfortunately, the payment we processed on 06/12/15 with confirmation # [redacted] for $50.00, was voided due to an incorrect Line of Credit account number that we entered. To address this matter, we can process a new payment for her by using a debit card or checking account number from a different financial institution, and we will backdate the payment to 06/12/15.  Any late fee or interest charged due to delayed posting will not apply.  Mrs. [redacted] can reach me directly at [redacted] any time between the hours of 8:00 am – 5:00 pm MST to process her payment. Mrs. [redacted] also references payments on two separate occasions being made to other individual’s accounts.  Our research indicates that on 8/8/2014, an internal auto debit between accounts was setup incorrectly. This issue was corrected on 8/11/2014 and the member was credited back the loan payment transfer accordingly. On a separate occasion, 4/1/2014, the member called in to process a [redacted] for her loan payment and our agent transposed the last two numbers of the account causing the payment to reject.  We called the member on 4/20/15 and processed a new payment and waived the return item fee.Please note that we have taken this opportunity to speak with the representatives involved in each of these transactions and have provided the necessary coaching to avoid this situation in the future.Thank you for providing me the opportunity to address Mrs. [redacted] concerns and please do not hesitate to contact me should you require additional assistance.Sincerely,[redacted]Contact Center ManagerSSFCU

Complaint: [redacted]
I am rejecting this response because:Good morning,I apologize for the delay in my response to the complaint.  My father in law passed away in the process and the emails were in my junk folder....

 The complaint is not resolved by any means.  SSFCU has contacted us.  However, they have not offered any reasonable resolve.  My father in law is now deceased and due to the response time from them we were not able to accomplish long term care Medicaid so he could have had more services and died at home as he wished to do.  Instead he died in hospice at a facility.  We had asked for SSFCU to assist with end of life care since they failed to provide us the information for him to qualify.  We are now requesting that they forgive all debt from my father in law and for the vehicle to become an asset.  We are further requesting that SSFCU be investigated as to their business practices.[redacted]PFS[redacted] office[redacted] fax[redacted] DirectConfidentiality Statement: The information contained in this email is confidential information belonging to Integrated Practice Resources. Which is protected by the physician-patient privilege.  State law prohibits further disclosure of this information without the specific written consent of the person to whom it pertains or as otherwise permitted by law.  If you are not the intended recipient, you are hereby notified that any disclosure, copying distribution or taking of any action in reliance on the contents of this information is strictly prohibited. If you have received this email in error, please call [redacted], or reply and tell us the error. Thank You!
Regards,
[redacted]

November
26th, 2015[redacted],We received your RevDex.com complaint (#[redacted]) regarding your auto loan that was a total
loss. Upon receipt of the complaint, we initiated a thorough review of the
situation and all the notes associated with the transaction. I am happy to
provide...

the following information. The remaining balance on your
account is currently delinquent and is part of the collections efforts of
Security Service Federal Credit Union. This can happen when there is a delay
with the payment of a GAP policy after a vehicle is totaled. When events like
this occur, SSFCU reminds our members that the agreed upon installment payments
should continue until the issue is resolved with the insurance companies. If
timely payments are not maintained, there can be a negative impact on a member’s
credit which is irreversible. Should our members wish for
collection calls to cease, by law they have the right to request that in
writing to SSFCU and we will stop any outbound calls. In the case of this
specific account, we have verified that the GAP payment has been approved and should
be sent to the credit union soon. Because of this, we are able to place your
account in a no-call status until that check is applied. At that time we will
reach out to you to make arrangements on the remaining balance.Again, thank you for
providing us this opportunity to resolve this matter. Please be assured that
Security Service makes every attempt to resolve any issues our members may
have. [redacted], Manager, Asset Recovery can be reached via email at [redacted]@ssfcu.org if you have any further
questions. Sincerely,[redacted]Assistant
Vice PresidentSecurity
Service Federal Credit Union

SSFCU did work directly with me and I accepted there resolution as long as nothing negative is entered on my credit report due to this issue. I do want to add that I did not realize that both banks charged a return...

check fee, and to expedite matters I had to initiate a wire transfer. Total additional un-compensated costs was $34.00.   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]

We received your RevDex.com complaint (#[redacted]) regarding your payoff quote for your 2013 Honda Accord. Upon
receipt of the complaint, we initiated a thorough review of the situation and
all the notes associated with the transaction. I am happy to provide the following
information....

On November 7th,
2015 you attempted to get an automated payoff quote. Unfortunately, automated
payoff quotes are not available when there is an overdue balance on another
loan with Security Service Federal Credit Union. You tried again to get a
payoff quote on November 9th, 2015 and were told that the quote would
have to come through the Asset Recovery department due to an outstanding amount
due on another loan. That quote was requested and provided on November 10th,
2015 once you called the Asset Recovery Department. Once the payoff quote was
provided, your dealership sent the funds to pay both the auto loan and the
charged-off account in full. Both accounts are satisfied.Again, thank you for
providing us this opportunity to resolve this matter. Please be assured that
Security Service makes every attempt to resolve any issues our members may
have. [redacted], Manager, Asset Recovery can be reached via email at [redacted] if you have any further
questions. Sincerely,[redacted]Assistant
Vice PresidentSecurity
Service Federal Credit Union

[redacted]
[redacted]
[redacted] January 12th, 2016 RE: Complaint # [redacted]   Security Service Federal Credit Union appreciates the opportunity to address this issue for our member. Upon receiving this complaint, Security Service Federal...

