USE Credit Union

USE Credit Union is in receipt of this complaint dated October 27, We understand that ***systems reporting can be confusing for consumers and we would like to apologize for any misunderstanding this has causedRegarding this particular transaction, the member's account went negative in August, due to returned deposit itemsSince the money owed was deemed unrecoverable, the account was written off based on a negative balance in September, 2016, and a status report was filed with ***systems in accordance with standard processing proceduresThe status report to ***systems consists of several components including the condition of the account as closed and the amount owing at the time of reporting ($7,089.78)The member made two subsequent payments in 2016, and the remaining balance of $5,was paid in March, 2017, as noted in the compliantAccordingly, the ***systems report was updated to reflect that the outstanding balance was paid in full in March, Prompted by the member's complaint, we have verified that the ***systems reporting still reflects the account as paid in fullThe reporting is not removed when funds are paid, however, the listing is updated to show as paidThis process is similar to a credit report which shows the current status of payments as well as the history of payments on a loan.? We appreciate the member sharing her concerns and sincerely hope this response provides additional clarity

Revdex.com: I have reviewed the? response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint.? For your reference, details of the offer I reviewed appear below This answer does not resolve my problem of not being able to open a bank account in order to meet the requirement for an employment job offer based on the ability to meet the direct deposit condition of employment.? [redacted] System stated that only USE credit union can remove their own report from said system in order for me to be able to open another accountIf USE continues to give me the run-around on this matter, which I promptly took care of as soon as it was possible, I will remain unemployed.? If USE credit Union does not want to address this with [redacted] Systems then I would like a direct answer so that I no longer waste my time or the agencies time in trying to secure the job I have been offered.? This issue with USE/ [redacted] System is my only obstacle to employment, either USE will correct this report or not, either way I would like an immediate answer.? Thank you so much for your assistance.? Regards, [redacted]

RE: ? Revdex.com ?" Complaint ID # [redacted] ? Dear Revdex.com Representative: ? Thank you for forwarding information regarding the above referenced customer complaint ? We have closely reviewed our member’s account in response to this complaint.? Transaction history details two automatic ACH direct deposit transfers from our member’s employer were received and processed on the same day (11/17/15).? The deposit amount detailed in this complaint ($171.74) was one of the two direct deposit transfers.? Although this deposit was processed later than the date indicated by our member’s employer, the deposit was processed on the day it was received? As a courtesy, we reversed three of six overdraft fees ($81) incurred in response to email communication received by our member on 11/18/15.? Regarding our low balance alert (sas a balance less than a stated dollar amount) not being real-time, the credit union is planning a digital banking systems upgrade in in an effort to enhance service? We would like to extend our sincere apologies for the frustration experienced with our alert service.? We’re committed to enhancing our digital banking experience in and we appreciate receiving feedback from our members as it helps us to continually improve.? ? ? Sincerely, ? [redacted] Vice President of Marketing

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint For your reference, details of the offer I reviewed appear below This answer does not resolve my problem of not being able to open a bank account in order to meet the requirement for an employment job offer based on the ability to meet the direct deposit condition of employment [redacted] System stated that only USE credit union can remove their own report from said system in order for me to be able to open another accountIf USE continues to give me the run-around on this matter, which I promptly took care of as soon as it was possible, I will remain unemployed If USE credit Union does not want to address this with [redacted] Systems then I would like a direct answer so that I no longer waste my time or the agencies time in trying to secure the job I have been offered This issue with USE/ [redacted] System is my only obstacle to employment, either USE will correct this report or not, either way I would like an immediate answer Thank you so much for your assistance Regards, [redacted]

Dear Revdex.com Representative:Thank you for forwarding information regarding the above referenced customer complaint.We have closely reviewed our member’s account in response to this complaintUSE CreditUnion’s Lending Department has confirmed that the Statement of Credit Denial was sent to ourmember in errorDuring the time this letter was sent, the credit union was in the process ofupgrading to a new consumer loan processing systemWhile our member was in fact approvedfor a loan, a denial letter was sent in errorA USE Credit Union Lending Department SeniorManager has contacted our member today to confirm this and address any concerns aboutpotential fraudulent activity.We extend our sincere apologies for the concern and frustration caused with the transition toour new consumer loan processing systemWe’re committed to enhancing our digital bankingexperience and we appreciate receiving feedback from our members as it helps us tocontinually improve.Sincerely, [redacted] Vice President of Marketing

RE: Revdex.com – Complaint # [redacted] Dear Revdex.com Representative,Thank you for forwarding the response to the above referenced complaint.Again, we’d like to thank Mr [redacted] for taking the time to share his feedbackWe’re disappointed to hear he is not interested in our offerOur origanal offer of re-fiancing the vehical to give him the same payment on the car that he had previous to the froced insurance being applied still standsIn additon, we will be sending out a $gas gift card to thank Mr [redacted] for taking time to share his feedback, as well as bring to light an opportunity for improvement Sincerley, [redacted] VP, Marketing ?

