Turn Key Service Tech, Inc.

September 21, 2015[redacted] [redacted] Dear [redacted] I am writing in response to your rebuttal sent to the Revdex.com on September 16, 2015. We understand you are dissatisfied with our response and state that the amount owed is $ 65.00. Upon conducting further research it was discovered that the current amount owed is $ 355.00.  Small deposits were made to the account that has reduced the original amount owed.  Please call us at your earliest convenience so we may discuss your concerns regarding the account activity that eventually caused your checking account to be closed.  We genuinely appreciate you taking the time to share your thoughts and concerns regarding your experience with your checking account.  Please contact [redacted]z at [redacted] or email her at [redacted]. Sincerely, [redacted]

March
27, 2018
[redacted]
Dear
Mr. [redacted],
 
 
We received your rebuttal filed with the RevDex.com on March 26,
2018.
 
To summarize, you have
rejected Golden 1’s original response, as you state a representative advised the
existing Annual Percentage Rate would remain in effect for life. You are asking
for the reinstatement of the [redacted] credit card with a permanent APR of 10
percent.
 
The Credit Union reserves the
right to change the rate on your credit card as outlined in our credit card
agreement. There are specific requirements for making these changes such as
notifying you 45 days in advance and protecting your existing balance at the
current rate for the life of the balance. The new rate would affect any purchases made
after the effective date, if you choose to keep your card. In your case, it
will be April 21, 2018.
 
We no longer offer a product
with a fixed or non-variable rate and therefore are unable to meet your
request.
 
If you require additional
information call us at [redacted]).
 
Thank
you for bringing your concern to our attention. 
 
 
Sincerely,
 


















 
[redacted]
Senior
Vice President, Service Operations
Golden
1 Credit Union

March 22, 2016
[redacted]             
[redacted]   
[redacted]
Dear Mrs. [redacted],
I am writing in response to the compliant that you filed
with the Revdex.com...

(Revdex.com) on March 16, 2016. 
I wanted to let you know that at Golden 1 we do our best
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 would indicate if they are potentially fraudulent.  We have to count on our members to question
these circumstances.
There are many scams that prey on individuals, such as
yourself, and we will do what we can to assist you through the process but we
are not able to credit you money for a fraudulent check.  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]..
Useful links for more information on mystery shopping and
scams:
[redacted]You may also wish to visit the Mystery Shopping Provider's Association
(MSPA) website at [redacted] 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]
VP, Account Services

June 22, 2017
 
[redacted]
Victorville, CA 92394
 
 
Dear Mr.
[redacted],
 
We are in
receipt of your rebuttal to our response issued through the RevDex.com on June 21, 2017. To summarize, you believe the response provided by the
Credit Union contained incorrect information and ask that proof is provided for
the inquiries on your credit report. 
 
We have reviewed
your call with a Member Solutions representative on May 31, 2017. During your
call, an application was obtained for a Personal and Vehicle loan.  The employee obtained your permission to
access your credit report before beginning the applications.  You discussed a Personal loan in the amount of
$4,000 with a repayment term of 48 months. 
When entering the application, the employee made an error and entered the
amount of $48.00, instead of $4,000.00. We confirmed the application for the vehicle
loan was entered shortly after for the amount of $5,057.55. 
 
On June
1, 2017, Valley Hi Kia submitted two vehicle loan applications to Golden 1
through the Credit Union Direct Lending (CUDL) program. Both applications
containing your personal information, were submitted for the purchase of a 2013
Honda Odyssey. Our records indicate the loan amount on the applications were , $19,204
and $11, 527.  The original credit report
obtained through Experian on May 31, 2017 was used to process the applications.
 
We have
confirmed only 1 credit report was obtained and used for our decisions on all
four aforementioned requests to extend credit. 
Based on our decisions, separate Adverse Action notices were mailed to
you, which contain detailed information of each loan, as well as the reason for
denial. 
 
We have re-confirmed
that our one inquiry complied with the permissible purpose provisions of the
Fair Credit Reporting Act. Thank you for bringing your concerns to our
attention.
 
