George's Auto Service

We resolved this issue for him. We pretty much redid the work and he was happy

August 23, Dear *** ***, This is a response to the complaint ID *** submitted by *** * *** on 08/23/Ms*** applied for and was approved for a vehicle loan at Landmark Credit Union on September 9, Landmark Credit Union requires full comprehensive and
collision insurance coverage as indicated in its loan documents executed by Ms***Ms*** failed to maintain the requisite insurance coverage on her vehicle between September 09, and April 28, which resulted in an insurance policy being purchased for her and the premium amount added to her loan balance. Upon receiving proof that Ms*** obtained the requisite insurance coverage, the premium was refunded to Ms*** on a pro-rata basisIn detail, Landmark Credit Union has contracted with Allied Solutions to complete verification of insurance coverage on its vehicle loansAllied Solutions sent three notices (1st Notice on October 28, 2015, 2nd Notice on November 11, and 3rd Notice on November 25, 2015) to Ms*** requesting that she provide proof of insuranceMs*** failed to respond to these notices or provide proof that she had obtained and was maintaining full comprehensive and collision insurance coverage on her vehicleOn December 22, 2015, Allied Solutions purchased insurance for Ms***’s vehicle loan and the insurance premium in the amount of $was added to the loan balance at Landmark Credit UnionOn February 11, Ms*** contacted Allied Solutions and provided proof that she had purchased liability insurance from Allstate InsuranceOn April 21, Allied Solutions received a new Allstate Insurance Policy showing that Ms*** purchased Comprehensive and Collison coverage with an effective date of 04/28/On April 26, Ms*** received $as a partial refund of the insurance premium in the form of a loan balance reductionBased on this information, Landmark believes that the issue has been resolved and no further action is needed on its partPlease do not hesitate to contact me should you require any further information in this matterThank you,

[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 still have no idea why landmark sent the account to collections as the gentleman said the account was set up on autopay without a missed payment

I have received the response stating that they have not had a return phone call. After initial contact with the cardholder I have called on numerous occasions and left messages for the cardholder to call me back. I can be reached at the number I left on the messages and would be glad to help them get this resolved

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
I do not agree because I was already paid Allstate for liability so therefore I should not have to pay Landmark for full insuranceIf anything, I should only have had to pay them for collision only and for only months of coverageThat does not average out to $dollarsAgain, this is not fair to me and it was a waste of my moneySo far, I have paid Landmark a total of $3,so my balance should not still be over a thousand dollars considering the fact that my original loan was only for $3,I have not had the loan a whole year so interest should be minimal
Regards,
*** ***

This issue was regarding a dispute. Disputes are handled through our current processor. We have contacted them to reopen the case. They are also looking into the issue of why the form was received by the customer the same day it was to be returned. I have been in contact with
the customer to work through this

We have recently been notified by our processor that they agree with the cardholder that the postmark was enough to substantiate the timely receipt of the dispute. A credit for the full amount was made to the account on 11/23/

Mr*** happens to be the most outrageous liar on the face of the planet! First of all he purchased the car with the aid of a Financial institution They would not approve the loan without a vehicle having to be inspected I met the inspector who came out and took a thorough
look at the vehicle from which the loan derived Not only did the inspector find a vehicle to be in great condition to other auto repair shops will service the vehicle found it to be in excellent condition as well Mr*** had buyers remorse for the vehicle was even deliver so he contacted a bogus repair shop to have five more details manufactured Vehicle was years old and has never been stated to be brand-new To add to the matter I also had three other potential buyers locally in my area who had three other potential buyers locally two of which who have to be local inspector that were also interested in purchasing Is the shame that the Revdex.com has to use valuable time listening to bogus complaints when they're real victims out there I am not willing to do anything for this so called buyer and I wish that never met him!

Dear *** ***, This is a response to the complaint ID *** submitted by *** C *** on July 10, Review of our records indicates that *** *** is not currently a borrower on any loan at Landmark Credit UnionAs a result, Landmark is unable to provide details regarding any
specific vehicle loanHowever, in general, full comprehensive and collision insurance coverage on a vehicle used as collateral for a loan is required from the date of purchase until it is paid in fullThis requirement can be found in the Motor Vehicle Consumer Simple Interest Installment Contract, as well as the Supplemental Credit Contract Provision, signed at the vehicle loan closing and provided to the borrowers Thank you,

