8/11/25 emailed to AZFCU attorney:
Kendall Wilson
Senior Associate
Kendall.Wilson@swmllp.com
(818) 241-0103 ext. 246
https://swmllp.com
Wasted ANOTHER entire day. Lots of research, and working to shorten my settlement offer so it would fit into the AAA settlement form field, and then, exhausted, seeing this confidentiality crap as I was about to SUBMIT my offer:
Confidentiality Online Settlement Tool
Subject to applicable law or the parties’ agreement, the parties agree that all communications related to settlement discussions and offers conducted via the AAA Online Settlement Tool will remain confidential in the interests of furthering settlement. [emphasis added]
The parties shall not rely on, or introduce as evidence in any arbitral, judicial, or other proceeding the settlement offers, willingness to accept an offer, or statements made in furtherance of negotiating settlements.
This confidentiality clause does not apply to facts, communication, documentation or other information received or gathered outside of the AAA Online Settlement Tool process. The AAA shall not be compelled to divulge such records or to testify in regard to the use of the AAA Online Settlement Tool in any adversary proceeding or judicial forum.
AZFCU destroyed my reputation, forcing me out of business, and now I’m being silenced?
Not happening!
While I no longer have the character limitation, my brain is so fried, I need to get away from the computer and water my garden and try to prep some food before I’m too tired.
But I’m also looking forward to setting up the new AZFCU Knowledgebase with our countless emails and other documentation. It’ll make it so much easier to document AZFCU’s extraordinary incompetence and its refusals to answer my questions about Early Warning, the internet service disconnection, etc. etc. etc.
- AZFCU could have paid me a couple of thousand dollars and contacted Early Warning to clear my name.
- Instead, AZFCU treated me like a stinking piece of shit and ignored my pleas for answers.
You can’t operate a short term rental business when internet is disconnected for non-payment after you received the emailed payment confirmation.
How can that be? What happened?
I have NO record of that web payment for Frontier internet being presented to AZFCU and it will require a subpoena to Frontier as it also ignored my many attempts to find out what happened. And of course Early Warning will have to testify.
I’m certain it is related to the STOP PAYMENT reported to Early Warning — the banking report I never heard of before.
Apparently, a STOP PAYMENT is like a collection on a credit report, but causes declines of your bank accounts. My research indicates that very few people know about this FRAUD until their bank accounts are refused.
I was so happy to finally join a credit union.
Every cell in my body despises the evil bankers. I suppose I am deranged for believing that there are any “good” businesses. Fooled me! They’re all evil.
I am so furious, the audacity, …
While I know that it is extremely unlikely that we’ll settle, considering my financial situation and having to sell my home, it is prudent to at least make an offer. Document, document, document.
So here is my PUBLIC $20,000 Settlement Offer expiring 8/14/25:
In 2022, I lost my road in flash floods and the County will not repair the extensive damage. I recently had to list my unfinished “forever” home for sale because two lots behind my property with excellent access came on the market.
https://www.zillow.com/homedetails/26805-N-Palo-Christi-Rd-Meadview-AZ-86444/82009505_zpid/?
Obviously, the value of my home is significantly lower without good access, and I need to sell now, while a buyer can acquire those lots — unless I can purchase them and work on finishing my home.
AZFCU significantly contributed to my financial demise when utilities refused to accept my AZFCU business account and internet was shut off. We established that AZFCU stopped payment of my Mohave County Treasurer check AGAINST my specific instructions, resulting in adverse actions due to the reporting to Early Warning.
I only asked for a couple of thousand dollars compensation, but AZFCU chose to pay a lot more for arbitration INSTEAD of at least enabling me to continue operating my business and assist with removing the STOP PAYMENT from my Early Warning report.
And it NEVER ENDS!
On 7/10/25 I contacted AZFCU because Bill Pay in my business account didn’t show the Mohave County Treasurer or any other payee.
My business account includes the image of check #9600 to the Treasurer on 8/5/24. I don’t have checks, so it had to be Bill Pay. From the AZFCU chat:
“[04:41:25pm] Valerie:
Thank you again for waiting. Bill Pay transactions are always ACH (Automatic Clearing House). It’s never a check. I could not locate this organization as a payee in Bill Pay. However, I did not need to view Bill Pay to see this was not a Bill Pay item. My apologies for the viewing history. Bill Pay history only goes back so far on the member side. That’s when we have to step in to do research.[04:42:05pm] Valerie:
Some merchants have the ability to convert a transaction that you may have inititiated on their website into what we call an “e-check”. …”I was so sure I had used Bill Pay for ALL Treasurer payments. Am I DEMENTED???
The frustration and stress were enormous due to my brain damage (PTSD) resulting in short term memory loss when extremely stressed and at my age anyone could suffer from dementia.
Writing this settlement offer while questioning my sanity, I found the text that made me remember the AZFCU nightmare when I could not receive Zelle payments on 11/29/24. AZFCU deleted my Bill Pay when separating my accounts to activate Zelle after so much work to combine them.
Valerie lied. The check WAS created by AZFCU Bill Pay.
I have so much more to say, but my summary exceeded this field. I am as fed up with AZFCU ignoring my questions or lying to me as I am with Sunnova’s abuse:
http://sunnova-solar-fraud.org/
I plan to amend my claim and to document the AZFCU extraordinary incompetence and customer abuse. I can’t change America’s corruption, but I can expose it.
Truth to Power!
