I made a payment over the phone with my debit card. My bank showed it was ran twice. Pelican representative said it wasn’t. My bank was devoted twice so I filed a case. My bank canceled one of the payments. Two months later, pelican shows up at my work place trying to repossess my vehicle!! HUMILIATING!! I have bank statements showing payments were made. They refused to look at them! Called a representative and she was extremely rude, as they always are! She says the payment was canceled but my bank shows it was not! Something very sketchy about this place and will never do business with them again!! They never attempted to CALL me even after I tried to call them. They never EMAILED me. They never sent me any notices!! They lied and said they came to my house and I refused to pay them. This is not true because I don’t even live there anymore! The house is on the market for sale!!! They are liars and very corrupt! I do not recommend doing business with them. I will pay off my debt to them and BE DONE!!
Our bank just merged with pelican state and all i can say is I HATE THIS BANK they are very Rude, Incompetent,and the first time I called them I was on hold for 52 min and then the lady would not give me any info on my account because she said I didn't have the right info to verify it was me!
I asked for a supervisor she said she would have them to call me well they called 4 days later!!!!!
unemployment takes 2 days to post where first castle was one day, I am going to take my husbands Direct Deposit of $ 3,500 every two weeks and find a new bank!
Stayed on hold 45 minutes, then could not get help. . We will be placing our accounts somewhere else. I asked for a manager and was denied. I had 15000 only needed to move 1500.00 for an emergency, mind you we just paid off a 30,000 boat and have a 795 credit score.
This is by far the worst bank i have ever banked with. I have been with this bank less than five years but it has felt like an eternity of disappointment. from coming into to the bank with rude bank tellers from the corporate office dealing with aggressive behavior with Ashley who i spoke with last. It was not a pleasant journey. I wish that this Bank would do better overall.
THEY DID A 12-DAY HOLD ON FUNDS --ON LARGE CD -- I HAD BEEN TOLD BY 2 DIFF. PERSONS THAT ALTHO 10 DAY HOLD IN SHARE ACCT. BEFORE OPENING CD -- WHEN OPEN CD THEY DO PAY INTEREST FROM ORIGINAL FUNDING DATE. THEY DID NOT -- I LOST 12 DAYS INTEREST ON LARGE CD -- AND NO RESPONSE TO MY COMPLAINT LETTER ABOUT THIS SHORTAGE ON INTEREST.
Further, when I opened a deposit only acct. with Pelican -- but they did a HARD PULL on my credit record.
A deposit acct. should have been only a SOFT inquiry on credit.
Reading these other reviews, looks like Pelican doesn't take responsibility for their mistakes, and wants to pin it to the consumer. I am trying to make a purchase online for my business, and it was blocked as a fraudulent charge. Called PSCU, they said the corrected it, still blocked, called again, they said all is fine, and I said "let me check with you on the phone." Still blocked. This happened over and over, they can't correct it. Costing my business money. Good luck if you're using them. Sometimes good sometimes not so great.
My debit card information was stolen and fraudulent charges were made on my account. Instead of crediting the money back to my account they told me I could talk to a loan officer. So now I'm going to overdraft and the money won't be put back into my account until the end of the week (if that soon). I've been with this bank since high school, but now I'm going to change banks because obviously they punish their customers instead of trying to help them.
The only positive thing I can say is that the teller was sympathetic. The manager however was extremely rude.
Modified 11/6/2017: When I opened a new CD via phone through Pelican's call center, it was relatively easy to open a new CD, although a $10 fee was charged for their ACH transaction. This was true for 4 that I opened through them between July and October. Their approach to payments through ACH changed this month. Now instead of being able to have the entire amount of the CD paid for immediately, they would only allow $5,000 a day and, yep you guessed it, together with a $10 fee for each transaction. This then left me with but two choices either cancel the CD or mail if Priority Mail. Thanks to them, now much more effort must be taken to fund the account. Anyone interested in opening a CD who lives distant to one of their branches must now decide whether their illogical approach necessitating more time and effort is indeed worth it.
