Turn Key Service Tech, Inc.

February 11,
*** ***
*** *** **
*** ** ***
Dear Ms***,
I am writing in response to the complaint you filed with
the
Revdex.com on February 4, regarding a check that you received
and was later returned unpayable.
As we discussed, you have been a victim of a check scam. Our first priority is to get your daughters
account opened and return the money that was taken from her. I have also reversed all overdraft fees that
have been incurred on your account at this point
We will continue to work together to resolve this situation the
best way that we can for both of you and I look forward to working with you
during this process.
Please contact *** ***, Manager of Fraud Management,
directly at *** *** with any questions
Sincerely,
*** ***
Vice President, Account Services

May 18, *** *** *** *** *** *** Antelope, CA Dear Ms***, I am responding to your concerns addressed to the Revdex.com of NE California regarding the deposit you made at the ATMAfter reviewing your case, I have been asked to further research your concernsI
apologize for the frustration you experienced when making a deposit to your account at the ATMI reviewed the recorded calls and found in your first interaction with our Contact Center the technician filed a claim on your behalf for the missing depositAt that time, she stated that someone would be out to repair the machine and your account would be credited in the next few daysThis information is inaccurate as the credit would actually occur at the time the deposits are retrieved from the ATM and delivered to the corporate office or when the claims team issues provisional creditThe claim filed was processed on May 12, and provisional credit was applied to your accountThe claims team was then notified the check was received and made the provisional credit permanent on May 13, The PG & E debit was paid on May 12, and all fees accessed to your account with regards to the missing deposit have been reversedYour online banking access was never disabledHowever, an updated email address is required per the agreement to use this serviceYou can call or email *** ***, Manager of Card Operations directly at (916)*** or ***@golden1.com with your new email address and she will make the update to the account on your behalfWe recognize that you have many choices when it comes to financial services and we appreciate your decision to place your business and trust with Golden Sincerely, *** *** Vice President, Account Services

February 22,
*** ***
*** *** ***
*** *** ** ***
Dear Ms***,
We received your complaint filed with the
Revdex.com on February 15,
To summarize, you indicate Golden submitted
three
credit report inquiries for the same applicationYou state you were informed
the inquiries would be removed; however, as of February 15, 2018, the inquiries
remain on your reportYou are requesting removal of these inquiries.
We conducted research and found that two of the
inquiries are valid as they were in connection with applications submitted on
December 02, and January 13, Our records indicate the application submitted
in December expired before the card could be openedReview of the second
application, confirmed an issue verifying your consumer fraud statementFollowing
your discussion with *** on January 16, 2018, a second credit report was
pulled in order to verify the updates you requestedAs the updates were not
yet applied to your report, we submitted a request to *** to remove the
second inquiry made on January 18, Please allow up to days for this
change to reflect on your credit report
I am pleased to see that we were able to
fulfill your request for a credit card and thank you for bringing your concerns
to our attentionBecause we value your membership, we apologize for any
frustration or inconvenience this matter may have caused
Sincerely,
*** *** | Channel Administration
Golden Credit Union
E ***

I am rejecting this response because:I WAS NOT TRYING TO WIRE TRANSFER MONEY TO ECUADOR! But that was a NICE DUCK!I was Writing checks to transfer the money to HERE in Ecuador!You evidently do NOT KEEP Good Records EITHER!CC -- House File --

October 15, 2015*** *** ***
*** *** *** *** **
*** *** ** ***Dear *** ***,I am writing in response to your rebuttal sent to the Revdex.com on October 08, I understand you are dissatisfied with our response. You claim you did not make a mobile deposit and the transaction that reopened your account was an ACH deposit from Cash Net.We have doubled checked our facts in the previous correspondence and we confirmed there was a mobile deposit posted to your account on September 22, 2015, in the amount of $1,186.10, which we have a copy of in our possession. As stated previously, an ACH deposit from *** was the cause of reopening your account. We do not see an ACH deposit from Cash Net.We have been unsuccessful in reaching you by phone. Please call *** *** at *** or e-mail her at ***, so she may discuss your concerns regarding the account activity that caused your checking account to be reopened and then become overdrawnWe genuinely appreciate you taking the time to share your thoughts and concerns regarding your experience with your checking accountSincerely,*** ***Vice President, Account Services

