We have been trying to obtain a loan modification from Union Bank for over a year now. We are small business owners that have been hit by the economy like so many others. We need a modification to stay in our home. There is a narrow 31% DTI (debt to income ratio) a customer has to fit into in order to qualify for a loan modification. After going back and forth with Union Bank for a year, we DO fit into the 31% ratio but now they suddenly tell us that we are too upside down in our house for them to help us. Basically what this means, UB has run the numbers on their end and it makes better finacial sense for Union Bank to have us short sale or foreclose vs. giving us a lower interest rate to stay in our home. We are currently at a 6.25% interest only loan and they stand to lose too much money if they modify a customer that truely needs it. They would rather have a customer out of their home for their own benefit. This bank does NOT care about its customers and only cares about the bottom line. Buyer beware!!
I just got off the phone with First Bank, the people who manage the UBOC credit cards.
I have on NUMEROUS occasions, called regarding my payments not going through on my UBOC credit card. The reason why this card was even appealing to me was that it was associated with my bank, which I actually really like. First Bank, on the other hand, is the worst CC company to ever work with. Not only were my payments not going through, my online access was blocked because of non payment. They said that they are sure they called me. I have NO phone records of them even trying to reach me. I have more than 20 times of the account balance in the bank, I can pay my balance but now, they not only can I not use the card, my credit has been affected.
I plan on reporting this to my credit agency, the BBB and if I have to, I will get my attorney to send them the message that this is not the way to keep my business!!!
they took over the frontier bank, never had any problems. then out of the blue they are telling me that i cannot do, that i have been doing for 30 years....and will continue to do with other banks.....and they really don't care. probably the total average balance if you add all three acounts together was 185,000 or so, so probably small for the bank, but i think it is significant. i hope i can learn not to treat my customers the way they treated us....
Union Bank is AWFUL. Would give 0 Stars if possible. They recently started re-ordering your debits and make largest ones hit first (didn't other banks get in trouble for this years ago). This is just a FYI as I don't make charges that won't clear but I do not feel that manipulation on your transactions is on the up and up.
Union Bank has just recently started holding direct deposits in pending status for 2 days after they have received direct deposit. My direct deposits have been done for over 2 years and this "holding" has only consistantly started occurring within the last 3 months.
Worst Teller customer experience: When I tried to make a $80.00 cash withdrawal to keep $40.00 and put $40.00 into another account that I am not on. Simple right? $80.00 out of my account. Keep $40 cash and hand deposit slip and $40 for another account deposit on an account I am not on. (Not possible for me to do a transfer to the other account because I am not on the other account). The teller rudely help up my $80 withdrawal slip in front of my face and ripped it up. Told me I didn't do it correctly and made me fill out 2 withdrawal slips from my account each for $40. NEVER in 4 years have I been told I filled out my withdrawal slip incorrectly when doing this very same transaction. To make me fill out 2 withdrawal slips like this was beyond reasonable for a simple transaction.
DAY I DECIDED ENOUGH! Had a Union Bank Rep do a pending debit "release" directly with the merchant on the telephone who was trying to credit my account back for a charge that had not gone through yet (in pending status) and UNION BANK put the "released" charge through the account anyway and debited the account and paid the merchant. Now Union Bank is claiming that it is the merchant's fault and they committed fraud. HUH? recap: Union Bank Rep does a release on the pending debit directly with the merchant on the phone and Union Bank pays the mrechant and it's the merchant's fault!!!
They are now telling me that for me to have the money they paid the merchant, I have to file a claim against the merchant for the fraudulent charge which can take anywhere from 10-90 days. Have they lost their friggin minds? The merchant didn't commit fraud. The merchant was crediting the account back and Union Bank PAID them after they "released" the charge.
STAY AWAY FROM THIS BANK! They "play" with your money at your loss and expense and blame everyone else.
Union bank changed their accounts earlier in 2012, and it has been a terrible experience from that point. I've been with the bank since the 1990's, but now i'm incurring $8 fees per accout, per monthly cycle, even though the total balances of all accouts result in the fee's being waved. I've had to call 5 times since the change, plus numerous email exchanges. Just went online and noticed that I got hit with another fee in one of my accounts that the CS rep has fixed "Twice".
Think i'm done. As much as I hate the hassle of moving accounts, and setting up all the auto debits from different creditors, it's simply too much of an annoyance to stay anymore.
Very unfortunate, I was happy with Union bank up until the change. it's no longer pleasant to do business with them. Guess I'll check out a local credit union...
UBOC has the worst customer service and huge fees for anything! Simply having a checking account now they are chargining monthly fees without any notice whatsoever. They say you have to go to the home branch you created it at to figure it out. I have closed my account and will NEVER bank there again and will advise everyone else to follow suit. Chase has provided great customer service and no service fees I appreciate them more and Bank of America isn't bad either. Hope this helps give you an idea of where to put your money
I recently open an account with Union Ban and never had any issues with customer service. When I started using there online service I notice I was being tracked by cookies. Union Bank allows Core Metrics Foresee Results to track you while you are signed into their "secure web page". I have never heard of a bank using cookies to track while I am viewing my personal financial information.
When I ask why the first response I received was "you can delete cookies". After speaking with three people no one could answer why they were tracking me and using cookies while I was view personal financial information.
Caveat emptor=Buyer beware.
