USX Federal Credit Union

SUBJECT: Complaint ID # [redacted] Dear Mrs [redacted] I am writing to respond to the aforementioned complaint, ID # [redacted] .Complainant indicates that she is being treated unfairly and disrespected by the employees of USX Federal Credit Union.Complainant was delinquent on a vehicle loan at the time of the complaint and has been habitually delinquent on loans with the credit unionShe has always been treated professionally and with respectUSX Federal Credit Union has pages of documented conversations with the complainant dating back to Many of the documented conversations demonstrate abusive behavior and language toward our employees.Complainant has severely limited our ability to discuss the loan with her as she has requested that no one from the Credit Union contact her via the telephoneA request that we have honoredThe complainant did contact USX on January 5th, as stated in the complaintHer only option was thoroughly explained to her multiple times by our AVP of Lending and she did not want to accept the option given to herComplainant wanted to set up a payment plan on the loan but she was not eligible due to her level of delinquency.I also spoke to the complainant on January 5th, and explained to the member that the option given to her by our AYP of Lending was her only optionComplainant continued to discuss other options when there was none availableShe then informed me that she was recording the phone conversationI then told her I was ending the call because she did not request my permission to record the conversationI then ended the call.I can provide documentation for the above statements at your request, should you require this information.The complainant has since paid the loan currentShould the complainant become delinquent on the loan again, all USX Federal Credit Union policies and procedures, as well as all state and federal guidelines will be followed with regards to any additional collection action.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit union Habitual delinquencies affect all members of the credit union in the form of higher fees, higher interest rates, and decreased loyalty rewards to our thousands of members in good standingIt is the duty of credit union employees to work all delinquent accounts diligentlyThis will ensure that our members in good standing continue to receive all of the outstanding benefits that membership in USX Federal Credit Union has to offer.Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####Sincerely,David C [redacted] Vice President/LendingUSX Federal Credit UnionCc: Dave A [redacted] , President/CEO [redacted] , A VP Lending

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 complaint For your reference, details of the offer I reviewed appear below Regards, [redacted]

SUBJECT: Complaint ID # [redacted] Dear Mrs [redacted] ,I am writing to respond to the aforementioned complaint, ID # [redacted] Complainant indicates that Ms [redacted] had fraud on her account in April and September of The fraud in April was resolved, Ms [redacted] was refunded the disputed dollar amounts, the card in question was closed, and she was given a new Visa Debit Card with a new number.The fraud in September of occurred at the same place but different amountsHer complaint was that the September charges were not taken care of, nobody followed up with her as she requested, and when she made the request to close her accounts she wasn’t permitted to do so.I reached out to Ms [redacted] on 11/22/to discuss her complaint and was unable to reach her, I left a voicemailI reached out once again on 11/28/and was able to speak with herI explained to her that we would refund the charges for the disputed amounts in September and also recommended that she open a new checking account along with a new Visa Debit CardI explained we were unable to close her account as she requestedIn order to maintain credit union services and benefits, members must maintain $in their primary savings account, therefore credit union membership needed to remain open.Ms [redacted] went into our Pittsburgh office and opened a new checking and requested a New Visa Debit CardAll of the disputed charges were refunded in November of 2017.I can provide documentation for the above statements at your request, should you require this information.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit unionWe have attempted to assist the complainant to the best of our abilities.Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####.Lori [redacted] M [redacted] AVP of OperationsUSX Federal Credit Union

