| 5 star: | (1) | |
| 4 star: | (0) | |
| 3 star: | (0) | |
| 2 star: | (2) | |
| 1 star: | (13) |
Where to start... I've had 3 loans and at first they were good. Then I was lied to when advised to refinance. Instead of telling me I didn't qualify, they avoided my calls for 3 MONTHS!! I eventually received a letter in the mail. I have a credit card where I've made payments to, yet the online banking states I haven't made one. I called and they couldn't find them. I gave them confirmation numbers and the lady said they would be considered late because their system hadn't processed them. How's that my problem when they posted at my bank last week!!
0 stars!! Member of about 5 years. Their customer service is what made me leave and it got worse after! Terrible. I ended up closing my account and they dinged my credit report in "ChexSystems" so I had noway to know (I always check the big 3 credit bureaus) until I need to open an account. They REFUSE to work with me, even though they admit there is no issues here. So now I can't get a CD for my kid's college funds, I can't open an Apple Card, nothing. And my credit is spotless besides this. 850 credit score. 24+ year history with nothing negative. Thanks a lot guys. AVOID CCU!!! It's not worth their rates.
Where do I even start. Called costumer service to open a savings account and possibly a checking account. Right of the away, very dismissive on the phone and directed me to the website. I asked if I could walk in and just opened and account at a location. And I was told I needed an appointment. Anyhow, I went online and opened an account, and the account was under review for 2 weeks. Finally called and was told that I needed to upload a picture of myself holding my ID. And that the scanned ID was not good enough, I needed an actual picture taken. The way I see it, I paid 15 bucks and found out the type of bank this is. Will not be doing any sort of business with them.
I highly recommend CCU as a Credit Union to go through.
I just applied to have my car Refinanced, rate Genius got it approved thru consumers, I have tried twice to set up a checking acct with consumers, they keep saying they can’t verify my identity, when I call to ask why the consumers agents are rude and won’t help me!!
I just switched to this credit union 8 days ago and have regretted it since. Horrible customer service and a very negative experience. I’m switching back to my old bank. Don’t put yourself through the hassle I did. There are plenty of banks and credit unions out there offering competitive rates.
Understand, this credit union is nothing but silos. One department can't reach the next, or communicate in real time to resolve issues.
The interest they're paying on Rewards Checking/Saving with the minimums and requirements is barely average given the Fed's rate hikes and others rate increases.. An ACH out took 9 business days, another ACH in, when paying their VISA, took 7 business days to credit. Getting my vehicle title after paying off loan was a hassle, and you guessed it, it's never CCU's fault...Used to offer promotions and now rarely gives any reason to use them...
Just a disappointing financial intituion, racing to the bottom, and getting worse
I selected this credit union based on reviews online. This was my first credit union I’ve ever used and has made a terrible impression given that they were not even able to send the check to the correct location to pay off my loan.
They representative only got me more upset when I asked about getting in contact with at an appropriate time. Representative Marco, who Is
supposed to be a “senior representative,” is now responsible for an upset customer.
Wait times are long like proem have said but not any different than anywhere else. My low review is due to them hurting my credit and not even knowing who they are supposed to make a check to.
I have to give one star to review (but wouldn't). I obtained 2 loans via CCU. One for a boat and trailer (a fairly expensive venture) and the other for a Chrysler Pacifica after a lease buyout. I have had nothing but issues, multiple calls over the last 2 years for a variety of issues. I sold the boat/trailer earlier this year and with pay-off they could not produce the titles for the new owner's bank. We spent months trying to resolve it with his bank finally sorting it out and re-ordering the titles (his bank was the one whom ended up assisting-NOT CCU). After selling the boat we moved to ND and registered our Pacifica but could not receive plates as CCU would not respond to the ND DOT verification. We waited and waited and nothing, had to get a second temporary plate and I called CCU a few times to ask for their assistance. Finally, I decided to just pay the vehicle off and stop doing any banking with CCU. It has been 4 weeks since pay off and I receive a letter that they do not have the title in their possession (although they clearly put themselves as lien holders on it previously). The letter removed their claim to the vehicle. ND DOT does not consider this as the correct form for registration and will only accept a physical title. I am now without a vehicle in 1 week because CCU has lost another title (3 now in total). I call in and ask for help and they say they will call me back but never do. I have no idea how to replace this title they have lost and it should be their responsibility as lien holders. I moved all of the funds from my accounts there today and will be closing them all once the transfer is complete. The call line just fills you full of fluff and promises someone will call you back in 24-48 but that never occurs (so don't fall for it). DO NOT USE THEM! BEWARE!I
The thing that frustrates me the most about CCU is that every review site that looks ONLY at their rates will tell you that CCU is the best credit union out there, anywhere. Problem is once you're an actual member, it's an absolute mess. They bought out my credit union, Andigo, who I loved. Since then, it's been nothing but constant problems.