June 10,
*** *** ***
1*** *** **
*** ** ***
Dear *** *** ***,
I am responding to the complaint you sent to
the Revdex.com dated June 7, regarding the denial of debit
card access privileges
on your checking account.
On May 31, a Golden *** debit card
was issued to you by our Madera branch.
After an audit was performed it was found this card was issued in error
by the branch. It was during this audit
we found multiple cards had been issued over the past few years, each
consistently reported by you as lost or stolenEach claim associated with your reports has
been reimbursed back to you in full. On
June 7, this new card was closed to protect your account and the credit union
from any further misuse.
A review of your account history shows a
continued pattern of difficulty on your part maintaining the security of your
card and the confidentiality of your secret PIN number.
9/30/2013:
Reported card lost or stolen and the PIN stolen along with the cardA new card
was issued12/14/2013:
The replacement card above was reported lost or stolen along with the PIN and a
new card issued.5/05/2014: The replacement card above was reported lost
or stolen with the PIN and a new card issued.
9/25/2014: The replacement card above was reported lost
or stolen along with the PIN and a new card was issued. 12/31/2014:
The replacement card above was reported lost or stolen with the PIN and a new
card was issued. 2/02/2015: The replacement card above was reported lost
or stolen along with the PIN and a new card was issued. 5/04/2015:
The replacement card above was reported lost or stolen along with the PIN and
new card was issue. During an account
history audit on this reissued card, your pattern of card loss along with the
compromise of your PIN was discovered, therefore the card issued 5/4/was
closed to prevent further loss to you and the credit union.
Between September 30th, and
May 4th, you repeatedly maintained your PIN with your debit, both
of which were lost and stolen seven times resulting in a loss to the credit
union of $3,in fraudulent transactions reimbursed to you. Storing your PIN with your debit card is a
violation of the Golden Account Agreement which has resulted in the
revocation of your card access. All ***
debit cards are nontransferable and are the property of Golden 1. The credit union may cancel, modify, and
restrict the use of any card upon with or without notice
You indicated in the complaint an amount of
$be refunded back to your account from last year. We have no claim on file for this amountPlease
contact our Card Investigations Team directly at *** option 1, extension
*** so we can assist with this portion of your claim
We recognize that you have many choices when
it comes to financial services and we appreciate your decision to place your
business and your trust with Golden
Sincerely,
*** ***
Vice President, Account Services

February 1,
*** ***
*** *** ***
*** ** ***
*
Dear Ms***,
We received your
complaint filed with the Revdex.com on January 31,
In summary, you believe
Golden Credit
Union failed to provide *** claim documentation to *** *** *** after making multiple requestsIn addition, you state that
you are being charged interest on the remaining balance of $8,You want
Golden Credit Union to provide proof of payments, the documents sent to
*** *** ***, and the interest waived from October to current.
We have investigated
your inquiry and concluded the appropriate action was taken when providing the
*** claim documentation to *** *** ***Golden faxed the
completed *** documents to *** *** *** on November 29, to
the following fax number: *** *** The fax confirmation, that was sent
successfully, is included with this response.
We also mailed the *** documentation to *** *** *** on
November 29, to the following address: *** *** *** *** *** ** ***. The documentation mailed to *** *** *** is also included in this responseIn addition, we have included the
payment history from the origination of the loan to insurance payoff
As a courtesy, we have reimbursed
$as a onetime accommodation for the interest paid in November This
amount was credited to your Auto Loan on February 8,
Thank you for bringing your concerns to our
attentionIf you should require any additional information or assistance
relating to your complaint, please do not hesitate to contact me directly at
*** ***
Sincerely,
*** ***
Manager, Consumer Loan Servicing
Golden Credit Union

I am rejecting this response because: The Golden One Credit Union did not follow their Funds Availability Policy for checks deposited over $5, Checks deposited over $5,are supposed to have a longer delay to verify the availability of funds The delay was supposed to be nine business days for Golden One to notify of the availability of fundsHad Golden One honored the longer delay for check deposit verification, the amount in discrepancy would be only $ They did not notify the account owner that no funds were available because they did not enforce the longer delay for a check deposited over $5, Please have the Golden One review the policy for longer delays in verifying funds available for checks over $5, The customer should not be responsible for the credit union's failure to comply with its own check cashing policy

May
11,
*** * ***
*** *** *** ** *** **
Sacramento,
CA
Dear
Ms***,
I am writing in response to your correspondence
with the Revdex.comTo summarize, you have concerns regarding deposits
that
initially posted to your account, but were subsequently withdrawn
Your correspondence concerns five separate
deposits to your account, each in the amount of $650. Each deposit was made in error. These deposits came through electronic BillPay
and were intended to post to another member’s account. However, the person conducting the
transaction identified the wrong account number, resulting in the funds posting
to your account number instead. When the
error was discovered, Golden withdrew the value of the funds involved
($3,250) from your account and posted them to the correct account.
Neither you nor
Golden was at fault for these transactions.
We regret if for any reason you were made to feel as though you were
somehow at fault. We genuinely
appreciate you taking the time to share your thoughts and concerns regarding
your accountWe strive to provide our
members with quality service and we apologize for the inconvenience you
experienced. If you have any further
questions, you may contact *** ***, Item Processing Manager, at ***
Sincerely,
*** ***
Vice President, Account
Services

