text: These other people must be banking somewhere else If you have to call there are long waits on the phone Their call routing system never has an option that matches my problem but I have to sit through the whole recording just to get to member services nnI got a refinancing I asked for a prequalification letter because I was going to use the cash out on my house to buy a lot to build on later I needed to show the sellers that I was a sound buyer Not only did I not receive such a letter but I was never actually told that my application was approved I asked when the closing was going to be and they said they could not give me an exact date I said give me a ball park so I can tell the buyer and they refused I asked to borrow of the appraised value of the house and the person filling out the application just picked a number out of thin air and that is what my loan amount was had nothing to do with the appraisal I tried to get that fixed once I actually got the paper work on what the loan was going to be but they told me it was too late and I would have to start over It took THREE MONTHS And it is not just that I had these problems it is that when I call in and ask for stuff they were down right rude nnMy husband and I transferred our IRAs to the credit union about a year and a half ago The young lady at the branch who helped us was really clueless After doing taxes we changed our withdrawals to contribute and when we went in and signed for that the paperwork was screwed up Our withdrawals did not work correctly and I had to call every month for FOUR months in a row There was one guy in the IRA department who was competent and had good customer service but everyone else I talked to were not only inconsistent in their answers but rude It was like they were doing me a favor to even talk to me and could not figure out why having to baby sit my investment account every months was a problem for me Also the automated withdrawals are cut off at a year We are over and so by law can put in a year The credit union has our date of birth because they use that for security But they cannot figure out that we are over and make the limit easy for us to achieve without sitting on the phone an hour a month or signing and faxing another transfer request on top of the one we did for the whole year to reach nnWeve sold our house and are getting our new mortgage somewhere else at GNOFCU in New Orleans I got a prequalifying letter in less than an HOUR there And they gave me a closing date when they filled out the application I am moving everything else I have at Truliant Good riddance