Consumers Credit Union

Robby Wilcox _{on Google}

Apr 7th, 2024

Decent rates on select Checking accounts and credit cards. Issues I have involve employees' repeated inability to solve issues and giving wrong info by phone and in one case, secure email messaging.
Issue 1 in May 2023. Before I planned an $11k purchase at jewelry store (credit limit $25k), I called CCU multiple times the week before and put travel notes on credit card and told CCU the specific merchant and location where purchase would be made. Even sent a secure email to confirm all would be set up right. Repeatedly told all good. Get to jewelry store, tried purchase, declined. This embarassed me and gave jewelry store impression I did not have ability to pay. After close to an hour on the phone with CCU after decline, the 3rd party rep (on a Saturday) said daily limit was locked to $10k and there was nothing anyone could do for me. I ran $10k on CCU card and remaining on different card in my wallet. Paid balance in full by due date.
Issue 2 in April 2024, tried to do external transfer to pay $4.8k credit card balance on due date using CCU app. Verified OTP. Denied due to daily limit. I've made many external CC payments with this card in the past 14 years from the exact same account, none returned unpaid, etc. I called CCU rep who said there was a $3k daily limit. I split payment in half and made it successfully. Other half of payment to process day after kept getting declined.
Called CCU next day when denied again and told was $3k limit on external transfers not per day, but per 24 hours. Rep wouldn't raise my daily limit like I specifically asked for. Waited a few minutes until over 24 hours after my last payment, denied again. Called rep once again, and was told he would have a different department raise daily limit for me sometime the same business day and call me back, guess what? No one called me back or raised external transfers daily limit. Maybe CCU doesn't want my credit card payment.
Seems reasonable to me to expect to pay a $4.8k credit card payment using an external transfer by the due date when credit limit is over 5x that payment amount.
And I don't buy any fraud prevention excuses for my two unresolved problems above. I have been a Fraud Manager at a different FI for almost 20 years with multiple industry certifications. I believe I am much more competent in Fraud Prevention knowledge than any CCU employee on the payroll...
Update-Monday Morning got a call back from a CCU rep confused about what debit card number needed an increase...Huh?
After multiple calls and explanations, employees didn't even correctly describe my problem of needing external transfer limit being raised so I could pay credit card bill in full by due date...Unbelievable!

Sheila Elisarraras _{on Google}

Feb 24th, 2024

Terrible

James Hass _{on Google}

Jan 23rd, 2024

Zero stars, credit card info was stolen. Told me they we send me a new card in two days. Called 4 days later no card, told me it would be there tomorrow. Three days later no card! No I have bills going past due because they have lied and taken forever Im getting me my new card.

Eliceio _{on Google}

Aug 4th, 2023

You don't post your bank phone number

Dre Harris _{on Google}

Jul 27th, 2023

This bank is horrible. I had a car loan with them over a year ago and when it was time for payment they reached out and ive always made my payments ontime. I thought they were a good bank up until I opened a credit card account.. its been over a year and I still havent received a single card in the mail I call and call over in over and gotta go through the same stupid questions process for nothing to get done. Customer service people sound like robots and not one time since ive been calling have anyone tried to go beyond to fix this issue always the same scripted response. Worse experience ever.