Complaints

This profile includes complaints for AllSouth Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  AllSouth Federal Credit Union

  730 Elmwood Ave Columbia, SC 29201-2002

  
• 

  AllSouth Federal Credit Union

  710 Dutch Square Blvd Columbia, SC 29210-7330

  
• 

  AllSouth Federal Credit Union

  7454 Woodrow St Irmo, SC 29063-2830

  
• 

  AllSouth Federal Credit Union

  1342 Wilson Rd Newberry, SC 29108-3048

  
• 

  AllSouth Federal Credit Union

  301 N Main St Saluda, SC 29138-1352

  

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:01/17/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  AllSouth received full refund of cancelled Gap insurance. The insurance was cancelled on 4/1/2024 drafted check was payable to Allsouth instead of Consumer. Check was dated 4/24/2024.
  a check for auto sale was in amount 24,795.00 miscellaneous charges were duplicated which brought up sum payable sum for 24,200, only amount itemized on bill of sale was 222.00. +

  

  Business Response

  Date: 01/21/2025

  January 21, 2025
  
  Better Business Bureau
  Central South Carolina and Charleston
  
  RE:  Better Business Bureau Complaint
   BBB Case # ********
  
  This letter is in
  reference to a complaint filed with the Better Business Bureau (BBB) on 1/17/2025,
  pertaining to a refund of a Gap
  insurance premium originally included in a financing contract between AllSouth
  Federal Credit Union and ******* ***** (complainant).
  
  According to our records, Ms. ***** purchased, and we
  provided financing for, a **** ***** ******* from ******** ********. Included
  in the purchase of the vehicle, Ms. ***** also purchased GAP insurance in the
  amount of $699. The $699 was included in the total amount financed by Ms. *****
  with AllSouth Federal Credit Union. The GAP insurance was cancelled, and
  AllSouth Federal Credit Union received a check dated 4/24/2024 from Carolina
  Chrysler in the amount of $699. The full amount was credited to Ms. *****’s
  loan on 4/29/2024 reducing the balance she owed us. 

  
  Ms. *****’s signed contract shows the price of the GAP
  insurance is $699 and she received a full refund.

  
  Should you have
  any questions or need any further assistance, please contact our Risk
  Management Department at (803) 743-1907.
  
  Sincerely,
  
  Risk
  Management
  AllSouth
  Federal Credit Union

  Customer Answer

  Date: 01/27/2025

  I disagree the balanced was manipulated after orginal loan amount. From 40,800 to over 41k

• Initial Complaint

  Date:04/24/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a dispute with card services in February 2024, they immediately refunded the money that was fraudulently taken from my checking account. Then on April 16th,2024 they decided to deny my claim and take the money back which over drafted my account over $300. I was then told that they determined no merchant error occurred. They refuse to look into it further as it was clearly fraud and they are punishing me for it. They have since revoked my debit card and removed my access to any money that may go into our account as it is a joint account. I just want them to give us our money back and let us move on with our lives. $300 is a lot for us to lose but they refuse to help in any way.

  

  Business Response

  Date: 04/30/2024

  Good afternoon,

  We have completed our investigation and mailed a copy of the attached document to Mynnda A*****.

  Dear Ms. A*****,
  
  We have received your complaint regarding a card dispute filed with AllSouth’s Card Service department in February 2024. Your complaint states AllSouth immediately refunded the transactions and then denied your claim on April 16, 2024. After denying your claim, the funds were debited from your account causing a $300.00 overdraft. In addition to denying your claim, your card access was revoked. You have indicated your desired resolution is for AllSouth to return your money.
  
  AllSouth’s Risk Management department has investigated this matter. According to our research you disputed debit card transactions associated with a Merchant. After receiving your dispute our Card Department provided a provisional credit pending further investigation.
  According to the Merchant you established an account with them on August 29, 2022 and linked your bank account and debit card. You also linked your debit card to the Merchant’s App. The Merchant indicates you received three cash advances. The funds were credited to your AllSouth account and you agreed to a repayment date of February 2, 2024. The Merchants automated system collected full payment on February 2, 2024 and the repayment was verified.
  Based on our investigation we have determined you benefited from funds credited to your account from the Merchant. We have also determined based on your agreement with the Merchant the repayment was completed through an automated debit from your account which they completed. Consequently the provisional credit issued to you was reversed and we found you are responsible for the transactions between you and the Merchant.
  Should you have any questions or need any further assistance, please contact our Risk Management Department at (803) 743-1907.
  Sincerely,

