University Credit Union

As stated before, we will not divulge information on a public site or to a third party regarding anyone’s personal account information with the credit union and will therefore respond in general to the response and additional accusation from Mr [redacted] We understand that Mr [redacted] is not satisfied with the outcome of his complaint where he requested that we remove information from his credit report that we have verified as accurate Removing accurate information from a credit report is not something that we are ever willing or able to do In response to Mr [redacted] ’s additional comment that the credit union takes advantage of individuals, we adamantly disagree and can state we make every reasonable effort to work with our members at all times including in this case with Mr [redacted] Investigations of the original and follow up complaints by Mr [redacted] have yielded no evidence of any wrong doing on the part of the credit union in relation to this complaint

Revdex.com: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted] well something needs to be done IOrder to reach an agreementYou do take advantage of membersMy loan is payed up and will be paid off almost years earlyI don't see how you can say that is a repossession when indeed it is paid up to date and then someI see that o am being unfairly treated and you are taking advantage of meThat's uncalled for and something needs to be done about it Regards, [redacted]

University Credit Union (UCU) will not divulge information on a public site or to a third party regarding anyone’s personal account information with the credit union, and as such, we cannot speak specifically about Ms [redacted] ’ account or specifically about any activity on that account With that being said, we can respond in general terms to this complaint Upon review, it appears that there are three issues being raised that include 1) an allegation that our branch manager was rude to Ms [redacted] in the course of handling this transaction; 2) that we lost a payment that was sent to us in relation to this transaction; and 3) that a late payment is showing on Ms [redacted] ’ credit report that she would like to have removed Each of those issues will be addressed in that order and the response from UCU is as follows: We regret that Ms [redacted] felt she was treated rudely by our branch manager or by anyone at UCU for that matter Emails between Ms [redacted] and the Farmington branch have been reviewed in the context of this complaint and we have not found incidences that the Farmington staff (or any other UCU staff) were rude in those exchanges We do acknowledge that it was stated in one email that “we cannot lie to the credit bureaus”, and that could have been better phrased that “we are unable to change information provided to the credit bureau that is accurate” or something to that effect The emails to Ms [redacted] were intended to be informative about her account status and in response to her questions and concerns and again, we regret that she was offended On the issue that the name on the account has been an issue, we do not have record of receiving name change information from Ms [redacted] since opening her account We would encourage Ms [redacted] to contact the credit union directly if there are still questions on how to have that information changed In response to the allegation that we lost a payment that was sent to us by Ms [redacted] , we would offer that we are (still) willing to waive any “stop payment” fee incurred for this, and we just need a receipt or other evidence that a stop payment fee was applied by the financial institution for that particular transaction This is offered simply as a courtesy, and we do not necessarily agree that a payment was lost by us In response to the allegation that we have not provided updated information on the credit report, we have thoroughly reviewed the UCU payment history with what is showing on the credit report and we find the information to be accurate at this time Sometimes there is a lag between when we report to the credit bureaus and when information shows on a credit report but we can confirm that information reported to and currently showing with the credit bureau is correct through the current reporting period To respond directly on the desired settlement, we would not be able to remove any late payments from anyone’s account at UCU, unless the late payment record was reported in errorAfter careful review of this complaint, we do not see evidence of an error or wrong doing on our part that would result in our being able to change credit reporting information at this time Per the desired settlement request, we are certainly able to provide Ms [redacted] with a letter on the payment status of her UCU account(s) and we can send that to the address we have on fileRespectfully Submitted by University Credit Union

University Credit Union (UCU) will not divulge information on a public site or to a third party regarding anyone's personal account information with the credit union, and as such, we cannot speak specifically about Mr. [redacted] 's account or specifically about any activity on the account.With that... being said, we can respond in general terms to this complaint. UCU is obligated to ensure credit reporting is accurate at all times. The process Mr. [redacted] has been through and the resulting credit reporting effect of Mr. [redacted] 's decision had been communicated to him on a number of occasions with an opportunity for him to make an alternative decision which could result in more favorable reporting. Mr. [redacted] clearly communicated back his intent to proceed in the direction that was taken. UCU is required to report accurately to the credit bureaus and has verified that the reporting was done accurately in the case of Mr. [redacted] . UCU is not able to change this credit reporting information unless the status of the loan actually changes.

