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  • I was a member for about 5 years and had several loans. Everything was fine until I had ran into some unexpected personal financial hardship. Now, during the hardship period, I had still always been on time with all loan payments. But somehow they know when you're having financial trouble. On 2 separate occasions during this time, they both called and sent letters to me, asking for payments they said I had not yet made. Each time I pointed to the payments that had been made more than on time, that they had applied to an incorrect account. Each time they ended up eating crow. 3 loans. 5 years. Never late. But if you ever have problems such as the loss of a job, they get an itchy trigger finger and assume you're late or haven't made a payment and start calling even though you've never been late and aren't. And yes, they apologized the first time. The second time they felt so embarrassed, they couldn't apologize so they actually sent new terms to me in the mail, notifying me that if ever late, that they intend to charge a heavy fee. Really guys?!. WOW! I guess someone inside must have been reprimanded for screwing up my payments so this is the retribution that person has taken. Np problem Cardinal Community Credit Union. I had never been late, so there never were any late fees paid to you through the remainder of the lives of my loans anyway. What you need to do is weed out the 1 or 2 unprofessional employees you have to fix the customer relations issues you're currently having. Used to be a decent CU and still could be. You need to find your way back to those days. Many good banks and CU's out here. I do not recommend Cardinal Community Credit Union for any banking needs, for anyone at this time.
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