ComplaintsforRiver Valley Credit Union, Inc.

• Initial Complaint

  04/24/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  River Valley Illegally repossessed my vehicle. I was in bankruptcy. My payments were up to date. They recieved a false complaint and decided to act without a court order or anything a repossess my car. I had to hire an attorney to get my car back which I did, but the damages caused exceed $5000, including legal fees. They have refused to do anything to correct. They ignore my attorneys letters. They ignore my emails. This is beyond scary that my rights can be violated so easily with no repercussions

  Business response

  06/04/2024

  May 31, 2024 

  Attn: ******** ********* (*************************) 

  Better Business Bureau serving Dayton & the Miami Valley 

  15 W. Fourth St., Ste. 300,  

  Dayton, OH 45402 

  Dear Ms. ********* - 

  River Valley Credit Union is happy to respond to ****** ********* complaint. 

  Mr. ******* filed a chapter 7 bankruptcy on March 3, 2022. River Valley repossessed the car  on May 16, 2023, and it was dropped off at Cronin Dodge on the evening of May 24, 2023.  The vehicle was only unavailable to him for eight days.  

  Ordinarily, the debtors receive a bankruptcy discharge within four months; however, in this case,  the discharge was significantly delayed until July 17, 2023. During that period, the state of  Ohio was investigating him for potential fraud for which he has been indicted. Had he not been  the subject of an investigation, the discharge would have been issued. River Valley didn't know  this, or they wouldn't have repossessed. There was no malice, and the loan was delinquent.  

  Mr. ******* had two different attorneys contact my office. There were numerous  communications between our office and the two attorneys. We promised to reimburse Mr.  ******* for any damages he actually sustained. It turned out that were no damages. The lease  agreement Mr. ******* provided was fraudulent, because he did not rent a vehicle until after the  2017 Dodge Challenger was returned. Contrary to Mr. ********* claim, the car was not  dragged down the road. The tow company took many pictures showing that it was not dragged.  (copies included). After our communications with the attorneys, they apparently abandoned the  claims.  

  Furthermore, a co-signer on the underlying debt alleged that he didn't sign the note with Mr.  *******. The co-signer alleged that Mr. ******* has engaged in forgery. 

  I trust this is responsive to your inquiry. Thank you. 

  Sincerely, 

  ******* ** Miles 

  Attorney at Law

  
  

  Customer response

  06/04/2024

  
  Complaint: ********
  
  I am rejecting this response because:

   

  You just admitted you had repossed my car for 8 days, but did no damage - and found no damage. Yet the bankruptcy court fine for that alone is $1000, secondly you said 2 different attorneys contacted you, which they did I paid for and had to pay for in order to get my car released which I did proving that alleged co-signer did sign. The co-signer was in the bank on camera signing documents for the car. Every piece of mail went to the co signers address. And you mention 2 things I was indicted but not convicted. And the co-signers allegations a year later have been found to hold no weight. Nor have I been charged for that. I was under the assumption I was innocent until proven guilty? So using that as a basis for a defense is not only shallow but doesn’t hold any weight. River Valley didn’t do their job. Period. Otherwise had you done your diligence , my car would not have been repossessed. Third my car was up to date on payments when you had repossessed, your only reasoning for repossession was based off an allegation made by the co-signer which I have not been charge and or convinced of. As far as dragging my car my attorneys sent proof of the driveway and street. The pictures you provided were not taken at my house or in my neighborhood, nor were they time stamped. My attorneys have tried contacting and resolving this for a year now and you have done nothing but stonewall and say this same exact thing over and over. What is the point of law and rights if they are to be violated so easily? I had to replace tires because my car was drug. The written statement from the tire dealer even stated that the tires had been worn from being drug. It was flat one side… You claim no damages but having to hire an attorney alone which you admitted too - and admitted you kept my car for 8 days. How does anyone with common sense calculate that to 0 damages that in itself not including the $1000 fine in bankruptcy court, and the other damages and expenses we have provided. I have tried even personally handling this and Mr Myles doesn’t even respond. Look how long it took for this response. This is what we’ve done for a year now. So break it down for me how you caused no damages or financial damages or stress etc… because had I not gotten an attorney and proved what you did I’d still be without a car. I’m out thousands and thousands of dollars. And River Valley has made 0 attempt to rectify the mistake they just admitted to making. I will be submitting this response to the bankruptcy court and my bankruptcy attorney as well. 

  
  Sincerely,
  
  ****** *******

• Initial Complaint

  05/02/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I am purchasing a car thru river valley bank i have insurance but they are try to make me pay them for having insurance on the car i have American family paying $204 my car payments are $447.89 they want me to pay $522 for there insutance

  Business response

  05/16/2023

  I have no record of receiving the original complaint from the BBB. I'm guessing the correspondence is going to my junk mail.  We have spoken to the customer about the insurance claim multiple times

  informing him of what we need to get the situation resolved.  Per normal process we require that the collateral on all auto loans have River Valley listed as "Loss Payee" on the insurance policy.

  To this date that has not been accomplished. Because we must have insurance on the collateral to protect us from loss should there be damage to the auto and we have had no action from our customer to make sure we are listed within a reasonable timeframe, we "force placed" insurance on the collateral and charged that to our customer.  The customer can get this resolved by going to his insurance agent and having us (River Valley Credit Union) listed on the policy as loss payee until the loan is paid off. If done quickly, the customer may receive a partial refund of the premium previously charged to his account. 

   

   

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