January 30, Dear *** ***, This is a response to the complaint ID *** submitted by *** L *** on January 27, 2017.On December 9, Mr*** contacted Landmark and stated that his vehicle (Landmark loan #5522200-143) had been totaled on November 23, 2016; two documents were
mailed to Mr*** at his request for a GAP insurance claimAt this time, Mr*** had missed his vehicle loan payment that was due on November 26, On December 13, 2016, Mr*** again contacted Landmark and stated he had not received the GAP paperwork; the requested documents were then sent via email that same dayAs of December 13, no payment had been received for the November 26, due datePer Landmark’s collections procedures, Mr*** began to receive delinquency letters as well as phone calls regarding his vehicle loans past due statusOn December 20, 2016, Mr*** stated to Landmark’s collections department that he would not be making payments until the gap claim was resolvedOn December 29, 2016, Landmark received a payment in the amount of $17,from the United Services Automobile Association that was applied to vehicle loan #5522200-On January 4, Landmark received an additional payment in the amount of $10,from Zurich American Insurance CompanyA final payment in the amount of $from Chrysler World for a service contract cancellation was applied on January 23, bringing the vehicle loan principal balance to $1,083.65.On January 26, 2017, Mr*** contacted Landmark’s collections department and offered to pay the principal balance of the vehicle loan but not the accrued interest; Landmark agreed to accept a payment of the principal balance in the amount of $1,On January 27, 2017, Landmark reviewed the reporting of Mr***’s vehicle loan status with the credit bureausA day delinquency status was shown for Mr***; Landmark corrected the reporting with Equifax, Experian and TransUnion to display no delinquency for the vehicle loan #5522200-as of January 27, Please allow 7-business days for this correction to accurately show on the credit bureausOn January 30, the principal payment in the amount of $1,was posted to vehicle loan #5522200-Additionally, accrued interest in the amount of $414.64, as well as a late fee in the amount of $10.00, was waived bringing the total balance of vehicle loan #5522200-as of January 30, to $0.00.It is our belief that all concerns have been resolvedHowever, for additional questions regarding the status or reporting of vehicle loan #5522200-143, Mr*** can contact Landmark’s collections department at ###-###-####. Thank you, *** *** Legal Analyst Landmark Credit Union *** Tel: ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear belowFor your information, both disbursements from my pension fund were preset one the same date to occur on both months and top stop only for March, conditioned on the fact that Landmark would fulfill its side of the contractI kindly ask that you reconsider your stance before I have to take further actions to enforce the contract
Regards,
*** ***

August 10, Dear *** ***, This is a response to the complaint ID *** submitted by *** *** on 08/08/On January 16, 2016, Landmark Credit Union received an insurance check in the amount of $4,for *** ***’ vehicle loan at Landmark Credit UnionThe
outstanding balance on this loan as of this date was $1,Documentation enabling Ms*** to file a GAP insurance claim was mailed to her attention on January 16, On March 18, 2016, Landmark Credit Union received a pro-rated refund check in the amount of $for an extended warranty that Ms*** had purchased through Boucher Chevrolet in WaukeshaThe remaining balance of Ms***’ vehicle loan, after applying this refund, was $1,These payments were incorrectly applied to the loan as regular payments in place of “principal only” payments, which advanced the loan due date to December 21, The error was identified and corrected in July and Landmark Credit Union attempted to contact Ms*** on three separate occasions in July to notify her of this correction and the revised payment due dateThe attempts to reach Ms*** were unsuccessful and the vehicle loan was charged off on August 3, Ms*** spoke with an associate in Landmark’s collections department on August 8, 2016. Landmark investigated the situation, reversed the late payment charges and the loan write-off and corrected its reporting of this loan to the three credit bureaus. Correspondence was mailed to Ms*** on the same date confirming these actions taken by Landmark and again providing requisite documentation for filing a GAP claim and, in the alternative, urging Ms*** to make payment arrangements for the remaining loan balance of $1,Based on this timeline of events, it appears that Ms***’ concerns regarding this issue had been timely addressed and resolved prior to her submitting the complaint to the BureauPlease do not hesitate to contact me should you require any further information in this *** Thank you, *** *** Legal Analyst Landmark Credit Union ***@landmarkcu.com Tel: ###-###-####

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Per my rights in Regulation E, I believe there is more we could have doneIf I can't get the resolution I want, I want to make it clear to all consumers to not allow themselves to be taken advantage ofThey were rude to me, unhelpful and unwilling to go into the legalities of my rights to fight this.I will be issuing a reviewAnd still removing all my accounts from LandmarkEven if they couldn't help me, they could have been niceThere are a million other banks that will be nice to people, it seems credit unions are too comfortable with being rudeI still feel my rights are being violated, and someone needs to look into it
Regards,
*** ***