July 20, [redacted] Dear [redacted] , I am writing in response to the compliant that you filed with the Revdex.com (Revdex.com) on July 16, regarding the title and registration on the vehicle in which you have a loan with Golden I wanted to let you know that we have been diligently working to get this issue resolvedAs you are aware the title that we accepted in good faith did turn out to be alteredWe are working with a Department of Motor Vehicles Investigator as well as contacting the insurance company for the dealership to either get a perfected title/registration or proceeds to pay off the loanWe understand your frustration and are doing our best to get this resolved as quickly as possibleI am very aware of the situation and I am monitoring it closelyIf you have questions about this please feel free to contact me directly at ###-###-####Sincerely, [redacted] Manager, Loan Servicing
Dear [redacted] We are in receipt of the letter you sent to the Revdex.comIn your letter you state your automatic monthly payments from Chase malfunctioned, which caused your account to become days past dueYou also noted that you were not notified by Golden Your concern was the potential negative impact to your credit report had your account become days past dueYour online statement, closing date May 25, 2016, indicated the past due amount of $and a minimum payment of $dueAnytime the past due amount is not paid before the payment due date, the account maybe reported to the credit bureausWhile Golden does not send email notifications, it does make collection calls prior to accounts becoming days past dueIn your instance, the call had not yet occurredWe do appreciate your business, and as a courtesy Golden Credit Union will honor your request to return the late fee of $The credit will reflect on you July 25th statementIf you have any further questions please contact me at 877-465-3361x [redacted] Sincerely, [redacted] Member Care Manager The Golden Credit Union
Dear Ms***,I am writing in response to your correspondence with the Revdex.com regarding the automobile loan for your Jeep LibertyYour correspondence was forwarded to the Credit Union today for response and resolution.Please accept this letter as confirmation of a conversation you had with [redacted] The playoff check in the amount of $14,from [redacted] was received yesterday and the loan is now paid in full.There seems to have been a delay between when you paid off your loan at the end of November and when [redacted] sent the payoff funds to Golden As a result of this situation, our Member Care Team reached out to you to make sure you were aware the November payment was still outstanding.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 this circumstanceYour account has been updated to reflect current and paid full.I apologize for any inconvenience this has caused youThank you for bringing your concern(s) to our attention and we look forward to assisting you in the future with your financial need.Sincerely, [redacted] Senior Manager, Deposit Account Servicing
Dear [redacted] ,Thank you for taking the time to contact the Credit Union with concerns about your accountMembercomments such as yours allow us the opportunity to evaluate the level of service provided across theorganization.I am writing in response to your correspondence with the Better Business Bureau regarding yourrepeated attempt to san automatic payment on your loanYour correspondence was forwarded tothe credit union on July 22, for response and resolution.From your letter, we understand you want your loan payment to automatically be paid upon receipt ofthe transfer of deposited funds made to your savings account each monthYour request has beencompleted.We genuinely appreciate you taking the time to share your thoughts and concerns regarding youraccountWe strive to provide our members with quality service which includes providing products andservices that meet our members’ needs.If I may be of further assistance, please do not hesitate to contact me at [redacted] , or email me at [redacted]
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
[redacted] ** [redacted] Dear Mr [redacted] I am writing in response to your correspondence with the Revdex.com regarding wire transfersYour correspondence was forwarded to the credit union on November 9, for response and resolutionFrom your letter, I understand you were trying to send wire transfers to EcuadorWe periodically review international wire transfer requirements in an attempt to add additional countries to our offered country list We are currently in process of reviewing current requirements and will take Ecuador into consideration If it is determined that Ecuador can now be added to our offered country list, we will contact you to let you know Please be aware that all wire transfer requests must be made at a Golden Credit Union branchWe genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely, [redacted]
