The Golden 1 Credit Union

Golden 1 Is The WORST BANK!
- asmcvicker - Monday, October 17, 2011 - 1:22 AM

GOLDEN 1 IS THE WORST BANK!! Since joining I have had nothing but problems! I took an auto loan out almost a year ago. Anytime I got information from one representative, another would tell me something complete opposite. It seems impossible to get anything accomplished when calling in to speak with anyone. 

Recently I moved back home to Hawaii. When I called in to make my first payment after moving back, Golden 1 charged me twice for my car loan, causing me to overdraft! After calling in and speaking with a representative and getting nowhere, I spoke with a manager. After a while of trying to get anywhere, David Greigner told me he would call me back after he looked into it more and "the dust settles" concerning the account activity. A week later, two days after David said he would call me back, I had to call in. I left a couple messages on his voicemail, then finally spoke with another manager. She tried to say it was my fault I was charged twice, "It appears you called in for a payment and so did your wife." My wife doesn't have access to my account because she isn't on the loan--that was my first issue! After finally getting my refund I should have received a week earlier, I thought the nightmare was over. I figured I would forgive and forget and try not to create anymore rifts. 

A month later, I called in to make my next payment, Sept 17th. I was calling in about a week before the payment was due like usual, Sept 21st. The collection representative told me there was no payment due this month and that its not due till Oct 21st. I thought that was strange, thinking maybe my account hasn't updated since the last hassle. I decided I would call back on the 21st, the due date. When I called in a second time, another representative told me the same thing, "there is no payment due this month, not until October 21st. If you make a payment today, it will go towards your principal." I was surprised and asked the rep to fax or email me a confirmation just to keep as reference if for some reason I was informed incorrectly. The rep refused. Since my wife and I are having our first child, we took the extra, much needed money and bought baby supplies. I figured maybe due to all the mix up, they deferred that months payment for some reason or another...

Two weeks later, we get a late payment notice from Golden1!! I called immediately! Once again I had to speak with multiple reps who both told me different things, trying to blame the confusion on me. Finally I spoke with a manager, Peter. He actually pulled up the notes and read to me what happened. He acknowledged both times I called in to make a payment and was told it wasn't due till Oct 21st. His excuse was that the account was updated on Sept 27th, a week after the due date, and therefore it was my fault I was late!! WHAT??!! I CALLED IN TWICE--A WEEK EARLY AND ON THE ACTUAL DUE DATE!! THEN 1 WEEK LATER ITS UPDATED AND I AM SUPPOSE TO BE AWARE OF THIS?? I tried to reason with Peter, telling him I want to fix this issue. He tells me to pay the bill that is now two weeks late! I was getting ready to pay the Oct 21st payment, now I have to cough up two payments in the same week?? I asked him if there was any way we can defer one payment since I was misinformed twice. He tells me he will look into the issue and call me back...well what do you think happened??? The day he said he would call me, he didn't. I called in and left a couple messages on his voicemail; after not being successful, I was able to get ahold of another manager--DAVID GREIGNER!!! I tried to reason with David and of course, once again I was at square one--he tells me its my fault and there is nothing he can do! I asked him what he suggests at this point? David tells me, "just pay late every time!!" GREAT ADVICE DAVID GREIGNER!! THANK YOU GOLDEN 1 FOR EVERYTHING!!!

Lack Of Notice
- nan - Sunday, May 15, 2011 - 1:26 PM

While I have had a good relationship with this bank over the years, I am now removing all my money due to their overdraft policy.  I was extremely busy with five different deadlines and did not transfer money in time, so automatic bill pay started racking up overdraft charges.  While I admit that this is partially my fault, it was my credit card company that notified me that something was wrong -- not the bank!!!  In fact, I did not receive any notice until 10 days later when a snail mail notice arrived.  If my credit card company had not notified me, I would have had ten more overdraft charges!!!  This bank has emailed me about everything over the years -- and encouraged electronic statements and electronic bill pay -- but this is a rip-off!!  Not only that, they refuse to consider that they are complicit in this problem by not notifying me in a timely manner so I could fix the problem with a simple transfer of funds.  I will be transferring all of my business to banks that understand that modern life and electronic systems should be applied to all customer transactions.  As far as I am concerned, in this case, Golden One is stealing.  DO NOT DO BUSINESS WITH GOLDEN ONE.

