| 5 star: | (2) | |
| 4 star: | (0) | |
| 3 star: | (2) | |
| 2 star: | (1) | |
| 1 star: | (14) |
Poor attitude by customer service representatives, talked to six different people and all gave different answers. Had to finally talk to manager. She was better how ever this establishment has gone down hill. They used to care about their members and now they don't. Tried to get cash from a check that was to be deposited in my account. Process was painfully wrong. Placed on hold several times. No help or care. Banked with them for years. Will start looking for another bank to move my money too.
I don't understand all the negative reviews of such a great bank. Maybe because people are more apt to leave a review when they are mad or unhappy then they are when things go right.I registered just to leave a review. been with the Credit Union since the 90s, and have had a good experience with them in all that time. Purchased two vehicles with no problems, have an IRA cd with them currently, and have a checking and savings account. They have been great with me and my family with fraud detection and always make good with disputed charges. They have several times caught fraud on my daughter's account without us even calling them. I don't know what people expect a credit union to look like, but the branches around here are gorgeous inside and out. I love America First Credit Union or I would not be with them for nearly twenty-five years. Customer service has always been great to me and I get answered in a decent time whenever I call.
Absolutely terrible institution with terrible customer service-if I could give negative stars I would. I live in Southern California and after putting me through an exhausting verification process on the phone and successfully validating myself they tell me that since I live in California and since there isn't a physical branch here they wont be able to approve my membership. This is beyond ridiculous. If you don't want people who live in California state that on your website up front so people don't have to waste their time. The reps had an attitude problem and their tone was disrespectful on top of that. I don't know why anyone would want to join this terrible credit union. I would advise everyone to STAY FAR AWAY FROM AMERICA FIRST CU!!!
This CU is the biggest joke out there:
* Phone hold times mostly over 1 hour
* customer service reps are rude
* if you have fraud - you're up the creek without a paddle - they don't care about helping.
Pending fraud charges will get paid and it will take aprox 6 to 8 weeks to get your $ back
If you care about your credit score i would not do any business with this bank from the 1990s internet age.
Their systems are terrible and you will pay the price for it.
There CEO Thayne Shaffer claims to care about their customers wellbeing but that could not be further from the truth.
Take my advise and go elsewhere for you needs.
If I could I would give them "0" stars.
Unfortunately, due to Covid pandemic, inflation, and car repairs I needed to file for bankruptcy.
I had 2 checking accounts, 2 savings accounts, a credit card, and a personal loan through them.
After my paperwork for the bankruptcy was filed, they took my money from my checking accounts and transferred it all to my saving accounts.
They then took the little bit of money I had in the one savings account and put it towards the personal loan.
The other savings account they, created a check and sent it to me via mail (I found out they mailed it to me after talking to them over the phone).
They did all of this without my knowledge, and without letting me know they were doing this.
I went to log into my accounts on my phone app and noticed the transfers. I tried to log in through my computer, and it showed I had no accounts except the loan and the credit card.
I called them, and they told me that since they were losing money they closed my accounts, and it was ok for them to take my money from my accounts and put it towards the loan (after I filed for bankruptcy) since it was under $50.
They closed my accounts, without notifying me. I had part of my paycheck being direct deposited into those accounts. So, now I am scrambling to figure out where my money is that was supposed to be deposited into these accounts. As of today, 5 business days later only 2 of the smaller direct deposits have bounced back to my work. The larger deposit and the other small auto deposit still have not bounced back.
I just logged back in today, and see they re-opened the accounts connected to the credit card and loan. They excepted the direct deposits that were supposed to go into the other checking and savings account, and it will not let me transfer the money out. I need to buy food for the week with that money. They are stealing my money at this point.
I had perfect credit until AF dinged me for being $30 late.
As you can imagine from my perfect credit not making payments is not how I operate.
It was completely unintentional, after all, I was ALWAYS logging in to try and make payments or transfers to make payments.
From their car loans to their credit cards their banking system is VERY cumbersome and confusing and I'm here to tell you it can cost you your credit in a hurry.
For one, you can only make a payment on your credit card from another banking account with them. It was a multiple step process to make a payment in which it was not uncommon their system would say "cannot complete this transaction at this time" and I had to take more time to try again the next day. I was constantly trying to make transfers and payments.