January 29, [redacted] Dear Mr [redacted] , We received your complaint filed with the Better Business Bureau on January 22, In summary, you have concerns regarding not having access to your checking account and your inability to make deposits via ATM You are requesting that Golden reverse the fees assessed and reopen your checking account Our records indicate a deposit for $was made via an ATM on November 14, This deposit was returned unpaid, on November 16, When a deposited item is returned, the Credit Union restricts the ability to make deposits at an ATM Our research concluded you received a total of $ in Courtesy Pay Fee reversals on August 30, This was a member accommodation made by our Member Service Contact CenterGolden does not assess Courtesy Pay fees for any transaction $or less, and limits the number of fees assessed to six per dayThe Courtesy Pay Program is disclosed within the Credit Union’s Disclosure of Account Information, as well as the Fee Schedule In addition, Golden sends a notice for each occurrence of Courtesy Pay usage Generally, Golden does not reimburse fees assessed to an account unless they were the result of a Credit Union errorAs a result, additional fees will not be reimbursed at this time Since the balance was negative for a period of days, the account was closedAs of January 24, 2018, the total amount owed is $ We appreciate you taking the time to share your thoughts and concerns regarding your accountIf you require any additional information or assistance relating to your complaint, please contact [redacted] Sincerely, [redacted] Senior Vice President, Service Operations
September 21, [redacted] Dear Ms [redacted] We received your complaint filed with the Revdex.com on September 15, To summarize, you maintain that you provided your email address to Golden for the purpose of receiving security alerts related to your account You do not want Golden to send you emails relating to Golden member benefits such as discounted [redacted] *** tickets We have removed your email address from future communications relating to Golden 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 Credit Union
Dear [redacted] : We are in receipt of the form you recently submitted to the Revdex.comIn your letter, you indicated that Golden 1's AutoPay Service did not place the payments correctly on the scheduled datesWe apologize for any inconvenience you have experiencedUpon review of your account, we discovered that the setup for the two credit card payments in question have instructions to pay off the entire balanceOur records indicate that the payments on June and June were instructed to pay the account balance in full, but the AutoPay limit that you established within the bill payment service was lower than what was needed to honor the paymentsBy setting the AutoPay limit (the maximum about that you authorized the bill payment service to send payments on your behalf), you inadvertently set the maximum amount of the automatic payment to a threshold that was lower than the bills you were attempting to payThe payment on June was scheduled to pay $3,070.37, but you had an AutoPay limit of $Similarly, the payment for June was scheduled to pay $4,689.50, but you had an AutoPay limit of $In both of these situations, since the AutoPay limit you created was lower than the "pay entire balance in full” option you selected, both payments were canceled according to your instructionsWith both payments, an email notification was delivered to the email address we have for you on fileIf the email notifications were not received, please let us knowI apologize for any inconvenience you experienced with your credit card paymentsI hope this explanation of how the AutoPay feature operates will prevent any late payments or credit issues in the futureWe know you have many choices for your financial services needs and we appreciate that you have chosen Golden Sincerely, [redacted] ***
[redacted] Fresno, CA Re: Credit Card ending in [redacted] Dear Ms***, On June 5, 2017, we received your complaint filed with the Better Business BureauThis letter is in response to your complaintTo summarize, you are concerned that Golden 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, and September 21, 2016, on the credit card referenced aboveThis 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,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 youIn 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 letterAdditionally, if you would prefer to discuss this matter by phone, feel free to contact me directly at [redacted] Sincerely, [redacted] Golden Credit Union Manager, Consumer Loan Servicing
We received your complaint letter dated April 6, regarding the repossession and sale of your [redacted] PatriotYour letter makes the following allegations: Golden failed to provide adequate written notice of intent to dispose of a motor vehicle.Golden failed to provide adequate notification of your right to redeem the vehicle.Golden failed to provide written notice that you would be responsible for any remaining deficiency balance after the sale of the vehicle.Golden acted in a commercially irresponsible manner regarding the sale of your vehicle.Golden incorrectly reported your account date to the credit bureausOur records indicate on December 17, you spoke to a representative to arrange the voluntary surrender of your vehicleThe 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 vehicleOn January 1, your vehicle was voluntarily surrendered to Golden On January 3, a Notice of Intent to Sell Property (NOITS) was sent to the address on your account via registered mail (enclosed)You signed for the NOITSThe NOITS clearly provided notice that: 1) Golden 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 amountOn January 28, 2014, your vehicle was sold at an auction in a responsible mannerWhen you purchased your vehicle it had 51,miles and [redacted] value was $16,052; more than your loan amount of $15,Your car was sold at auction with 149,milesThe 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 owedOn March, 2014, Golden mailed to you a deficiency balance letter (enclosed) that itemized the sale of your vehicle and how proceeds were applied to you loan balanceYou are still responsible for the deficiency balance of the vehicle consists of $7,in principal, as well as $interest and $in repossession costsGolden verified your account is being reported correctly to the credit bureausFurther, the credit union is required to report accurately to the credit bureaus, so it cannot delete the trade line as requestedThe handling of your account is consistent with our policies and all regulatory requirementsIf I may be of any further assistance, please do not hesitate to contact meSincerely, [redacted] Manager Member Care SupportGolden Credit Union [redacted]
