Visions Federal Credit Union

May 15, ***
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* Dear ***: I am in receipt of complaint # filed by *** *** on March 26, 2017. I have reviewed the details of his complaint regarding improper
reporting of delinquencies for his *** loan and have thoroughly researched his concerns and have addressed them in further detail below Mr*** claimed that he was not delinquent on this loan and that the credit union was reporting him delinquent on several occasions inaccurately. From his claim, I was able to determine the following: Day Delinquency reported for September 2014- As of the statement ending July 31, 2014, Mr***’s next payment was due for August 9, 2014. There wasn’t any payment made on the loan until September 12, which was at the time thirty-five days past due Day Delinquency reported for October 2014- As of the statement ending September 30, 2014, Mr***’s next payment was due for September 9, 2014. There wasn’t any payment made on the loan until October 20, which was at the time forty-two days past due. The payment made in October satisfied both September and October’s payment thus curing the delinquency at that time Day Delinquency reported for February 2015- As of the statement ending January 31, 2015, Mr***’s next payment was due for January 9, 2015. There wasn’t any payment made on the loan until February 13, which was at the time thirty-six days past due. The payment made in February satisfied both January and February’s payment thus curing the delinquency at that time Day Delinquency reported for June 2015- As of the statement ending April 30, 2015, Mr***’s next payment was due for May 9, 2015. There wasn’t any payment made on the loan until May 10, 2015. The payment of $that was made on May 10, didn’t meet the minimum payment needed to advance the due dateThere wasn’t any additional payment made on this loan until July 6, which was at the time fifty-eight days past due From the research and details explained above, the credit union has properly reported the delinquencies relative to Mr***’s loan to the credit reporting agencies. I am hopeful that this correspondence helps to resolve Mr***’s dissatisfaction relative to the proper reporting of his loan with the credit reporting agencies. If you would like to discuss this matter in further detail, please do not hesitate to contact me directly at (607)321- Sincerely, Christopher *** Vice President/Chief Lending Officer

Our policy states that any account opened less than a year will not receive the originally membership deposit of $*** *** account however was closed back on January 7th and she was given the $membership deposit back. Any questions regarding this matter, please feel free
to contact myself via the information listed below. Thank you, Briana W***Enterprise Member Service CoordinatorVisions Federal Credit UnionCountry Club RdEndwell, NY 13760Phone: 607.321.0652Email***

I am in receipt of complaint# [redacted] filed by [redacted] on September 11, 2017. I havereviewed the details of his complaint regarding improper reporting of a charge off on his creditreport and have thoroughly researched his concerns and have addressed them in further detailbelow.Mr. [redacted]...

claimed that he did not have an account with Visions Federal Credit Union. From hisclaim, I was able to determine the following:• Checking Account-On November 27,2012, Mr. [redacted]' checking account was chargedoff with a negative balance of $378.23 and reported as such.• Charge Off Paid in Full-Our records indicate that Mr. [redacted]' charge off as detailedabove was paid in full on November 30, 2012. At that time, we updated our recordsincluding showing the item as paid to ensure the credit bureaus were updated.• Credit Reporting---From the research conducted, we deleted this item directly with thecredit bureaus on September 12, 2017 and have verified that the item has been deletedfrom the credit bureaus.I am hopeful that this correspondence and actions help to resolve Mr. [redacted]' dissatisfactionrelative to the charge off reporting with the credit bureaus.If you would like to discuss this matter in further detail, please do not hesitate to contact medirectly at ([redacted]    Christopher [redacted]VP/CLO

April IS, 2015Dear Ms. [redacted]:I am in receipt of complaint # [redacted] filed by [redacted]. [redacted] on June 2, 2015.have reviewed the details of the complaint and have thoroughly researched his concernsregarding fees of $166.00 owed.Mr. [redacted] possessed a VisionsDirect checking account with Visions...

Federal CreditUnion. In researching his concerns as to why fees are owed, it was determined that an$8.00 monthly fee was assessed for not having direct deposit from October 2013 thruJuly 2014. Additionally, in February and March 2014, there were four instances wherebyACH withdrawals were requested from the VisionsDirect checking and funds wereunavailable. Each of the four withdrawal requests resulted in a fee of $25 .00 each. As aresult of the negative balance outstanding of $162.63, the VisionsDirect Checkingaccount was charged off and closed on July 28, 2014. Subsequently, this amount wasreported as charged off to the credit bureau.Visions Federal Credit Union prides itself of the philosophy of "People helping People"and as a courtesy, we are in the process of removing the derogatory status on the creditbureau and waiving the fees owed as a courtesy. We hope this correspondence helps toresolve Mr. [redacted]' dissatisfaction relative to the circumstances associated with hisaccount relationship. If you would like to discuss this matter in further detail, please donot hesitate to contact me directly at ###-###-####.Sincerely,[redacted]Assistant Vice President/Loan Operations Supervisorcc: [redacted]