Credit Union initiated a thorough review of Mr. [redacted]’s loan #[redacted] on the Prime Line of credit account opened on December 31, 1988. Security Service Federal Credit Union’s loan agreement requires members to proactively make their payments. Upon review of Mr. [redacted]’s account information we found that on each occasion the payments were past due. When a payment is past due the credit union has the option to offset the funds. This was completed for each late payment. We cannot offset funds without the account being past due. Our member acknowledged that he did not make his payments upon the actual due date and instead waited for this credit union to offset the funds. SSFCU is required to factually report the payment history of our members’ accounts, therefore we cannot reverse the late payment reports as requested. To avoid these problems for our members, Security Service Federal Credit Union offers an option for automatic payment. We would be more than happy to set this up on this account if we are contacted directly and this is requested. Again, thank you for providing us this opportunity to resolve this matter. Please be assured that Security Service makes every attempt to resolve any issues our members may have. Scott Loftin, Manager, Asset Recovery can be reached via email at [redacted]@ssfcu.org if you have any further questions. Sincerely, [redacted] Assistant Vice President Security Service Federal Credit Union Tell us why here...

SSFCU has contacted this individual and addressed the situation.

[redacted] 2519 Broadway Apt 301
San Antonio,, TX 78215
August 11, 2016
Dear Ms. [redacted] –
We have received your complaint from the Revdex.com (Revdex.com) relative to your ability to reopen or access accounts and to use online services at Security Service Federal Credit...

Union.
We appreciate your membership and the opportunity to review and address your concerns. Upon receiving your letter, I initiated a review of your account and I understand the difficulties you outlined. Our intent is to make doing business with Security Service FCU pleasant and convenient and I apologize that your experience fell short of that expectation. Our records reflect that since 2011, there have been at least six (6) instances related to your accounts that have directly caused a financial loss or put Security Service in a position to take a financial loss on transactions. While we understand that these transactions may not be directly related to your actions and that the transactions occurred due to takeover of the account through identity theft or other means, SSFCU has a responsibility to all of its Members to prevent losses and for that reason we discontinued your services as a safety measure to prevent additional unauthorized access and losses to the Credit Union. We regret we cannot offer continued on line access to you. As an alternative to speaking to a representative, to obtain information on your loan account please call our Automated CallPlus service by calling 1.800.527.7328, option 1 following the message.
Respectfully,
[redacted]
Vice President – Risk Management

May 10, 2016 [redacted] Cibolo, TX 78108-3739 Complaint #[redacted] Dear Mr. Hatfield, We received your Revdex.com complaint (#[redacted]) regarding the manner in which Security Service Federal Credit Union is reporting your auto loan, [redacted], on the 2012...

Ram 1500 to the credit reporting agencies. As a result of this complaint we have completed an investigation of the situation and we are happy to provide the following information. After a thorough review of your file, it was determined that this loan is accurately reported based on the payment history. During our investigation, we reported your account in disputed status. Your correspondence indicates that you have submitted disputes regarding this matter in the past and have not received resolution. All of your previous disputes were responded to in compliance with the Fair Credit Reporting Act guidelines and the account was reporting correctly. The results of this investigation also are conclusive that the account is being reported correctly to the credit reporting agencies. Our collection notes indicate extensive interaction with you where the credit union is attempting to help you remain current or pay the delinquency. Additionally, SSFCU has offered multiple times to set up future payments. Additionally, SSFCU granted two months of extensions to assist you in maintaining your contractual agreement. Your most recent delinquency was in March of 2016.  SSFCU has no record of any attempts to setup automatic payments on this account. We have record of a dialogue with a member service team representative on March 19th, 2012 where you indicated that you were going to set up an external automatic payment, however, it does not appear that this was done. Security Service Federal Credit Union remains committed to assist you in maintaining this account in good standing. We would be more than happy to assist you in setting up an automatic draft to avoid future late payments. If you are interested, please contact us at [redacted]. Again, thank you for allowing us the opportunity to resolve this matter. Please be assured that Security Service Federal Credit Union makes every attempt to resolve any issues our members may have. [redacted], Manager, Asset Recovery can be contacted via email at [redacted] if you have any further questions. Respectfully, [redacted] Assistant Vice President Security Service Federal Credit Union Tell us why here...

