Turn Key Service Tech, Inc.

Please accept our response to Mr. [redacted]Thank you, [redacted]Dear Mr. [redacted]I am writing in response to the compliant that you filed with the Revdex.com (Revdex.com) on October 3, 2015. I wanted to let you know that the individuals that you are referencing are not associated with Golden 1...

in any way. Unfortunately, what you are, is a victim of individuals providing counterfeit Golden 1 cashier’s checks to people, such as yourself, as payment for some type of service. This is known as a ‘Secret Shopper’ scam. Suggested steps to take if you have been scammed:? Contact your local police department to file a report? File a report with the Internet C[redacted] at [redacted]? File a complaint with the [redacted] at [redacted]Useful links for more information on mystery shopping and scams:? [redacted]? [redacted]? You may also wish to visit the [redacted]) website at [redacted] shoppers for a list of reputable mystery shopping companies.We understand your frustration. I hope that you find the information in the above links helpful.Sincerely,[redacted]
[redacted]

We received your complaint letter dated April 6, 2016 regarding the repossession and sale of your 2007 [redacted] Patriot. Your letter makes the following allegations: Golden 1 failed to provide adequate written notice of intent to dispose of a motor vehicle.Golden 1 failed to provide adequate...

notification of your right to redeem the vehicle.Golden 1 failed to provide written notice that you would be responsible for any remaining deficiency balance after the sale of the vehicle.Golden 1 acted in a commercially irresponsible manner regarding the sale of your vehicle.Golden 1 incorrectly reported your account date to the credit bureaus. Our records indicate on December 17, 2013 you spoke to a representative to arrange the voluntary surrender of your vehicle. The notes state we discussed the deficiency balance process and informed you that you would be responsible for any remaining balance after the auction sale of your vehicle. On January 1, 2014 your vehicle was voluntarily surrendered to Golden 1. On January 3, 2014 a Notice of Intent to Sell Property (NOITS) was sent to the address on your account via registered mail (enclosed). You signed for the NOITS. The NOITS clearly provided notice that: 1) Golden 1 intended to sell your vehicle; 2) you had a right to redeem prior to the sale deadline; 3) you would be responsible for any remaining deficiency amount. On January 28, 2014, your vehicle was sold at an auction in a responsible manner. When you purchased your vehicle it had 51,000 miles and [redacted] value was $16,052; more than your loan amount of $15,034.52. Your car was sold at auction with 149,572 miles. The wholesale value of your car at auction was $3,775, but the final sales price obtained was $5,100, which was applied against your outstanding amounts owed. On March, 12 2014, Golden 1 mailed to you a deficiency balance letter (enclosed) that itemized the sale of your vehicle and how proceeds were applied to you loan balance. You are still responsible for the deficiency balance of the vehicle consists of $7,784 in principal, as well as $161 interest and $530 in repossession costs. Golden 1 verified your account is being reported correctly to the credit bureaus. Further, the credit union is required to report accurately to the credit bureaus, so it cannot delete the trade line as requested. The handling of your account is consistent with our policies and all regulatory requirements. If I may be of any further assistance, please do not hesitate to contact me. Sincerely,[redacted]Manager Member Care SupportGolden 1 Credit Union[redacted]

September
21, 2017
[redacted]
Dear
Ms. [redacted].
 
We
received your complaint filed with the Revdex.com on September 15,
2017.  To summarize, you maintain that
you provided your email address to...

Golden 1 for the purpose of receiving security
alerts related to your account.  You do
not want Golden 1 to send you emails relating to Golden 1 member benefits such
as discounted [redacted] tickets.   
 
We
have removed your email address from future communications relating to Golden 1
member benefits.  Please be advised, you
will continue to receive servicing messages relating to your account, including
security alerts for your account.
 
Thank
you for bringing your concerns to our attention. 
 
 
Sincerely,
 
 
Golden
1 Credit Union

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.

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. "As long as they removed me from the ad 'I am fine'"

I am rejecting this response because:  I never authorized forgive somebody authorization to withdraw that money from my account and I did not know that Chuck was counterfeit if I would've known I would've never deposited that check and I demand that my restrictions be taken off so I am demanding that money back I never authorized somebody to do a reversal on my account  and I want to file complaint against a girl that violated my hippa  at the fig garden branch as well

March
22, 2017
 
 
[redacted]
[redacted]
San
Jose, CA 95116
 
 
Dear
Mr. [redacted],
 
I am writing in response to your correspondence
with the Revdex.com (Revdex.com), your complaint was sent to Golden 1
Credit Union on...

