| 5 star: | (5) | |
| 4 star: | (3) | |
| 3 star: | (2) | |
| 2 star: | (1) | |
| 1 star: | (21) |
My credit score was recently impacted because their online feature deliberately makes it difficult to enable auto payment. I then left the country to mobilize with my Reserve Unit and, while away, had no access to my mailbox. They only sent notices of my missed payments (solely because my auto payment was not set up "correctly") via physical mail, which I could not access while overseas for Reserve Service. I attempted to work with them to help remedy my credit score, but they refused. I now have 80 fewer points on my credit score because I chose to go overseas in service to my country.
Holding for almost an hour and got 3rd party call center. They only can take calls and could not o anything. Finally got customer service after another 20 min. holding time and helpless, like machine.
Langley Credit Union has the worst customer service than most of credit unions that I deal with.
If you are trying to open the CD special, a couple important details so you can avoid the very frustrating couple days I have just experienced:
1) opening transfers limited to $5,000. Don't try to open the CD special online, open a member share, transfer funds, and then call them to open.
2) BUT when you open the member share, it will show a negative balance until they get your opening ACH! So don't immediately set up trial deposits from your other banks because you'll get hit by an NSF fee when they try to withdraw the deposit amounts. (Had one rep argue with me about what had happened and claim they were Langley's trial deposits INTO the other bank, not sure if they were incompetent or just poorly trained, but next person was able to sort it.)
3) if you immediately try to use Langley's system to connect to an external account via log-in information and transfer funds, the fraud department will step in and cancel the transfer and flag the account. Give the account a couple days to finish being set up and go positive before trying to make your transfers.
After three tries I finally got a competent representative who could explain what went wrong, clear the NSF fee, and recommend a pathway forward to actually get funds in and open the CD. It will be at least one more call because now we need to call off their fraud department (plus I'll need to talk to the bank whose trial deposit withdrawal failed.)
UPDATE: Fraud department will not unlock my account to let me ACH money in! After hours of work I'm unable to open the CD at all. Now I'm just trying to figure out how to get my opening deposit back.
Dealing with them is like going back to 19 century. Inept, rude, unhelpful customer service reps, which seem to operate remotely from their homes. Misleading, shady processes with endless verifications and beyond slow. They set you up for failure from the getgo to fund your cd account with a large sum, because of their insanely long funds transfer from external banks. Unbelievable how this credit union managed to stay in business. Do yourself a favor and take your money elsewhere, where they know how to use modern technology and where you and your money are respected.
Recently, I opened a 14-month CD, and deposited $5 in Savings for membership fee, but could not change the funding amount for CD, as they set the $500 as minimum in the amount box, no way to add more funds. A note said customers can add funds after approval. I waited until approved, but was told I could not add any funds, because any term beyond 12 months would not allow adding funds. It does not make any sense for me to invest only $500 with all those hassles, including the difficulty to log in the first day, when I spend hours on the phone with customer service to find out the problem. Finally, they agreed, as an exception, that I could add more funds to the CD, but I rejected - I do not need any exception to make any investment.
However, when I tried to get the money back, it became extremely difficult, as they can spend 30 minutes on verifying my account, and afterwards told me they could not access my account. And when I signed into my account, the deposit was still not available after a whole week. Now waiting for their specialist to call me back to see what happened. Horrible experience!
Only for new members, if you are a member now, they dont want your money
I've been a member since the 70's. It's no longer the credit union I came to know and love. When I questioned it's decrease in customer service I was told that I shouldn't expect the same as it used to be because it's grown. It's current bill pay system is no longer user friendly and has caused me numerous late fees due to inability to get the bills scheduled appropriately. The previous bill pay was easy to access paid as well as scheduled and upcoming. That is no longer the case. I asked why it changed and was told "it was time". Should have asked the members if anything needed to be upgraded. Been very disappointed.
If it's not for the promotional rate they offer, I would never do business with them. When I first applied, they told me my application was denied due to a credit freeze on my report, which was never the case. After multiple attempts, they finally approved my application for membership, and I proceeded to open the certificate account. I was not able to link my external account and I had to link another one. Now I had to transfer to my savings account first and fund the CD from my savings. It's been 5 days, the transfer is still processing, and the money has already left my external account. Not to mention, I've been calling/emailing their customer service almost daily about the external account not being able to link and the transfer process update. At this point, I would rather take my money and bank elsewhere without all the hassle. This is not worth my time.
The 22 month 5.35% that is all over Langley CU website is no longer offered. Of course you don't find that out until you spend an hour trying to open a account. How bout taking the offer off the website if you don't have it. Langley doesn't care about people's time?
Really awful credit union. Long wait times, no transparency plus they will lose your personal information (even though they claim that they use a "secure message" system"). The worst thing is that they will do a hard pull on your credit history. So, be warned and stay away, do not waste your time. This is a B+ credit union afterall.
I applied for account 4/14/23, next day ,they ask me to msg in id and utility bill. today I got rt# and act#. I createed online id , even connected capital one external link . cd already bought and post in my langley account. Most pleasant part is customer service, waiting time is long, but britany is pleasant, get my info right away. I am here to stay.
Like others have said, we have excellent credit and jumped through all their hoops. Unlocked credit freeze and waited. We applied over the phone with the rep and was on hold forever while she claimed she needed a senior rep to o.k. the application. We then emailed the drivers licenses and utility bills. She said she would call back yesterday morning. No call. I then decided this morning to apply online and was informed "Unsuccessful Account Opening" by email. We have never been denied anywhere either. A time consuming and frustrating experience. I'll let you know if they ever call back.