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
June 13, [redacted] Victorville, CA Dear [redacted] ***; Thank you for taking the time to contact the Credit Union concerning a credit inquiry submitted by Golden Credit Union Comments such as yours allow us the opportunity to evaluate the level of service that is being provided across our organization Research conducted shows a request for credit on the following dates: 05/31/ Golden Credit Union over the phone loan application.05/31/ Golden Credit Union over the phone loan application.06/01/ at Valley Hi Kia for an Auto Loan.06/01/ at Valley Hi Kia for an Auto Loan After a thorough evaluation of your application history, we have determined that our inquiry complied with the permissible purpose provisions of the Fair Credit Reporting Act as it was in connection with the above mentioned request to extend credit We confirmed that permission to pull credit was obtained at the time of application Due to this confirmation, the inquiry will remain on your credit report Thank you for bringing your concern(s) to our attention and we look forward to assisting you in the future with your financial needs Sincerely, [redacted] Dealer Services Fulfillment Manager
December 8, [redacted] ** [redacted] Dear Mr [redacted] , I am writing in response to your correspondence with the Revdex.com regarding wire transfersYour correspondence was forwarded to the credit union on December 1, for response and resolution We have tried to contact you to get more information regarding the manner in which you attempted to transfer funds to EcuadorWe dialed [redacted] ***, the call did not go throughWe did some research and found there is an area code missing depending on the city, [redacted] In your previous response, you mentioned that you were attempting to write a check to transfer money to EcuadorIn order to accomplish this, you will have to ask your financial institution in Ecuador if they would accept and process a check for collection from the USThat institution will have to send the check to their affiliated US financial institution that will then send the check to us for paymentAs of today we have not received a check for collection in this manner for $86,for your account At your earliest convenience, please provide the phone number with the area code for us to contact you, if you would like to discuss this further or contact [redacted] Manager of Payment Operations at [redacted] We genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely, [redacted] , Account Services
Dear Mr [redacted] , We are in receipt of your complaint filed with the Revdex.com (Revdex.com) related to your experience with the four (4) current loans you have in process with our Home Loans DivisionAfter careful review of the documents you provided along with your comments, we have decided to honor the original rate quotes you represented that were given to you by our Home Loan Advisor in March of this yearFor clarity, the following is what has been approved:Loan [redacted] **: 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Loan [redacted] ***: 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loanLoan [redacted] : 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Loan [redacted] **: 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Should you have any additional concerns, please do not hesitate to address them directly with meWe sincerely hope this resolves any concerns you have with our organization, thank you for giving us the opportunity to correct them to your satisfaction
December 13, [redacted] San Pablo, CA RE: Consumer Online Loan Application Form Dear Mr [redacted] , This letter is in response to your correspondence to the Revdex.com regarding the savings account requirement and credit inquiry made as part of a credit card offer recently mailed to youThe Golden Credit Union definitely appreciates your feedbackIt is comments, such as yours, that help the credit union improve its service Please rest assured that we take comments and concerns very seriously and strive to take prompt corrective action as appropriate We want to assure you that both the savings account and credit inquiry were not performed arbitrarily and disclosures pertaining to both were included in the letter you receivedA sample of the disclosure has been enclosed for your reviewPlease see the areas highlighted in reference to the savings account Golden Credit Union is member owned and as such, we are able to offer our products and services with lower interest rates and fees than banks; however, membership by means of a savings account with a minimum share deposit is required in order to fulfill the credit card offer Thank you for bringing your concerns to the credit union’s attention and allowing us the opportunity to address themIf you have any additional questions related to this matter, please feel free to contact me directly at (916) 733-and I will be happy to assist further Respectfully, [redacted] Senior Manager, Consumer Direct Lending Enclosure: Sample Pre-Approval Disclosure
