Consumers Credit Union
Reviews and Complaints

We have been a member of Andigo for at least 25 years: obviously it has been an excellent experience. Your credit/debit card are closely monitored. The loan experience for Home Equity needs is worth mentioning. We recently rolled over and increased our loan amount and closed all within a week. It was an incredible experience. Request loan officer Celina Cortez!

I shifted from Chase to Andigo a year ago. Their service is outstanding, the employees are very attentive and focused, the branches are clean and efficient, the website and phone app are very user friendly, and it feels good to be part of an organization that cares. Paulina, Brie, Gilberto, Danilo - such a great team! Recently I worked with Celina on a loan and she was so professional and got the job done right - according to what I needed. Thank you Andigo, I'm so glad I made the move.

I was drawn in by their checking account and high interest rate. But their customer service is abysmal. It took three calls and an hour on the phone just to order checks for the first time. Then when I tried to apply for a credit card my questions went unanswered for a week. When someone finally got back to me the excuse was, "I was away from the office." I was already weary due to the delay in contact, but that response tipped it over. I guess my account wasn't worth their time. I will be taking my business elsewhere. Do Not Recommend. Bad Customer Service.

After refinancing my vehicle through this organization, I continue to get threatening letters (always on Saturday, when there's no one to talk to) demanding "proof of a perfected title". I've submitted every piece of documentation available to me, including my vehicle registration listing them as the lien holder. I just called them to find out exactly what they want. The first guy hung disconnected me while on hold, the second lady dumped me back into the queue, and the last lady (I was out of patience, at this point) just flat to hung up on me. So, apparently, their MO is to threaten to raise one's interest rate over a thin excuse of "no perfected title" and provide exactly zero information on what they'll accept in order to keep your original rate. I strongly advise anyone considering doing business here to reconsider.

I don't even know where to begin. I applied for an auto loan a few months ago, was approved, and then sent in all requested info within the week. The loan officer, Hilda ***, then kept requesting things from me I could not personally get that should've been their responsibility. They had no idea what they were doing. They also made me get insurance for the car, but then stopped responding to me so I was paying for insurance for months no reason. I called multiple times and emailed multiple times just to get no response. When someone from the bank finally answered their phone, she was beyond rude, talked down to me, and just regurgitated what the loan officer had been incorrectly saying so apparently no one there knows what they're doing. Hilda ignored me for months, and then would finally get back to me only to ask for stuff I had already sent and stuff I could not get yet like a registration for the car that I did not hold the title to. Only after I had the other auto loan bank verify it was CCU's responsibility to send them a check paying off the loan did they act like they were continuing with the loan (the other bank was in disbelief as to how they were handling the loan). I seriously had to email them step by step instructions on how to take over the loan. How does a bank not know how to handle a car loan? She then had me deposit $2000 that just sat in account for two months. And the when it finally seemed like we were getting somewhere, she told me I had to reapply for the loan because too much time had passed. When I told her how unfair that was that their lack of communication and responsibility was resulting in me having to rerun my credit, she once again did not respond. I was kind throughout the process and wasted time, money, and energy just to end up with no loan. I cannot believe this bank is Complaintsboard.com certified.

