Unity One Credit Union

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this does not resolve my dispute Please enter your reason(s) for rejecting the business response below Dear Sir/Madam, Let me start by saying, we all have very busy lives, we all deal with many things on a daily basis, and certainly not many of us have the ability to recall things perfectly Add to that, that during these communications with Unity One, my husband has tried to help me out, and sure, may we have misstated a detail or two here or there, I bet we have Unity One should certainly be able to see that we have attempted to be a good client of theirs, making payments monthly, and mostly around the same time of each month Unity One should recognize that my intentions were to take advantage of the skip a payment holiday plan I did mark the box of the month I wanted to skip, and I mailed it in, I failed to see the middle part of the letter where they wanted $ My bad I didn’t keep a copy of the letter for myself showing what box I checked Now that I have painfully had to spend many of my own hours trying to figure out what has gone wrong here, I think I understand now But hear this first, all it would of taken is for Unity One to pick up the phone one time, call me, and say that we seemed to be making our payments on the wrong schedule I thought I was always about a week early, come to find out I have nearly been weeks late from the start of the loan Here’s what I believe happened We made the down payment on the boat, I made the first payment, correct date, correct amount But shortly afterwards received a coupon payment “booklet” in the mail for Unity One By that time, I had saved the original contract in my records, and I did not refer back to that document What I did was trusted the coupons, and began to make payments according to the due dates on the coupons I didn’t keep a copy of the coupons So at this point, I cannot show proof that I think Unity One actually made a mistake on the coupon book when it came to the dates Regardless, I feel they should have noticed that each of my checks accompanied a coupon, which they should have been able to tell that I was a month off, but they never said a word, no letter, no call, no email So now, we are the ones suffering from a mark on our credit score This mark on our credit score means we have been unable to re-finance our home at a lower rate This is costing us dearly How have we hurt the credit union? Why haven’t they been able to recognize how consistent we have been, and how uncommunicative they have been? I don’t think they noticed, and I don’t think they really care about us Why would they hurt us like this? Do we really have to defend the fact that I missed the instructions to send in the $to skip a payment? Are we really going to split hairs on what payment was skipped? The situation we have here is that the consumer, The Chandlers, have been greatly hurt by this, and the credit union, Unity One, could of provided some customer service, some attention, some consideration, and all of this would have been avoided as Chad or I would of promptly sent a check if we realized that we had gotten off track from payment # So from Payment #on, we were “behind” and didn’t know it as we trusted the payment coupons Unity One mailed to us We are not asking for anything from Unity One except that they recognize their error and remove the mark from our credit rating Regards, [redacted] Revdex.comMESSAGE FROM BUSINESS:Unity One Credit Union is in receipt of the abovementioned consumer's complaint rejectedresponse dated October 26, It was my understanding that the initial complaint was in regards to our Holiday Skip A Pay offer delivered October of After reading the consumer's rejection, it now sounds like there was an issue with our loan coupons[redacted] stated "Unity One should certainly be able to see that we have attempted to be a good client of theirs, making payments monthly, and mostly around the same time each month." The Chandlers are considered good clients, however from the affached (Exhibit A)you can see that payments are received anywhere from the 41h of the month to the JOh of themonth[redacted] stated "Unity Once should recognize that my intentions were to take advantage of the skip a payment holiday plan I did mark the box of the month I wanted to skip, and I mailed it in, I failed to see the middle part of the leiter where they wanted$My bad I didn't keep a copy of the leiter for myself showing what box I checked." I am not certain how we could have known of her "intentions" if we never received the form in the mm If the form had been received without the payment of $we would have contacted her at the number they would have indicated as their Daytime Phone #at the haltom of the skip a pay offer and inquired about how they wished to pay the fee and that the skip would not processed until it was received[redacted] stated "I didn 'I keep a copy of the coupons So at this point I cannot show proof that I think Unity One actually made a mistake on the coupon hook when if came to the dates." Loan coupons were sent and I have a allached a copy (Exhibit B) in addition toa copy of the loan contract signed and dated on 5/23/(Exhibit C)The contract reflected payments of $beginning June 22, as did the loan coupons.From the loan history you can see that two late fees of $were assessed in January and February of I would assume due to the misunderstanding of the Holiday Skip offer I have refunded those and credited back the $to the principle of the loan.I do sincerely regret the misunderstanding in regards to the Holiday Skip a Pay offer as well any confusion in regards to our loan coupons and when your payments were actually dueOur intentions certainly were not to hurl youMy wish is that we would have known of your intentions to skip November, December or January of 2014.I apologize that I cannot request the National Credit Bureaus to remove a day latepayment if we were not at fault

