topic Re: DCU Issues Already in Credit Cards

DCU Issues Already

joeyh2007 — Thu, 27 Dec 2012 18:05:52 GMT

I was approved for a $5,000 DCU Visa.

So now I've been trying to open the savings account required to join the CU and open the credit card. I can't believe how many times I've had to call and see if they had received my documents and they still won't open my account. They say they still need to verify my address, but it's insane because I've already submitted my driver's license, social security card, and a utility bill. They want ANOTHER utility bill which I cannot furnish since it's not my name on the apartment lease, I just sublet.

The last time I called, I was hung up on by a rude representative, so I quickly called back and demanded a manager.

So now I'm waiting for the manager of the new accounts department to call me back. This is insane as my EQ has already taken 2 hits to open this account. I really don't know if I even want this card anymore.

Re: DCU Issues Already

jsickz32 — Thu, 27 Dec 2012 18:08:54 GMT

How did you trying to join? I joined online instantly....

Re: DCU Issues Already

joeyh2007 — Thu, 27 Dec 2012 18:10:38 GMT

Well, my limit was initially $3000 so I called to ask to bump it to $5000 then I was told to join so I started the process over the phone and emailed the documentation. After that, all the problems began.

Re: DCU Issues Already

Jutz — Thu, 27 Dec 2012 18:16:34 GMT

Where are you located, out of curiosity? I'm guessing your DL doesn't match your home address?

Re: DCU Issues Already

jsickz32 — Thu, 27 Dec 2012 18:17:46 GMT

I kind of went thru the same. I was approved for 7500 but online it only showed 2000 as my cl. I called and they told me they needed income proof for the full amount. They didnt want me to fax it, they wanted me to drive to a branch(i live in MA). After i did they gave me the 7500. Pain in the ass driving there but worth it.

Re: DCU Issues Already

joeyh2007 — Thu, 27 Dec 2012 18:20:52 GMT

I'm in NYC (Brooklyn) and my license is not the right address since I moved (staying in Brooklyn) recently. They suggested W2s but I'm a freelancer so I can only provide 1099s which have my old address anyway.

Re: DCU Issues Already

09Lexie — Thu, 27 Dec 2012 18:24:58 GMT

@joeyh2007 wrote:
I was approved for a $5,000 DCU Visa.

So now I've been trying to open the savings account required to join the CU and open the credit card. I can't believe how many times I've had to call and see if they had received my documents and they still won't open my account. They say they still need to verify my address, but it's insane because I've already submitted my driver's license, social security card, and a utility bill. They want ANOTHER utility bill which I cannot furnish since it's not my name on the apartment lease, I just sublet.

The last time I called, I was hung up on by a rude representative, so I quickly called back and demanded a manager.

So now I'm waiting for the manager of the new accounts department to call me back. This is insane as my EQ has already taken 2 hits to open this account. I really don't know if I even want this card anymore.

Although I do not have the Visa card (apping for it in Feb) I can tell you that DCU is an excellent credit union. They have been my primary ' bank' for over 7 years. Regarding the address issue- verification I have noticthe since I joined they have requested multiple documents. My daughter joined a few years ago and she had the same problem -she still lived at home! So, she sent our utility bill along with a copy of her credit card statement from BofA and they were find with that seemed like they were more concerned with verifying the address. Idk if it had anything to do with my membership already being established - it doesn't seem that they are not that 'hi tech'. YMMV, but I would try sending another item ie car insurance, vehicle registration along with a note saying all other utilities are not in my name- I sublet.

Re: DCU Issues Already

Anonymous — Thu, 27 Dec 2012 18:26:18 GMT

I joined DCU instantly online. All I needed to do was scan my ID and paystub, and quickly emailed everything. ezpz japaneezy xD

Re: DCU Issues Already

webhopper — Thu, 27 Dec 2012 19:04:29 GMT

I think that address verification is needed anytime you apply for a card and your address is a new one that doesn't already show up on your report. Its a smart thing for banks to do, to make sure they aren't sending cards out to identity theives

Re: DCU Issues Already

joeyh2007 — Thu, 27 Dec 2012 19:12:50 GMT

@webhopper wrote:
I think that address verification is needed anytime you apply for a card and your address is a new one that doesn't already show up on your report. Its a smart thing for banks to do, to make sure they aren't sending cards out to identity theives

I agree, except the address I applied under was on my CR at the time of the application.

Re: DCU Issues Already

claeyssen — Thu, 27 Dec 2012 20:54:23 GMT

I joined online today and opened visa for 5k. They ask for pay stub and license, I emailed to them and they emailed me later with everything done and said I would receive welcome packet in 7-10 days

Re: DCU Issues Already

Anonymous — Thu, 27 Dec 2012 20:59:01 GMT

@claeyssen wrote:
I joined online today and opened visa for 5k. They ask for pay stub and license, I emailed to them and they emailed me later with everything done and said I would receive welcome packet in 7-10 days

Shouldn't you be happy?!?! lol

Re: DCU Issues Already

Jutz — Thu, 27 Dec 2012 21:40:05 GMT

I'm waiting to find the car I want, so I can apply for auto loan/Visa at the same time. I'm in RI, so it's basically a local bank for me. I shouldn't have any of the long distanct type problems since I can waltz into a branch.