Dear Ms***,We received your complaint letter dated April 29, with the Revdex.com regarding credit reporting on your credit card account (***) and your automobile loan (***).As you indicate, your credit card account should reflect as settled and your automobile loan should reflect as an active trade lineDue 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 (***) - Account was a charge-off / Account paid in full for less than the full balance;For the auto loan (***), 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 to 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 youThank 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 Credit Union [redacted]
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, I wanted to let you know that the individuals that you are referencing are not associated with Golden in any wayUnfortunately, what you are, is a victim of individuals providing counterfeit Golden cashier’s checks to people, such as yourself, as payment for some type of serviceThis is known as a ‘Secret Shopper’ scamSuggested 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 frustrationI hope that you find the information in the above links helpful.Sincerely, [redacted]
March 28, [redacted] Dear Mr [redacted] , We received your complaint filed with the Better Business Bureau on March 23, In summary, you indicate Golden has refused your requests for Overdraft Protection, which has caused over $in Courtesy Pay and Insufficient Funds fees to be assessed to your accountIn addition, you state fees were assessed for transactions posting to your account prior to the posting of your direct deposit Review of your account confirms the direct deposit you receive bi-weekly is posted to your account one day earlier than the effective date of your payrollGolden posts credits and debits to member’s accounts as they are received by the Federal Reserve BankIf your account does not have sufficient funds at the time a debit transaction posts, a fee will be assessed Golden generally does not reimburse fees unless there was an error caused by the Credit UnionYour account history shows a member accommodation was granted, and a Courtesy Pay fee of $posting November 22, was reversedGolden 1’s Courtesy Pay program does not assess fees for transactions presented for less than $5.01; however, transactions over this amount are assessed a fee with a maximum of six (6) fees charged per day The Courtesy Pay Program is an overdraft protection program that covers Checks and ACH transactions, and if elected, Every Day Debit TransactionsIf you would like to opt-out of the Courtesy Pay program, please visit one of branches or call our Member Service Contact Center at [redacted] We appreciate you taking the time to share your thoughts and concerns regarding your account If you need any additional information or assistance relating to your complaint, please contact [redacted] at [redacted] Sincerely, [redacted] ***, Senior Vice President, Service Operations
July 20, [redacted] Dear [redacted] , I am writing in response to the compliant that you filed with the Revdex.com (Revdex.com) on July 16, regarding the title and registration on the vehicle in which you have a loan with Golden I wanted to let you know that we have been diligently working to get this issue resolvedAs you are aware the title that we accepted in good faith did turn out to be alteredWe are working with a Department of Motor Vehicles Investigator as well as contacting the insurance company for the dealership to either get a perfected title/registration or proceeds to pay off the loanWe understand your frustration and are doing our best to get this resolved as quickly as possibleI am very aware of the situation and I am monitoring it closelyIf you have questions about this please feel free to contact me directly at ###-###-####Sincerely, [redacted] Manager, Loan Servicing
Dear [redacted] We are in receipt of the letter you sent to the Revdex.comIn your letter you state your automatic monthly payments from Chase malfunctioned, which caused your account to become days past dueYou also noted that you were not notified by Golden Your concern was the potential negative impact to your credit report had your account become days past dueYour online statement, closing date May 25, 2016, indicated the past due amount of $and a minimum payment of $dueAnytime the past due amount is not paid before the payment due date, the account maybe reported to the credit bureausWhile Golden does not send email notifications, it does make collection calls prior to accounts becoming days past dueIn your instance, the call had not yet occurredWe do appreciate your business, and as a courtesy Golden Credit Union will honor your request to return the late fee of $The credit will reflect on you July 25th statementIf you have any further questions please contact me at 877-465-3361x [redacted] Sincerely, [redacted] Member Care Manager The Golden Credit Union
Dear Ms***,I am writing in response to your correspondence with the Revdex.com regarding the automobile loan for your Jeep LibertyYour correspondence was forwarded to the Credit Union today for response and resolution.Please accept this letter as confirmation of a conversation you had with [redacted] The playoff check in the amount of $14,from [redacted] was received yesterday and the loan is now paid in full.There seems to have been a delay between when you paid off your loan at the end of November and when [redacted] sent the payoff funds to Golden As a result of this situation, our Member Care Team reached out to you to make sure you were aware the November payment was still outstanding.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 this circumstanceYour account has been updated to reflect current and paid full.I apologize for any inconvenience this has caused youThank you for bringing your concern(s) to our attention and we look forward to assisting you in the future with your financial need.Sincerely, [redacted] Senior Manager, Deposit Account Servicing
