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Williams Scrap Iron & Metals Reviews (31)

Generations Federal Credit Union has reviewed Mr [redacted] complaint and followed all due diligence required by regulationMr [redacted] has been informed of the reasons for the decision

As I mentioned previously, we are limited in our response because we cannot provide specific account details on Ms [redacted] ’s accountsAdditionally, she’s requesting that we make special exceptions for her account which would violate federal lending practices.I’ve tried to re-word our response to better reflect thatAs I mentioned in my letter, we strongly encourage her to contact our Vice President of Risk Management in order to address specifics on her account.Don’t hesitate to let me know if you have any questions.Thanks again!Kindest Regards, [redacted]

[redacted] , vice president of branch operations for Generations Federal Credit Union, left a voicemail for Ms [redacted] on 9/6/after she tried calling him He finally spoke with her on 9/28/ He apologized for not responding in a timely manner and for the frustration she felt regarding the issues she had experienced with her card Mr [redacted] was able to provide an explanation for her card issues He asked her to please call him directly if she ever experiences service issues again.Please let me know if you or Ms [redacted] have any questions or require anything else Thank you

One of our operations support specialist called Mr [redacted] this afternoon, and confirmed his request to close his accountShe has mailed him a check for the total funds still in the account

Generations FCU is limited in our ability to respond to this particular complaint due to federal privacy laws that protect member account informationHowever, speaking in generalities, federal law requires that a Veterans Administration disability benefit check must be direct deposited into an account that has the disability recipient listed as either a primary signer or a cosignerBy law, disability checks cannot be deposited into accounts where the individual who is receiving the benefit is not listed on the accountAs with every financial institution, there are automatic processes in place that reject these types of deposit errorsIt is important to note that personal payroll direct deposit requirements are different from those of VA disability benefitsWith regard to the vehicle refinance, there are again several privacy regulations that prohibit us from fully discussing the issue with a third partyAs mentioned in his complaint, Mr [redacted] has indicated that he has paperwork showing an error was made by our credit unionWe have contacted him on repeated occasions to request copies of these itemsHowever, he will not provide us with that documentation and has indicated that he will only speak with the Revdex.comWe would again request that Mr [redacted] contact our Vice President of Risk Management, J [redacted] at [redacted] in order to resolve this issueShould you have any additional questions regarding this complaint, please do not hesitate to contact me at [redacted]

September 18, [redacted] Revdex.com La Posada Drive Austin, Texas RE: Generations FCU (GFCU) Complaint # [redacted] [redacted] Dear [redacted] Thank you for your phone call regarding the Revdex.com complaint filed against Generations FCU by [redacted] ***The Revdex.com ID number for this complaint is [redacted] Generations conducted a campaign promotion from April 13, through June 20, which offered an account credit of $to new members who: 1) Opened a new GFCU checking account 2) Enrolled in eStatements 3) Enrolled in Direct Deposit 4) Conducted at least debit transactions per month from the checking account for the first days after account openingEvery piece of advertising and collateral promoting this offer featured these disclosuresAdditionally, branch staff highlighted these disclosures during the account opening process, both verbally and through in-branch collateral materialsI am attaching for your review: 1) sample advertisement featuring the disclosures, 2) sample in-branch flyer featuring the disclosures, and 3) sample Staff FAQs that featured these disclosures as talking pointsUnfortunately, Ms [redacted] did not meet these requirements and thus was not eligible to receive the $creditWe sincerely regret that Ms [redacted] was not aware of the minimum requirements of the promotionHowever, the requirements were highlighted in every advertising and collateral material she received, in addition to being verbally presented during the account opening processWith regard to the held funds, Federal law requires Generations to place “holds” on funds that are deposited into newly established accounts, as required by Regulation CC, also known as the Funds Availability DisclosureThe hold times outlined in Regulation CC are based on the amount of the deposit, type of deposit, as well as length of relationship with the memberThese holds are an industry requirement and occur at every depository financial institutionMembers are made aware of Regulation CC during the account opening processWe verbally walk members through the Membership and Account Agreement (which outlines Regulation CC), and they are provided a copy at that timeAdditionally, the Member Service Agreement is available on our website and mailed to any member who requests it at any timeI am also attaching a copy of our Membership and Account Agreement for your reviewShould you have any additional questions, please do not hesitate to contact me directly at [redacted]

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]

