Bud's Used Auto Parts

Mr [redacted] has now complained four time regarding the same concern and Blue Federal Credit Union's position has not waivered The complaint has been addressed as of October 23rd with the National Credit Union Association providing both Mr [redacted] and the NCUA the supporting documentation

To Whom It May Concern: The signed Agreement to Provide Insurance and loan contract states that the borrowers must maintain the agreed upon insurance coverage Our member failed to maintain the proper coverage And, our member’s trying to sell the vehicle via consignment puts the loan into defaultBut in spite of these conditions, Blue FCU Collection Department would agree to waive the $insurance CPI chargeThe issue is considered to be one of communicationsWhile Blue FCU does not have the direct employees named (Marsha or Dee), and had our member reached Blue’s FCU’s Collection team, Blue FCU would have (and will) granted the waiver

Dear Mr [redacted] , In a phone conversation on December 1, with Blue Federal Credit Union’s Member Solutions Supervisor, Terri B***, you indicated your ability to provide proof of insurance coverage for your motorcycle from August – September 19, from [redacted] Insurance Company Once we receive proof of coverage, it will be forward to [redacted] who will determine the appropriate refund amount, if any The motorcycle will still be uninsured and the CPI remains in force from September – October 13, Regarding your comment about the CPI mandated time period, Blue FCU follows all legal requirements of CPI Furthermore, since this a fallback position to protect Blue FCU and its members when a borrower has no insurance on the collateral, we continuously reviews our legal requirements with respect to CPI

Complaint: [redacted] I am rejecting this response because: Due to the fact that, yes, it was reomoved, but prior to that I was under the impression I was returning the vehicle due to it being listed as a bankruptcy, so I had purchased a different vehicle I cannot afford to pay to car loans, I have paid $8,in payments, yet the balance due on the account is still the same as the purchase price I would like to offer to sell the vehicle and pay $2,in payments, to settle this matter As I stated, I cannot pay two car payments and insurance on vehicles I have my bills I pay on my own- rent, utilites, phone, a car payment, and $60,in student loans that I have in forebearance at this time that I will be starting to may payments on I cannot afford to end up having my wages garnished I am willing to make this offer, but not paying a full $13,as my payments, the majority of them, and the balance on this account is probably interest Regards, [redacted]

To Whom It May Concern: The complaint received 5/13/regarding Case ID# [redacted] , it is unfortunate that we are unable to provide Mr [redacted] his desired outcome The information on the website has been removed, so that it does not mislead any current or future members about the ability to sign up for automatic loan payments with a credit card On Thursday, May 26th one of our Financial Service Representative contact Mr [redacted] directly and explained this situation and offer his contact information should Mr [redacted] have any future questions or concern

Blue FCU contacted the member on After reviewing her concerns in detail, along with some of the elements that may have led to the complaint, an agreement was reachedIt was agreed upon that Blue FCU would refund the $115, and that these funds would be placed in the mail by the end of the business dayThe member was highly satisfied with this resolution

May 22, Mr [redacted] : Thank you for the opportunity to address your concernsWe researched your loan documents and it appears that your retail installment sale contract, retail purchase agreement, title application and mandatory full coverage automobile insurance agreement were signed by you on 03/06/The auto dealer selling you this vehicle is responsible for providing you with copies of these loan documentsYour signed retail installment sale contract confirms that the contract start date is 3/6/For example, your first payment was due 4/20/17, which is the standard days after the 3/6/contract dateEven though your loan request was funded on 3/24/17, you acknowledged this contract start date via your signature and your timely first payment Your retail installment sale contract and insurance agreement both state that you are required to provide and maintain full coverage on your vehicle “at all times” for the term of the contractThis insurance must cover our interests in the vehicleYour retail installment sale contract also states, “If you do not have this insurance, we may, if we choose, buy physical damage insurance” (Your Other Promises to Us, 2d-page 3)You stated in your complaint that you provided insurance coverage on 4/10/17, which was more than 30-days after your 3/6/contract dateYou also referenced having received a number of notices regarding your insurance coverage lapse (3/6-4/10/17)These notices were intended as timely reminders and to inform you of your obligation under the contractIt would appear that these facts provide an indication that the CPI insurance added on your behalf was not fraudulentHowever regarding your desired settlement, Blue FCU has taken steps to grant a waiver and refund of the $CPI charged against your loan, as a gesture of goodwillThis refund will tentatively occur by Wednesday, 5/24/We hope this action is sufficient to satisfy your concerns

Our member’s desired settlement statement requested delivery of the motor home title promptlyBlue FCU promptly made arrangements with [redacted] to satisfy our member’s request via a [redacted] shipment with a guaranteed delivery by 12PM on Monday, August 15, A telephone message was given to our member providing this information, along with the [redacted] tracking numberDelivery of the title was verified via the [redacted] online package deliver tracking system to have been to the address given in the member’s delivery instructions on Monday, August 15, at 9:AMWe are pleased that our member received this title promptly upon request

April 12, Dear Ms [redacted] , Thank you for informing the Revdex.com on April 5, regarding your payment book requestBlue Federal Credit Union (Blue FCU) apologizes that your first payment book request to our indirect lending partner did not get placed or processed correctly at the time you closed your loan (as payment coupon books are not provided unless requested)The intention of the February, March, and April payment coupons, provided to you in your welcome letter, was to assist you in making your first three paymentsOur records show that you called and spoke with a Blue FCU Member Solutions department employee on February 25, about making a paymentIn review of the recorded phone call, unfortunately a payment coupon book was not discussed The phone call discussion was limited to making a payment, which was received and posted as an ACH payment on February 27, Our records show that a Blue FCU Member Solutions department employee called you on April 4, about your loan paymentThat recorded phone call indicates that a payment coupon book was discussed and you were aware that payment coupon book requests can take up to days to receive The payment coupon book was ordered on April 6, Additionally, we are mailing you a couple of additional payment coupons for your use until your payment coupon book arrives With regard to your comments about appropriate paperwork and billing information, your signed loan documents, including the agreed upon monthly payment and due date, are ultimately intended to serve as your billing notification and reminder of your obligations under the agreement If you have any other questions or concerns, please don’t hesitate to contact our Member Solutions departmentThanks again