March 16, 2017 for response.
 
To summarize your statement to the Revdex.com, on March
15, 2017 you performed a cash deposit at a Golden 1 Credit Union ATM located at
500 Golden Gate Avenue, San Francisco. The ATM accepted the cash after several
attempts then failed to credit your account at Alliant Credit Union. When you
contacted our Member Service Center, we referred you to your financial
institution for resolution.
 
ATM deposits through the CO-OP Network are
governed by rules to protect credit unions and members.  In the event there
is an error, your credit union, in this case Alliant Credit Union will contact
Golden 1 on your behalf.  As the depository institution receiving the ATM
deposit, Golden 1 is not able to credit your Alliant Credit Union account in
the case of an error.  For these reasons, you were asked to work with your
credit union for resolution.
 
We do appreciate your feedback regarding the
service issue you experienced with our ATM and have addressed this with our ATM
servicer.
 
If you have further
questions or concerns regarding this matter, please feel free to contact me
directly at
[redacted].
 
Sincerely,
 
 
[redacted]
Vice
President, Account Services

Dear Ms. [redacted],We received your complaint letter dated April 29, 2016 with the Revdex.com regarding credit reporting on your credit card account ([redacted]) and your automobile loan ([redacted]).As you indicate, your credit card account should reflect as settled and your automobile loan should...

reflect as an active trade line. Due to a clerical error, your automobile was inadvertently coded as settled.We have sent updates to the major credit reporting agencies to reflect the following:Credit card ([redacted]) - Account was a charge-off / Account paid in full for less than the full balance;For the auto loan ([redacted]), we will remove the settled status, so that the account will report as an active trade line and will accurately reflect your payment history.Please allow 30 to 60 days for these changes to be reflected but be assured we will continue to monitor the trade lines to ensure that the corrections have been accepted by the bureaus.I apologize for any inconvenience this has caused you. Thank you for bringing your concern to our attention and we look forward to assisting you in the future with your financial needs.Sincerely,[redacted]Manager Member Care SupportGolden 1 Credit Union[redacted]

February 23, 2017
 
[redacted]., Apt 7
Roseville, CA 95661
 
 
Dear Mr. [redacted],
 
On
February 15, 2017, we received your complaint filed with the RevDex.com and has been forwarded to me for review and...

response. In your complaint,
you stated you were having a problem reaching someone in our Member Service
Contact Center to assist you with being locked out of the online banking
system. You also stated you experienced bad customer service at one of our
branch locations.
 
On
February 16, 2017, I understand you were able to speak with one of our Member
Advocates to address the above-mentioned issues. As a result, we were able to
assist you in accessing your online banking and provided you with the Contact
Center hours of operation for future reference.
 
I have
shared your concerns with the Regional Management team so they may address the
experience you received at the Roseville Branch.  Additional training and coaching will be
provided as needed. Thank you for bringing your concerns to our attention and
because we value your membership, we apologize for any frustration or
inconvenience this matter may have caused.  
 
 
 
Sincerely,
 
 


















[redacted] | Channel Administration
Golden 1 Credit Union
E  [redacted]@golden1.com

September 8, 2017
  
 
[redacted]                 
[redacted]
  
 
Dear
Mr. [redacted],
 
I am writing in...

response
to the compliant you filed with the Revdex.com (Revdex.com) on August 21,
2017 regarding counterfeit items you deposited to your Golden 1 account and
subsequently withdrew the funds.
Golden 1 makes every
effort to protect our members from fraudulent activities. Our staff cannot know
when a check, that appears to be legitimate, will be returned. It is usually
the circumstances around the checks being provided to our members that indicate
if they are potentially fraudulent. As the accountholder, you are responsible
for all items you deposit into your account.
There are many scams that
prey on individuals, such as yourself, and we will do what we can to assist you
through the process. It does not appear that you suffered a financial loss as a
result of this scam. The Senior Manager of Financial Investigations has
attempted to contact you to clarify the situation; however, you have yet to
return his attempts. We believe that you are concerned about your inability to
use Bill Pay. When an account has been compromised it is restricted and the
member is temporarily unable to use online banking until the situation is
resolved. Also, since your account has been compromised, you will need to obtain
a new account number and re-enroll into the online banking service.
We do want to provide you
the following suggestions and information to help you going forward.
Suggested steps to take if you have been scammed:
Contact
your local police department to file a reportFile a
report with the Internet Crime Complaint Center at [redacted]File a
complaint with the Federal Trade Commission at [redacted]..We understand your
frustration. I hope you find the information in the above links helpful. If you
have any additional questions or would like to clarify your concerns, please
contact [redacted], Senior Manager of Financial Investigations directly at
[redacted], or you can email him at [redacted].
Sincerely,
 