  
  Risk Management
  AllSouth Federal Credit Union

• Initial Complaint

  Date:04/08/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  There seem to be hard inquiries that have been furnished to my report without my written instructions and i was not given a nondisclosure option or an opportunity for it to not be disclosed to a third party. according to 15 U.S. Code § 6802 it says that A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless—
  (A)such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party;
  (B)the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party; and
  (C)the consumer is given an explanation of how the consumer can exercise that nondisclosure option. and 15 U.S. Code § 1681b says Subject to subsection (c), any consumer reporting agency may furnish a consumer report under the following circumstances and no other:
  (1)In response to the order of a court having jurisdiction to issue such an order, a subpoena issued in connection with proceedings before a Federal grand jury, or a subpoena issued in accordance with section 5318 of title 31 or section 3486 of title 18.
  (2)In accordance with the written instructions of the consumer to whom it relates. please have these deleted

  

  Business Response

  Date: 04/11/2024

  Re : Makel
  ******** Complaint

  We have read
  the complaint regarding the use of credit report data and the subsequent
  inquiries.  We have responded directly to
  Mr. ********, and summarize the response here. 
  Mr. ******** was informed
  that the two hard inquiries on his credit file were the result of his auto loan
  request on October 25, 2022. In order to underwrite the request, his personal information
  was appropriately shared with a vendor partner.
  
  Addressed In the complaint
  was Title 15 US 6802- Obligations with Respect to Disclosures of Personal
  Information. In this code there is a section  (2) Exception which reads as follows:
  
  This subsection shall not prevent a financial
  institution from providing nonpublic personal
  information to a nonaffiliated
  third party to perform services for or functions
  on behalf of the financial
  institution, including marketing of the financial
  institution’s own products or services, or
  financial products or services offered pursuant to joint agreements between
  two or more financial
  institutions that comply with the requirements
  imposed by the regulations prescribed under section 6804 of this title,
  if the financial
  institution fully discloses the providing of such
  information and enters into a contractual agreement with the third party that
  requires the third party to maintain the confidentiality of such information.
  Mr. ********
  received a copy of the attached Privacy Notice dated 1/30/2020, which complies
  with this requirement. This document is provided to all members/customers at
  the time the membership savings account is opened. It explains Sharing of Personal
  Information. His account was opened in 2020, and he would have received this
  document.

  Mr. ******** also referenced Title 15 US Code
  1681b- Permissible Purposes of Consumer Reports.  As stated in his letter, the section states “Any consumer reporting agency may furnish a consumer
  report under the following circumstances and no other.” Please note that in the list of circumstances, the one marked
  (F) states, “Otherwise
  has a legitimate business need for the information- (i) in connection with a business
  transaction that is initiated by the consumer.”  Both AllSouth and the vendor partner had a
  business need for the credit information, in order to underwrite the loan
  request.
  
  In addition,
  new members/customers are also given a Membership and Account Agreement at the
  time of membership. In this document, there is a section on Credit Reports,
  which discloses that AllSouth will use credit reports to verify eligibility
  for membership, services, or loan products, now and in the future. We
  informed Mr. ******** that if he no longer had the copy he was provided, and he
  wanted one, we would make arrangements to get him this multi- page disclosure. 
  In summary, obtaining the credit report and sharing of personal
  information was appropriate and properly disclosed.  And because the credit inquiries were the
  result of a transaction initiated by Mr. ********, we are unable to delete them.
  We did share
  with him that according to Equifax online, hard credit inquiries generally stay
  on your credit report for two years, but they typically only affect your credit
  score for one year.  Since these two
  inquiries were dated October 2022, they may automatically drop from his file by
  the end of this year. 