Complaint is regarding Consumers Credit Union. On 9/10 I received an email from Dan at Consumers Credit Union advising I had been approved for a refinance auto loan on my 2021 Kia Seltos. At this point my TransUnion report had already been pulled and Dan assured me I qualified for this loan based on my report. For 26 days I worked to provide all the documentation required. This included proof of identity, proof of address, pay stubs, copy of finance contract, copy of notarized DMV documents, etc. I dealt with repeated technical glitches that prevented my account from being opened. I submitted to identity questions from a supervisor who called me twice, because the first time my answers didn't get saved. I was ready to pull the plug and consider other options but on 9/25 I received another email from Dan saying 'I do apologize, but we will get this done for you.' On 9/29 Dan emails me that he's having issues getting access to a system to verify my identity. 9/29 Dan emails and says 'I understand we were able to get the account opening process completed, thank you for your patience. I will follow up with you in the AM, let me know a good time for you, and we can get this wrapped up.' After I wasted 26 days of time I receive an email from Dan 10/6 that based on the information gathered my membership could not be approved so they were unable to proceed with the auto loan. I never received an adverse action notice or risk based pricing notice as required by the FCRA. I feel this whole experience was bait and switch and that I was lied to multiple times by Mr. saying I had been approved and that my account was opened, just to be told several days later this wasn't the case. Also I fear my information may have been compromised since Dan kept using regular email to communicate with me regarding my account. At first he sent me a secure message link, that I used and kept responding to. However Dan kept going back to regular email. Since I received written notice on 9/10 that my loan was approved and on 9/29 that the account opening was completed by a credit union representative, this should be binding on the credit union. Membership should be granted and the loan issued. Retraining should be given to Dan so he doesn't have repeated technical issues that delay the processing of an application. He also should not lie to customers with false approval, until he knows 100% that they were approved. Since the credit union offers the use of a secure messenger, their employees should continue using that instead of jumping back to insecure email.

I recently switched auto insurance companies and due to a miscommunication there was a lapse of coverage for a single day. After a few phone calls with CCU reps, I was promised a phone call to see how the $125 charge for the single day of non-coverage was going to be handled. It didnt happen and I was charged $125 without my knowledge.

The Consumers Credit Union didn't raise any flags about a large sum transferred into their account but now says I can't transfer that money back out due to "security" reasons which is pretty suspicious as ive had to go through security checks to link my external account, and leads me to think they want to keep the money in the account as long as possible.

Company not abiding by their funds availability policy. I am a new account and the policy states under section 5. special rules for new accounts that funds deposited by cashiers checks will have the first 5525.00 dollars available the next business day. However, you have held all 10,000.00 dollars of that cashiers check. And when I called customer service they verbalised a policy that the hold for the entire 10,000.00 check was for seven days.

Consumers Cooperative Credit Union financed my 2012 *** Shadow Motorcycle. Vin#***. Acc# ***. Unfortunately, due to Covid-19 shutdown and been unemployed my payments fall behind and was sent to a collection agency name *** for the amount of $1,360.50. Recently, I was able to pay off this amount and attached is the payoff letter. Key Note informing that I had to contact Consumers for my motorcycle tile, and I did. Consumer refuse to give me my title. I would appreciate any assistant in this matter.

Consumer Credit Union has access my personal imformation without my concent and procceeded to report a late payment reporting for March 22, which is 100% incorrect because today is March 7th and all payments have been paid on time which the associated credit account. Consumers Credit Union also have committed adverse action by decreasing the account's credit limit by $4,600 which is discrimination and they have also furnished a deceptive form using false information demonizing my character without my consent causing frequent headaches and limiting me from providing for my family.

I purchased one vehicle from Enterprise and was financed for one vehicle. I first considered one other vehicle before selecting the one I have now. Enterprise voided the check. Consumers Credit Union put both vehicles on my credit report. I dont even know how I qualified for both vehicles due to debt income ratio. Which tells me that this credit union will finance anyone. Now I am having the hardest time getting this credit Union to remove that vehicle that I did not purchase. I am in the middle of purchasing a *** it is showing my debt income ratio is over the amount and the lender will not accept a letter. I do not feel this is fair because it is their mistake that need to be fixed as soon as possible. I asked if this can be removed from my credit report i was told no. It will only show closed. It should not show anything because its not supposed to be on there. I do not know what to do.

