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Our 4th Annual Car Sale will be held April 5th – 7that the Sylacauga Walmart parking lot. We will have face painting and other activities for children while you shop. With multiple dealers to choose from, you don’t want to miss this sale!

Get pre-approved online at www.coosapinesfcu.org

Rates as low as 1.49% APR*.$100 Cash Back for each purchase financed with us.

Participating Dealers:SerraVaden ToyotaBama DirectRobo MotorsMcSweeney Automotive

*APR-Annual Percentage Rate. Must meet membership and credit requirements. The rate you receive will be based on your individual credit worthiness. Rates vary and may change without notice. Repayment amount = $26.29 per $1,000 borrowed for a 39 month term. For terms and conditions, see a CPFCU loan officer. Federally Insured by NCUA.

Location:Sylacauga Walmart Parking Lot 41301 US 280 Sylacauga, AL 35150

Get Behind the Wheel During The Coosa Pines

4TH ANNUAL CAR SALE

Fraud is a deliberate deception of a buyer by a seller in order to obtain an unfair gain. All states have consumer protection acts that protect consumers against deliberate fraud. The consumer must have suffered damage after having relied on a false statement on the part of the seller to obtain any relief. Exaggeration or “puffing”, however, does not constitute fraud. Everyone knows that a seller may exaggerate the value or quality of an item for sale.

Scams can take many forms, from credit repair clinics to trade school or insurance fraud. If you think you’ve been cheated by anyone selling a service or product, try first to resolve it with the company directly. Send your complaint to a supervisor, manager, owner, or president of the company in writing and provide copies of any documentation of your complaint. Never send original receipts or canceled checks.

It is possible that you will not get any satisfaction from the company that has done you harm, and a complaint to an outside agency may be in order. Send a letter or email with supporting documentation to the appropriate government or private organization.

Describe the situation thoroughly and succinctly, including names and dates. Chances are slim that these agencies will be able to recover any money for you, but if the business has any reputation at all, it will probably make some sort of amends if a government or private agency gets involved. Third party involvement indicates to a business that you are serious about your complaint, and could drum up some bad publicity causing them to lose business.

If nothing else works, you may need to resort to legal action to remedy your situation. Suing in small claims court for relatively minor (usually between $2500 to $10,000) disputes is an option. No attorneys are allowed as representatives of either party. You must sue, however, in the county in which the transaction took place or in which the business has an office. Small claims court advisors are listed in the white pages of the telephone directory under county government office.

These services provide free counseling for the small claims process. If the amount of damages is greater than $5000, or the company is located in a remote county, you may want to consult a lawyer. Bear in mind the impact of legal fees on any damages you might collect.

Hurricane ReliefWith the help of our generous members,

Coosa Pines FCU was able to donate

$10,432.24 toward hurricane relief.

Thank you so much for your

contribution to this great cause.

THE ULTIMATE GUIDE TO DEALING WITH

CONSUMER FRAUD

Summer InternshipSummer internship- Coosa Pines Federal Credit Union welcomes college students in the community to apply for our paid internship program! Selected candidates will be responsible for assisting in various departments of the credit union throughout the summer. Our paid internship positions give local college students an opportunity to gain hands-on-experience, a better understanding of

the credit union industry, and help Coosa Pines identify possible candidates for future positions within the credit union. We are searching for six junior/senior Business or Finance majors to join our team. Email resumes to hr@coosapinesfcu.org.

Super Student Rewards!Coosa Pines FCU believes hard work should pay off! We want to show our young members this by rewarding them for their hard work. Students will receive $2 for every “A”, with a maximum of $8 per grading period. Just bring your child and report card into Coosa Pines FCU and we will deposit the money into his or her savings account. Requirements:

• Student must have a Coosa Pines FCU savings account to be eligible.

• Report card must be received during the current term (i.e. Fall or Spring).

• Rewards only apply for academic classes grades K-12.

How to Avoid Consumer Fraud

• Remember it is almost impossible to get something for nothing.

• Research the product or service you are considering buying.

• Avoid putting yourself in situations wherein you may be set up to be defrauded (i.e. listening to telemarketers sales pitches).

• Be wary of clicking suspicious online offers, purchasing from door-to-door salespersons, or purchasing anything over the telephone (unless you initiated the call), particularly if it involves giving your credit card number.

• Do not buy or invest on impulse.

• Read advertisements, agreements, and warranties thoroughly, including the small print.

• Comparison shop for product features, price, and service.

• Get verbal promises in writing.

• Ask the seller to give you time to think before you make up your mind to buy.

• Get a second opinion from a trusted friend, advisor, even an attorney.

• Do not pay cash. You can stop payment on a check before it clears, and have the right to dispute items purchased on a credit card.

https://www.balancepro.org/resources/articles/consumer-fraud-2

THE ULTIMATE GUIDE TO DEALING WITH

CONSUMER FRAUDScams can take many forms,

from credit repair clinics to trade school or insurance fraud.

www.coosapinesfcu.org

EXPRESS LINE1-800-794-5693

01061-NEWS-0318

2018 Holiday ClosingsMay 28th-Memorial Day

July 4th-Independence Day

September 3rd-Labor Day

October 8th-Columbus Day

November 22nd-Thanksgiving Day

December 25th-Christmas Day

Follow us on Social MediaWhether you love it or hate it, social media is here to stay! It is becoming the fastest way to get news and updates. If you are not already following us on Facebook and Twitter, be sure to join us today! You will be the first to hear of promotions, giveaways, and other important credit union information. Following is easy. Simply “Like” us on Facebook and follow us on Twitter @CoosaPinesFCU.

AFFORDABLE AUTO WARRANTIESW I T H R O U T E 6 6

Coosa Pines offers affordable quality vehicle warranties with great service on new and used autos, whether or not they are financed at the Credit Union. A Route 66 Extended Warranty not only protects your investment from expensive mechanical breakdowns,

but also comes with a $0 deductible, 24/7/365 Emergency Roadside Service, rental car benefit, 30-day money back guarantee, nationwide coverage, and is fully transferable.

ASK US ABOUT OUR AFFORDABLE AUTO WARRANTIES WITH ROUTE 66.