I am writing in response to your rebuttal received on January 12, regarding Golden Credit Union's response to your December 27, letter requesting the return of $that was offset from your account.Unfortunately, Golden Credit Union will not refund the $that we offset from your checking account to partially alleviate the negative shares account.As a joint member, you are responsible for all checks that are checks that deposited to your accountYou are also responsible for ensuring you always have sufficient funds in your account when you write checks, even if a stop payment was issued on a check that was deposited into your account.After the $check was deposited, we made the funds available due to your long history as a memberSince September 1, there were multiple transactions that occurred on your account that used the available $check was returned to Golden as a Stop Payment by US Bank, which caused your account to be in negative status and must be brought current.If you have any additional questions please do not hesitate to contact us.Sincerely,Member Care ManagerGolden Credit Union

March
3,
*** *** ***
*** *** *** ***
*** *** ** ***
Dear
*** ***:
We are in
receipt of the form you recently submitted to the Revdex.comIn
the form, you stated that a payment was incorrectly sent to
*** *** *** *** on February 2, We want to apologize for any inconvenience that
this has caused you
We reviewed
your bill payment history and confirmed that the payment to *** *** *** *** for account *** was sent in accordance with the instructions
entered on the bill payment systemIt is the member's responsibility to ensure
all biller information is accurate when scheduling a paymentThe bill pay
service does not validate the biller account number entered
As
a courtesy, we have credited $to your Golden account to offset the late
fee you incurred with *** ***We also contacted Golden State
Water Company in order to initiate a refund; however, we were informed that
this payment was credited to an open account you currently have with this
biller, account ***In order to initiate a refund, *** *** *** *** is requiring that you contact them directly
If
you have any questions or additional concerns, please feel free to contact us
We again apologize for any inconvenience you have experiencedWe know you have
many choices for your financial services needs and we appreciate that you have
chosen Golden
Sincerely,
*** ***
Vice
President, Account Services
Golden
Credit Union
***
***

We are in receipt of your rebuttal to our response sent through the Revdex.com and the complaints submitted through the Department of Business Oversight and Consumer Financial Protection BureauWe have performed additional research and will respond to each of your points belowAdditional research was performed in light of the information provided in your rebuttalThe printout provided by our branch staff does not reflect that the loan was paid in full, but rather that it was transferred to another account as documented in the comment listed directly below the most recent transactionWe confirmed that our branch indeed made an error by not updating the new address you provided on September 6th to your other accountsThis error caused the late notices issued on the past due loan to be issued to the P.OBox address in LemooreThese late notices were not returned as undeliverable, so our institution was not aware that you had not received the noticesTo address your comments concerning our failure to contact you; our Member Care department began calling efforts just before the loan was days past dueIn total, calls were placed between November 4th and December 30th to the home number listed on the account ending in ***On different occasions, a male answered and provided a number ending in *** to contact you directlyI have confirmed that this is the same number you provided on September 6th for your individual accountAttempts to reach you at that number were unsuccessful until December 27th With the additional information concerning your change of address and other possible lapses in service, we have decided to suppress history reporting to the credit bureaus for the October and November paymentsThe action will not show that those months are in a negative or positive standing; this will simply clear the previously reported information? Credit Union P.OBox ***, Sacramento, CA 95826-goldenl.com We are not able to determine the exact impact the suppression will have on your credit score; however, the negative reporting will no longer be listedThe directive to suppress reporting has been submitted to Experian, Equifax, and Trans UnionPlease allow up to days for the change to reflect on your respective credit reportsWe have also credited the two remaining late fees, totaling $96.72, back to your loanI hope that the recent actions we have taken address your concernsWe look forward to restoring your faith in Golden during future interactions

I am rejecting this response because:
I disagree that the sentence they show was in my advertisement that was mailed to meI did not see anything that states that, as you can see the wording in that sentence is vague and the one before that which is the ACTUAL offer and rates for the credit card is where the "criteria" should have been locatedAgain please rescind the credit inquiry that you madeI would have never went for something like that, your business practices are very sneakyThat is what I want
*** ***

