topic Re: PSECU - Membership cancelled :( in Credit Cards

PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 15:01:53 GMT

They cancelled my membership application on the 5th day. Just talked with CSR and they said you must be an in-state resident. (Which is something that is not said in one spot on their website with exception to parks and recreation.) I'm waiting for a manager to call me back so I can plead my case.

However, it looks like PSECU loopholes are all closed :(

Re: PSECU - Membership cancelled :(

jd5189 — Tue, 02 Oct 2012 15:05:49 GMT

NOOOOOOOOOOOOOOOOOOOOOOOOOOO!!!!!!!!!!!!!!!!!!!!

I was gunning for you Duncanrr!!!!!!!!!!

Re: PSECU - Membership cancelled :(

CS800 — Tue, 02 Oct 2012 15:06:49 GMT

Sorry to hear :(

Let us know what the manager says

Re: PSECU - Membership cancelled :(

roxy382 — Tue, 02 Oct 2012 15:07:13 GMT

Thanks for the update! That really sucks. I may have to move to PA temporarily. Maybe find a roommate with military affiliation so I can knock out all the big ones I currently can't access. :(

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 15:11:34 GMT

Will do. Ive laid foundation with CSR for my argument and will solidify it when I speak with manager. I may be able to get a membership, highly unlikely, it will be difficult and I dont expect them to be opening any flood gates. On positive news, NFCU membership will be coming soon. Roommate has begun moving in and I'll probably wait till November to join (once my paid down balances start to report.)

Re: PSECU - Membership cancelled :(

LS2982 — Tue, 02 Oct 2012 16:09:14 GMT

Sorry to hear :(

Re: PSECU - Membership cancelled :(

shakalaka — Tue, 02 Oct 2012 16:20:20 GMT

Sorry to hear that :smileysad: guess no more loopholes

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 16:29:43 GMT

I asked her if they don't allow out of state people why don't they simply say that on website. She didn't gave an answer for that nor did she have an answer for why the previous account specialist said in-state residence wasn't a requirement.

Re: PSECU - Membership cancelled :(

jd5189 — Tue, 02 Oct 2012 16:38:16 GMT

Your points are very valid and I am interested in hearing what they have to say. The only "visible" permanent residency restriction during the app is under PRPS. PASEO just is labled as you need to be an association member.

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 16:44:25 GMT

My guess is it maybe illegal. I'm not sure if PSECU receives any state funding, but if they do it may be a commerce clause issue (state actions are not typically allowed to favor in-state over out-of-.state residents.

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 18:03:39 GMT

Manager called and said no way. She claimed that their agreement with PASEO requires state residency and that I work for municipality. I asked for copy of the document they based this off and she refused to supply this to me.

Re: PSECU - Membership cancelled :(

Tommy5746 — Tue, 02 Oct 2012 18:08:20 GMT

Booooo!

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 18:13:25 GMT

I'm not sure how much I'll do with this. I have some avenues to see if I can get reconsideration but even if I get in I can see them putting flag on account to never approve me for anything ;)

Re: PSECU - Membership cancelled :(

jd5189 — Tue, 02 Oct 2012 18:17:01 GMT

It would be interesting to see if you could get this "agreement" from PASEO... have you called and asked PASEO for the agreement or to see if they can find the residency requirement in the agreement?

Re: PSECU - Membership cancelled :(

gettnthere — Tue, 02 Oct 2012 18:18:27 GMT

Same boat here. App canceled and csr and manager said no way in hell. They claimed they just updated their contract and it no longer allows out of state members to gain an account. Really sucks but oh well. $75 bucks down the drain. But no wasted HP at least.

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 18:24:49 GMT

I'm going to contact PASEO when I can and see if I can get copy of agreement. I'm not familiar with banking law but it strikes me as illegal to base membership decisions on a document that isn't available to the public.

Re: PSECU - Membership cancelled :(

jd5189 — Tue, 02 Oct 2012 18:28:05 GMT

I think they just realized another loopwhole was exposed and they are trying to seal it before they get a flood like they had with PRPS a couple years ago.

Had the residency requirement truly been an actual issue - the application should have denied right away. At least that is how I am seeing this go down...

Re: PSECU - Membership cancelled :(

gettnthere — Tue, 02 Oct 2012 18:34:03 GMT

I agree, called 3 times with 3 separate reps that all said out of state resident would not be rejected due to just that fact.

Re: PSECU - Membership cancelled :(

Duncanrr — Tue, 02 Oct 2012 18:44:46 GMT

jd5189 wrote:
I think they just realized another loopwhole was exposed and they are trying to seal it before they get a flood like they had with PRPS a couple years ago.

Had the residency requirement truly been an actual issue - the application should have denied right away. At least that is how I am seeing this go down...

Agree. And thats the part that makes me want to fight. I could make a legal mess out of this whole thing if I wanted to. But if I win, I have a relationship with an outstate credit union who will not really want me there. I may just focus on NFCU and say be damned with PSECU. (I was always that kid that if you said you couldnt do it then I wanted to do it more than ever....I'll have to make up my mind what I'll do.)

Re: PSECU - Membership cancelled :(

jd5189 — Tue, 02 Oct 2012 18:48:51 GMT

The whole "just updated their contract" stands out as well... As a member (which makes me a part-owner... right? lol) this whole situation sits funny with with me... something is not adding up.

On the app, the only resident required organization they explicably note is PRPS - the old loop hole. All other organizations are shown as PSECU membership is a benefit of the organization. Had residency truely been a contingent requirement, the app should have been immediately denied by the system with the denial being address is out of state. It should have never went "pending". My thought was the idea of it going "pending" was that they could verify your membership to your organization/association.

I smell fish!!!!!