 
[redacted]
Vice President, Account
Services

I am rejecting this response because:  I recognize that the Golden 1 Credit Union is working on a resolution with the DMV and the dealer's insurance company.  However, this has been going on since January and I still do not have the vehicle registered in my name.  I did not even aware there was an issue until I physically went into the Golden 1 branch 90 days after I acquired the vehicle.  No one from Golden 1 contacted me to let me know there was an issue with the dealer and vehicle registration.  To this day no one from Golden 1 has contacted me.  I've always had to reach out to them.  I understand the position that Golden 1 is in however, they are not the ones having to drive a vehicle with no registration.  It is my understanding that in order to legally sell a vehicle in California you either need the title or a DMV REG 227 (Application for Duplicate or Paperless Title). Neither of which was accepted by Golden 1 and a copy of a title is not sufficient.I tried to set up a meeting with someone with the vehicle loan services department at Golden 1 however, their escalation service department were very rude and refused.  They offered to forward my call to vehicle collections but I do not feel that is the best resolution.   I have done everything in my power to get this fixed but it is out of my hands.  I am hopeful that this will be resolved as soon as possible.

Thank you for taking the time to contact the credit Union with concerns about your account. Member comments such as yours allow us the opportunity to evaluate the levels of service provided across the organization. I am writing in response to your correspondence with the Revdex.com regarding an unauthorized check that cleared your account and you’re seeking reimbursement for the check. Your correspondence was forwarded to the credit union on December 12, 2016 for response and resolution. From your correspondence, we understand you were provided with inaccurate and inconsistent information when inquiring about when you would be receiving credit for the unauthorized check for the amount of $ 299.63, which was debited from your account on November 18, 2016. I sincerely apologize for you experience in trying to resolve this matter. A credit was posted to your account for the full amount of the check in the amount of $299.63. As a one-time courtesy, we reversed $29.50 for a Courtesy Pay fee that was charged to your account on December 7th, 2016. We genuinely appreciate you taking the time to share your thoughts and concerns regarding your account. We strive to provide our members with quality service. We apologize for the inconvenience you experienced and value your membership.   Sincerely [redacted] Vice President, Account Services

Please see attached:  
January 9, 2017
 
[redacted]
Sacramento, CA 95838
 
 
Dear Mrs.
[redacted],
 
Your
recent comments to the Revdex.com have been forwarded to me for
review and response. ...

Member comments
such as yours allow us the opportunity to evaluate the level of service that is
being provided across our organization. 
We apologize for the issues you have encountered over the last few
months. 
 
I have
performed a thorough review of your account and contact history as well as your
interactions with our branch staff to determine how this unfortunate situation
occurred.  The only error I was able to
identify was that the loan was not transferred to the individual account as you
requested, but to another of your joint accounts.  However, the account and loan history clearly
indicated the account number where the loan had been transferred, so it is
unclear how an employee could have missed that the loan was transferred and not
paid in full.  Furthermore, multiple
statements and late notices were mailed to the address on file notifying you of
the locations of your loan and the status. 
Due to our findings while researching this complaint, one of the late
fees charged to your loan was reversed. 
The negative credit reporting and remaining fees will remain.  A separate letter has been mailed to your
home address detailing the reasons for our decision.
 
Once
again, thank you for bringing your concerns to our attention and we apologize
that your request was not processed as you originally requested.  We value your membership and we look forward
to assisting you in the future with your financial needs.
 
