Elite Pipe Testing

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
The response is typical of my struggles in dealing with Arizona Federal Credit Union, no one takes the time to understand the real problem. Yes, I did have two loans with Arizona Federal. They were both charged off in January of 2010, as stated in the response. It is my believe that I settled both accounts with Arizona Federal Credit Union at the same time. I did not realize that only one of the accounts was reported as settled until I received a letter from AZFCU in February of this year. Since I did not receive the settlement agreement in writing, I began researching for proof that both were settled, however this was 5 years ago and I'm not sure which of my accounts I paid with. I asked AZFCU to send me what documentation they had and they refused. While continuing to research the matter, I received an email from my credit monitoring service that 2 NEW CHARGE OFFS had been added to my [redacted] credit report. I was confused because I have worked hard to rebuild my credit and all of my open accounts are current. I received a copy of my credit report from all three bureaus and, low and behold, AZFCU had reported TWO NEW CHARGE OFFS. To further complicate matters, all of these accounts start with the same 7 digits because they were associated with my member number and the remaining digits are masked so there is no way to clearly identify which account I am referencing so that someone can understand my issues. I am continuing to search for proof that I settled both accounts buy my complaint to the Revdex.com was regarding AZFCU's refusal to provide documentation and the erroneous reporting to the credit bureaus. Here are my problems: 1.) Credit Card Account: This was charged off in 2010 for $651 - that is correct, and confirmed in the response, although I believe I settled this debt and am looking for proof. However, the same account and trade line was reported to have been charged off AGAIN in May 2015 for $804. Let me be clear. The SAME account and the SAME trade line was reported to have been charged off TWICE by Arizona Federal Credit Union. The definition of "charging off" a debt supports that this cannot be true. AZ Fed can continue to try to collect on a charged off debt but they cannot claim to have charged it off multiple times on the same trade line and for different amounts each time. They did not charge off $651 AND then charge off $804 five years later on the same account. 2.) Personal Loan: This personal loan had a balance of $261 when it was charged off in 2010 then I settled it and that is correctly reported as paid for less than full. However, a second trade line was added this month for the same account, stating that it was charged off in May 2015. These are two different trade lines for the same personal loan, with different statuses. Once again, if they correctly state in their response that this was settled, how can it be charged off for a second time this month. This is new information that was added this month. According to [redacted] and [redacted], I have two NEW charge off accounts. I have attached a document showing how the two accounts are being reported.While I continue to look for documentation that both loans were settled, I would like for AZFCU to provide me with whatever written documentation they have. I would also like AZFCU to adjust their entries to all 3 credit bureaus to reflect the correct charge off date for account #1 and to remove the duplicate entry for account #2 that incorrectly states that it was charged off this month. The original entry for account #2 is correct: charged off in 2010 then settled for less than full.Regards,
[redacted]

[A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the response made by the...

business in reference to complaint ID [redacted] and find that this resolution would be satisfactory to me.  I will wait until for the business to perform this action and, if it does, will consider this complaint resolved.
Regards,
[redacted]

As previously stated in our communication with Mr. N[redacted], Bill Pay items are processed through a third party vendor. We guarantee delivery in that we will provide assistance in the rare event that an item is lost or not received, we will advocate for our member. Mr. N[redacted] seems to agree based on his own statement that he has "been using BP for years and has not had a problem with it."  The attached letter explains when the item was sent, has the check number, amount and payee. The items are not sent via priority mail ands thus do not have a [redacted] tracking number. We have refunded the $35 stop payment fee as of 5/16/16. This fee would not have been charged through our normal research process.

Due  to the highly regulatory nature of investments, this complaint is being handled directly through a member fo the investment team to ensure compliance. We demonstrated cost and provided advice. As previously stated, investment products are not insured the same way deposit products are, thus there is inherent risk in investing. This was demonstrated to the member and agreed upon at the time the investment product was purchased.

Due to fact that this complaint concerns investments which are provided through Arizona Federal but not insured like deposit products, a member of our investment team will be reaching out directly to you to attempt to resolve the issue. Thank you.

We have provided a voided [redacted] to the [redacted] on your behalf to clear up the duplicate amount. You will find a copy attached. We will now consider this issue to be resolved. Please contact us at ###-###-#### if you have further questions. Thank you for your membership!

Our records indicate that this issue has been resolved. Thank you!