Dear [redacted] ,Thank you for taking the time to contact the Credit Union with concerns about your accountMembercomments such as yours allow us the opportunity to evaluate the level of service provided across theorganization.I am writing in response to your correspondence with the Better Business Bureau regarding yourrepeated attempt to san automatic payment on your loanYour correspondence was forwarded tothe credit union on July 22, for response and resolution.From your letter, we understand you want your loan payment to automatically be paid upon receipt ofthe transfer of deposited funds made to your savings account each monthYour request has beencompleted.We genuinely appreciate you taking the time to share your thoughts and concerns regarding youraccountWe strive to provide our members with quality service which includes providing products andservices that meet our members’ needs.If I may be of further assistance, please do not hesitate to contact me at [redacted] , or email me at [redacted]
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
[redacted] ** [redacted] Dear Mr [redacted] I am writing in response to your correspondence with the Revdex.com regarding wire transfersYour correspondence was forwarded to the credit union on November 9, for response and resolutionFrom your letter, I understand you were trying to send wire transfers to EcuadorWe periodically review international wire transfer requirements in an attempt to add additional countries to our offered country list We are currently in process of reviewing current requirements and will take Ecuador into consideration If it is determined that Ecuador can now be added to our offered country list, we will contact you to let you know Please be aware that all wire transfer requests must be made at a Golden Credit Union branchWe genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely, [redacted]
Please close complaint ID [redacted] The issue has been resolved
January 29, [redacted] Dear Mr [redacted] , We received your complaint filed with the Better Business Bureau on January 22, In summary, you have concerns regarding not having access to your checking account and your inability to make deposits via ATM You are requesting that Golden reverse the fees assessed and reopen your checking account Our records indicate a deposit for $was made via an ATM on November 14, This deposit was returned unpaid, on November 16, When a deposited item is returned, the Credit Union restricts the ability to make deposits at an ATM Our research concluded you received a total of $ in Courtesy Pay Fee reversals on August 30, This was a member accommodation made by our Member Service Contact CenterGolden does not assess Courtesy Pay fees for any transaction $or less, and limits the number of fees assessed to six per dayThe Courtesy Pay Program is disclosed within the Credit Union’s Disclosure of Account Information, as well as the Fee Schedule In addition, Golden sends a notice for each occurrence of Courtesy Pay usage Generally, Golden does not reimburse fees assessed to an account unless they were the result of a Credit Union errorAs a result, additional fees will not be reimbursed at this time Since the balance was negative for a period of days, the account was closedAs of January 24, 2018, the total amount owed is $ We appreciate you taking the time to share your thoughts and concerns regarding your accountIf you require any additional information or assistance relating to your complaint, please contact [redacted] Sincerely, [redacted] Senior Vice President, Service Operations
September 21, [redacted] Dear Ms [redacted] We received your complaint filed with the Revdex.com on September 15, To summarize, you maintain that you provided your email address to Golden for the purpose of receiving security alerts related to your account You do not want Golden to send you emails relating to Golden member benefits such as discounted [redacted] *** tickets We have removed your email address from future communications relating to Golden 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 Credit Union
Dear [redacted] : We are in receipt of the form you recently submitted to the Revdex.comIn your letter, you indicated that Golden 1's AutoPay Service did not place the payments correctly on the scheduled datesWe apologize for any inconvenience you have experiencedUpon review of your account, we discovered that the setup for the two credit card payments in question have instructions to pay off the entire balanceOur records indicate that the payments on June and June were instructed to pay the account balance in full, but the AutoPay limit that you established within the bill payment service was lower than what was needed to honor the paymentsBy setting the AutoPay limit (the maximum about that you authorized the bill payment service to send payments on your behalf), you inadvertently set the maximum amount of the automatic payment to a threshold that was lower than the bills you were attempting to payThe payment on June was scheduled to pay $3,070.37, but you had an AutoPay limit of $Similarly, the payment for June was scheduled to pay $4,689.50, but you had an AutoPay limit of $In both of these situations, since the AutoPay limit you created was lower than the "pay entire balance in full” option you selected, both payments were canceled according to your instructionsWith both payments, an email notification was delivered to the email address we have for you on fileIf the email notifications were not received, please let us knowI apologize for any inconvenience you experienced with your credit card paymentsI hope this explanation of how the AutoPay feature operates will prevent any late payments or credit issues in the futureWe know you have many choices for your financial services needs and we appreciate that you have chosen Golden Sincerely, [redacted] ***