Complaint: [redacted] I am rejecting this response because:generations failed to pay off the original loan as they claimed they paid in fullWhen given the paperwork provided by the original finance company, generations failed to resolve the issue causing both the original finance company and generations to require myself to make monthly payments, totaling around $a month, or both, the original financial company and generations were theatening to repossess the vehicleHad generations looked into the problem, they would have seen that they did fail to pay the full original amount to the first finance company and they could have finished paying them as they stated in our loan contractGenerations admitted to not originally paying off the first finance company when they sent me a letter a month after I turned in the vehicle, stating that at that time, they finally paid the rest of the amount unpaid to the original finance companyHad they taken these corrections first instead of waiting until after I turned in the vehicle, I would have been able to keep my truck and they would have gotten the loan paid offGenerations was negligent in their own paperwork and competence of doing their job and business and my credit and myself should not have to suffer negatively just because they didn't want to correct their own mistakes and instead tried pushing it on myself, the consumer Regards, [redacted]

Please find attached our response to the Revdex.com ComplaintUnfortunately, due to federal laws regarding member account privacy, we are very limited in the response we are able to provideWe cannot provide specific account information that would help clarify the situationWe have attempted to contact Mr [redacted] on several occasions, however, he will not speak with us and indicates he will only speak to the Revdex.com

Dear Ms [redacted] : Thank you for your phone call regarding the Revdex.com complaint filed against Generations FCU by Ms [redacted] The Revdex.com ID number for this complaint is [redacted] It is important to note that due to federal privacy regulations on member accounts, we are limited in our ability to fully respond to Ms [redacted] ’s concernsHowever, in response to Ms [redacted] ’s request that either Skip-A-Payment or a hardship loan be offered, Generations’ policies and procedures indicate that both these products are only available to members who have a satisfactory repayment history, and/or no loan charge-offs on their accountAccordingly, as Ms [redacted] indicated in her complaint, her current loan is not eligible for our Skip-A-Payment feature, and she is not eligible for a hardship loanWith regard to the ability to email payment information, due to security purposes, Generations does not currently offer this serviceEmail is not considered a secure method of communication as we cannot ascertain who is sending the email without proper verification proceduresIn the past, Generations occasionally allowed members to contact our Member Solutions Department via emailHowever, due to recent internal policy changes as a result of federal privacy regulations, we do not accept payment requests via email from any memberHowever, we do encourage Ms [redacted] to setup online payments through her primary financial institution's bill payment system which will allow for timely receipt of her GFCU loan paymentShould you have any additional questions, please do not hesitate to contact me directly at [redacted]

Complaint: [redacted] I am rejecting this response because:All contact information that GENERATIONS FCU has provided me is invalidI cannot contact a fake merchant for my money back I was unaware that it was a fake website until adidas verified that the link I used is unauthenticI would love to have better assistance in being able to contact the merchant who responded to the dispute Regards, [redacted]

Complaint: ***
I am rejecting this response because: I want to hear what their final resolution is to this matter since they stated they are looking into the situation
Regards,
*** ***

Revdex.com:
I guess once the business saw my Revdex.com complaint they found my contact
information and helped me close the account and retrieve my funds.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 ***, and find that this resolution is satisfactory to me
Regards,
*** ***

Please note that we are researching the complaint submitted, and will provide our response to the complaint by Monday, Nov. 6.  Thank you.

Generations Federal Credit Union has reviewed Mr. [redacted] complaint and followed all due diligence required by regulation. Mr. [redacted] has been informed of the reasons for the decision.

Our Vice President of Branch Operations, [redacted], spoke with Mr. [redacted] to understand what happened and learn how we could have handled his transaction better. Mr. [redacted] explained that he was able to have Wells Fargo reverse the full cash advancement fee back to him and therefore, no longer feels that the credit union owes any refund to him. The credit union will review its internal procedures and training to better address situations like this in the future.

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]

Please find attached our response to the Revdex.com Complaint. Unfortunately, due to federal laws regarding member account privacy, we are very limited in the response we are able to provide. We cannot provide specific account information that would help clarify the situation. We have attempted to contact Mr. [redacted] on several occasions, however, he will not speak with us and indicates he will only speak to the Revdex.com.

Generations FCU has researched this complaint to Revdex.com.  GFCU does not refund transactions initiated and authorized by an account holder. Refunds must be issued by the seller, which would then be credited to the account.

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Address: 2014 Westside Ct, Augusta, Georgia, United States, 30907-9299

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www.kennedyautomarine.com

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