  
  Thank you
  Shari P*****
  Chief
  Lending Officer
  803 7**-****

  Customer Answer

  Date: 04/12/2024

  I am rejecting this response because: you need to supply evidence of me initiating a business transaction because I told all south on the phone that I did not apply for the loans that were shown in the records. I need proof of signed documents and if anything on record was a consumer credit transaction please note that there’s a difference between consumer credit transaction and business transaction. For all I know this can be fraud or identity theft 
  
  
  
  Sincerely,
  Makel ********

  Customer Answer

  Date: 04/12/2024

  It still says in 15 US code 1681a (4)
  There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy. so I have a right to privacy not a privilege. I don’t want anything that’s between me and the business that I’m coming in contact with to furnish my private manners to a third party. And It says in 15 US code 1681a (2) Exclusions.—Except as provided in paragraph (3), the term “consumer report” does not include—
  (A)subject to section 1681s–3 of this title, any—
  (i)
  report containing information solely as to transactions or experiences between the consumer and the person making the report;. So consumer report has nothing to do with transactions or any experiences between consumer and a person. 

  

  Business Response

  Date: 04/15/2024

  Good afternoon,

  In the rebuttal the consumer
  references the consumer reporting agency’s responsibilities. It should be noted
  that AllSouth is not a consumer reporting agency. Additionally, the consumer
  references Title 15 US code 1681a (2) Exclusions, -Except as provided in
  paragraph (3), the term “consumer report” does not include—(A)subject to
  section 1681s–3 of this title, any—(i)report containing information solely as
  to transactions or experiences between the consumer and the person making the
  report.
  
  In the same section code
  1681a (d), a credit report is defined as follows:
  d) The term
  "consumer report" means any written, oral, or other communication of
  any information by a consumer reporting agency bearing on a consumer's credit
  worthiness, credit standing, credit capacity, character, general reputation,
  personal characteristics, or mode of living which is used or expected to be
  used or collected in whole or in part for the purpose of serving as a factor in
  establishing the consumer's eligibility for (1) credit or insurance to be used
  primarily for personal, family, or household purposes, or (2) employment
  purposes, or (3) other purposes authorized under section 1681b of this
  title.
  
  The consumer’s rebuttal does
  not change AllSouth’s response to the original complaint. Thank you.   

  Customer Answer

  Date: 04/16/2024

  I am rejecting this response because: you have said that you’re not a consumer reporting agency but it says that a financial institution is considered a bank if it furnishes information other then transactions and experiences with the consumer. It mentions that in 15 us code 1681a (p) -Consumer Reporting Agency That Compiles and Maintains Files on Consumers on a Nationwide Basis.—The term “consumer reporting agency that compiles and maintains files on consumers on a nationwide basis” means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer’s credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide:
  (1)
  Public record information.
  (2)
  Credit account information from persons who furnish that information regularly and in the ordinary course of business.

    You furnished my consumer report to a third party with information about our transactions experiences and that’s a violation under 15 us code 1681a (d) (2) (that I’ve mentioned. The main consumer reporting agencies have told me to contact you to remove inquiries because they are unable to remove it because it came from you reporting that information. You also have said you can’t delete it because I initiated the “transaction” im putting you on notice that I’ve already sent affidavits to the 3 main reporting agencies and that this is a violation under 15 us code 1681a (d) (2) 15 us code 1681e and 1681n for not complying and more.. you’ve proved to to me that you can disclose information under 15 us code 1681b of permissible purposes but that still doesn’t mean you can furnish information of transactions and experiences. You will be considered as a consumer reporting agency for furnishing information to a third party because you do that regularly to ppl who make applications.. I’m just asking respectfully that you just delete those inquiries before I move forward with a lawsuit. It sounds like you have that ability to do they since you said you can’t delete it “because” of a transaction initiated by me.

  Sincerely,
  Makel ********

• Initial Complaint

  Date:03/27/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Since 2021 I have been an established member. I have referred more than three loans to this institution.
  I went into the local branch and consulted with the branch manager as she witnessed the erroneous charges to the loan. Multiple unjustifiable figures not matching both legal binding documents.
  I was redirected by branch manager on Two Notch Rd SC to go back to the dealership to rectify the issue prior to the loan being funded. I immediately contacted the GM as he declared that it was too late because of some other underlying issues that has been filed with that dealership Chrysler Jeep Lugoff.
  I called customer line and requested they contact the dealership to demand an expedited payoff. The rep admitted to me being the phone line after I expressed great concern of two loans being on my account. I was left burdened with two loans on my account and was told they only look at the bottom number when financing a loan through any dealership.
  I asked what would be the difference had I walked in with a buyers order. I go onto inquire was it ethical to finance a rebate. I got egg face response.
  I was advised by Nicole Elmwood location that it didn't take 12 days with per diem to payoff old loan. That was the best advice she offered which I already knew that.
  