I had my car broken into on November 11th 2011 in the LA Fitness parking lot and my CC was charged 4 different transactions at Target within an hour. Number one... they told me it would take a month to clear up the fraud and place my money back into the account.... EVEN WITH MY FREAKIN POLICE REPORT. I gave them everything that i could to show them that i was a victim here and that i deserve to have my money gone due to some criminals. Why am i punished for someone elses crimes!!!??? I spent hours on the phone with the bank to make sure that they put the loan in so that i don't have all my checks for bills bouncing. I def thought they did a good job by working hard to get things back to normal for me. BUT THEN... i see that the bank took out one of the charges in Feb 2012 that had been taken from my account back in November. When i called in regards to this matter and asked what was going on and why the bank took out $217.44 from my account, they told me that the $217.44 was found to be authorized by me. WOW!!! Really??? this bank is a joke. Basically what they are saying is that while i was at the gym... and people that completely violated my earnings were swiping my card freely ... i somehow authorized one transaction. My police report was fully detailed... the money from my car window getting smashed in is something that I had to pay for out of my pocket. Why am i getting punished for someone elses crime??? A Bank is to protect your money ... not be stupid about what they are doing and start playing around with your account. Now im on hold and have been for the last hour trying to get this corrected. Im extremely upset ... and am deffinitly going to be switching banks in the near future... i wouldn't recommend this bank to anyone. They are HORRIBLE
Union Bank refused to help me in resolving my issue with their Businss Visa issuing Bank, First BankCard. We've had the card for five years, have never had a problem till now. As a result, I am cancelling my account with them. We've been with them for ten years. We deposit about a million a year with them. It feels good to leave them for they don't deserve our business.
First Bankcard, violated my "charge back right" due to their mistakes in the investigation process.
The total amount of $3800 charge back was credit to my visa card on 08/24 based on my supporting document (50 pages) However, when the merchant contested, he didn't even need to submit ANY supporting documents to back up his claims, my bank decided to charge me $3800. this amount was the last payment for a web design project. The vendor was incompetent to complete the project. After five missed launched date, three month delay, and major errors and bugs that he was not able to fix, we gave up. We have all the documents to prove my claim. What stunned me is that First BankCard did not ask the merchant to submit his claim (that he delivered a functional site to prove that he has run real test orders on the site, or he's fixed bugs and errors we pointed on 7/5/11, when he claimed the site was ready on 7/2/11. When is even shocking is that First Bank Card told me I still don't have the proper documentation after submitting all they've asked me for the case, however, the merchant didn't have to prove his claim with one single documents.
I have been banking with union bank for 12+ years. They used to be fine in the beginning, but have gotten worse and worse over the years. They do shady stuff like backdate purchases you made to occur after an overdraft, so you get charged fees for them, even if the purchases were made well before the account was overdrawn.
A few months ago, someone got a hold of my card and made some unauthorized purchases, and they refused to refund them back, all they did was cancel my current debit card, which was no help at all.
Another time, I called to stop payment on a check, and they stopped payment on the wrong check, causing my account to get overdrawn, and they refused to do anything about it or refund the overdraft fees.
Today was the last straw- they allowed a post-dated check to be cashed, again overdrawing my account, and wouldn't do anything about it either.
After being a longtime customer (15+ years) of Union Bank I asked for help on my mortgage. A full year of communication resulted in none other than, "Well, we have no programs to help you, so just pay." I never missed a payment, had two homes and lines of credits on both. I had business and personal savings and checking accounts and a credit score of 790. After missing my first loan payment, UBOC called at day 10 and said they would mess up my credit. It is now 1-1/2 years later, I'm losing both homes, have closed all my accounts - was forced into bankruptcy because of threats that UBOC made and will have two foreclosures. They don't care, don't want to work with you and will mess you up however they can. I've gone from incredible credit to pond scum and I do blame UBOC for their lack of vision. I just needed a temporary modification - it had nothing to do with the fact that my house (which they approved with no paperwork) is worth less than half.
Go with a smaller local bank. Go with a military bank, if you can. Do not work with Union Bank, plus their rates stink.
Union Bank also known as Frontier bank in the northwest committed consumer fraud by changing loan documents and misrepresenting a loan to myself. I had to pay an attorney to get them to correct that was intentional paper switch (addition of cross collateralization) of loan documents. They also have even continued to make loans to a person of which that committed and admitted to bank fraud of about 1 million dollars in King County Superior Court. Frontier bank was bailed out by the FDIC and now is called Union bank. I recommend you stay away from this bank it is the same bank with the same employees who crippled our economy with their bad lending practices. I would recommend that you invest in banks that have good ethics not Union bank.
I have been a long standing customer of Union Bank. I own my own buisness and also have a business account with Union Bank. I had a car break in and my purse was stollen. I called union bank right away and informed them of the theft. They were to freeze my account in order to protect my funds. The next day I went into the bank to trasfer my funds and was informed that I had 44.00 in my account. 3 different drive up tellers at 3 different Union Banks let these thiewves withdrawl 6500.00 of my hard earned money. The lady on the phone I spoke to did not do her job and left my account wide open. It has been 6 days and I still have not been given back my money and have no idea when their investigation will conclude. I have been trated like the criminal. Be aware your money is not safe with this kind of careless employees.
They are hard to work with. I paid in advance for foreign exchange money that they forgot to order. They put holds on almost all checks, even government checks. I am in the process of transferring banks after almost 20 years.
This bank is deteriorating, with a lot of newbies who don't know what they are doing, and they have no professionalism. You are on hold forever, and transferred and transferred, while they then tell you (after tons of questions to verify who you are) that they cannot help you stay away from this pile of losers. But Chase is awful too.