 
Sincerely,
 
 [redacted] | Channel Administration
Golden 1 Credit Union
[redacted]

August 11, 2015 [redacted] Dear Mr. [redacted] Thank you for sharing your experience with us. The privacy policy presented to you through online banking on Sunday, August 9, 2015 (dated March 19, 2014) is not the current version of the...

Golden 1 Privacy Policy and was presented to you in error. The incorrect policy has been removed and you should now be able to access and make payments from your online banking account.  Your privacy is important to Golden 1. Our current Privacy Policies (revised 07/15) can be found on our website at www.golden1.com/PrivacySecurity for members to review at any time. This page also provides information about how you can exercise your right to restrict the sharing of your personal and financial information. For your convenience, Golden 1 offers the ability to opt-out electronically. Simply visit [redacted] and click the California Privacy Act link at the bottom of the page. Then follow the instructions on the screen to submit your selection. Thank you for your many years of membership. We apologize for the inconvenience this has caused you and we appreciate being given the opportunity to correct the situation.  Sincerely,  [redacted]Vice President, Chief Technology OfficerGolden 1 Credit Union

May
26, 2017
[redacted] [redacted] 
Sacramento,
CA 95834
 
 
Dear
Ms. [redacted],
 
I am writing in response to your rebuttal with
the Revdex.com received on May 25, 2017.  To summarize, you would like to arrange a
payment plan with Golden 1 for the remaining balance of $2,123.86.
 
On Thursday, May 25, 2017, you had a
conversation with [redacted], manager of Item Processing. You acknowledged your
responsibility to pay back the funds erroneously deposited to your account and subsequently
withdrawn by you. During the call, a
request was made to arrange a payment plan.
 
In an effort to assist, Member Care representative
[redacted] attempted to contact you the morning of May 26, 2017, and
left a message.  For further assistance
with your payment plan request, please contact [redacted] at [redacted].
 
We apologize for any
frustration this matter may have cause.
 
 
Sincerely,
 
 
 
[redacted]
Vice President, Account
Services

It was there policy to offer a life time rate of 10% on the [redacted] Card as long as I was a member....they have all the information on this and should be able supply you with it..if not I will take it to my lawyer

February 6, 2018
 
 
[redacted]
 
 
Dear Mr. [redacted],
 
We received your
complaint from the Revdex.com on February 5, 2018.
 
In summary, you...

believe
Golden 1 Credit Union failed to recognize a counterfeit check deposited into
your account via mobile deposit. As a result, funds were made available to you.
You then sent money to a third party via [redacted] for $1,850 (the same amount as
the deposited check). Prior to sending the money via [redacted], you recognized that
the check was possibly the result of a scam, but you maintain that when
verbally threatened by the subject who provided you with the counterfeit check,
you sent the money back to him using [redacted]. You then filed a claim with Golden
1, advising Golden 1 that the transaction was not authorized. You assert the
Golden 1 mobile application did not function properly, as the funds should not
have been made available to you, considering the check was ultimately deemed counterfeit.
You would like Golden 1 to reimburse you $1,850 for the [redacted] transaction.
 
Golden 1 Credit Union
has concluded the appropriate action was taken when your claim for the [redacted]
transaction was denied. In this circumstance, you deposited a check into your
account from an unknown person for $1,850 that was later returned as
counterfeit. As a member, you are responsible for the items you deposit into
your account. As part of that process, Golden 1 makes funds available to you
because you have represented the item you have deposited into your account as authentic
and will be honored by the financial institution that it is drawn from.
 
Had you advised us of
the possibility that the check was counterfeit, at the time you first suspected
such, and prior to you sending money back to the fraudster, we could have
assisted you so that you would not have suffered a financial loss. The check
would have naturally returned as counterfeit and not cleared the account.
Filing a claim for the [redacted] transaction was not an appropriate recourse for
you as the transfer was initiated by you. Only after the transaction was
completed did you advise Golden 1 that you might have been the victim of a
scam.
 
I left you a voice
message to speak about this matter further. If you are so inclined, please feel
free to call me at your convenience. You can reach me directly at [redacted].
 
Sincerely,
 
 
 
[redacted]
Senior Manager, Financial
Investigations
Golden 1 Credit Union