SUBJECT: Complaint ID # ***Dear MrsPalmer Edwards,I am writing to respond to the aforementioned complaint, ID #***.Complainant’s vehicle was repossessed and he seeks to settle the issue in a professional mannerHe indicates that he feels that there are discrepancies in his account and
that modifications were made to his contract without his consent.Complainant was days delinquent on a vehicle loan at the time of the repossession and he has been habitually delinquent on loans with the credit unionThe delinquent auto loan was re-written for the member on 12/12/because the member was delinquent at that time.Complainant has stated that he did not execute the contract to rewrite the loan and bring it current on 12/12/The documents for this loan rewrite were signed electronically by the complainant, however, one of the documents required a wet signatureComplainant did execute this document and the signature matches his signature on file as well as his signature from recent documents signed by the complainant.This loan rewrite was designed to give the complainant a second chance to restore his credit and bring the loan currentComplainant has failed again to live up to the terms of the contract, which led to the repossession of the vehicleComplainant has also had other loans with the credit union which have defaulted and been written off as a loss.I can provide documentation for the above statements at your request, should you require this informationI can also provide notes from USX Federal Credit Union’s Payment Solutions Group which documents conversations with the complainant and includes email correspondence between the complainant and USX Federal Credit Union.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit unionHabitual delinquencies affect all members of the credit union in the form of higher fees, higher interest rates, and decreased loyalty rewards to our thousands of members in good standingIt is the duty of credit union employees to work all delinquent accounts diligentlyThis will ensure that our members in good standing continue to receive all of the outstanding benefits that membership in USX Federal Credit Union has to offer.Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####David C***Vice President/LendingUSX Federal Credit UnionCc: Dave A***, President/CEO

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

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 complaint.  For your reference, details of the offer I reviewed appear below.
 
Regards,
[redacted]

ATTN: [redacted]SUBJECT: Complaint ID # [redacted]Dear Mrs. [redacted]I am writing to respond to the aforementioned complaint, ID #[redacted].Complainant indicates that he wants all monies taken out of his business account without his permission to be refunded and for USX Federal Credit...

Union to contact the state of [redacted] to obtain his vehicle title.All funds utilized from the complainant’s business account were done so with his written permission via email, or in accordance with the terms of the Loan and Security Agreements and Disclosure Statement executed by the complainant on 10/06/2015. This agreement states “ For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with the credit union now and in the future. The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default.”USX Federal Credit Union has attempted to assist complainant with obtaining a copy of the vehicle title. The reason we have been unsuccessful in obtaining the title copy is due to the fact that the complainant transferred the ownership of the vehicle from his personal ownership into the name of his business. This has caused the title to be held in suspense as the state of Minnesota correctly views this as a transfer of ownership and is requiring that the sales tax be paid on the title transfer.Furthermore, the complainant has violated the terms of the Loan and Security Agreements and Disclosure Statement executed by the complainant on 10/06/2015 which states “You promise not to sell or lease the property or to use it as security for a loan with another creditor until the loan is repaid. You promise you will allow no other security interest or lien to attach to the property either by your actions or by operation of the law.”I can provide documentation for the above statements at your request, should you require this information.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit union. We have attempted to assist the complainant on numerous occasions, but we can offer no further assistance until the complainant rectifies the tax situation with the state of [redacted].Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####.Sincerely,David C[redacted]Vice President/LendingUSX Federal Credit UnionCc: [redacted]

SUBJECT: Complaint ID # [redacted]Dear Mrs. [redacted],I am writing to respond to the aforementioned complaint, ID #[redacted]Complainant indicates that Ms. [redacted] had fraud on her account in April and September of 2017. The fraud in April was resolved, Ms. [redacted] was refunded the disputed...

dollar amounts, the card in question was closed, and she was given a new Visa Debit Card with a new number.The fraud in September of 2017 occurred at the same place but different amounts. Her complaint was that the September charges were not taken care of, nobody followed up with her as she requested, and when she made the request to close her accounts she wasn’t permitted to do so.I reached out to Ms. [redacted] on 11/22/17 to discuss her complaint and was unable to reach her, I left a voicemail. I reached out once again on 11/28/2017 and was able to speak with her. I explained to her that we would refund the charges for the disputed amounts in September and also recommended that she open a new checking account along with a new Visa Debit Card. I explained we were unable to close her account as she requested. In order to maintain credit union services and benefits, members must maintain $25.00 in their primary savings account, therefore credit union membership needed to remain open.Ms. [redacted] went into our Pittsburgh office and opened a new checking and requested a New Visa Debit Card. All of the disputed charges were refunded in November of 2017.I can provide documentation for the above statements at your request, should you require this information.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit union. We have attempted to assist the complainant to the best of our abilities.Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####.Lori * M[redacted] AVP of OperationsUSX Federal 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 complaint.  For your reference, details of the offer I reviewed appear below.
 
