Patapsco Federal Savings/Loan Assn

I am writing in response to the complaint filed by [redacted] regarding the loan for her Chevy Trailblazer On March 24, 2015, First Financial Credit Union (FFCU) sent a package (via Federal Express) to Ms [redacted] and Mr [redacted] containing a letter of explanation of the loan documents executed by the borrowers on September 17, 2012, copies of the executed Loan and Security Agreements and Disclosure Statement, a copy of the Loan Application, a spreadsheet showing the payment history including all fees and charges added during the loan (to date), and copies of the available statements dating back to September when the loan was originated The spreadsheet accounts for accrued interest, collected interest, principal payments, payments of late fees and charges added to the loan (i.ecredit insurance, other charges-with explanation provided to the borrower) An adjustment was made to the loan in the amount of $ to refund fees charged in error According to our records, this is the only error on the loan transaction history As of the end of the day on March 25, 2016, we have validated the principal balance of the loan when comparing the spreadsheet to FFCU’s system of record FFCU has also validated the information reported to all three credit reporting agencies since June when the data was converted from Chino Federal Credit Union’s system to FFCU’s system FFCU has reported the loan information according to our records Ms [redacted] is encouraged to provide any receipts or accounting she has of the loan in order to compare it to the credit union’s records We would be happy to work with her regarding this As I stated to Ms [redacted] in our telephone conversation on March 18, at 4:pm, the goal is to come to a resolution that is amendable for both Ms [redacted] and FFCU