[redacted] Fresno, CA Re: Credit Card ending in [redacted] Dear Ms***, On June 5, 2017, we received your complaint filed with the Better Business BureauThis letter is in response to your complaintTo summarize, you are concerned that Golden 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, and September 21, 2016, on the credit card referenced aboveThis 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,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 youIn 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 letterAdditionally, if you would prefer to discuss this matter by phone, feel free to contact me directly at [redacted] Sincerely, [redacted] Golden Credit Union Manager, Consumer Loan Servicing
We received your complaint letter dated April 6, regarding the repossession and sale of your [redacted] PatriotYour letter makes the following allegations: Golden failed to provide adequate written notice of intent to dispose of a motor vehicle.Golden failed to provide adequate notification of your right to redeem the vehicle.Golden failed to provide written notice that you would be responsible for any remaining deficiency balance after the sale of the vehicle.Golden acted in a commercially irresponsible manner regarding the sale of your vehicle.Golden incorrectly reported your account date to the credit bureausOur records indicate on December 17, you spoke to a representative to arrange the voluntary surrender of your vehicleThe 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 vehicleOn January 1, your vehicle was voluntarily surrendered to Golden On January 3, a Notice of Intent to Sell Property (NOITS) was sent to the address on your account via registered mail (enclosed)You signed for the NOITSThe NOITS clearly provided notice that: 1) Golden 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 amountOn January 28, 2014, your vehicle was sold at an auction in a responsible mannerWhen you purchased your vehicle it had 51,miles and [redacted] value was $16,052; more than your loan amount of $15,Your car was sold at auction with 149,milesThe 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 owedOn March, 2014, Golden mailed to you a deficiency balance letter (enclosed) that itemized the sale of your vehicle and how proceeds were applied to you loan balanceYou are still responsible for the deficiency balance of the vehicle consists of $7,in principal, as well as $interest and $in repossession costsGolden verified your account is being reported correctly to the credit bureausFurther, the credit union is required to report accurately to the credit bureaus, so it cannot delete the trade line as requestedThe handling of your account is consistent with our policies and all regulatory requirementsIf I may be of any further assistance, please do not hesitate to contact meSincerely, [redacted] Manager Member Care SupportGolden Credit Union [redacted]
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
June 13, [redacted] Victorville, CA Dear [redacted] ***; Thank you for taking the time to contact the Credit Union concerning a credit inquiry submitted by Golden Credit Union Comments such as yours allow us the opportunity to evaluate the level of service that is being provided across our organization Research conducted shows a request for credit on the following dates: 05/31/ Golden Credit Union over the phone loan application.05/31/ Golden Credit Union over the phone loan application.06/01/ at Valley Hi Kia for an Auto Loan.06/01/ at Valley Hi Kia for an Auto Loan After a thorough evaluation of your application history, we have determined that our inquiry complied with the permissible purpose provisions of the Fair Credit Reporting Act as it was in connection with the above mentioned request to extend credit We confirmed that permission to pull credit was obtained at the time of application Due to this confirmation, the inquiry will remain on your credit report Thank you for bringing your concern(s) to our attention and we look forward to assisting you in the future with your financial needs Sincerely, [redacted] Dealer Services Fulfillment Manager
December 8, [redacted] ** [redacted] Dear Mr [redacted] , I am writing in response to your correspondence with the Revdex.com regarding wire transfersYour correspondence was forwarded to the credit union on December 1, for response and resolution We have tried to contact you to get more information regarding the manner in which you attempted to transfer funds to EcuadorWe dialed [redacted] ***, the call did not go throughWe did some research and found there is an area code missing depending on the city, [redacted] In your previous response, you mentioned that you were attempting to write a check to transfer money to EcuadorIn order to accomplish this, you will have to ask your financial institution in Ecuador if they would accept and process a check for collection from the USThat institution will have to send the check to their affiliated US financial institution that will then send the check to us for paymentAs of today we have not received a check for collection in this manner for $86,for your account At your earliest convenience, please provide the phone number with the area code for us to contact you, if you would like to discuss this further or contact [redacted] Manager of Payment Operations at [redacted] We genuinely appreciate you taking the time to share your thoughts and concerns regarding your accountWe strive to provide our members with quality serviceWe apologize for the inconvenience you experienced and value your membership Sincerely, [redacted] , Account Services