Re: DCU Issues Already

Anonymous — Thu, 27 Dec 2012 21:43:47 GMT

@Jutz wrote:
I'm waiting to find the car I want, so I can apply for auto loan/Visa at the same time. I'm in RI, so it's basically a local bank for me. I shouldn't have any of the long distanct type problems since I can waltz into a branch.

Howdy neighbor!

I'm from Fall River, MA.

Re: DCU Issues Already

Jutz — Thu, 27 Dec 2012 21:50:04 GMT

@Anonymous wrote:
@Jutz wrote:
I'm waiting to find the car I want, so I can apply for auto loan/Visa at the same time. I'm in RI, so it's basically a local bank for me. I shouldn't have any of the long distanct type problems since I can waltz into a branch.
Howdy neighbor!

I'm from Fall River, MA.

Small world! (Also, I'm in a very small state)

Re: DCU Issues Already

claeyssen — Sun, 30 Dec 2012 15:43:20 GMT

@Anonymous wrote:
@claeyssen wrote:
I joined online today and opened visa for 5k. They ask for pay stub and license, I emailed to them and they emailed me later with everything done and said I would receive welcome packet in 7-10 days
Shouldn't you be happy?!?! lol

i am stoked i was just saying they did good by me

Re: DCU Issues Already

09Lexie — Sun, 30 Dec 2012 18:09:53 GMT

@joeyh2007 wrote:
@webhopper wrote:
I think that address verification is needed anytime you apply for a card and your address is a new one that doesn't already show up on your report. Its a smart thing for banks to do, to make sure they aren't sending cards out to identity theives
I agree, except the address I applied under was on my CR at the time of the application.

Anytime your identifying papers ie license, CR and mailing address do not match- they will request additional paperwork. When I enjoined 7 years ago, I had just sold our home- consequently my CR, license, etc had my old address. I simply sent the lease to my new residence and my membership packet was received the next week.

Re: DCU Issues Already

kimmiller112 — Tue, 05 Mar 2013 04:42:51 GMT

@09Lexie wrote:
@joeyh2007 wrote:
@webhopper wrote:
I think that address verification is needed anytime you apply for a card and your address is a new one that doesn't already show up on your report. Its a smart thing for banks to do, to make sure they aren't sending cards out to identity theives
I agree, except the address I applied under was on my CR at the time of the application.
Anytime your identifying papers ie license, CR and mailing address do not match- they will request additional paperwork. When I enjoined 7 years ago, I had just sold our home- consequently my CR, license, etc had my old address. I simply sent the lease to my new residence and my membership packet was received the next week.

But my identifying papers all matched. My CRs, my driver's license, my utility bill and my paystub all had my correct name and address on them. I also send my social securty card and the signature matched what was on my DL. They declined my membership because they were "unable to adeqpately verify the information provided" even though I gave them more than I needed to. No one there could explain to me what it was exactly that they couldn't verify.

Re: DCU Issues Already

09Lexie — Tue, 05 Mar 2013 05:19:25 GMT

@kimmiller112 wrote:
@09Lexie wrote:
@joeyh2007 wrote:
@webhopper wrote:
I think that address verification is needed anytime you apply for a card and your address is a new one that doesn't already show up on your report. Its a smart thing for banks to do, to make sure they aren't sending cards out to identity theives
I agree, except the address I applied under was on my CR at the time of the application.
Anytime your identifying papers ie license, CR and mailing address do not match- they will request additional paperwork. When I enjoined 7 years ago, I had just sold our home- consequently my CR, license, etc had my old address. I simply sent the lease to my new residence and my membership packet was received the next week.
But my identifying papers all matched. My CRs, my driver's license, my utility bill and my paystub all had my correct name and address on them. I also send my social securty card and the signature matched what was on my DL. They declined my membership because they were "unable to adeqpately verify the information provided" even though I gave them more than I needed to. No one there could explain to me what it was exactly that they couldn't verify.

I would definitely ask for a supervisor.

Re: DCU Issues Already

MountainHiker — Tue, 05 Mar 2013 06:48:37 GMT

@joeyh2007 wrote:
I was approved for a $5,000 DCU Visa.

So now I've been trying to open the savings account required to join the CU and open the credit card. I can't believe how many times I've had to call and see if they had received my documents and they still won't open my account. They say they still need to verify my address, but it's insane because I've already submitted my driver's license, social security card, and a utility bill. They want ANOTHER utility bill which I cannot furnish since it's not my name on the apartment lease, I just sublet.

The last time I called, I was hung up on by a rude representative, so I quickly called back and demanded a manager.

So now I'm waiting for the manager of the new accounts department to call me back. This is insane as my EQ has already taken 2 hits to open this account. I really don't know if I even want this card anymore.

I don't mean to be a wet blanket but your experience with DCU is not one of a kind. I joined them a few months back and after being approved membership and a $3K limit credit card, I started to notice problems with their customer service.I truly wanted this card but I couldn't escape the feeling that the customer service was less than par for credit unions, and even less than many of the banks I have come across. Something made me feel uncomfortable and I decided to cancel the membership and card. They gave me the feeling that my business didn't matter much.They saw me as just a number.Other forum members have had better experiences with DCU.Just thought I'd share my experience and hope it helps.