December 28,
*** ***
Crockett Road
Auburn, Ca
Dear Mr***,
As per our conversation, on December 22, 2016, we have refunded your
appraisal fee in the amount of $and placed the funds into your
checking
account ending in ***794. In your
complaint filed with the Revdex.com you describe your recent
experience with the Home Loans Department at Golden Credit Union. Your feedback is greatly appreciated as it
helps us to improve the service we provide to our members.
Again, I would like to apologize for the service you received as outlined
in your letter and discussed in our phone conversation. We strive to exceed our members’ expectations,
and it sounds as though we did not do that in this situationAdditionally, we
have discussed your concerns regarding the appraiser and his conduct with our
appraisal vendorWe do monitor third-party vendor performance and value this
information
Thank you, again, for sharing your concerns regarding your experience. I hope that you will continue to consider Golden
for your future financial needs
Sincerely,
*** ***
SrFulfillment Manager, Home Loans Department

Please see attached. -Thank you-

February
23,
*** ***
*** *** ***
*** *** ** ***
Dear
Ms*** ***:
We
received your complaint filed with the Revdex.com on February 17,
In
summary, you state your most recent vehicle loan payment was returned without
explanation, and you are concerned this action will negatively impact your
credit scoreIn addition, you maintain branch locations will only accept cash
payments, although you have been advised payments can also be made via
***You ask that the Credit Union accept your February payment,
and waive any associated fees
Review
of your account confirm the vehicle was due for repossession on or around
November 21, 2017. The account was
reinstated on or around November 24, 2017.
The Credit Union rejected your February payment in error, as we
failed to remove the account restrictionThe error has been corrected and all
restrictions removedAny late fees associated with this error will be
reversed
Thank
you for bringing your concerns to our attentionWe apologize for any
inconvenience this error has causedIf you need further assistance regarding
this matter, please do not hesitate to contact me.
Respectfully,
*** ***
Manager Member Care Support
Golden Credit Union
***

I am rejecting this response because: I understand your Credit Union Bank policy of $fee for each amount over $and is not what is going on I’ve been charged $ numerous times based on my non- sufffient balance just minutes before my Direct Deposit is scheduled I have banked else where before and am aware the my payroll closes the Friday before and the funds belong to me , unless I opt for a paper checkI am also not the only Central Valley customer being taken advantage of by your overdraft practice, but I am letting you know it is going on and I am not satisfied with your expectations You also admitted to reversing the $fee, way back in November of ! This clearly shows money is your priority and not the community costomer! There was also no satisfactory explanation as to why it’s not possible to have “protection” line of credit under $for example: All but one checks combination has never exceeded a total of $except a $check to my relative that was refused by your Bank

August 11,
*** ***
*** *** *** ***
** *** ** ***
Dear Ms***,
Thank you for taking the time to contact the Credit Union concerning
your accountMember comments such as yours allow us the opportunity to
evaluate the
level of service provided across the organization
I am writing in response to your correspondence with the RevDex.com regarding your overdrawn accountYour correspondence was forwarded to
the credit union on August 5, 2016, for response and resolution
From your letter, we understand you are writing in regards to your
checking account being closed and subsequently reported to ***As of
June 16, 2016, your fees were paid in full and *** was updated to
indicate a “Paid in Full” statusAt this time, we are not able to remove your
name and account information from *** due to your account being
charged-off, which results in membership expulsion. Membership expulsion results in the closure
of any accounts you are primary or joint on
If you would like to appeal the expulsion of your membership, and avoid your
joint accounts being closed, please write a letter of appeal and mail to:
Golden Credit Union
Attn: Member Care
*** *** ***
*** ** ***
We genuinely appreciate you taking the time
to share your thoughts and concerns regarding your account
We
apologize for the inconvenience you experienced and value your membership
Sincerely,
*** ***
Vice President,
Account Services

Hello,I have seen an update in my account they took the amount from my account without my authorization !!!!Best Regards,***

Revdex.com:
I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me
My wife and I have enjoyed a great relationship with our local Golden branch Credit Union here in Auburn, California I think we were expecting the same great service from the home loan division that we had received from our branch office When that good service didn't happen, we felt rather let down and we did want to make a point regarding our dissatisfaction First, I want to thank the Revdex.com for providing a platform for consumers to voice their concerns Secondly, I want to thank Golden for the gracious and classy manner in which our complaint was handled I feel like we were listened to and hopefully our experience will help future customers with the paperwork and appraisal process necessary to applying for a home loans.Thank you, *** ***