  I further expressed there a mark up from the sticker price, still no resolve. Nicole did not advocate for me as member of the credit union whereas I already have direct deposit and previous auto loans within the establishment.

  

  Business Response

  Date: 04/01/2024

  Good afternoon. We are working to provide a response to this complaint. 

  Respectfully,

  

  Business Response

  Date: 04/02/2024

  On Thursday, March 28, 2024 at 4:54 pm Ms. B**** contacted
  our call center and was transferred to our Director of Indirect Lending. Ms.
  B**** discussed several aspects of the vehicle purchase that she was upset
  about. None of these items were directly related to AllSouth Federal Credit
  Union. All of her concerns appear to be between her and the dealership where
  she purchased the vehicle.  It is our
  opinion that the disagreement is between Ms. B**** and the dealer; however, if
  there are any issues related to our financing of the vehicle we will be glad to
  address these with Ms. B****. Additionally, we attempted to contact Ms. Rosalyn
  B**** on April 1, 2024 for clarification regarding her complaint but were
  unsuccessful in contacting her.

• Initial Complaint

  Date:12/07/2023

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  im supposed to get paid today and my money is not on my account how long do it take for y’all to process direct deposit ***

  

  Business Response

  Date: 12/11/2023

  Good morning,

  We attempted to contact the complainant with no success. We have mailed the attached response to Ms. ******* *** and consider this matter closed.

  Thanks

  ******

  ************
  
  
  RE:  Better Business Bureau Complaint
   BBB Case # ********
  
  Dear
  Ms. ***,
  
  This letter is in
  reference to a complaint filed with the Better Business Bureau (BBB) on 12/7/2023,
  pertaining to Direct Deposit Issues.  Your claim filed with the BBB indicates you
  have not received payroll deposits from your employer.
  
  On 12/11/2023, we
  attempted to contact you at your phone number on file and the number provided
  in your complaint. We also reviewed your account transactions and noted you
  received credits to your account from Dailypay on December 9, 2023.
  
  Our conclusion is
  that AllSouth Federal Credit Union did not delay your payroll deposits and that
  you should contact your employer for any payroll issues. We recommend you
  review your payroll deposit information and verify you have used the correct
  routing number for AllSouth and your account number.
  
  Should you have
  any questions or need any further assistance, please contact our Risk
  Management Department at (803) 743-1907.
  
  Sincerely,
  
  Risk
  Management
  AllSouth
  Federal Credit Union

• Initial Complaint

  Date:06/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  The premise for my complaint is that I lost my job back to back through no fault of my own I notified my lender by filing for extension around 3/14/2023 as I was displaced letting them know i fell on hardship something went wrong to where they didn’t honor the request because they stated they were trying to call me to make a months payment but never left any messages stating such then I was notified through collections efforts that they denied it causing me to have to pay almost 1300 but that offer had expired before the expiration of when my car would be repo’d I had a really good rep who had worked with me giving me only a 30 day extension vs a 60 days now I have fallen back into the same situation because my situation hasn’t changed when I was contacted I explained to the rep I didn’t know when I could make the next payment she stated they’re most likely won’t honor another extension I explained my other creditors have given me 6 mos to allow me to get back on my feet, she basically offered me to make a payment arrangement instead a hardship program and said it’s reporting to my credit which is unfair if I’m trying to workout something before the worst outcome of losing my car and trying prevent negative markings on my credit before hand and no viable option is being provided other than to pay. 6/3023 received a call from J who advised me the would continue to call every 3 days and to speak with a loan officer because on 7/4/2023 the right to cure would expire but had no knowledge of what I advised starting from March so I’m being treated like a payment and nothing more as my creditor to provide relief. I don’t like the fact they have made money off me but does nothing to value the relationship nor the maintenance of and one department such as collections unable to bridge the gap to the point of notes reflecting the fact that I’ve extensively explained. And no one has said a word about the extension I recently requested.

  

  Business Response

  Date: 07/06/2023

  Good afternoon. A letter with the following response has been mailed to Ms. ******* ******. Please let us know if any additional information is needed.

  Dear
  Ms. ******,
  
  This letter is in
  reference to a complaint filed with the Better Business Bureau (BBB) on 6/30/2023
  pertaining to your auto loan payment extension request.  Your claim filed with the BBB states you received
  a previous 30 day loan payment extension and have been denied an additional
  extension request.
  
