Credit Union ONE

I switched from the BIG banks due to increasing government intervention in my banking affairs, hearing that credit unions are more protective of their client info and where money comes from. admittedly the credit unions lack the bells and whistles in technology that the big banks do, such as check picture taking for deposits, etc, but the more «protected» and «member» feelings i have, is a good tradeoff for me, even as a business customer. The staff at the hall road branch has been great,! even at 9 mile also when i stop there, Customer service at the corporate level however, needs help. They do not give their tech support people the tools and training they need for quickbooks and quicken integration and services linking the online banking to those software packages, and the time it takes to get through on the phone is lengthy. But overall, I am staying with CFCU. Gary Moody, you should take a phone call once in a while when people ask for you directly, it will go a long way to building trust with the clients that give you all their money. Some of your entry level staff did not even know who you were when asked for by name. Just my advice as a fellow business owner.

I really like this institution, offer great rates on loans and offer relevant products and services. Can’t make everyone happy, appreciate all efforts by everyone.

This institution continues to have policies stacked against their «members». They improved after the new government regulations but have started to backslide in this last year. Besides illegal transaction stacking techniques I have had some bizarre interactions. I went in recently to deposit a check from a client and the teller (at the Detroit location) basically insisted that the deposit might bounce and described to me all the fees for bounced checks that were deposited. In my business account! Because I am a youngish woman of color? I run an LLC, ive obviously dealt with thousands of client payments. it was strange. As of today I have begun procedures to shut down both my business and my personal checking as soon as possible after speaking with Ken at the call center who offered a frustrating experience enforcing predatory practices rather than something resembling customer care. I would recommend consumers look elsewhere for a financial instution with policies of mutual benefit to both the consumer and the institution.

I am so dissatisfied with the customer service that I am paying off my loan and never looking back. It has taken three phone calls and my issue has yet to be resolved. I received a notice that a payment was late and was charged a late fee. When in reality I was paid up 2 months ahead. They misapplied the payments. When I asked if I would receive a letter to let me know the issue was resolved. I was told «no». Would I get a phone call I asked. Again «no» To date they still have not resolved the issue and I’ve had to make 3 more phone calls to which none have been returned. My advise to anyone considerting Credit Union One. Don’t do it. I certainly will not be returning. They could not care less about you as a customer or a member.

This credit union is run by crooks, DO NOT conduct business with them. Go right over to Our Credit Union, or Genysis –or ANYWHERE else.
I put a vehicle in storage every year, and never have a problem doing this with other banks. This bank continued to send me nasty letters every winter during storage despite me filling out their storage waiver. This year they stuck me with a bill for $ 1760 because I stored my vehicle longer than the 6 month waiver, despite it being covered by my insurance for storage. This is a sham, someone should be held accountable but I am stuck unless I file a suit against them.
Additionally, this credit union is just unorganized and very difficult to deal with relative to my other experiences with different credit unions. Do NOT use them, they do not care about you or being fair.

Avoid this bank at all costs.
I am in dispute with an account that went to collections because they would not stop automatic withdrawals when I was in dispute with another company.

worst credit union ever they charge you for everything and you can never talk to a real person and if there is a issue you have to wait a week to get a anwser becasue it has to go before a board of dorectors im closing my account and going to genneis credit union top credit union i know allot of people that use it GOOD BYE CUO LOOSERS

I don’t recommend this credit union. I keep telling myself I’m going to switch over. This time, I really am going to. Many incidences where I’ve been unhappy, from charges when I opted out of overdraft protection, to simple phone calls where you’re trapped in a web of automation and can’t talk to any human being… it’s so frustrating. Bye and good riddance, Credit Union One!

I second everything the other reviewers have written about this horrible CU. I too have been a member at other CUs and even ran a mortgage dept in one of them for years. The level of service that I came to expect was from the way I treated my members while working there and the way I was treated when banking there (employee or not). When you belong to a CU you just expect a standard of personal service that exceeds that of a bank which is why you went there to begin with, correct? I will not even begin to get into the issues at length that I have had w/​CU One in Ferndale, sufficed to say they handle ABSOLUTELY NOTHING with a shred of keeping the customer in mind. Even if you do not experience anything that requires you to speak to a manager, you will wait in line for minimum 15 min if there are more than 5 people in front of you as they are always «training» a new teller since they probably treat their employees much like their members and the turnover is insane. STAY AWAY!

Will not respond or handle efficiently with a request for a title that was paid for. Deb L. dropped the ball.
Worst CU ever!

I’ve been a member of another credit union since I was 18, but was looking for a local credit union for my fiancé and I to open a joint account. Because of my overwhelmingly positive experience with MSUFCU, I mistakenly thought that all credit unions would have a similar level of service. How wrong I was.
It has been nothing but problems ever since we opened this account. I told them at the outset that I wanted to opt out of «overdraft protection», and that any debit card transactions should be declined if the funds are not there, rather than letting it go through and charging us a fee. We try to stay on top of what’s in the account, but it’s not our main bank account, and with two people using a debit card, I just wanted to cover my bases. I’d rather have a card be declined and just pay cash or use a different card than pay a fee.
Long story (somewhat) shorter, I am in the midst of trying to resolve the fact that I’m still getting fees charged, despite having repeatedly (three times) told them I wanted to opt out.
This most recent time, I called customer service on ¹⁄₃₁ and was told that they were short staffed because of the snowstorm and someone would call me back. Fine. After waiting 3 or 4 days, I called again and was told that my request was «in the system». I called again today, TWO WEEKS after my initial call, only to speak to someone who, again, couldn’t help me. He said he would «try» to get my request answered in one business day.
I normally don’t use Unilocal for these types of rants, but this is just beyond acceptable and I would strongly advise anyone considering opening an account there to think twice about it. Despite the inconvenience (since we already ordered checks and have auto bill pays set up), I think we’ll be cutting our losses and closing this account soon.