 
 
Sincerely,
 
 


















[redacted] | Channel Administration
Golden 1 Credit Union
E [redacted]@golden1.com

I am writing you today regarding an ongoing dispute involving a previous loan. As I am sure you are aware, I have brought about concerns and disputes via several channels. I have received your response, dated April 13th. In response to the information you provide I insist the following: 1. The Notice of Intent to Sell Property was not received by me nor did I sign for it. If your records have evidence it was sent, it certainly wasn’t signed for or accepted by me. Perhaps it was signed for by a relative. I have seen this happen before but for future reference, I live in Elk Grove, California not Galt, California. 2. I did not receive the deficiency letter in which you make reference to. 3. I still insist the credit reporting is inaccurate. Ultimately, I suspect Golden 1 will continue to insist they proceeded responsibly and I will insist they handled it irresponsibly which does not bring a resolution to the matter. A resolution is ultimately what I seek. It is my intention to find a resolution to this whether it be with Golden 1 directly, with the assistance of involving more outside agencies, taking to social media or via litigating it. I think handling the matter privately is advantageous for the both of us in terms of time and cost. The Statute of Limitations to collect the balance in question is running down – in the event I am sued I will certainly respond. No default judgement would be acquired here. Furthermore, if a judgement was obtained – I have no wages to garnish, no assets to lien and no active accounts to levy (feel free to check public records). In the event I did acquire assets in the future, Golden 1 would likely take position behind other creditors who are also seeking repayment. In this case because of my finances, I would be forced to file bankruptcy due to my lack of ability to repay. My outstanding balances in default are in the six figures and I have another vehicle deficiency that is triple the balance of the one at Golden 1 (1 of more than 30 accounts in default). I am fully aware of the direction furnishers have been provided regarding deleting accurate trade lines and I am familiar with the many stages of disputes. I think by this point it might be clear I am not a typical consumer. I am adamant that Golden 1 is not reporting correctly and I would greatly prefer to avoid the daunting, expensive and disgustingly slow process of suing Golden 1 to prove that. I am currently already litigating matters similar to these as a defendant (feel free to check public records). Please consider the following request. Would Golden 1 settle the account for 30% of the total balance owed in exchange for considering the account fully resolved and agree to delete the trade line in full from all my credit reports as part of such a settlement? My request is far different than the sought-after “pay for delete” agreement as I am actually requesting inaccurate information be deleted for settlement. If Golden 1 has concerns about the deletion they should be able to reference that I have filed multiple credit disputes and have involved five agencies. With that said, I think it is quite obvious that inaccurate data may exist and that a deletion and settling the account would be a good business decision. I believe Golden 1 would likely be ordered to compensate me for their errors if we presented this as a case, so I feel an offer of compensation from me to Golden 1 is more than fair and equitable. The case numbers for my filings with the five agencies I reference are below. Thank you for your time. Sincerely, [redacted]

[redacted]
[redacted] [redacted]
Fresno,
CA  93704
Re:         Credit
Card ending in [redacted]
Dear Ms. [redacted],
 
On June 5,
2017, we received your complaint filed with the RevDex.com. This letter is in...

response to your complaint. To summarize,
you are concerned that Golden 1 has not posted payments that you have made and
therefore incorrectly reported information to the major credit reporting
agencies.  As a result,
an
in depth review of the payment history and the information reported
to the major reporting agencies has been completed.
Our
records indicate that there were no payments made between
July 5, 2016 and September 21, 2016, on the credit card referenced above. This resulted
in the reporting of a 30-day late payment to the three (3) major credit-reporting
agencies.  We have reviewed your other accounts
and are unable to identify the $1,000 you state was misplaced.  We also reviewed our complaint logs and are
unable to identify any previous claims filed by you or on your behalf.  I attempted to contact you at the telephone
number provided but I was unable to reach you. In addition, I was unable to leave a message
because the voicemail box was full.
 
We are happy to review any additional documentation
you may have to assist us with our review, such as a copy of a cancelled check.  To proceed, please send the items to me
directly at the address provided at the top of this letter. Additionally, if you would prefer to discuss
this matter by phone, feel free to contact me directly at [redacted].
 
 
Sincerely,
 
 
 
[redacted]
Golden 1 Credit Union
Manager, Consumer Loan Servicing

Please see attached.