Our member was upset about delays in his loan’s payoff process, and the general service level he receivedThe Consumer Lending Supervisor contacted our member and after listening and apologizing, proceeded to formulate a resolution to his title situationOur member’s state DMV was able to provide the Supervisor with options that were then discussed with the member He decided that the completion of an emergency release of his electronic title would work best, enabling him to pick up his free and clear title at one of their service stationsOur member was reasonably happy with the final resolution

Dear Mr [redacted] ,We have received and reviewed your complaintYou stated that Blue FCU had erroneously posted a 30-day late payment on your credit reportYou also claim that Blue FCU refuses to fix itWe have reviewed your Blue FCU loan historyIt reflects that you have not had a late payment We also verified that your [redacted] credit history is reporting your Blue FCU loan account in a current status for the past monthsWe believe there must be some misunderstandingPlease let us know if you have received information from another credit bureau or other source so that we can review and possibly correct it.You can reach Alan A***, Member Solutions Manager, directly at [redacted] with any additional information.Thank you

On February 13, 2018, our member’s loan was reviewed once againIt determined that Sonya had provided exceptional documentation showing that the late credit hit and fees charged should be reversed The loan fee has been reversed, and her credit reporting has been corrected to reflect no late paymentsSonya was contacted by Member Solutions to inform her of these actions

February 6, Dear Mr [redacted] , Thank you for informing us about your missing check order It is unfortunate that the first order either did not get placed, as it should have, or did not get processed correctlyEither way, we apologize for that error In regards to the second order that was placed on January 24, 2016, I was informed by Ashlee, Contact Center Manager, that you have received your order I understand your last conversation with Blue Federal Credit Union to discuss this matter was on Saturday, February 4, We received the information that UPS would not deliver your checks as you live in an apartment complex, and they were leaving notices that were not getting to you so that you could resolve the matter It appears you found a sufficient workaround by having the checks delivered to your place of workThank you for your continued business

Revdex.com: I have reviewed the response made by the business, and find that this resolution is satisfactory to meHe was extremely nice to me and I really appreciated his willingness to listen and help Regards, [redacted]

In response to our member’s complaint, Blue FCU’s lending guidelines and retail loan contracts stipulate that for all secured loans, including ATVs; fire, theft, comprehensive and collision insurance are requiredIn keeping with this requirement, our member signed an insurance agreement when his loan was obtained in early MayBut proof of insurance was not provided in a timely mannerTherefore, our insurance vendor sent several notices informing him that he needed to comply with the insurance agreement and provide proof of insuranceIn August, forced-placed insurance was placed on the loan and an insurance premium was chargedProof of insurance was provided by our member in early September, so at that time an insurance premium refund was also extended to the loanThe difference between the insurance premium charge and the insurance premium refund was the insurance charge for the four month period of time that insurance was provided by Blue FCU prior to proof of insurance being provided by our member, per the signed insurance agreement

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To whom this may concern, I am composing this email go inform you that I have resolved my complaint with Warren Federal Credit UnionFeel free
to contact me with any questions.Regards,*** ***

Revdex.com:
I have reviewed the response made by the business, and find that this resolution is satisfactory to me
Regards,
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Complaint: ***
I am rejecting this response because: As a consumer being charged finance interest charge than being forced to pay a fee on top of the finance charge is not fair businessI am essentially being charged a fee to make a payment to themI will not be forced to take Blue's credit card to make payment on the auto loanIn addition Blue's site states "You can use the Payment Center to quickly and securely make your Warren Federal Credit Union loan payment using funds from another institution checking or savings account or an alternative credit card.E-check (ACH) fee is $10Credit/Debit card fee is $25Credit card transaction post as a purchase as opposed to a cash advance(This could save on fees and interest).Note: You can set up an automatic payment to avoid these chargesCall 1-*** or toll free at 1-800-*** to speak to a credit union representative.and does NOT state that the credit card has to be from Blue's Credit cardI have a credit card that I can set up for automatic payments to avoid the charges as state on there site (see snap shot taken off their site)Additionally Blue is punishing costumers for not having Blue designated as their bank for all there banking needsI have a bank I bank with
Regards,
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Dear Mr***, We have received and reviewed your complaintYou stated that Blue FCU had begun charging you a monthly inactivity feeWe do show that a courtesy letter was mailed to your *** address on December 31, The letter notified you that beginning on January 31, 2017, your account
would began receiving inactivity fees. We understand there may have been an issue receiving mail at the *** address As a courtesy, we are mailing you a check for $50.00. This amount represents the refund you requestedWe are mailing the check to the address on file, which you updated April 10th, during your phone call with our Contact Center RepresentativeWe hope that you will consider using Blue FCU for your future lending needsThank you

Complaint: ***
I am rejecting this response because: Months long issue of gross negligence by Blue Federal Credit Union.where they falsely reported nonexistent account and reported credit information and datesFirst they denied the issue and verified the information as correctIt took months to correct due to negligence.They were originally provided the information months ago and then failed to take actionNot resolved
Regards,
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