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted] ***

Unity One Credit Union is responding to dispute ID #***.The Member Contact Center phone system has caller ID records of ail incoming callsAfter an extensive research, it has been determined that a call from Ms*** was not verified as a call received on 7/24/2017.Our records show Ms
*** called our Member Contact Center on 6/15/inquiring about her balanceThe status of her account was given to her by a female employeeShe was informed of her negative balance and the three Privilege Pay fees already postedMs*** asked if her Privilege Pay fees would be refunded after her direct deposit was receivedOur Contact Center representatives are not authorized to refund three fees on an account without the authorization from the department managerSaid employee sought the advice of our VP of Operations, *** *** and was informed the three Privilege Pay fees WOUld be credited as a courtesy once the direct deposit occurred and the account was no longer in a negative status.Based on Ms*** past account history, a direct deposit was received on her account every other weekA deposit was expected on 6/23/2017, that deposit was not receivedThe deposit would have kept her within the 45-day grace period before being charge off, as stated in our Membership and Account AgreementMs*** did not receive a deposit into her account until 8//2017, tow months after her last direct deposit on June 9th of $She continued to use her debit card after learning her negative account status on 6/15/Her account was in a negative state for days, it was charged off and dosed on 7/26/A letter was mailed the same day with account closure and charge off informationMs*** contacted us and spoke with *** on 8/10/claiming she knew nothing about her account being charged off on 7/26/She was transferred to our Member Solutions Group (Colections), not our Accounting Department, where she spoke with *** regarding the status of her account.She informed him that her direct deposit was scheduled to come into her account on 8/1/*** explained that the negative balance would be collected from her deposit .when receivedShe asked to speak with someone else, *** proceeded to transfer her to our Member Contact Manager, ***When *** picked up the call, Ms, *** had hung up and did not call back.According to on our employee contact tracking report, the first time this account was researched by *** was 8/10/when *** attempted transfer Ms*** to herOur research indicates that Ms*** claims are not correctUnity One will refund the three original Privilege Pay fees os a courtesy however, the fees that were incurred due to the continued use of the account after she learned that it was in a negative status will not be refunded.When a payroll direct deposit error is made by a member's employer the issues and or fees generated are resolved by the member's employerEmployers issue a letter of explanation and the employer usually compensates the employee for lost funds caused by their errorThe financial institutions receiving direct deposits are not at fault for errors made by the originator of those deposits.Sincerely,*** *** VP of Retail Operations