USE Credit Union is in receipt of this complaint dated October 27, We understand that ***systems reporting can be confusing for consumers and we would like to apologize for any misunderstanding this has causedRegarding this particular transaction, the member's account went negative in
August, due to returned deposit itemsSince the money owed was deemed unrecoverable, the account was written off based on a negative balance in September, 2016, and a status report was filed with ***systems in accordance with standard processing proceduresThe status report to ***systems consists of several components including the condition of the account as closed and the amount owing at the time of reporting ($7,089.78)The member made two subsequent payments in 2016, and the remaining balance of $5,was paid in March, 2017, as noted in the compliantAccordingly, the ***systems report was updated to reflect that the outstanding balance was paid in full in March, Prompted by the member's complaint, we have verified that the ***systems reporting still reflects the account as paid in fullThe reporting is not removed when funds are paid, however, the listing is updated to show as paidThis process is similar to a credit report which shows the current status of payments as well as the history of payments on a loan. We appreciate the member sharing her concerns and sincerely hope this response provides additional clarity

Dear Revdex.com Representative,Thank you for forwarding information regarding the above referenced complaint.We have closely reviewed our member’s account in response to this complaintMr***called USECU on June 4, to process a credit card payment, which was due days prior.When advised of his
payment options (complete a payment by phone or visit a share branchlocation), Mr*** stated that neither option was suitable.While an exception can be made in some cases, it has been noted on Mr***’s account thaton two occassions earlier this year, he contacted the credit union days after his payment wasdue and requested to make a payment to avoid negative credit reportingWhen he was advisedthat there is a fee for payments by phone and processing is not same day, he chose not toproceed.As always, we appreciate the opportunity to receive and respond to member concernsPleaselet us know if you have any additional questions.Sincerely,*** ***VP, Marketing

USE Credit Union is in receipt of this complaint dated October 27, We understand that ***systems reporting can be confusing for consumers and we would like to apologize for any misunderstanding this has causedRegarding this particular transaction, the member's account went negative in
August, due to returned deposit itemsSince the money owed was deemed unrecoverable, the account was written off based on a negative balance in September, 2016, and a status report was filed with ***systems in accordance with standard processing proceduresThe status report to ***systems consists of several components including the condition of the account as closed and the amount owing at the time of reporting ($7,089.78)The member made two subsequent payments in 2016, and the remaining balance of $5,was paid in March, 2017, as noted in the compliantAccordingly, the ***systems report was updated to reflect that the outstanding balance was paid in full in March, Prompted by the member's complaint, we have verified that the ***systems reporting still reflects the account as paid in fullThe reporting is not removed when funds are paid, however, the listing is updated to show as paidThis process is similar to a credit report which shows the current status of payments as well as the history of payments on a loan. We appreciate the member sharing her concerns and sincerely hope this response provides additional clarity

Dear Revdex.com Representative,Thank you for forwarding information regarding the above referenced complaint.We have closely reviewed our member’s account in response to this complaintMr***called USECU on June 4, to process a credit card payment, which was due days prior.When advised of his
payment options (complete a payment by phone or visit a share branchlocation), Mr*** stated that neither option was suitable.While an exception can be made in some cases, it has been noted on Mr***’s account thaton two occassions earlier this year, he contacted the credit union days after his payment wasdue and requested to make a payment to avoid negative credit reportingWhen he was advisedthat there is a fee for payments by phone and processing is not same day, he chose not toproceed.As always, we appreciate the opportunity to receive and respond to member concernsPleaselet us know if you have any additional questions.Sincerely,*** ***VP, Marketing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint. For your reference, details of the offer I reviewed appear below
This answer does not resolve my problem of not being able to open a bank account in order to meet the requirement for an employment job offer based on the ability to meet the direct deposit condition of employment. *** System stated that only USE credit union can remove their own report from said system in order for me to be able to open another accountIf USE continues to give me the run-around on this matter, which I promptly took care of as soon as it was possible, I will remain unemployed. If USE credit Union does not want to address this with *** Systems then I would like a direct answer so that I no longer waste my time or the agencies time in trying to secure the job I have been offered. This issue with USE/*** System is my only obstacle to employment, either USE will correct this report or not, either way I would like an immediate answer. Thank you so much for your assistance.
Regards,
*** ***

RE: ? Revdex.com ??" Complaint ID #*** ? Dear Revdex.com Representative: ? Thank you for forwarding information regarding the above referenced customer complaint ? We have closely reviewed our member’s account in response to this complaint.? Transaction history
details two automatic ACH direct deposit transfers from our member’s employer were received and processed on the same day (11/17/15).? The deposit amount detailed in this complaint ($171.74) was one of the two direct deposit transfers.? Although this deposit was processed later than the date indicated by our member’s employer, the deposit was processed on the day it was received? As a courtesy, we reversed three of six overdraft fees ($81) incurred in response to email communication received by our member on 11/18/15.? Regarding our low balance alert (sas a balance less than a stated dollar amount) not being real-time, the credit union is planning a digital banking systems upgrade in in an effort to enhance service? We would like to extend our sincere apologies for the frustration experienced with our alert service.? We’re committed to enhancing our digital banking experience in and we appreciate receiving feedback from our members as it helps us to continually improve.? ? ? Sincerely, ? *** *** Vice President of Marketing