Service Fee Scam
- martaz - Tuesday, May 21, 2013 - 8:30 PM

Beware the two pronged attack: putting a "hold" on direct deposits of state payroll and then charging "overdraft fees" when the depositor tries to use the funds.  This happened to me and when I asked how it was possible that debits made the day after the deposit were treated as overdratfts, I was told that "the system" does this and no one at the branch could explain why.
Clearly Golden 1 engages in the practice of "churning" accounts in order to charge fees (in my case $165.00) for their "free services".  They claim to be not for profit, but someone somewhere in the Golden 1 banking structure is living pretty well on my "service fees".

So DISAPPOINTED! Closing This Account Soon!
- iReview - Friday, May 4, 2012 - 9:38 PM

I could not be any more DISAPPOINTED with the service I received today at the branch I had gone to today. I had been mugged in a parking lot after grocery shopping this past weekend on Saturday. I was not able to reach anyone until Monday in order to cancel my card for my entire savings account. I was finally able to close that card and was issued a new one. I asked the lady who I spoke with on a local 916 telephone number and mentioned to her my entire purse was stolen with my entire wallet including ID. I asked her if I would be able to use an expired drivers license I had to pull out money and get a temporary card and she said no, I would have to get temp lD from the DMV and then I would be able to. So I went into a golden 1 branch today... And after being mugged and having my entire purse stolen from me I never want to carry cash on me again. I asked for a temporary card and she said she could not issue one to me because I did not have a valid ID!!! After the customer service line already told me I could! I am so disappointed in Golden 1 I requested to withdraw my entire savings account and close this account out so I can take it to my other bank who has been so much more accommodating.  At this point, she told me she could only give me up to so much. And I would only be able to pull out $100 a day until I either get my card or a "valid ID". I am so upset, I cannot wait to close my account with Golden 1. I thought I'd share my experience... There's so many cons to banking with Golden 1: they do not have a 24 hour customer service line to call in the event your card gets stolen... Especially being a Saturday evening robbery, these thieves had all night Saturday and all day Sunday to use my card up until Monday when i was finally able to reach somebody, who ended up giving me incorrect information.... They close so early on the weekdays, if you have a 9-5 job you have to wait til the weekend to go in, unless you go on your lunch. I barely made it today since they're open a half hour later on Fridays. Overall, once I get a valid ID or my new card I will be running in the door to withdraw my entire savings account and moving it to where I have currently been banking for the past 10+ years. I tried Golden 1 for not even an entire year and have only been disappointed with never being able to make it to the bank in time. Without a temp card, I am not able to transfer any money to my actual checkings at another bank where they have set me up with a temporary card, so I do not have to carry cash on me due to my fear of getting mugged again. I guess that's why I've been with my bank for so long. I trust my other bank... golden 1 is not a place I want my money at and I am more than eager to start pulling out a $100 a day until I pull out every last penny. GOLDEN 1 IS NOT A BANK I CAN TRUST TO HANDLE MY MONEY.  Are you going to delete my post again? I guess I'll just post this on yelp and other review sites where you don't the ability to delete my review.

Hiring Wells Fargo Brass
- gimpybanker - Sunday, October 16, 2011 - 1:02 PM

Golden 1 used to be a great place to bank. But things have changed dramatically over the last 3 years. Golden 1 has been hiring former Wells Fargo management staff. Wells Fargo is one of the worst banks in the market and a formerly great Credit Union decided they wanted to be more like Welss Fargo. Trying to find a new Credit Union. A great place going down the tubes.

Bait And Switch
- Trinh - Tuesday, November 1, 2011 - 3:14 PM

Golden 1 did a bait and switch on me. Their site advertised auto loan is 2.9%, after I applied. I had to called Customer Services and they told me the rate is 6.7%.

I know my credit are in good standing in the mid 700...

LOL  

Golden One
- TylerDurden - Thursday, May 26, 2011 - 6:10 AM

Golden one isn't just a bank, it's my bank. Golden One has always be quick and efficient when working with them. The staff was helpful. I haven't noticed any hidden or recurring fees associated with my checking and savings account. And if for someone reason I couldn't sleep, well, I can use their online website (which has always been available) to check my balance and transactions. You'll get wonderful support from the group at Golden One. Feel free to talk about Golden One.

Nice Place For Locals
- CJBaldwin - Saturday, May 14, 2011 - 7:27 AM

I first became a member of this credit union as a junior in college. What stood out was how intimate the employees are with their customers and how that smaller touch gave me a greater sense of connection to the banks. The only reason I closed my accounts was because I moved out of the area, but what I always remembered was the friendliness of being a person that was recognized at each branch because they took the time to make me feel valued. Those small touches make all the difference sometimes.