| 5 star: | (2) | |
| 4 star: | (0) | |
| 3 star: | (0) | |
| 2 star: | (1) | |
| 1 star: | (5) |
Telephone support reps are pleasant and friendly. However branch management does not care about their clients and resorts to ghosting customers that have legitimate concerns. In my case, they refused to pay interest on promotional savings and made up new restrictions/obstacles with every inquiry to ensure they did not have to pay the published rates. Don't waste your time with this bank and move on to someone more reputable.
Superior does a HARD PULL of your credit record when you apply for their accounts, mine was a CD! and without tell you.
When I complained to Experian, they refused to take it out, and retaliated by charging a dormant fee on the saving account you have to open mandatorily to become a member!
When asked to refund it, they did, turned around, and paid LESS that the advertised rate for the CD.
Overall, it's hard to find the area for messages to communicate with them; If they don't write something to you, you can't access that area. Mobile reps don't read the member services reps' notes. They are condescending and do not seem to want to help their members.
I have had dozens of credit unions memberships throughout the years. I have never encountered a credit union this poor. Never again.
Credit union received a membership application including all required information and full information from both credit reports pulled. No disclosure or information was provided for a hard credit inquiry and no credit was applied for with all overdraft and courtesy pay offerings declined as instructed by representative. Credit union alleged they received no reports due to freezes. No freezes were in effect. Credit union alleged they received only "frozen" report notifications. Again there were no freezes in effect or such notices, yet there were inquiries on ChexSystems and Equifax. Equifax report was even showing a hard credit inquiry contrary to allegations there would not be one. Credit union alleged there should not have been a hard credit inquiry as no credit was applied for or requested. Credit union has refused to contact Equifax about their error. Credit union then cited information from both reports, the ones claimed that the credit union never received due to alleged "freeze." Credit union has denied a simple deposit account despite having received complete report information from ChexSystems and Equifax including confirmation that account would have been opened if not for the non-existent freezes in place (when again, there was no freeze or they could not have reports). Credit union has failed to send the legally required notice of account denial. Credit union has falsely misrepresented on numerous occasions the actions being taken by the institution at this point, and has provided no compensation for financial harm done as a result of the erroneous credit check and extensive weeks spent on the ridiculous "frozen" while not frozen at all charades and countless falsehoods.
In my view their Superior Choice's behavior has crossed from "mistaken" to improper, if not criminal. They provided me with a car loan through a dealership. At first it seemed to go well for a couple months but then they took money that they were not entitled to from a Florida account of mine. I had given them permission to automatically deduct the car payment, and only the car payment, from that account. However, they took out $4000 for insurance they claimed they had to put on the car because they were not listed as the leinholder. The problem is, they WERE listed as the leinholder from the time I purchased the vehicle, before it went off the lot. My insurance agent sent them the information on it at that time. This was a mistake entirely of their making within their company. Rather than check their own records to look for a mistake they just charged me money and assumed I wouldn't notice? When I asked I was given several different run-arounds with various explanations, always convoluted and not making much sense. My insurance agent and I had to resubmit information more than once to show them what they got originally was what was correct.
After many, many weeks and at least 40 hours of my own time and insistence, I worked out an arrangement where I received some of the cash back as a check and the rest was to be a credit for my July car payment. I had to insist over and over to people that THEY took money out of MY account and I wanted money put back into MY account. It seemed like a basic concept. You took money out erroneously, you finally acknowledge you did, but you refuse to put the money back??? The agreement was out of the $545 they were intent on keeping, $366 was to go to my July car payment and I was to get a check for the rest. I did receive my check, however I do not know if it cleared because I just deposited it. However, the amount that was supposed to be used to credit my July payment was still deducted from the other account and I never received any additional money to cover it. They are still holding onto money THAT IS NOT THEIRS TO HOLD. I did not expect that based on our agreement and now I have to pay transfer fees. Plus my statement also listed the "credit" once but the same amount twice as two debits. I haven't started fighting on that one yet.
DO NOT DO BUSINESS WITH THESE PEOPLE. In my opinion, they will hold you hostage, first insist that nothing is wrong and then confuse you out of your own money. For example, apparently "refund" does not mean giving somebody back money "mistakenly" taken. I was told It is some other accounting mechanism for the future that is difficult to follow but they just tell you they will refund your money. It is only when trying to track down how the refund will work that you find that out. Apparently they still hope nobody will notice they are draining their bank account illegitimately. I will say the final agent and I got through it and came up with a result that I would accept. It is too bad the company didn't back it up. I don't know where to go from here but I assume there is some regulatory agency that looks out for things like this. Of course, once again my time will be spent trying to get back money that is rightfully mine in the first place. I wish I had known. I will notify the car dealership not to use this place again.
*Multiple issues with my escrow that caused multiple other issues.