Wescom Credit Union reviews and complaints

I have used Wescom Credit union for at least 10 years and am a Signature Member. Well, in the past couple of months they have literally stolen hundreds of dollars from me. When you use your ATM card somewhere and there's no money in your bank it will decline? Usually, this is what happens. Well, not anymore. They will take the money out and pay for it, for instance a $4 coffee at Starbucks, then turn around and charge $30 for it! No, you will not get your money back, it's an obvious mistake on YOUR part for opting in to some overdraft something or other which if you don't read the fine print you are SCREWED! Also, the pending charges now, which are usually taken from your balance so nothing can go against it, no more of that either, you will get bounced on $30. I am closing my account asap because it's costing an arm and a leg to bank with them.

I have had a domnant checking account and personal line of credit with Wescom. I have not used it in several years. Today I was notified by a credit card company that my line of credit was being dramitically reduced due to a delinquancy reported to TransUnion. I contacted Wescom and learned that a few months ago, they had started charging $5/month to have a checking account. They say that they notified me by letter at an old address. (I had not updated my address because I was not using this account.) As charges accumulated, they transferred the balance to my personal line of credit and when I didn't pay on it, they reported a delinquancy to TransUnion. They say they tried to contact me by phone, but did not use my e-mail address to contact me because the people handling this were not allowed to send e-mail messages to customers - only top management is allowed to use e-mail address to contact customers. My e-mail address is current with them, so they could have reached me that way if they had used it. Now they have damaged my credit and it will take 6-8 weeks for them to correct the report with TransUnion. It seems like nothing more than MASSIVE GREED to start charging someone a service charge on a dormant account and to not use all methods available to notify a customer that there is a problem with the account.

I tried to use my Wescom Visa Gold card (that I have held for 14 years!) the other day only to be told it was expired. When I called Wescom to find out why I still had not received the new one, they informed me that they had closed the account! They claim they hold the right to close an account for any reason. I told them they have to NOTIFY me! They claimed they sent me a letter w/ a particular date. When I dug up the last statement I had just received, it was dated AFTER this supposed letter...yet, oddly enough, did NOT reflect ANY changes to my account! You would think it would state the account was closed!

As I was speaking to the customer service rep, I told her I was looking at the account online and it showed an available balance. All of a sudden, the screen went blank and then said it had logged me out due to inactivity for too long a time. When I logged back in...what do you know! The account all of a sudden said zero balance! As if my phone call had initiated all of this!

After researching Wescom, I have found that they may be the next bank to go belly up! They make bad loans to themselves (Board of Directors) and have too many credit accounts opened.

To pay for all of this, they are now charging monthly fees for services that used to be free.

They also are doing the whole BofA trick of holding ATM debits too long and then putting them through out of chrono order to gain as many fees as possible. They actually held an ATM debit for 17 days on me, once! They claimed they had no control, but the store said they had never heard of a bank holding one for so long and there was no reason why it should have sat there like that.

AT&T Union needs to rethink their association with this "Credit Union"! They have gone way down hill! Look them up in any review and watch the reviews get worse as time progresses!