Original posting on 6/7/2017: Pelican's on line application followed with verification questions (4). I answered each correctly, yet, possibly because of the data base used, they said I only answered 2 with the right answers. They then, without any prompt to call them, rejected my application. Period. They then deleted my application from their system. Wow. Talk about making me feeling like I'd committed some form of crime, something I would expect only from our government, this was it. It was the only time in my life I'd ever been rejected. The only recourse was to go into one of their branches, which I did. Tremendous inconvenience, of course, on my part, because the closest was about 65 miles away. The rep that I opened it with at their Shreveport location was extremely helpful and knowledgeable. After I showed her the back and forth message interaction, she created the accounts I wanted. I would strongly recommend her to anyone using this location. Her name is Shamita Demery. Her value system is well intact and her intelligence is well above average, plus she was a pleasure to talk with. She was the only saving grace to this arduous process.
DO NOT DO BUSINESS WITH THESE PEOPLE! They sent me an offer in the mail in July to skip a payment in August. Needles to say, I took advantage of the offer. Well, here it is September 6th and I just received a notice saying that my account is delinquent! Called to speak to the local rep in Monroe, LA and as usual, they are always clueless about EVERYTHING! They never took ownership of their mistake and now my credit score has gone down 20 points because of their mistake! This is not my first bad experience with them, but I want go on and on. Trust me! Stay clear away from these people!
Pelican State Credit Union is by far, the worst credit union I have ever used. They are not set up to accept automatic transfers from any bank to this credit union. The only way an outside bank can transfer into this credit union is by bill pay only.
If you don't have great credit, then you might want to re-consider applying for a loan here. This credit union only caters to people with great credit. They make lots of excuses for denying loans. On top of that, every time this credit union denies you a loan, they take 5 dollars out of your account. They offer free credit counseling and when you talk to the counselor she tells you everything you already know. Once you do everything the counselor tells you to do, they still deny you, and then charge you once again. They are not willing to help you re-establish your credit.
They do not return emails. If you apply for a loan with the manager, she has one of her employees return the phone call of denial. Very poor service!
Pelican State has the most responsive staffs that address my questions and requests always in a timely manner. They also offer a great rate for the checking account which is a big plus. I hope in the future they will always continue to maintain the quality of the service and never stop to improve it.
How can a person from Florida make a wire transfer from someone else's account, located in Zachary, LA and the credit union not throw up a red flag!!!! This happened to my son and daughter-in-law's account, and now Pelican has closed their ENTIRE bank accounts (Christmas Club, checking, savings, credit). Someone please explain!!!! Cause I'm having a hard time understanding!!!
I HATE Pelican State Credit Union. First, it took an act of Congress to get them to draft the funds from my existing account in order to open this one. I missed receiving the 4% interest on the first month b/c they didn't set my ACH deposit up in time. No one ever answers when you call...the hold time is ridiculous. The website is as un-userfriendly as I have ever encountered. I tried to set up Bill Pay so that I could transfer money to my other account but the "red tape" and technical issues involved were the last straw...again no one to assist when I established my "Secret Word" (different from a password, mind you) and within 5 seconds of setting it, my account was locked. I requested they close my account and transfer my money back to the bank they had debited it from, but received a reply that they were not able to do that. Fortunately my other bank (Gulf Coast Community Federal Credit Union to which I would give 5 stars and offers 3% interest up to $25k with fewer monthly requirements) was able to draft the money from Pelican. I had to fax in a request to close the account (no big deal) but received another reply that the last sentence ("for internal use only") on the bottom of the form was cut off, so I re-faxed it. 2 weeks later, my account is still open and my money has not been returned to me.
I have noticed from personal experience that each time I use my Visa Debit card to make purchases over the phone that Pelican State Credit union will put multiple holds on my account...I have had up to 3 holds placed on my funds for a single purchase. Why? They will also make it difficult to impossible for some merchants to correct these authorization holds. I'm beginning to think that the credit union isn't really much different from a bank after all. They will try anything in hopes that a customer will overdraw their account, after all they have to make money too. I've also noticed that they will have a purchase authorization, then post that purchase to my account for 2 to 3 days then remove the post for 2 to 3 days then post it again. This happened to me recently for a 500.00+ transaction. I wonder if they are monitoring my purchase/spending history hoping that I will overdraw my account.
All I can say is beware. Each time you use your Visa Debit Card for a purchase placed by phone, make sure you have 3 times the amount of funds needed in your account because you are guaranteed to have several authorizations for a single transaction.
I'm thinking of keeping my savings account and opening a checking account with someone else after all this. The little bit of interest they pay can't make up for any overdraft fees that they may charge.
I also find that it isn't convenient to do business here. There aren't enough locations in Baton Rouge, and as far as I know the only location that is open on Sat is in Zachary.