Point Loma Credit Union

Customer service is much better than before, and a new atm has finally been put in place here! Really great machine! Still waiting on a website update as login is always difficult and the site is not user friendly nor up to 2016 standards.

I don’t know why everyone rates this place so low! I’m a member of Patelco which I guess only exists in Northern California but PLCU functions as a partner with which I can make transactions. I’ve had delightful exchanges with the tellers. One wished me a happy birthday after looking at my ID. She then continued a light hearted conversation with me till my business was completed. There is another teller named Andrew who also carried a casual conversation with me – yeah, I may or may not have a fatty crush on the guy but I am unbiased in this statement! I enjoy PLCU. I don’t know why everyone else is trippin.

Wow, here we go again??? Still need improvement, hard to do business with. You win you’ve lost my business, the only thing you have to offer is your service, and in that department you all suck…
DONE!

Set up an account, didn’t use it for a while but decided to make it the account for my new business. I directed a client to put their direct deposit into the account. Called to see how to get set up for online access (the website really sucks, very unsophisticated) and see if my money had arrived. I was told by the call center they CLOSED my account due to inactivity!!! I was never notified of this decision! Really?
Oh well, I guess they missed their chance to leverage the use of my millions. Bad business.

I’ve been a member at PLCU since I had my first job in high school over 25 years ago. This is a great community credit union with helpful staff. My questions are always answered in a professional manner and I always feel taken care of by their helpful staff. They have competitive rates and are eager to earn your business.

I don’t have an account with Point Loma but I use them when depositing and withdrawing from a partner credit union. I have never had a problem with the level of service here-​they have actually been very nice and pleasant and I’m not even their customer!

I have been banking here for nearly 20 years, and the service hasn’t been as bad as everyone else indicates… Until today (Aug 26)! I had the displeasure of being helped by Sara while she was training a nice gentleman. He was great, but she made me want to close my accounts and go somewhere else.
I also dislike that this bank never handles new coins or bills from the mint; another reason that I may move my banking.

Five Stars to all who shared their experiences with PLCU, not the CU
itself.
I was planning to open an account here after Cal Coast started putting a 5 day hold on my paychecks. They also charged me a $ 27 overdraft fee when a $ 250 check I wrote cleared on the same day the 5 day hold was to expire (7÷13÷11). My checking account balance was $ 1,438!
On my online statement, the note next to my deposit 5 days earlier read: «On hold until 7÷13÷11».
To me, this means 12:01 AM on ⁷⁄₁₃. The Cal Coast Mgr said it means until THE END of ⁷⁄₁₃ — as in 12:01 7÷14÷11 … WTH?
I’ll just have to keep looking for that elusive, customer-​friendly credit union that so far, only exists in my mind!

RUN away, don’t walk. This place is a nightmare of bad customer service, poor training, & an attitude of «we’ve got your money now, we don’t care anymore.» It looks good to get you in the door, but once you commit, don’t expect to get much service… or be treated with respect… or get anything but insulted and given a run-​around when you have a problem.
I got my car loan here, they were pretty helpful through THAT whole process (like I said, they’ll try hard when they’re trying to suck you in)…although even in the beginning there seemed to be some confusion about my interest rate… I used their car buying service, which made the pre-​purchase process very easy, but apparently included NO follow-​up whatsoever. When I had a problem with the paperwork, I had to call repeatedly until I caught the rep in the office — he never returned my several messages, & in the end all he did was give me the dealer’s number so I could call them myself. And although the car was sold to me as a certified used car with a warranty, I never got any warranty paperwork as I was promised. It would have been slower to search myself, but much better in the end if I had!
The real problems come with any unusual transaction. Want to deposit a larger-​than-​usual check or one from a source they don’t see all the time? Be prepared to wait an unusually long time while they hold your money for «processing» until you can access it. They refused to deposit a check made out to both me & my husband for me because we don’t have a joint account (although they let HIM deposit another one without so much as my signature). I asked why & got the manager’s bad attitude, eye-​rolling & refusal to give any real explanation… all he would say is that it was «banking regulations.» No one can explain why husband wasn’t given any trouble with a joint check & I get nothing but…
Go to another bank, save yourself the headaches & insults of this one.

I’m really surprised this place didn’t collapse during the banking meltdown. This is not to say that they are unstable. In fact, this is probably a very solid institution. What I mean to say is that with such shitty customer service and high checking fees, why would anyone choose to stay with this clusterfuck of a credit union? The customer service in the 4S Ranch branch is the worst, followed closely by the horrendous customer service in the call center. I give one star to the Midway branch because they suck the least – from my experience. And please, will you update your janky website? It looks and behaves like it was designed in 1995. And what’s up with all those phishing alerts? Banks and credit unions should be lining up at your door, begging you for money, waiving fees, and kissing your ass. If this were a restaurant instead of a credit union, these people would jerk-​off in your clam chowder and charge you for a glass of tap water.

This place sucks! They will hold your money If you make a deposit through the ATM for an automatic 5 business days! WTF? I used to work at a bank & I have never seen this. I understand if you deposit a large amount but $ 100? Come on. I had to call the bank every time I made a deposit through the ATM so they could clear it sooner.
They place has also screwed me over on transferring money from my checking account to pay my loan. They could never seem to get this ACH withdrawl thing down.
I cancelled my account with these guys and have never had a problem with these kinds of ridiculous

I am a senior on Social Security disability.
I opened an ETA «checking» account (no checks) at Point Loma Credit Union on 11÷05÷09. The woman who opened the account (Mimi) did not know how to open an ETA account, had never opened one before, and made me wait for almost an hour while she called other banks to get the correct «code». I was not given any account information, written materials, etc. I was only given a receipt and a piece of paper with my account number written on it.
Before I opened the account I spoke to the manager, Debbie Clow and she assured me that I could get a debit card. I specified that I needed a debit card (NOT an ATM card). I received a debit card, but never got any printed material regarding the account (fees, ATM locations, disclosures, etc.). I had to call the customer service number and request information (which was never sent to me). I also called and spoke to Mimi (she sent me a booklet entitled «Membership Agreement and All-​In-​One Disclosure).
All was well (or so I thought…) until 01÷16÷09, when I received a call from Mimi. She rudely informed me that an «audit» had been done on my account and that I was never supposed to have been issued a debit card. The debit card was to be cancelled at the end of the month, and I was to be sent an ATM card. Furthermore, I was informed that I was not allowed to cash any checks, not allowed to deposit money into the «checking» account, not allowed to deposit money into the savings account, and not able to open an additional checking or savings account because I am listed on Chexsystems! I told her that the PLCU fee schedule which came with my statement lists «Check cashing if non-​member $ 5 each», and I asked if someone can walk in off the street and cash a check for $ 5, why are you telling me, an account holder, that I cannot cash checks there? She said they do not cash checks for non-​account holders.
As if all THAT weren’t enough, today I checked my account online and saw that I am overdrawn $ 21.23! There was no explanation. I called customer service, talked to Abel, and was immediately transferred to Debbie Clow. She said I was charged an overdraft fee because a PayPal payment came in for $ 9.69 and there was only $ 4.77 in my account. I asked why it was not declined and why I was being charged. She said it was a «processing fee» and refused to correct or waive it because it was not a credit union error.
The ETA Website states the following:
What happens if I overdraw my ETA?
It’s very difficult to over draw an ETA. If you do, there is a maximum charge of $ 10 for overdrafts that have occurred during a 24-​hour period.
What do I do now besides sue Point Loma Credit Union in small claims court? Have they broken any federal laws by their treatment of me, their lies, and by overcharging me?