They mailed our debit cards immediately after the buyout and one of them had the wrong name on it, rendering it useless. Had them mail a replacement, still had the wrong name on it. Finally on the third attempt, they got it right, but it took us hours on the phone to make that happen.
They spam us constantly with offers, ads, just stupid junk mail. Constantly. Nearly every single day, we get something mailed. Why is a credit union wasting my money mailing me garbage every single day? Between the two of us, we have gotten easily twenty mailers about signing up for life insurance alone. If I didn't want it the first nine times, definitely, yes, the tenth was the one that will convince me, you're right...
Their p2p payment through Zelle got messed up, and when one of my clients went to pay me, it appeared it was going to someone else. We contacted CCU and they said no biggie, go ahead and put it through, it'll still go to me. It did not, and now my client is out $300 and cannot get it back.
Their "fraud detection" is an absolute, relentless joke. Every single month, they lock my card for a $4.99 Twitch subscription, and I have to call, spend hours on the phone getting my card unlocked again, and then go through the hassle of trying to get my card set back up with Twitch so I can keep my subscriptions. It's hours, every single month, and their answer is "there's nothing we can do, just call us the day before it renews so we can try to put it through". They lock my whole entire account every month over a subscription I've had for almost two years, but $100 that I didn't approve got put through just fine? Good job, well spotted.
They went ahead and "as a courtesy" removed a client's payment from my account, because she put my business name instead of my personal name, which she's done for years and it was never a problem. No warning, nothing, just "you need to get a new check written". Had to waste time contacting my client, getting the check back to her, getting a new one written, and then going to deposit it all over again.
CCU has wasted enough of my time, and I'm done. They're infuriating to work with. Anyone who tells you that they're the best you'll ever find obviously isn't a member, they're atrocious.
ordered checks more than 3 weeks ago and when i call they have the temerity to say ‘it takes 2 weeks for anything to get mailed this time of year’ as if that has ever been true.
if u have about an hour to kill call their helpline.
i could go on but ive got better things to do
Bit by bit their customer services has eroded. No longer do you deal with tellers you deal with machines. You leave messages on their email section and it takes a minimum of a week to hear back. If you try and call, you are either on hold for a minimum of at least 20 minutes or get a call back a week later.
This company sent me a letter to refinance my auto loan at a lower rate in October 2020. They gave me a lower rate and $500.00 back. (Which I applied to the first payment). I've now received two letters threating a higher rate because, they don't have my title. CCU has had my loan for over a year and a half. They sent me a second letter in March about the title again. Finally spoke to someone but, know one ever updated me on anything. I did send an email asking for an update and got a rude response.
I tried calling them in January, February, and finally got someone in March. I also set up auto pay which, they failed to run the payment for March and I've tried calling them with no luck again. Charged a $29.00 late fee and since the title issue they have blocked me from online payments. AVOID this COMPANY DO NOT USE THEM if at all possible. Customers service is ZERO. The only time it was positive was when I worked with Melissa to refinance my loan. She is the only STAR I gave for this company.
I have been using CCU for over a year. Never had I needed to dispute a charge, until recently, and it was a nightmare.
I placed a "Fully Refundable deposit" on a car to hold it for my elderly father, via phone. My father then proceed to purchase said vehicle and paid in full.
However, my $500 deposit never got credited back. Called dealership and they confirmed they refunded the deposit.
Tried to dispute this with CCU and they said prove it. I don't understand how I can prove I didn't purchase a vehicle from them, but I provided my fathers paperwork showing he purchased and paid in full.
Almost 4 MONTHS later, no one will return my call, no one replies to my emails, and when I call and ask for a manager, I get sent to a black hole/voicemail, and again, NO ONE CALLS ME BACK!
This credit union is very disappointing in handling the transactions. After I made payments on time and in full amount, they sent me past due notice and charged me interest and late payment fee. I have copy of acknowledgement from their own website stating that they had processed the payment!
After three complaining letters and two telephone conversations with their representatives, not only they did not correct their mistakes, I just found out that a "negative" report had been sent to credit bureau. My advice to everyone is stay away from this outfit.