@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
You’re being ridiculous really. Credit apps are ALL conditional. Not a single one is ever guaranteed. I don’t find it even remotely unreasonable for a CU to offer you a $20K credit card in exchange for your taxes and obviously your $5K offer would have been contingent on POI as well.
Also you might want to edit out the application number in your image.
you would not be the first person to say I am ridiculous so I am down with that ha-ha. slider said it best, Mav, you must have soloed under a lucky star. I did the edit but why did I do it, what good does an app do anyone? ridiculous lol
EDIT, the thing that actually irks me is they dont respond to anything. one upload and 2 emails - nothing. they are the ONLY lender that I have gotten zero back from. I will stick to my winging comment
You never want to put personally identifiable information on a forum, you never know who is reading and what they're capable of.
As for DCU, my opinion of them is about in the middle right now. I had to go through POI verification with them too but they did it all over the phone with me. They seem to really be a lot more responsive with phone calls. When their bill pay was refusing to recognize that I was registered and I got forced to email, it literally took days for them to get back to me and the vendor actually had fixed the problem two days before they sent me the last email to make sure it was fixed.
I wouldn't personally waste my time trying to fight for an HP back but that's up to you.
honestly after all the motorcycle, karting and car wrecks I have had I dont think a loan # is going to be my undoing lol. how do you do poi over the phone? a doc that I can write in 10 min is not a waste of my time. its like road rash on a wheel or a fender bender, I like to get whatever I can whole as fast as I can. its one of the great things that money and sometime time can do. yeah, they do like to talk. prob is I like it all in writing so there is that. from my experience with pnc i literally changed banks this week, kind of hard to believe. I am a sucker for excellent customer service.
Well I submitted my SSDI award letter for 2019 when I did my initial application, we just went over it over the phone. I don't remember exactly how everything went because I talked to like four people (yeah I had struggles getting started with them too) but in the end I got a checking account, savings, and $1K credit card.
I will probably close my DCU accounts next year though. I'm going to stick with my bank. I am a sucker for excellent customer service myself and while 1stBank doesn't have credit products that are very appealing, they do have 24/7/365 customer service with no need to deal with an automated system and they're all located here in Colorado. So I'll just keep a bank that I don't have any credit products with which actually isn't a bad idea anyway.
I think in general that CUs are just more of a hassle than banks. NFCU was astonishingly easy, not even requiring me to send any proof of ID much less POI, but SSFCU put me through the wringer before ultimately approving me, BECU put me through the wringer until I broke and rescinded my membership app, and DCU took speaking to to multiple people to get everything finalized. I'm taking a break from CU apps for awhile.
