| rev:text
| - I hate this credit Union. I have had an account with them for sixteen years, since my parents opened a junior account for me on my eighth birthday. Throughout the years, they have always given me poor customer service and they always talk down to me, as if I don't understand banking lingo simply because I am a girl in her late teens through early twenties. Very frustrating, since I have held three federal jobs with direct deposit, and had multiple lines of credit with them, and they still treat me as if I my very presence is an inconvenience. And the people I speak to on the phone or in person, never have enough knowledge about things, yet act as if they do. When I was eighteen I tried to open credit with them, and they told me it would boost my credit but I had to have a cosigner. I got to cosigner, and they told me next time I would be able to get credit without the cosigner. Yippee! I paid the three year loan off in nine months, and a few months ago I decided I needed a new car. I went to this credit union to get the loan, and they told me I still didn't have enough credit and need another cosigner!! Please note, I have four lines of credit through other banks and the government, so its not that I'm not established, and my credit score is average. So began the beginning of my mistrust of this place
This last week, I finally had enough. I accidentally overdrafted, for the first time since I was in high school! I was starting a new job, and accidentally ran the wrong debit card all day, out of habit. I went into this credit union to set up direct deposit for the new job, and the teller told me I had three overdraft fees. Oh no! But she told me that I was in luck because they have forgiveness for three overdrafts a year. Woohoo! She calls up Lynn, one of the managers who has always given my parents and I, poor customer service especially through the credit fiasco. She immediately recognized me, and without even looking at the screen, asks the teller which account I have. Lynn then looks at me, and says "yeah we can't reverse them. They weren't our fault, they were your fault." And she said it SO RUDELY, as if she was talking to a three year old. At first I thought she was joking, because of how flippant she was about it and she was smiling gleefully as she said it. Apparently making me unhappy brings her joy, which wouldn't surprise me due to how impolite she always is. After I realized she was serious, I was irritated. So I force a smile, and say "the teller just told me I get three a year." And Lynn once again says, "we only reverse charges that are our fault. But we didn't run the card, YOU did." Again, SO RUDE AND CONDESCENDING. I was livid. But I bit my tongue, and smiled and said thank you, and then she smiled back and then hovered over the tellers shoulder, as if to ensure that those charges were not reversed. It was really awkward. I would have understood if she had said no we can't in a polite or friendly way (since the charges WERE my fault) but she was so rude and the conflicting information was very frustrating.
I ended up calling the call center, and someone higher up did end up reversing the charges, by upgrading my account. Not sure why Lynn didn't suggest that while she was standing there, but I will assume it is because she feeds off the unhappiness of members.
Wednesday is my 24th birthday, and to celebrate, I am closing the account. As a recommendation to the higher ups, train your employees so they are all on the same page, and make sure that the people you promote aren't rude. My parents have banked with FCU for much longer than I have, and when I told them how rude Lynn was to me, they mentioned they might close their account too. Chase offers the same accounts and credit, but have much better customer service. And at the end of the day, I will happily pay a little higher interest, to a company that treats me well.
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