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Zia Credit Union

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Zia Credit Union Reviews (8)

I am responding to the complain received on February 8, by Mr [redacted] *** We have researched the request submitted by Mr [redacted] and have come to the conclusion that the member did not make contractual payment obligations as set forth in the note and disclosure signed by the member We did have phone contact with Mr [redacted] in regards to his past due payments and do have documentation stating that Mr [redacted] was informed that past due payments will reflect negatively on his credit bureau Notices sent to Mr [redacted] also indicated that adverse impact this may have on his credit report We did receive a credit bureau dispute on the ***er and have declined to correct based on the delinquencies of the loan and was determined that this was not a credit union errorIt is a general practice of Zia Credit Union to report delinquencies on a loan if the payment is or more days past dueThis is also stated in the promissory note pertaining to the loan

? We understand that? you are concerned about Zia Credit Unions response to accepting payoff after days was incorrect.? We will accept payments? or payoffs on a? delinquent loan but will continue to reportthe delinquency? to credit bureaus if the loan is days or more delinquent.? A complete review of? Mr***'s loan history was completed and after the review we concluded the Mrand Mrs [redacted] were notified verbally and in writing of the delinquency of the loan.? You wereadvised of the negative impact that? would occur on your credit bureau if the loan was not brought current.? Late payments reported to the credit bureau include delinquent payment in August (days late),September (days late), October (days late) November (days late) and December (days late)? At this time? there will not be any changes made to your credit bureau.? If you have questions regarding this matter please contact me at ###-###-####? Sincerely,? Annitte L***Vice President/Chief Lending OfficerZia Credit Union

I am responding to the complain received on February 8, by Mr*** ***. We have researched the request submitted by Mr*** and have come to the conclusion that the member did not make contractual payment obligations as set forth in the note and disclosure signed by the
member. We did have phone contact with Mr*** in regards to his past due payments and do have documentation stating that Mr*** was informed that past due payments will reflect negatively on his credit bureau. Notices sent to Mr*** also indicated that adverse impact this may have on his credit report We did receive a credit bureau dispute on the ***er and have declined to correct based on the delinquencies of the loan and was determined that this was not a credit union errorIt is a general practice of Zia Credit Union to report delinquencies on a loan if the payment is or more days past dueThis is also stated in the promissory note pertaining to the loan

I am responding to the complain received on February 8, by Mr*** ***. We have researched the request submitted by Mr*** and have come to the conclusion that the member did not make contractual payment obligations as set forth in the note and disclosure signed by the
member. We did have phone contact with Mr*** in regards to his past due payments and do have documentation stating that Mr*** was informed that past due payments will reflect negatively on his credit bureau. Notices sent to Mr*** also indicated that adverse impact this may have on his credit report We did receive a credit bureau dispute on the ***er and have declined to correct based on the delinquencies of the loan and was determined that this was not a credit union errorIt is a general practice of Zia Credit Union to report delinquencies on a loan if the payment is or more days past dueThis is also stated in the promissory note pertaining to the loan

I do not agree with Zia Credit Union's response I called two months prior to inform Zia that the house was under contract to sell and if I could hold off on payment to be slightly late past the days while waiting for the process of selling to happen the 1st two months that I contacted Zia I was told that it would be OK It was not until the 3rd month that I called to get another payoff amount and inform Zia that I would be late again while waiting for the house to sell that Zia informed me that they had been reporting the late payment to credit bureaus I am not denying what was in my contract or that Zia informed me on the 3rd month that they were reporting My complaint is that on the 1st two months of calling and informing Zia that they indicated to me it would be OK to be a little late while waiting for the house to sell I took Zia's "OK" response that they would not report a few days late past the day period to the credit bureaus If Zia Credit Union had indicated to me on the 1st phone call that it was not "OK" then I would have made sure the payments were on time regardless of the payoff amount not being correct when the sale was final.Thank you, *** ***

I do not agree with Zia Credit Union's response I called two months prior to inform Zia that the house was under contract to sell and if I could hold off on payment to be slightly late past the days while waiting for the process of selling to happen the 1st two months that I contacted Zia I was told that it would be OK It was not until the 3rd month that I called to get another payoff amount and inform Zia that I would be late again while waiting for the house to sell that Zia informed me that they had been reporting the late payment to credit bureaus I am not denying what was in my contract or that Zia informed me on the 3rd month that they were reporting My complaint is that on the 1st two months of calling and informing Zia that they indicated to me it would be OK to be a little late while waiting for the house to sell I took Zia's "OK" response that they would not report a few days late past the day period to the credit bureaus If Zia Credit Union had indicated to me on the 1st phone call that it was not "OK" then I would have made sure the payments were on time regardless of the payoff amount not being correct when the sale was final.Thank you, *** ***

? We understand that? you are concerned about Zia Credit Unions response to accepting payoff after days was incorrect.? We will accept payments? or payoffs on a? delinquent loan but will continue to reportthe delinquency? to credit bureaus if the loan is days or more delinquent.? A complete review of? Mr***'s loan history was completed and after the review we concluded the Mrand Mrs*** were notified verbally and in writing of the delinquency of the loan.? You wereadvised of the negative impact that? would occur on your credit bureau if the loan was not brought current.? Late payments reported to the credit bureau include delinquent payment in August (days late),September (days late), October (days late) November (days late) and December (days late)? At this time? there will not be any changes made to your credit bureau.? If you have questions regarding this matter please contact me at ###-###-####? Sincerely,? Annitte L***Vice President/Chief Lending OfficerZia Credit Union

We understand that you are concerned about Zia Credit Unions response to accepting payoff after 30 days was incorrect.  We will accept payments or payoffs on a delinquent loan but will continue to reportthe delinquency to credit bureaus if the loan is 30 days or more delinquent. A complete review of Mr. [redacted]'s loan history was completed and after the review we concluded the Mr. and Mrs. [redacted] were notified verbally and in writing of the delinquency of the loan.  You wereadvised of the negative impact that would occur on your credit bureau if the loan was not brought current.  Late payments reported to the credit bureau include delinquent payment in August 2015 (30 days late),September 2015 (60 days late), October 2015 (30 days late) November 2015 (30 days late) and December 2015 (30 days late)  At this time  there will not be any changes made to your credit bureau. If you have questions regarding this matter please contact me at ###-###-#### Sincerely, Annitte L[redacted]Vice President/Chief Lending OfficerZia Credit Union

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Address: PO Box 490, Los Alamos, New Mexico, United States, 87544

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