Dear Mr [redacted] , We are in receipt of your complaint filed with the Revdex.com (Revdex.com) related to your experience with the four (4) current loans you have in process with our Home Loans DivisionAfter careful review of the documents you provided along with your comments, we have decided to honor the original rate quotes you represented that were given to you by our Home Loan Advisor in March of this yearFor clarity, the following is what has been approved:Loan [redacted] **: 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Loan [redacted] ***: 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loanLoan [redacted] : 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Loan [redacted] **: 3.25% with pointsAll of the standard closing costs still applyYou will receive a revised Good Faith Estimate prior to closing so you are able to review the terms of this loan.Should you have any additional concerns, please do not hesitate to address them directly with meWe sincerely hope this resolves any concerns you have with our organization, thank you for giving us the opportunity to correct them to your satisfaction
December 13, [redacted] San Pablo, CA RE: Consumer Online Loan Application Form Dear Mr [redacted] , This letter is in response to your correspondence to the Revdex.com regarding the savings account requirement and credit inquiry made as part of a credit card offer recently mailed to youThe Golden Credit Union definitely appreciates your feedbackIt is comments, such as yours, that help the credit union improve its service Please rest assured that we take comments and concerns very seriously and strive to take prompt corrective action as appropriate We want to assure you that both the savings account and credit inquiry were not performed arbitrarily and disclosures pertaining to both were included in the letter you receivedA sample of the disclosure has been enclosed for your reviewPlease see the areas highlighted in reference to the savings account Golden Credit Union is member owned and as such, we are able to offer our products and services with lower interest rates and fees than banks; however, membership by means of a savings account with a minimum share deposit is required in order to fulfill the credit card offer Thank you for bringing your concerns to the credit union’s attention and allowing us the opportunity to address themIf you have any additional questions related to this matter, please feel free to contact me directly at (916) 733-and I will be happy to assist further Respectfully, [redacted] Senior Manager, Consumer Direct Lending Enclosure: Sample Pre-Approval Disclosure
Dear Ms***,We received your complaint letter dated April 29, with the Revdex.com regarding credit reporting on your credit card account (***) and your automobile loan (***).As you indicate, your credit card account should reflect as settled and your automobile loan should reflect as an active trade lineDue 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 (***) - Account was a charge-off / Account paid in full for less than the full balance;For the auto loan (***), 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 to 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 youThank 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 Credit Union [redacted]
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, I wanted to let you know that the individuals that you are referencing are not associated with Golden in any wayUnfortunately, what you are, is a victim of individuals providing counterfeit Golden cashier’s checks to people, such as yourself, as payment for some type of serviceThis is known as a ‘Secret Shopper’ scamSuggested 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 frustrationI hope that you find the information in the above links helpful.Sincerely, [redacted]
March 28, [redacted] Dear Mr [redacted] , We received your complaint filed with the Better Business Bureau on March 23, In summary, you indicate Golden has refused your requests for Overdraft Protection, which has caused over $in Courtesy Pay and Insufficient Funds fees to be assessed to your accountIn addition, you state fees were assessed for transactions posting to your account prior to the posting of your direct deposit Review of your account confirms the direct deposit you receive bi-weekly is posted to your account one day earlier than the effective date of your payrollGolden posts credits and debits to member’s accounts as they are received by the Federal Reserve BankIf your account does not have sufficient funds at the time a debit transaction posts, a fee will be assessed Golden generally does not reimburse fees unless there was an error caused by the Credit UnionYour account history shows a member accommodation was granted, and a Courtesy Pay fee of $posting November 22, was reversedGolden 1’s Courtesy Pay program does not assess fees for transactions presented for less than $5.01; however, transactions over this amount are assessed a fee with a maximum of six (6) fees charged per day The Courtesy Pay Program is an overdraft protection program that covers Checks and ACH transactions, and if elected, Every Day Debit TransactionsIf you would like to opt-out of the Courtesy Pay program, please visit one of branches or call our Member Service Contact Center at [redacted] We appreciate you taking the time to share your thoughts and concerns regarding your account If you need any additional information or assistance relating to your complaint, please contact [redacted] at [redacted] Sincerely, [redacted] ***, Senior Vice President, Service Operations