Texans Credit Union

Not A Goog Bank In My Personal Opinion
- BettyRamirez - Wednesday, January 25, 2012 - 5:29 PM

I thought that Texans Credit Union was a good bank but I was surprised to find out differently. 

Texans Credit Union charges for everything, even if you use your own money just to transfer money from your savings to your checking which is $7.00 dollars plus $35.00 dollars for the overdraft. I asked for online payments (bill) and found out that it costs 5 dollars per month. 

I didn't know that there were better options like RBFCU, where you can open a checking account with just $5 dollar with free overdraft protection. There is no charge for transferring money from your checking to your savings to cover overdrafts to your checking account. Also, I get .15 cents every time that I use my debit card and online payments are free.

 When Texans Credit Union closed the Austin branch they said that we can continue to have our accounts and use the ATM machines from some stores without charge, but many people were charged a  $ 2 dollar fee for using the ATM.   I work for a company where many employees have an account with Texans Credit Union because it was located in the same building.  We were told call customer service to get a refund. Also I was told that if I want to close my account I only  need to call by phone Texans would  send me a check for my balance, but again I received an unpleasant surprise.  I called and I sent an email but I was then told that I need to send a fax or mail a letter if I want to close my account.  That was the only way to close an account. Even though I signed a letter about I don’t want overdraft protection to avoid paying the $35 dollars.

What happened is that I called to close my account in December 12/2011 and then on  the 14th I called my insurance to charge the payment to my other bank account around 10 AM, but it was too late, Texans  had processed the charge already. I have money to cover this amount but since they charge me $35 dollar for the overdraft plus the $7 dollars to transfer money from my checking to my savings now I have a negative balance of $20 dollars.  If this wasn't enough, a collections lady called me last week saying that if I did not pay the $20 dollars or call her by Saturday 21 she will report me with the Credit Union Bank. Of course I did not get this call until after I sent a fax telling them that I want to close my account after 13 years with this bank. Thank God that they closed the Austin branch.

I will send the amount that my account is negative because I don't want this to affect my credit.  I hope Texans finally close my account and I don't want to do business with Texans ever again. Ever.

 

Insulting Service From Rude Staff, Plus Terrible Lines
- teamcdonald - Saturday, June 30, 2012 - 4:59 PM

The worst customer service experience I can remember!

This used to be a decent credit union. My understanding is they expanded in too many directions and now they have been taken over by the feds. This has lead to staff cuts as well as reductions in staff quality (you get what you pay for).

I had an experience today at their Telecom Parkway location in Garland that was stunning. The branch manager, [redacted], was the rudest and most unprofessoinal individual I have encountered at any financial institution. A quick review of her Linked-In profile shows that a few months ago she was a collections clerk at a pest control company--that is evident in how she handles customers.

During my 10 minute encounter, I finally became so frustrated with her ineptness that I asked her what it would take to just close all fo my accounts. She turned to her keyboard and said "I can do that immediately!" She then proceeded to lecture me about allowing my daughter to carry my debit card for emergencies, saying that I was teaching her to be irresponsible!! I was furious!

Avoid this credit union and by all means avoid any any business relationship with [redacted].

No Communication, Nonexistent Customer Service
- LGM - Saturday, May 18, 2013 - 1:12 PM

The "upgraded" banking system installed Aug 2012 is a disaster.  It did not notify me of my balance being below the limit I had set up for notification.  It had worked before but this time, no text, no email, no nothing!  I had no idea there was an issue AT ALL as the Billpay feature kept emailing me that bills were being paid.  By the time I figured out (FINALLY an automated email asked me to examine the Billpay as there was "a problem") Texans had assessed in excess of $600 in NSF fees, and several of the payments that had been emailed to me as "payment sent" had in fact been refused.  This happened over the course of a week, as it was the first of the month and all the major bills came out then.  There were 6 auto transfers from my savings account, but federal law limits auto transfers to 6 - I was unaware of this.  

My beef is this:  The notification system failed, AT NO TIME did any system or person tell me there was a problem.  Texans has agree to return 3 of the 16 NSF charges; errors I feel would have been completely avoided if a simple notification of "balance below..." was sent.  Texans accepted no responsibility for this.  I am appalled that a Credit Union feels this is "excellent customer service" as the website exclaims.  I do not see how an institution could stay in business if this is how  "business as usual"...but oh wait... there are the $600+ NSF fees...That's how they stay in business, taking money from their patrons.  I had banked there over 7 yrs.  I am not a problem customer. 

 

PLEASE PLEASE use a different bank!!