December 19,
2016
 
Ms. [redacted]
Auburn, California 95603
 
 
Dear Ms. [redacted]:  
 
This letter is in response to the request that you
submitted to the Revdex.com regarding your 2010 Toyota Camry auto
loan. You requested you would like the automated phone messages regarding the
payment of your loan to stop. Please
accept this letter as confirmation that your loan account has been removed from
the automated phone message system and any future collection calls will be initiated
manually by a Golden 1 representative.
 
As a reminder, your auto loan payment in the amount of $104.63
was due on November 25, 2016.  Unless
requested in writing, Golden 1 Credit Union will attempt to call you manually, while
your account remains in a past due status.
 
Golden 1 Credit
Union apologizes for any inconvenience this may have caused you.  Thank you for bringing your concern to our
attention. 
 
Sincerely,
[redacted]
Manager, Member
Care
Telephone:  [redacted]
E-mail: l[redacted]@golden1.com
 
 
 
 
 
 
 
 
 
December 23, 2016
[redacted]
Auburn, CA 95603
 
 
Dear Ms. [redacted],
 
The RevDex.com forwarded us additional information on December 16, 2016 in
regards to a transfer of funds from your account and removal from the Courtesy
Pay Program. Your correspondence was forwarded to me for response and
resolution.
 
A letter was sent notifying you that your
account ending in [redacted]695 was no longer eligible for the Courtesy Pay Program. Periodically
we perform systematic reviews of the Courtesy Pay Program to verify each
account still meets the eligibility requirements of the program.   Due to your loan being delinquent more than
30 days, your account was no longer eligible for this program. 
 
On December 15, 2016 a transfer was made from
your checking account in the amount of $93.29 and placed on the loan to bring
it current.  This action in turn
re-qualified you for the Courtesy Program. 
 
Your auto loan is now current and the payment cannot
be reversed. As a courtesy we have reimbursed the $29.50 ACH insufficient funds
fee and placed it back into the checking account. 
 
We genuinely appreciate you taking the time to share your thoughts and
concerns regarding your account. We strive to provide our members with quality
service. We apologize for the inconvenience you experienced and value your
membership.
 
 
Sincerely,
Kathy Flynn
Vice President, Account Services

Dear Mr. [redacted], I am writing in response to your wife’s correspondence with the Revdex.com regarding the automobile loan for your 2008 [redacted] Frontier. Your correspondence was forwarded to the Credit Union for response and resolution. Please accept this...

letter as confirmation of our conversation on Tuesday, June 21st that your loan is currently due for the August 2016 payment. On June 3rd the following payments were reapplied: May 2016 payment was reapplied to your loan effective May 19th June 2016 payment was reapplied effective May 25th When the July payment was received, it was applied to your loan but it did not advance your due date. This was a result of our payment application hierarchy which prevents the due date from being advanced more than 60 days. As we discussed, we manually advanced your due date as a one-time courtesy making your next payment due for August 10, 2016. We have also reviewed your account to ensure no negative information has been or will be reported to the major reporting agencies as a result of the above referenced circumstance. I apologize for any inconvenience this has caused you. Thank you for bringing your concern(s) to our attention and should you need any additional information and/or validation, please do not hesitate to contact me directly at [redacted] ext. [redacted]. Sincerely, [redacted] Golden 1 Credit Union Manager, Consumer Loan Servicing

November 1,
2016
 
 
 
[redacted] [redacted]
 
 
Dear Mr.
[redacted],
 
 
 
We are
responding to your concerns addressed to the Revdex.com about your
Student [redacted]...

account.  Your
correspondence was forwarded to me for response and resolution.
 
We reviewed
the call and the information you were provided by a Golden 1 representative and
found it to be inaccurate.  We apologize
for the miscommunication; the individual has received training and coaching.
 
Per your
request, we removed the trade line from your credit report which should take
affect at all credit bureaus in 5-7 business days.
 
We do 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 1.
 
If you have
further questions or concerns regarding this matter please feel free to contact
me directly at [redacted].
 
Sincerely,


















[redacted]
Vice
President, Account Services

I am rejecting this response because: based on false statements regarding my giving permission to Golden One Credit Union for any other application than the request for personal loan ($5000) and refinancing loan for the [then] current loan ($5600) of which only one exact amount is properly reflect. The statements made by this credit union are completely false and I challenge them to prove otherwise!.