Regards,
[redacted]

SUBJECT: Complaint ID # [redacted]Dear Mrs. [redacted],I am writing to respond to the aforementioned complaint, ID #[redacted].Complainant indicates that she is being harassed with phone calls, disrespected by employees, and that money is being taken from her account without her...

authorization.Complainant was delinquent on a vehicle loan at the time of the complaint and has been habitually delinquent on loans with the credit union. She has always been treated professionally and with respect. She requested that the credit union cease all calls to her and we have honored that request.All funds applied from the complainant’s account were procured in accordance with the terms of the Loan and Security Agreements and Disclosure Statement executed by the complainant on 02/09/2015. This agreement states “ For all borrowers: You pledge as security for this loan all shares and dividends and, if any, all deposits and interest in all joint and individual accounts you have with the credit union now and in the future. The statutory lien and/or your pledge will allow us to apply the funds in your account(s) to what you owe when you are in default.”I can provide documentation for the above statements at your request, should you require this information.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit union, Habitual delinquencies affect all members of the credit union in the form of higher fees, higher interest rates, and decreased loyalty rewards to our thousands of members in good standing. It is the duty of credit union employees to work all delinquent accounts diligently. This will ensure that our members in good standing continue to receive all of the outstanding benefits that membership in USX Federal Credit Union has to offer.Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####.David C[redacted]Vice President/LendingUSX Federal Credit UnionCc: Dave A[redacted], President/CEO

SUBJECT: Complaint ID # [redacted]Dear Mrs. [redacted]I am writing to respond to the aforementioned complaint, ID #[redacted].Complainant indicates that she is being treated unfairly and disrespected by the employees of USX Federal Credit Union.Complainant was delinquent on a vehicle loan at the...

time of the complaint and has been habitually delinquent on loans with the credit union. She has always been treated professionally and with respect. USX Federal Credit Union has 18 pages of documented conversations with the complainant dating back to 2009. Many of the documented conversations demonstrate abusive behavior and language toward our employees.Complainant has severely limited our ability to discuss the loan with her as she has requested that no one from the Credit Union contact her via the telephone. A request that we have honored. The complainant did contact USX on January 5th, 2017 as stated in the complaint. Her only option was thoroughly explained to her multiple times by our AVP of Lending and she did not want to accept the option given to her. Complainant wanted to set up a payment plan on the loan but she was not eligible due to her level of delinquency.I also spoke to the complainant on January 5th, 2017 and explained to the member that the option given to her by our AYP of Lending was her only option. Complainant continued to discuss other options when there was none available. She then informed me that she was recording the phone conversation. I then told her I was ending the call because she did not request my permission to record the conversation. I then ended the call.I can provide documentation for the above statements at your request, should you require this information.The complainant has since paid the loan current. Should the complainant become delinquent on the loan again, all USX Federal Credit Union policies and procedures, as well as all state and federal guidelines will be followed with regards to any additional collection action.USX Federal Credit Union strives to do what is best for the member in front of us, all of the current members of the credit union, and all of the future members of the credit union Habitual delinquencies affect all members of the credit union in the form of higher fees, higher interest rates, and decreased loyalty rewards to our thousands of members in good standing. It is the duty of credit union employees to work all delinquent accounts diligently. This will ensure that our members in good standing continue to receive all of the outstanding benefits that membership in USX Federal Credit Union has to offer.Should you need have any questions or need to discuss this matter further, please contact me at ###-###-####Sincerely,David C[redacted]Vice President/LendingUSX Federal Credit UnionCc: Dave A[redacted], President/CEO[redacted], A VP Lending