Dear Revdex.com Representative:Thank you for forwarding information regarding the above referenced customer complaint.We have closely reviewed our member’s account in response to this complaintUSE CreditUnion’s Lending Department has confirmed that the Statement of Credit Denial was sent to ourmember in
errorDuring the time this letter was sent, the credit union was in the process ofupgrading to a new consumer loan processing systemWhile our member was in fact approvedfor a loan, a denial letter was sent in errorA USE Credit Union Lending Department SeniorManager has contacted our member today to confirm this and address any concerns aboutpotential fraudulent activity.We extend our sincere apologies for the concern and frustration caused with the transition toour new consumer loan processing systemWe’re committed to enhancing our digital bankingexperience and we appreciate receiving feedback from our members as it helps us tocontinually improve.Sincerely,[redacted]Vice President of Marketing?

Dear Revdex.com Representative:Thank you for forwarding information regarding the above referenced customer complaint.We have closely reviewed our member’s account in response to this complaint. USE CreditUnion’s Lending Department has confirmed that the Statement of Credit Denial was sent to ourmember in...

error. During the time this letter was sent, the credit union was in the process ofupgrading to a new consumer loan processing system. While our member was in fact approvedfor a loan, a denial letter was sent in error. A USE Credit Union Lending Department SeniorManager has contacted our member today to confirm this and address any concerns aboutpotential fraudulent activity.We extend our sincere apologies for the concern and frustration caused with the transition toour new consumer loan processing system. We’re committed to enhancing our digital bankingexperience and we appreciate receiving feedback from our members as it helps us tocontinually improve.Sincerely,[redacted]Vice President of Marketing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
This answer does not resolve my problem of not being able to open a bank account in order to meet the requirement for an employment job offer based on the ability to meet the direct deposit condition of employment.  [redacted] System stated that only USE credit union can remove their own report from said system in order for me to be able to open another account. If USE continues to give me the run-around on this matter, which I promptly took care of as soon as it was possible, I will remain unemployed.  If USE credit Union does not want to address this with [redacted] Systems then I would like a direct answer so that I no longer waste my time or the agencies time in trying to secure the job I have been offered.  This issue with USE/[redacted] System is my only obstacle to employment, either USE will correct this report or not, either way I would like an immediate answer.  Thank you so much for your assistance. 
Regards,
[redacted]

Dear Revdex.com Representative,Thank you for forwarding information regarding the above referenced complaintWe’d like to thank Mr. [redacted] for taking the time to share his feedback. We’re disappointedto hear about his experience. We strive to provide great service and we take these concernsseriously.We’ve...

reviewed Mr. [redacted]’s situation and although we operated according to our policiesit’s evident that we can improve our communication and processes when handling a matter suchas this. In an effort to ease Mr. [redacted]’s situation we made an offer that, unfortunately, hedid not accept.Again, we are grateful for the feedback as we are always looking for ways to improve.Sincerley,[redacted]VP, Marketing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
Sry but the only option I was given is to refinance but why would I do this ?I can do that with any bank and if this is how they have offered to fix the situation ill be happy to finance with any body else at this point
Regards,
[redacted]

RE:  Revdex.com – Complaint # [redacted]Dear Revdex.com Representative,Thank you for forwarding the
response to the above referenced complaint.Again, we’d like to thank
Mr. [redacted] for taking the time to share his feedback. We’re disappointed to
hear he is not interested in our offer. Our origanal offer of
re-fiancing the vehical to give him the same payment on the car that he had
previous to the froced insurance being applied still stands. In additon, we
will be sending out a $50.00 gas gift card to thank Mr. [redacted] for taking
time to share his feedback, as well as bring to light an opportunity for
improvement.   Sincerley,[redacted]VP, Marketing ?

RE:  Revdex.com – Complaint ID #[redacted]   Dear Revdex.com Representative:   Thank you for forwarding information regarding the above referenced customer complaint.   We have closely reviewed our member’s account in response to this complaint.  Transaction history...

details two automatic ACH direct deposit transfers from our member’s employer were received and processed on the same day (11/17/15).  The deposit amount detailed in this complaint ($171.74) was one of the two direct deposit transfers.  Although this deposit was processed later than the date indicated by our member’s employer, the deposit was processed on the day it was received.   As a courtesy, we reversed three of six overdraft fees ($81) incurred in response to email communication received by our member on 11/18/15.  Regarding our low balance alert (set-up as a balance less than a stated dollar amount) not being real-time, the credit union is planning a digital banking systems upgrade in 2016 in an effort to enhance service.   We would like to extend our sincere apologies for the frustration experienced with our alert service.  We’re committed to enhancing our digital banking experience in 2016 and we appreciate receiving feedback from our members as it helps us to continually improve.     Sincerely,   [redacted] Vice President of Marketing