I refinanced my car on 6/30 with CCU. I realized I don't want the Loan Protection. The contract states: "You may terminate protection on Your account(s) at any time by providing Us with written notice at least 5 business days prior to the requested termination date. If You do so within 30 days of purchasing protection, We will credit You for any Program Fees charged for the protected account(s)." On July 2 I asked *** about the fee, no answer. On July 16 I called & chatted with reps, who indicated *** would call me. He didn't. I emailed him and sent secure message as backup indicating the termination of coverage by July 23, per the contract. He emailed back July 16 and said he would get it removed. August 2nd another monthly charge for the protection went on. I'd been emailing ***, who doesn't respond. I called & chatted, they said I needed to speak to ***. *** won't talk to me. I just want this protection removed/refunded...

Consumers Credit Union is the lender for my car loan. On July 2nd, I utilized their "skip-a-payment" feature costing $40 to skip my payment due on July 6th. There was no indication that the payment on July 6th would not be skipped. I had to select the payment that I wanted to skip and that payment was available. A $40 charge was added to my loan and the account instantly showed that "skip-a-payment" was used. On July 6th my payment processed normally -it was not skipped. I called consumers to inquire why this was the case. I was not told then nor by a supervisor on a subsequent call why it had processed. It took a series of emails to be told that in the fine print there is a 5day processing time. Therefore my skip was applied to August, not July as it had shown online. They also would not refund the $40 or the interest added to my account as a result of the increase in principle (.$10). I also requested payment of overdraft fees on my checking account from the July payment.

I have my car financed through Consumers, I work a lot of hours so my wife pays the bills. She is very responsible and pays early. Consumers changed my monthly payment to .25 cents a month more and neglected to inform me. Since my wife is not on the loan they would not tell her she was making the payment .25 short. It added up to $1.75 total and they added on late fees totaling over $100.00 . They did drop 2 of the late fees but their neglect to inform me or even tell my wife to have me call them has dinged my credit that I have worked for to where I can't buy a truck that I desperately need . I have paid the late fees and added .25 cents so they are fine on payment. I only ask that my credit be fixed to what it was before they made the change and neglected to tell me. I just want my credit back to what it was that I worked so hard for. I could understand if it was something that I did to ding my credit but it wasn't I was doing everything I was suppose to AND my wife was making payments early. I have told them before they can talk to my wife, I understand the privacy policy but I have given them permission. Thank you John Butcher

2/17/22 Just was hung up on by a rude, deceptive & condescending customer service rep.I have delt with this manipulative person before & have to walk on *** every-time because of her deceptive ways.I was trying to get help with my account because uncharacteristic charges.This person Refused to transfer me to upper management *** again..- After Siting refusal to transfer me to a Manager because - ( OVER & OVER & OVER AGAIN & again ) needling me about a letter that was threatening to close my account - purposely needling me - When she knew Nothing about the the letter or situation.My *** have been customers of this Bank for Over 30 Years & Dont deserve Any of the Beyond Terrible ways we have been testedEver since we have been put on the *** status at the Bank - We have noticed a huge change to how we are treated.I try to explain to the reps - that we are Not ***s per say - just people who care about paying their bills - So they dont think we are arrogant - just because of how other reps have treated us when they look in the account & see the *** Designation.We shouldnt have to walk on *** to get non judgmental assistance - BUT OFTEN DO

I wrote a check in the amount of $7,301.68 and Consumers Credit Union allowed this check to be cashed for $17,301.68 ($10,000 over the amount I wrote the check for). This caused the check to bounce. A week later, the check was resubmitted by the company I wrote the check to in order for them to get their payment, and the bank AGAIN allowed the check to be cashed for $17,301.68, not what I wrote it out for. This time the check cleared my account, paying out $10,000 too much to the company I wrote the check to and causing multiple other checks to bounce and be returned. When I contacted the bank to let them know of the error, they told me it would take a few days to fix and that the error was done by another bank, not them. I was provided with no protection and had to scramble around to try to put money in the bank so that I would not incur MORE bounced checks. It took a phone call from my husband to the bank and for him to escalate the conversation from supervisor to supervisor to get a more immediate result. This took away an entire day's work of business because of this fraudulent bank transaction. This kind of bank error would benefit the bank an extra $10,000 for several days while they worked on fixing this. This hurt my history with my creditors and the bank saying "sorry" just isn't enough to fix the reputation it took me years to build.