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this does not resolve my dispute.
Please enter your reason(s) for rejecting the business response below.
Dear Sir/Madam,
Let me start by saying, we all have very busy lives, we
all deal with many things on a daily basis, and certainly not many of us have
the ability to recall things perfectly. 
Add to that, that during these communications with Unity One, my husband
has tried to help me out, and sure, may we have misstated a detail or two here
or there, I bet we have.
Unity One should certainly be able to see that we have
attempted to be a good client of theirs, making payments monthly, and mostly
around the same time of each month.
Unity One should recognize that my intentions were to
take advantage of the skip a payment holiday plan.  I did mark the box of the month I wanted to
skip, and I mailed it in, I failed to see the middle part of the letter where
they wanted $35.00.  My bad.  I didn’t keep a copy of the letter for myself
showing what box I checked. 
Now that I have painfully had to spend many of my own
hours trying to figure out what has gone wrong here, I think I understand
now.  But hear this first, all it would
of taken is for Unity One to pick up the phone one time, call me, and say that
we seemed to be making our payments on the wrong schedule.
I thought I was always about a week early, come to find
out I have nearly been 3 weeks late from the start of the loan.
Here’s what I believe happened.  We made the down payment on the boat, I made
the first payment, correct date, correct amount.  But shortly afterwards received a coupon
payment “booklet” in the mail for Unity One. 
By that time, I had saved the original contract in my records, and I did
not refer back to that document.  What I
did was trusted the coupons, and began to make payments according to the due
dates on the coupons.
I didn’t keep a copy of the coupons.  So at this point, I cannot show proof that I
think Unity One actually made a mistake on the coupon book when it came to the
dates.
Regardless, I feel they should have noticed that each of
my checks accompanied a coupon, which they should have been able to tell that I
was a month off, but they never said a word, no letter, no call, no email.
So now, we are the ones suffering from a mark on our
credit score.  This mark on our credit
score means we have been unable to re-finance our home at a lower rate.  This is costing us dearly.
How have we hurt the credit union?  Why haven’t they been able to recognize how
consistent we have been, and how uncommunicative they have been?  I don’t think they noticed, and I don’t think
they really care about us.  Why would
they hurt us like this? 
Do we really have to defend the fact that I missed the
instructions to send in the $35.00 to skip a payment?  Are we really going to split hairs on what
payment was skipped?  The situation we
have here is that the consumer, The Chandlers, have been greatly hurt by this,
and the credit union, Unity One, could of provided some customer service, some
attention, some consideration, and all of this would have been avoided as Chad
or I would of promptly sent a check if we realized that we had gotten off track
from payment #2.
So from Payment #2 on, we were “behind” and didn’t know
it as we trusted the payment coupons Unity One mailed to us.
We are not asking for anything from Unity One except that
they recognize their error and remove the mark from our credit rating.
Regards,
[redacted]
Revdex.comMESSAGE FROM BUSINESS:Unity One Credit Union is in receipt of the abovementioned consumer's complaint rejectedresponse dated October 26, 2015.  It was my understanding that the initial complaint was in regards to our Holiday Skip A Pay offer delivered October of 2014.  After reading the consumer's rejection, it now sounds like there was an issue with our loan coupons.[redacted] stated "Unity One should certainly be able to see that we have attempted to be a good client of theirs, making payments monthly, and mostly around the same time each month."   The Chandlers are considered good clients, however from the affached (Exhibit A)you can see that payments are received anywhere from the 41h of the month to the JOh of themonth.[redacted] stated "Unity Once should recognize that my intentions were to take advantage of the skip a payment holiday plan.  I did mark the box of the month I wanted to skip, and I mailed it in, I failed to see the middle part of the leiter where they wanted$35.00. My bad.  I didn't keep a copy of the leiter for myself showing what box I checked." I am not certain how we could have known of her "intentions" if we never received the form in the mm1.  If the form  had been received without the payment of $35.00 we would have contacted her at the number they would have indicated as their Daytime Phone #at the haltom of the skip a pay offer and inquired about how they wished to pay the fee  and that the skip would not processed  until it was received.[redacted] stated  "I didn 'I keep a copy of the coupons.  So at this point  I cannot show proof  that I think Unity One actually made a mistake on the coupon hook when if came to the dates."  Loan coupons were sent and I have a allached a copy (Exhibit B) in addition toa copy of the loan contract signed and dated on 5/23/14 (Exhibit C). The contract reflected payments of $543.73 beginning June 22, 2014 as did the loan coupons.From the loan history you can see that two late fees of $27.18 were assessed in January and February of 2015 I would assume due to the misunderstanding of the Holiday Skip offer.  I have refunded those and credited back the $54.36 to the principle of the loan.I do sincerely regret the misunderstanding in regards to the Holiday Skip a Pay offer as well any confusion in regards to our loan coupons and when your payments were actually due. Our intentions certainly were not to hurl you. My wish is that we would have known of your intentions to skip November, December or January of 2014.I apologize that I cannot request the National Credit Bureaus to remove a 30 day latepayment if we were not at fault.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Dear Revdex.com,I am in receipt of the abovementioned complaint filed by [redacted]. Fortunately, I am familiar with this loan due to the number of returned items.This loan was taken out on June 13, 2015 in the amount of $20,038.57 with scheduled monthly payments of $208.15. In their compliant it was...

mentioned that their monthly payment is "only $308.00", it was increased from $208.15 to $307.97 after receiving an insurance cancellation notice and we had to add force placed insurance to protect our collateral. A violation of their contract.I've provided a detail of their account history and as of September 20, 2107 we have had to return $15,624.45 in NSF (insufficient funds) payments and will no longer accept anything except cash, money orders or cashier's checks.Our system will only allow payment due dates to advance 90 days as the contract clearly states, "monthly installments" are due. The compliant disputed the $1800 which was the amount past due with a due date of 3/13/17. After further review, the due date has been advanced to 9/13/17 and the past due amount as of today is $307.97. This is due to the ONE good payment made on 8/3/17 in the amount of $3,000 that was not returned NSF and the due date was advanced 3 months to reflect the current date of 9/13/17.The customer just called our contact center as I was typing this letter and they should receive a phone call from our Member Solutions Department this afternoon stating the new due date of 9/13/17 and current past due is $307.97. If you have any further questions, please do not hesitate to contact me personally at [redacted]. [redacted] VP Of Lending/Unity One Credit Union