UNIFY Financial Credit Union Reviews

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Based on 12 review

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The Absolute Worst Banking Experience Ever

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I highly recommend against this credit union, they have wasted weeks of my time, asked for all kinds of personal information, only for me to be told that they cannot open my account. They blame their lack of competence on another institution. I want my money back and will never do business with these idiots again.

Lost Deposit

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I have been a customer at this credit union since 1991 when it was Western Federal Credit Union. It had always been an excellent bank in every way. Once Western became Unify, it was not the same and I have had ongoing problems. Each year, for the past 5 years, there are several months that I make a regular deposit of $2,800 into my savings account. The deposits are in the form of a check, U.S. Funds, written from a Canadian bank. And every year, at least once a year, Unify makes mistakes on the deposits. Once they converted US Funds to Canadian funds, then back to US funds and deducted a conversion rate of $1,000. It took many long phone calls and messages to straighten out their mistake. On February 28, I made the deposit as usual and it still has not posted to my account 6 weeks later. Normally the transaction takes about 2 weeks to post. I have spoken to the bank every day for the last 4 days. On day 1, I was told someone would call me the next day once they had located the deposit. No one called. I called the second day and was told they were processing it and would contact me with an update. No contact. I called the third day and was told they located the deposit, had requested it to be expedited and it would post to my account by 6:00 PM that night. It did not post. I called the next day and was told they found the deposit and were sending it to Torrance to process and it would post in a few weeks. I said that was unacceptable. They had the check for 6 weeks and let it sit at the bottom of someone's pile without processing. This was the Barranca Branch of Unify and the Branch Supervisor is Fabiola, and the Branch Manager is Shawnette. They both failed at doing their jobs and clearly manage that branch very poorly. The bank has never apologized nor has one of the supervisors or managers accepted responsibility for the reprehensible neglect. I was told someone would call me yesterday before noon to give me an update. Needless to say no one called. It is now day 5 from the day I started searching for my money and still no word from the bank and no genuine confirmation they have actually found the money they lost. Each time I make these deposits, I hold my breath because the tellers are never familiar with how to do the deposit correctly and I am acutely aware of the possibility of a mistake.

I can't express how disappointed I am in this bank. I will never recommend it to anyone. They don't deserve to be in business. And as an aside, I am amazed at their low ratings and how many bad reviews they have received.

If You Like Losing Your Money!

They were just okay as Western now they are trash and a black hole as “unify”. Only use them if you like your processed transfers going into a black hole and having to spend time dealing with their poor service. Gross.

Horrible Service

I opened my account and got a car loan. Smooth, no problem. 2 months later, I deposited a cashier's check at a coop branch for about $40k. Unify FCU put a 10 day hold on it. 10 days hold for a cashier's check.

What is the point of getting a cashier's check if you are going to hold it 10 days? I Called Unify, and was told that they needed an image of the check. I sent that in. They said no. I called multiple times, and was put on hold for 10 minutes each time. I sent 3 messages with images of the check after it cleared from my other bank.

Each time I called, they refused to let me speak to anyone that could actually release the funds. They just said they would 'elevate' it and make it 'high priority'. Nothing changes. I got a message saying they were waiting for the image of the check, which I sent twice 1 day earlier.

They have low rates, but you get what you pay for. Closing my account after I get this check released - which still hasn't happened.

Inexcusable Failure

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August 31- September 1, 2017

IRRESPONSIBLE. I've had a several year history of Western then Unify. Exceptionally unsatisfactory service repeatedly, not just a single experience with a single agent. Had UnifyFCU agent Vernon on line while I attempted to navigate system to register for online banking. Repeatedly got error messages, sending me back to previous pages. Neither I nor Unify agent could get through. A “Verification” number failed be transmitted to my email (address was confirmed correct). Tried in again by phone, was told it would take less than two minutes but it took from 4:17 to 4:40pm (August 31, 2017), leaving me hanging...

Was told I could use “password of your choice”, and I had agent repeat the claim. Tried it but it didn’t work and eventually discovered the agent’s information was incorrect. Later I was instructed to use password of “eight characters”. Again tried it, again discovered information was incorrect. Later told to use eight characters plus both upper case and lower case letters. Want to guess how long all this took? Even with a Unify agent on the phone giving instructions?

Disrespectful. Identified my name correctly. Repeatedly. Agents paid no attention, addressing me improperly.

Dishonest. Supervisors Laurie and Maggie repeatedly refused to give me contact information and address of corporate offices. Told me their managing supervisor, Oswar, would call me between 11:00 and 12:00 today. I waited. Never received call. 2:15pm, still have not received the promised call.

No excuse for any of this in my opinion. A reply "sorry for the inconvenience" does not suffice. Unify communicates inxecusable lack of interest in (some of) their customers.

Poor Service

Really disappointed in the level of customer service I received. I applied for an auto loan and was pre-approved without any problems. It took them a month to make any further decision on my application. My loan officer was extremely slow to reply to my phone calls and emails, always shifting the blame to other people for why things were taking so long. Finally when she called to say that my application had been denied, I got a letter that was sent a full week earlier with the same information. Would not recommend this institution for loans.

Unify (Western Financial) Credit Union

Hard to get your IRA money transferred to another custodian after maturity. We had money maturing on 6/20 and on 7/1. We sent the transfer forms in ahead of time. It is now 7/13 and they are just getting around to
transferring the money now.

Customer Since Western - Awful

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I've been a customer since Unify was known as Western. I have consistently been faced with unknowledgeable and disingenuous staff. It took months before I could make payments online because of their outdated system. When I finally was able to make online payments, they were quadrupled. Their mistake caused my account to overdraft. Today however, was the straw that broke the camels back. I was at an airport restaurant when my credit card was rejected. They showed no compassion for me as I tried to explain that it was my only card on hand and that I recently made a payment. In addition, I needed them to approve my charge so that I wouldn't miss my flight. In the end? I got absolutely no help whatsoever. I'm officially leaving this credit union which I should have done years ago. If you're looking for a reliable and friendly credit union, this is not for you.

Excellent Service & Promo Rate Experience @ Western FCU

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CA Auto Loan Promo: I just completed a new car loan with Western Federal Credit Union in Hawthorn, CA - 2.99% for 60 months. It's available to qualified members in CA that have a credit score of 740 or higher.  No down payment required, fixed rate for term of the loan, no prepay penalty fees and calculated on simple interest. Check their site for futher details. Topping that off the customer service was Excellent!!! I worked with Santos who returned calls promptly, confirmed receipt of faxes, did everything he said he was going to do, and went beyound to expedite the process due to a surprise deadline that was a result of car dealership monkey business. I searched the web high and low but could not find a better rate for the 60 month term. 

Mortgage Discount Promo: My mom's boyfriend is refinancing his home loan with Western as the have a promo for NO Closing Costs & NO Processing Fee. The 30 year fixed rate looks really good. Check site for futher details. He is working with Aaron, the branch manager, who is also very personable, informative and has the members best interest as top priority.

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