I had called to get a one-time lift on my debit card maximum to pay on a mortgage. Not only did I get passed around through 8 individuals of varying levels of incompetence and waste nearly 2 hours of my life in revolving hold queues, but it turns out the initial idiot that I spoke with had either no knowledge of her job or merely wanted to pass me off to another department as quickly as possible. After finally getting back with a member services representative, I still could not get the lift on my card to free up MY MONEY and was told I would need to wait for a return phone call from a different department for review on a "case by case basis". I was told I would hear from them that afternoon, but no phone call at all from the organization.I believe it is illegal for a banking institution to restrict your money in this manner. Had it been needed for an emergency situation this company would be getting sued.As it stands, I will be finding a more reliable banking institution for my primary banking needs. I encourage every other member to do the same. I have read and heard nothing but obnoxious reports from friends, family, and colleagues who have had similar experiences with this company. Quite frankly, this organization should not be allowed to remain in business. I would not have had any part of them to begin with other than the fact they purchased Andigo CU and "inherited" many of us.

My property is a unique type property and I completed trial payments as agreed from 01 October to 01 December . On approximately December 7, I had not received my documents to finalize the process. Again, the representative said continue making payments which I did. Another week passed, still no documents. I called back and was passed from person to person. From approximately December 07, to February 2022, I received notice from Consumers that my mortgage payment was short and I had been charged a late fee for not paying the full amount. I was informed twice that I would receive a call back, charges were later reversed but no explanation was given. I informed them about my missing documents and was told to continue making payments which I did and I would be ok. While on the phone attempting to figure out the situation, I informed the agent I wanted to pay my March 01, 2022 payment. To my dismay, she informed me the amount for my March 01, 2022 payment was the same amount I had paid in February 2022. After further questioning, she passed me on to another agent. I said that amount is wrong, but made the payment and asked for a representative to call me. Approximately three days later, I discovered my March mortgage payment was not posted on my account. I also have other charges on my statement and I have no idea what they are and cannot get a supervisor. I called Consumers and they said, since I did not send in my documents for mortgage modification and was told I was okay as long as I kept making my mortgage payments. Consumers wanted all the deferred payments at once and WOULD NOT ACCEPT any other payments and would not reprocess my

On April 9th, I deposited two checks to my CCU checking account at a shared branch (United Credit Union). The checks were recorded on my account but not cleared.On April 15th, the checks still hadn't been cleared and I contacted CCU about the situation. First through the chat box on their site and then on the phone with a CCU representative. I was asked to provide a copy of the check and since I didn't have a copy, I was explained that the funds would stay on hold until the credit union would decide to release them. I asked to see CCU's terms and conditions to understand on what basis they are allowed to make this type of decision. I received an email from *** with a link to CCU's FAQ section on the website (which is not what I was asking for, the email is attached). In that section, I found the following information:17. When are my funds available in my account?Your initial deposit is available within 5-7 business days. As a new account, all checks deposited into the Credit Union will be held for 5-7 business days. After you have maintained your account for 30 days, check holds will be at the discretion of the Credit Union.On April 16th, I received a letter in the mail from CCU (also attached) indicating: "We reserve the right to impose holds on checks on a case by case basis. We have decided to exercise this right with respect to the check(s) you have deposited." This letter was prepared by *** G (no last name).I believe CCU:- has not provided a clear explanation as to why the funds are on hold,- does not have clear terms and conditions available to its members so we can understand the exact rules,- has not indicated clearly how and when the funds would be released,- is abusing its position by stating that check holds are at their discretion.Ultimately, I believe that I am being the victim of unfair - possibly illegal business practices - by CCU.I am seeking immediate release of the funds and an adjustment of CCU's policy.