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| 1 star: | (7) |
Somehow this CU manages to be totally incompetent while at the same time managing to rip you off. From start to finish, every step of working with them is an exercise in stupidity, a stupidity they rely upon to charge you fees.
AVOID AT ALL COSTS - IT ISN'T WORTH IT
I got pre approved for a personal loan for 25,000 on 8-8-2023 by loan officer Tara garvin. She called me and verified my identity by calling me on the number that is on my fraud alert on my experian credit file. She told me that, I had to open up a membership to get the loan finalized. So I stopped by the branch in atlanta and opened up a savings acct the same day we spoke on 8-8-2023. I called her on 8-9-2023, but she was out of the office. So I called her on 8-10-2023 and she told me that she was sick that is why she wasn't at work on 8-9-2023. She told me that everything was completed for the loan, and that she would be sending me the loan docs for me to docusign in 30 mins. Then she asked me what time did, I want to pick up the check so I told her 1:30pm. She said she would be scheduling a appt at the branch for me to pick up the check at 1:30pm. I never received the documents via email for me to sign the papers so, I called her back but she never answered the phone. I called the loan processing department and asked KYLE who was rude/unprofessional about my loann documents never being sent to me. He put me on hold then came back on the phone and said that a email would be sent to me. I was confused, because I was told I was approved for the loan by Tara Garvin. I kept calling and emailing her in which she IGNORED every call/email. She then sent me a email stating: "After submitting to processing this loan has been sent down for further review and we are unable to complete your request at this time. You will receive notification once review is complete either by phone, email or a letter in the mail as to the decision or next steps." I don't know what games she was playing, but I was trying to see what happened. I kept calling the loan dept and they said that they couldn't tell me anything then kept hanging up the phone. I completed everything and still have no idea what happened to my loan!
Terrible experience. We were lied to. A “Universal Banking Associates” told us would pay one rate which we had specifically asked about to make sure it was close to the one we paid at our previous credit card company. On the phone the “associate” figured what our payment would be, and it was reasonable. Spoiler alert! - We were lied to about the rate we would be paying.
We got our first bill. The amount was almost double what the associate had quoted to us. The associate would not return calls. She responded to our emails stating, “I have reached out to our VISA service department for advice on this” followed up by “I have heard back from our Visa Service Department, the minimum monthly payment is 2% of the Visa balance. I have attached a copy of the truth in lending disclosure that will be coming in the mail with your new VISA.” Interesting in that we couldn’t have even known about the actual rate until we received our cards, but they, Wings Financial, can say whatever they think will get you to sign on with them until then. That is one devious business practice.
Obviously we were not happy about being lied too, so we left a final message with the associate and said that someone needed to call us, even if it wasn’t her.
We did receive a call from a branch manager, stating they have no control over the minimum monthly rate. When asked about tlying by being told one rate, but given another, she repeatedly stated that’s not the way they do business (by lying), but there is nothing they can do about it. Ironically, lying to us and then denying responsibility was exactly the way they do business. The manager also kept calling the lie a “miscommunication” in some type of weird Orwellian doublespeak. No, it was simply a lie. When we called their customer service number we were on hold for over 30 minutes – I guess there were a lot of complaints! Go elsewhere for your Credit Card needs, if you go to Wings Financial you will likely regret it.
They are terribly organized. Different departments refuse to work with each other to resolve issues. You'll waste hours of time trying to get answers and resolution for even the most basic of requests. There are some nice people working there, but their hands are tied so they often cannot do anything to actually assist you. Plenty of other banks out there. Avoid this one at all costs.
I have been unable to transfer money to my account at another financial institution since Wings performed a system upgrade about 2 months ago. I have called and spoke to several customer service representatives may times over the last few months and get the same response. They are aware of the issue with their online Web app, they are working on resolving the issue and have no ETA on when it will be working again as it is an interment problem. The first few times when calling they told me they would look into the problem and someone would get back to me. No one has ever called me back up to this point. I have worked in the financial industry for 30 years as a IT Programmer/Devoloper providing production support plus many more duties over those years. If one of my upgrades that I installed would have had any issue like this and still was not resolved by this time I can guarantee you that I would have lost my job by now. Not happy that this issue has not been resolved yet and not happy with the customer service that I have received related to this issue. I have a substantial amount of money in many different accounts and will not be depositing any more money with this financial institution if this is the type of service they are going to be providing going forward.
I've never had this much difficulty trying to make a payment on a credit card. For the past one and a half hours, I've been on the phone with various people at the credit card company, with Wings FCU, online with my Wings FCU account, downloaded the Wings app, and I STILL CAN'T MAKE A PAYMENT. No other credit card has given me this much difficulty. It's beyond ridiculous.