Columbine Federal Credit Union

I have reviewed Ms*** file and account and did notice that we did pull funds from her account after the loan was paid off. The funds were placed into Ms*** savings account as the loan was paid off. Effective 4/10/Ms*** account was closed and a check for all
remaining funds in the account have been mailed to the address we have on file. I have tried to contact Ms*** on several occasions to speak to her, apologize for the funds being pulled and to make sure we have all the correct information on file but have been unsuccessful At the time of closing a loan, insurance requirements are covered in detail and an agreement to provide insurance is signedI have attached an agreement that Ms*** did sign with us referencing that insurance was on the vehicle and that insurance would need to be maintained on the vehicle for the entire Finance Contract. Letters that are sent out are only to notify members that insurance requirements are not currently being met and that there is a possibility that forced place insurance would be added by us to cover the vehicle. I am sorry to hear that Ms*** felt these insurance letters were threating and are only sent for informational purposes. I do apologize for any inconvenience this has caused Ms*** as we thrive to provide great service to all our members

In researching this complaint, Mr. [redacted] refinanced the motorcycle out of his wife’s name, but both Mr. [redacted] and his wife requested and signed paperwork to remain on the title. The purchase date of 06/18/2015 per this complaint is not the date that Mr. [redacted] refinanced the loan. That date...

was 02/06/2016. Columbine completed our title work on 02/11/2016, 5 days after the refinance was completed. Since that date, Columbine would have released our lien on this motorcycle per normal procedure had Mr. [redacted] attempted and completed a refinance of his motorcycle to another lender. The title issue associated with this complaint was a secondary title change that Mr. [redacted] requested after the initial title work was completed and is a highly unusual request. Mr. [redacted] and his wife then wanted to remove her from the title work. Since Columbine had completed title work per the original loan documentation, our tracking system showed the title work step completed and did not alert us of any pending request. Upon discovery that Mr. [redacted] secondary request was not completed to his satisfaction, the Credit Union worked diligently including 3 trips to county offices, one due to Mr. [redacted] failure to update his address with us, to resolve this issue. Mr. [redacted] states he talked to the company on 01/10/2018. On 03/08/2018, Columbine had completed the second round of title work, at no cost to him. This complaint was launched on 04/02/2018 well after the issue was already resolved. As for the late fees, Mr. [redacted] is held to the same standard as Columbine’s other members with an active loan obligation. A title work issue does not prevent a person from making their payment on their due date or within their grace period, therefore we will not be refunding any late charges associated with this account. Columbine FCU

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 as I have (as of 4/14) received a check with the money owed to me. I might add, however, that their claim to have contacted me is false, and their attachment regarding the insurance also makes no mention regarding minimum deductible, and therefore enforces my claim that there was no documentation at time of purchase that included that there was anything wrong with the insurance that I owned. I only add this to put on the record my experience in the hope that when this happens to another person there is documentation as to a pattern in Columbine's business practices. Thank you for you assistance in this matter. 
Sincerely,
[redacted]