In an effort to anticipate issues I chatted online several times more than once both this past Monday and Tuesday. Credit report was unlocked and we've always had excellent credit. Stable residence, no debt.
I was told to submit the app online and then email a utility bill which I did. Tuesday get a secure email separately to both of us asking for photo ID and utility. Since we both got the email we sent individual replies with the attached docs. No response Wed. I called Thurs and they had no answers.
Shortly after the call I got a secure email asking for the back of the id for me and asking for the id and utility bill for my spouse which had already been sent on Tues.
Forgot to add, on Tuesday attempted a phone call and after 15 minutes trying never could connect or get by their bot, Leigh.
We've used depositaccounts for years and have or have had online accounts at a variety of places and never waited more than 24 hours for a reply.
Perhaps they've only recently delved into online accounts but it isn't worth the half percent difference to pursue it further and we withdrew the application.
Easy to open and fund new CDs / certificates once membership secured, no hoops or hassle, phone wait times brief. ACH transactions posted promptly.
Courteous staff just informed that there is no max/cap (as opposed to listing here saying $25,000). We certainly appreciate your ongoing efforts,
I had a CD mature today, a Monday. I'd called on Friday and asked about moving the money to their new 15 month 5% special. The rep told me she'd call this morning to facilitate that request, AND SHE DID! A gold star for Jennifer at Langley. It is so rare for someone to follow through with their promises anymore. She got the docusign documents to me while she was on the phone, got the POD setup, and it was as easy as could be.
I tried to juon and was denied membership (as well as my wife). Sent an email that said sorry and maybe try again in the future.
Applied for membership online. Received email denying membership with no explanation. Called for help and explanation. After long unproductive and contentious conversation was told identity could not be verified. Told to reapply online with different email. I am member in good standing of 5 other CUs with CDs. Was willing to provide passport, drivers license, voters registration, etc., to verify identity, but to no avail. Representative was curt, unwilling or unable to help.
I applied for a new account in order to move an IRA within a 10 day window. A Langley rep told me that it was normal not to get an email confirmation upon completing the application and told me the approval would take a couple of days. It has now been a month and still no response.
I have never had an "unsuccessful" bank checking, savings or CD account application experience, except with Langley FCU. My credit is excellent, with scores all well above 800. The problem occurred due to the fact that during their "flawed" online application process, it did not require photo identification, prior to submitting. Submitted as required, but informed it was unsuccessful. After a lengthy wait time, and subsequent almost 2 hour "chat" session, I was told to submit valid photo ID for identity verification via a secure email they provided, I did that. I called the next day for an update, and for 2 or 3 days in a roll. I was finally told they did a "soft" credit pull and my information could not be verified. That's a joke, I have lived in my home for over 32 years, and I checked my credit report and no soft pulls were listed, plus my credit reports are frozen. So they have lied more than once. Long story short, they don't deserve my business. If you want a very frustrating and a totally unnecessary waste of time, it's your choice.
Despite having a credit rating well into the 800s, owning my home free and clear, being a multi-millionaire and owning a multi-million dollar company I was declined, not once but twice. I inquired by phone as to which of the 3 credit reporting agencies they use for new accounts. They replied: "Equifax". I asked "are you not aware of the class-action lawsuits against Equifax due to data breaches- why on Earth would your CEO use Equifax? "No", she replied. "I've not heard about that", as if it was something recent she was unaware of. Mind you, all the online app asks for is your name, address a phone no. and email along with your SS no. Nothing else. Honestly, is this how pathetically far down the rabbit hole our banks and credit unions have fallen? No wonder a recent Wall Street Journal article said Americans are unhappy with their banks and marching with their feet and their money.
Constantly locked out of my account. After answering all security questions and not being able to view my acct balance online and being told I can't use my debit card for almost 2 weeks because of an upgrade in their system that they're working on. I now have to go in and prove I am who I am. No suspicious activity just bull crap. I work a 9:00 to 5 job and have a toddler and a single parent so with their hours being so limited and then cutting back on Saturday is really puts me in a jam. I'm so unhappy with them. I feel like I'm being gas lit
In mouse type @ bottom of page says: "To qualify for the offer, certificates must be funded completely with new deposits or new members in VA, NC, MD, and DC. "
I'm going to email them to see if that quashes new deposits & new members from outside those states.
Can't really rate as I've not done business with Langley yet.
Tried repeatedly to open a membership account online. Once an effort was unsuccessful, I would call and have to hold on the first member services line for about 30 minutes, then on new membership service for about 30 minutes to talk with someone. Each time I followed their instructions only for the next application to be unsuccessful. Eventually i was told the I would need to come in personally and that requirement had been established after the first unsuccessful attempt to join online(and after I had called before my first attempt to be sure online membership existed). Since I don't live close the location of this institution, going there isn't possible. I simply wasted a bunch of time for NOTHING.
I tried to open an account online over the weekend. The good news is they require very little information. The bad news is they could not complete my account opening, and I would hear from someone in 2 business days. I called them Thursday morning and was told the account would be open by the end of the day. Nothing. Called Friday morning and was told I would have the paperwork in an hour. Got the paperwork, and my name was spelled wrong. I was on hold for 11 minutes, after speaking to a customer service rep, just to get my name spelled correctly. They sent a corrected docusign, which I completed. Then I kept getting docusign notices to sign the one with the incorrect name. I will say that I completed a survey and spelled this out, and a rep contacted me. She was able to cancel the incorrect docusign.
Opened an IRA CD when they had the 1% CD special recently. When I received the certificate in the mail, I discovered there is a $20 charge to move the IRA to another institution.
What a disappointment. The fine print says if you deposit more than $10,000 the balance goes in your savings account.