| 5 star: | (3) | |
| 4 star: | (3) | |
| 3 star: | (1) | |
| 2 star: | (0) | |
| 1 star: | (11) |
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.
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
Yes, that's right, thieves in sheep's clothing. The marketing is excellent, the promise is great and the bank is clean and has very nice people. However, what you get behind the promise are mob-like business tactics.
Here's my tip for you, RUN and RUN fast. The way my family was treated after the fact was amazingly terrible, I'm literally shocked they are still in business.
I can't believe they can get away with business practices like this but they do.
Again very nice people but the procedures and policy in the fine print demonstrate professional theft.
RUN and RUN fast.
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.
CD rates for Langley can be found at: https://www.langleyfcu.org/deposits-certificate
I don't know why they are not listed on Deposit Accounts.
I joined Langley about a month ago, and soon after saw they had a promotion for auto refinance: $250 cash, and they also give you back 10% of the interest you pay. The rate was the same as I'm paying now, so I decided to do it. Unfroze my credit report since they said a new pull was required for auto (even in the 30 day window from joining), and did the online app. It sat there for about 2 weeks as pending, with no communication from Langley at all. I called a few times to check on it and was always promised someone would get back/reach out to me, but no one ever did. I was definitely unimpressed at this point so I decided to see if email would be a better avenue. After some googling, found a VP of Consumer lending and sent an email explaining everything to him - no reply. Finally the status changed to DECLINED, reason: Not eligible for membership in this CU. WHAT?! So I called them yet again, and explained that I was already a member, and I applied through online banking so my member # was on the application. The CSR was as confused as I was, but they promised to have a supervisor look into it. A few more days passed w/o communication, so I called in again. A very nice and apologetic gentleman said he really wanted to help me and promised he'd call back within 24 hours or so - this was a week ago, and I still have yet to hear from anyone. I tried emailing higher up just to see if anyone would follow up with me, and 4 business days later, no one has reached out. I can't imagine continuing to do any kind of business with a credit union that so blatantly ignores its members.
Langley Federal Credit Union has a smart checking plus account that offers me multiple benefits over the regular checking account members. These benefits include mobile banking, online bill pay, and eStatements, all of which are free. Also there is not a minimum balance and there are never any member fees or service charges. One of my favorite features that they offer is the early payday deposit. I can generally have my full paycheck available to me a day before most other people that I work with. Another benefit is that when you use their debit card they deposit $0.10 into your checking account. Also Langley waives ATM fees at other ATMs. Their interest rates for savings and checking accounts are not very good however. The best that I am aware of with them is around 1% and that is only for lower amounts. Upgrading from smart checking to smart checking plus was almost automatic, the only requirements that I remember were signing up for online statements and maintaining a minimum of $500 in your account. Overall I have enjoyed dealing with Langley Federal Credit Union over the past 12 years that I have been with them.