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. I got a refinancing. I asked for a pre-qualification 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 80% of the appraised value of the house and the person filling out the application just picked a number out of thin air and that's 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'd have to start over! It took THREE MONTHS. And it's not just that I had these problems, it's that when I call in and ask for stuff they were down right rude. My 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 (4!) 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 couldn't 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 $5000 a year. We are over 50 and so by law can put in $6000 a year. The credit union has our date of birth cause they use that for security. But they can't figure out that we are over 50 and make the $6000 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 $6000)???? We've 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'm moving everything else I have at Truliant! Good riddance!
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(A).