While I was traveling and trying to make a payment from my phone everything looked different, it talked about making a transfer but not making a payment. OHHH, making a transfer is making a payment.
They sent me a letter of a missed payment on my loan. It was for an odd amount and I confirmed with my husband he had made the car payment (although that was a big cluster to figure out as well) Come to find out the "loan" they refer was my credit card.
Charge me a late fee all day long, but be so quick to ding my credit and you lost me, my husband and any future business account we were going to bring over to you.
After bringing this to their attention and saying give me a break for their system wouldn't allow me to complete transactions at times. They said it is against the law to remove a late mark on your credit if it is actually late. I say take some ownership on your end for your terrible system and give your members a break. It's not against the law not to put it on my credit in the first place.
The only reason I realized what was going on was because I saw a late fee in which I still thought how can I be late?
Anyways, a late fee would of been a great place to start. Not sure how it helped you, and what you gained to ding a member.
Lesson learned don't think you are in better hands being a member.
It would of been a better business move on your end to profit a late fee than lose customers!
Never ever do business with this company. Customer service is a wreck.
Only made this account to leave this review. Their Customer Service is awful. They allow transactions to be made even AFTER they have flagged your account for fraud. Then do not own up to it claiming it is " Not Their Fault." When you point out that actually it is since the card was allowed to be used after the flagging occurred.. it's still "NOT THEIR FAULT."
For some reason my mobile deposit was being denied and they contacted me to let me know I needed to come deposit a Check in person. So I did and they said I was good to go and thought nothing of it. Well 7 months later my account goes way into the negatives and I get a call saying that there was false money in my account due to a double deposit and they needed to take it all back. I had no idea as I dont regularly check that account. I guess a teller deposited it twice and now Im having to deal with the repercussions of that and they have no idea who it was so I cant file a complaint against them. Terrible terrible customer service over this issue almost makes we want to switch banks. Lesson learned to always check your accounts.
AFCU withheld me from making Zelle payments 2 times. AFCU withheld me from having my business funds transferred to my personal account. AFCU withheld me from being able to verify my business account through my personal account pin because my business account pin was not working. Although I had acknowledged to the call center supervisor Alisa 1229 that I could only verify my account by using my personal account pin number. Ms. Alisa still asked for my business acct pin and tried to use it to verify my account which failed. Then Ms. Alisa refused to allow me to make a transaction on my account because she said she could not verify my account
Rates sound good, had to join a PTA in another state to become a member. Then, they will force you to take their "collateral insurance" saying they dont have proof of your vehicel being insured. When it has been since before I bought it, I provided them proof of insurance last year, they stopped bugging me about the insurance, then they did it again this year. I get on the phone with them, again, they state that they charged me last year and this year. They tack it on to your loan. Basically $13,000!!!! What a bunch of slime ball scam artists! I will never do business with them again.
The worst company ever on all respects.
They lost my title
There customer service takes hours to answer and then you get very un professional reps
Full of mistakes
Do not work with them
Would give this 0 stars if I could. Absolutely do everything you can to not bank with America First Credit Union. For the last two years I have been making on time payments for my car loan through them. They did not tell me they applied collateral insurance to my car loan for the 1 week I didn't show proof of insurance. This collateral insurance they applied themselves required me to make an extra $20 payment on my monthly car loan. This extra $20 payment was not on their online banking platform. I could not have made this payment anywhere online.
Moving forward with almost a year and a half over making the wrong payment, my credit score is down 50 points and it is making life extremely hard. I went into america first credit union and was just on the phone with them for an hour. Even though I made all the payments now they will not reason at all with me. I even offered to pay them extra. Their reasoning for why they believe they are in the right? They we're MAILING me letters to let me know about this..... to the wrong address!!!
Pretty unbelievable. Do all you can to not work with them.
Buyer be where. I set up my account on auto pay. One month they did not remove the money out of my account they did not send me an email they did not send me a text they did not contact me in anyway what so ever. Instead they went straight to the credit bureau’s I lost 80 points. This cost me my refinance on my house. If you get enticed to use them do not set up auto pay or next time this can be you. I for one would gladly have paid an extra half of a point then to lose 80 points on my credit score.