  An investigation was
  conducted by AllSouth Federal Credit Union’s Risk Management Department and
  found that you received a loan extension for your April 2023 payment. You
  signed a purchase and loan contract on 8/2/2022 for a term of 72 months and
  agreed to make payments. At the time of your loan extension only five payments
  had been made. It is AllSouth’s policy that six complete payments must be made
  prior to granting a loan extension. In this case an exception was made.
  
  AllSouth attempted
  to contact you multiple times following your previous request. On April 17,
  2023, we finally made contact with you and explained that an extension could be
  made for 30 days; however, the February and March payments had to be paid. You
  paid your February and March 2023 payments and the loan was extended 30 days. There
  have been no payments received since your April 2023 extension was granted. You
  reapplied for an extension on 6/13/2023 and it was denied.  Keep in mind no extension request will guarantee
  approval.
  
  Our conclusion is
  that AllSouth Federal Credit Union made every effort to assist you with bringing
  your loan current and you are responsible for payments based on your signed
  contract.
  
  Should you have
  any questions or need any further assistance, please contact our Risk
  Management Department at (803) 743-1907.
  
  Sincerely,
  
  AllSouth
  Federal Credit Union

  Customer Answer

  Date: 07/06/2023

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

• Initial Complaint

  Date:01/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Wrongful transaction OUT OF STATE (AUGUSTA, GA)
  - denied claim because card was in my possession
  -i was at work during this time I LIVE IN COLUMBIA, SC
  Will not return my $107 that was wrongfully taken from my account

  

  Business Response

  Date: 01/31/2023

  An investigation has been conducted by AllSouth
  Federal Credit Union’s Risk Management Department. Our investigation revealed
  the chip on your card was present at the time of the transaction. We also
  reviewed your Debit Card transactions and found there were five additional
  debits to your card on 12/13/2023 for services located in Columbia, SC.
  
  Based on our phone conversation on 1/31/2023 you
  stated you recall that you did make the charge of $107 to ****** in Columbia,
  SC and that you questioned the location for Augusta, Ga found on your statement.
  You stated you also want to withdraw the complaint since there was no error.

  We have completed a Memorandum to the Complainant and attached to this response.

  
  

• Initial Complaint

  Date:10/11/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We have pay off ours car payment loan on 4 of OCT 2022 All South Federal Credit Union fail to email or sent letter for title release. We have call multiple time and email in multiple email with proofing documents as all south requested us to sent. Also they have put force insurance on the loan account which we have insurance on the car, and we did email insurance letter as they requested as well. All south customers services was also rude over the phone very unpleasant and unprofessional manner to customers. We want the letter of release of the title to the car as was requested in the timely manner or farther else we willing to file lawsuits against all south federal credit union.
  

  

  Business Response

  Date: 10/28/2022

  Business Response /* (1000, 8, 2022/10/17) */
  On June 29, 2018, Ms. ****** ****** received funding from AllSouth Federal Credit Union for $35,353.06 for the purchase of a 2018 Honda Accord, VIN#***********XXXXXX. A letter to Ms. ****** dated April 23, 2019 indicated AllSouth was not able to verify insurance coverage and that Force Placed Insurance was added to the amount of her loan. The letter also informed Ms. ****** that if she had insurance to return a copy of the Policy to AllSouth Federal Credit Union. Fax number XXX-XXX-XXXX and e-mail **********************@allsouth.org was provided.
  On May 5, 2019, Ms. ****** was notified of Force Placed Insurance via mail to her address, *** **** ***** ******, Columbia, SC 29223. The Force Placed insurance was through Security Casualty Company with a premium of $6014.00; the loan balance at the time was $33,412.00. Ms. ****** provided proof of insurance several times; however, there was always an issue with the information provided. She sent in her proof of insurance for the time period needed but she only had liability insurance at that time. Without comprehensive and collision coverage, the force placed insurance could not be refunded. Ms. ****** was trying to pay off the vehicle loan but had $1,912.00 of force placed insurance from 2019 that also had to be paid.
  On October 5, 2022, there was a Bank to Bank wire from Navy Federal Credit Union to AllSouth Federal Credit Union for the amount of $17,680.00. The note on the Wire indicated Car Payment to the loan number ending in 8155. The title was released on October 7, 2022 to ****** ****** ******.