From: [redacted] [mailto:[redacted]@yahoo.com] Sent: Wednesday, June 10, 2015 10:42 AM To: [redacted] Subject: Revdex.com Complaint # [redacted]   Regarding complaint # [redacted]; I received the email below from the SSFCU representative. I am satisfied at this time that appropriate action has been taken...

by the business and I would like to close the complaint.   If the business doesn't follow through, I will let you know.   Thank you,   [redacted]

Mr. [redacted],       Security Service Federal Credit Union appreciates the opportunity to resolve this complaint for our member. Upon receiving this complaint, Security Service Federal Credit Union initiated a thorough review of Mr. [redacted] loan #** on a 2015 Toyota...

Sequoia purchased September 3, 2015 for $55,001.53. The original term was for 60 months with monthly payments of $993.20.      Security Service Federal Credit Union’s loan agreement requires members to maintain satisfactory property insurance to protect the credit union’s collateral from damage. This requirement is stated in the Retail Installment Contract signed by Mr.[redacted] as well as on the Addendum for additional terms, as described in section 2 titled Insurance Deductible it states the member will maintain physical damage insurance with Comprehensive and Collision coverage with a maximum deductible of $500.00.      Our records indicate that the credit union was forced to purchase single interest insurance from our insurance carrier SWBC on the 2015 Toyota Sequoia on November 28, 2015 as we were never provided with adequate proof of insurance and the credit union was not listed as the lienholder of record. Notices requiring proof of insurance were mailed on October 9, 2015, November 6, 2015 and November 20, 2015. SWBC, the insurance provider, left a voicemail message for the member on November 3, 2015 in a continued effort to communicate with Mr. [redacted].      Mr. [redacted] contacted SWBC on January 6, 2016. SWBC advised our member to provide his insurance declarations page for the policy period from September 3, 2015 through the current date as well as verify with his insurance provider, Progressive, that the lien holder information was correct. Mr. [redacted] provided his insurance declarations page with the lienholder information to SWBC on January 11, 2016. Further research found that Mr. [redacted] did not add his 2015 Toyota Sequoia to his policy until October 5, 2015. SWBC held a conference call with Mr. [redacted] and his Progressive agent on February 23, 2016. The Progressive agent confirmed that Mr. [redacted] did not have coverage on September 3, 2015 and that the unit was not added until October 5, 2015. This time period was over 30 days, not the two day stated by the member.      SWBC reviewed Mr. [redacted]’ request for refund on February 23, 2016 for the remaining amount of $735.00 and determined no further refund was due as the vehicle was not added until October 5, 2015 and thus the member is still responsible for the period of time from September 3, 2015 to October 5, 2015.       SSFCU and its insurance partner SWBC have worked to fully inform Mr. [redacted] of what was needed for an additional refund and were unable to secure that from him. Because there was a break in coverage, we are unable to provide a full refund of the policy, however a partial refund has already been processed.      Thank you for providing us the opportunity to present the facts regarding this account. SSFCU makes every attempt to resolve any issues our members may have. [redacted], Asset Recovery Supervisor, welcomes the opportunity to discuss any further questions with our member. Ms. [redacted] may be reached at [redacted] or via email at [redacted]@ssfcu.org Sincerely, [redacted] Assistant Vice President Security Service Federal Credit Union

Good morning, Ms. [redacted],   SSFCU has contacted [redacted] via telephone and the situation has been resolved.    Please let me know if you have any further questions.   Thank you,   [redacted] Compliance Project Manager

Dear Ms. [redacted], In order to research this issue, we would need to identify our customer's account.  Could you please provide us with name and address, or enough information for us to identify, of your 'cleaning lady'?  Thank you, Security Service Federal Credit Union

SSFCU has contacted this individual and addressed the situation.   -SSFCU

[redacted]
* April 6, 2016 RE: Complaint # [redacted]   Mr. [redacted], We received your complaint regarding the collateral protection insurance placed on your 2015 Honda Accord. As a result of this complaint we have completed...

an investigation of the situation and we are happy to provide the following resolution. Our records indicate that there was a CPI insurance policy placed on your account in the amount of $3983.00 because we had not received proof of a full coverage policy. There was a partial refund processed in the amount of $2395.00 once the proof of coverage was submitted. That was a partial refund because the proof that was provided showed a gap in coverage. Additionally, Security Service Federal Credit Union verified, directly with Allstate, the coverage dates of your policy. Even after receiving your Certificate of Insurance dated October 8, 2015, your carrier would not confirm coverage. It was not until this week, when we provided that proof to the carrier, would they acknowledge their mistake. We have now have confirmation of full coverage and have processed a full refund of the CPI policy. Your account has been fully credited for the entire amount. Again, thank you for providing us this opportunity to resolve this matter. Please be assured that Security Service makes every attempt to resolve any issues our members may have. [redacted], Manager, Asset Recovery can be contacted via email at [redacted] if you have any further questions. Sincerely, [redacted] Assistant Vice President Security Service Federal Credit Union Tell us why here...

Complaint: [redacted]
I am rejecting this response because:The attached and included document is not legible. I am unable to verify the authenticity nor the content of the document.  
Regards,
[redacted]