Revdex.com:I would like to say first my name issue isn't an on going issueI just got divorced and in the process of changing my name.Since I have to go in the branch to do this that will be some time before I have vacation time to use to get this done Second I would definitely educate your staff that responding to a complaint in Red lettering underneath the original email is every rudeI gave my boss a copy of what was sent and she said she wouldn't be happy at all if that was sent by me to a customerI'm sorry as a company you don't feel this way, it's really too badHonestly a simple, I'm sorry we offended you, and we addressed it would have been goodInstead once again, sorry we don't feel like we offered youAt no point have I got a honest sorryAll I want is a letter stating I'm up to date on my payment would be fine because apparently it takes over a month for this info to be sent out to the credit bureau
I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #***I understand that by choosing to accept the business response that my complaint will be closed as resolved.
Regards,
*** ***

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ***. I am very unsatisfies that this business looks to take advantage of individualsMy loan was never in default my loan is currently paid up to date and then someThis loan will be paid off very early with regards to the terms stated in the contractThey wouldn't let me have it back at firstThen I made a substantial payment toward the collateral and then they offered me alternativesI'm very disarisfied with the outcome and being taken advantage of by this institution
Regards,
*** ***

As stated before, we will not divulge information on a public site or to a third party regarding anyone’s personal account information with the credit union and will therefore respond in general to the response and additional accusation from Mr. [redacted]. We understand that Mr. [redacted] is not satisfied with the outcome of his complaint where he requested that we remove information from his credit report that we have verified as accurate.  Removing accurate information from a credit report is not something that we are ever willing or able to do.   In response to Mr. [redacted]’s additional comment that the credit union takes advantage of individuals, we adamantly disagree and can state we make every reasonable effort to work with our members at all times including in this case with Mr. [redacted].  Investigations of the original and follow up complaints by Mr. [redacted] have yielded no evidence of any wrong doing on the part of the credit union in relation to this complaint.

University Credit Union (UCU) will not divulge information on a public site or to a third party regarding anyone’s personal account information with the credit union, and as such, we cannot speak specifically about Ms. [redacted]’ account or specifically about any activity on that account.  With...

that being said, we can respond in general terms to this complaint.  Upon review, it appears that there are three issues being raised that include 1) an allegation that our branch manager was rude to Ms. [redacted] in the course of handling this transaction; 2) that we lost a payment that was sent to us in relation to this transaction; and 3) that a late payment is showing on Ms. [redacted]’ credit report that she would like to have removed.  Each of those issues will be addressed in that order and the response from UCU is as follows: We regret that Ms. [redacted] felt she was treated rudely by our branch manager or by anyone at UCU for that matter.  Emails between Ms. [redacted] and the Farmington branch have been reviewed in the context of this complaint and we have not found incidences that the Farmington staff (or any other UCU staff) were rude in those exchanges.  We do acknowledge that it was stated in one email that “we cannot lie to the credit bureaus”, and that could have been better phrased that “we are unable to change information provided to the credit bureau that is accurate” or something to that effect.  The emails to Ms. [redacted] were intended to be informative about her account status and in response to her questions and concerns and again, we regret that she was offended.  On the issue that the name on the account has been an issue, we do not have record of receiving name change information from Ms. [redacted] since opening her account.  We would encourage Ms. [redacted] to contact the credit union directly if there are still questions on how to have that information changed.   In response to the allegation that we lost a payment that was sent to us by Ms. [redacted], we would offer that we are (still) willing to waive any “stop payment” fee incurred for this, and we just need a receipt or other evidence that a stop payment fee was applied by the financial institution for that particular transaction.  This is offered simply as a courtesy, and we do not necessarily agree that a payment was lost by us.   In response to the allegation that we have not provided updated information on the credit report, we have thoroughly reviewed the UCU payment history with what is showing on the credit report and we find the information to be accurate at this time.  Sometimes there is a lag between when we report to the credit bureaus and when information shows on a credit report but we can confirm that information reported to and currently showing with the credit bureau is correct through the current reporting period.  To respond directly on the desired settlement, we would not be able to remove any late payments from anyone’s account at UCU, unless the late payment record was reported in error. After careful review of this complaint, we do not see evidence of an error or wrong doing on our part that would result in our being able to change credit reporting information at this time.  Per the desired settlement request, we are certainly able to provide Ms. [redacted] with a letter on the payment status of her UCU account(s) and we can send that to the address we have on file. Respectfully Submitted by University Credit Union

University Credit Union (UCU) will not divulge information on a public site or to a third party regarding anyone's personal account information with the credit union, and as such, we cannot speak specifically about Mr. [redacted]'s account or specifically about any activity on the account.With that...

being said, we can respond in general terms to this complaint.  UCU is obligated to ensure credit reporting is accurate at all times.  The process Mr. [redacted] has been through and the resulting credit reporting effect of Mr. [redacted]'s decision had been communicated to him on a number of occasions with an opportunity for him to make an alternative decision which could result in more favorable reporting.  Mr. [redacted] clearly communicated back his intent to proceed in the direction that was taken.  UCU is required to report accurately to the credit bureaus and has verified that the reporting was done accurately in the case of Mr. [redacted].  UCU is not able to change this credit reporting information unless the status of the loan actually changes.

Revdex.com:
I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # [redacted]. 
well something needs to be done I. Order to reach an agreement. You do take advantage of members. My loan is payed up and will be paid off almost 2 years early. I don't see how you can say that is a repossession when indeed it is paid up to date and then some. I see that o am being unfairly treated and you are taking advantage of me. That's uncalled for and something needs to be done about it.
Regards,
[redacted]