Looking for a CU Need suggestions

[bobbay]

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@Anonymous wrote:

I read your thread and cannot believe they said your one of those MYFICO people and will be approve your loan after it was aproved.

I opened an account at DCU March 31st applied for a loan and was denied, was looking for a preapproval so I could find the truck we needed.  

I did buy a truck, was financed thru wells fargo dealer services at 8.99%.  Yesterday I recevied a message new members looking for a second chance auto loan(refiance)

should apply.  I did apply and within an hour was approved at 3.99%, a little disappointing my score was 688, DH was 636, of course they ran loan on his lower score, but today to my surprise, received this message....Reduce you loan interest rate up to 1.50% with our payment reward program, every 3 months i will get a reduction of 1/4% up to 1.50% max.

So I was pretty pleased at this program, my rate will go down to 2.49% in a 1 1/2 yrs, as long as accounts are in good standing and payments are all on time.

Hope this helps with your decision,  Give them a call...  Best of Luck

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I did call and speak with them today.  I was not crazy about how their LOC works, basically a CC as alt funding source.

[Anonymous]

Are they monitoring these forums or something?? How do that know that you are member of this community?? Frankly I'm amazed at their response.

[Anonymous]

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@Anonymous wrote:

Are they monitoring these forums or something?? How do that know that you are member of this community?? Frankly I'm amazed at their response.

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If I were to guess, it's probably not from monitoring the forums but a couple people told them about the posts here in response to 'what brought you to our CU?'

[stagefoursurvivor]

Just my personal experience the past 3 months, PenFed is the model for customer service for all financial institutions. They're also quite generous with SLs. Although mine were relatively low compared to what many others have received, I'm grateful for the opportunity. PLUS, an honest recon got Promise & PLOC denials overturned.

Langley? Completely incompetent

[Chilli]

I'M NOT SAYING NUT'EN YET!  

The room is still spinning over here.  

[Chilli]

YES, THEY TOLD ME THE SAME THING AND THEY ARE WATCHING OUR POSTS AS I WAS ON THE PHONE WITH THEM. THEY WERE WATCHING OUR POSTS AND TRYING TO MATCH WITH UP WITH OUR APPLICATIONS AS THEY CAME IN. SMDH. 

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@Anonymous wrote:

Are they monitoring these forums or something?? How do that know that you are member of this community?? Frankly I'm amazed at their response.

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[Chilli]

YES, and they told me they were reading them...and when they were telling me the lady sounded real stressed out. I want to add they told me to let the member know to tell them they are from the forum so they would make sure they get their apps through faster and their loans taken care of. they had me believe they are happy for our membership. that's why I had felt it was my fault because I had felt for them...badly. but its all good because I've learned a valuable lesson.

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@Anonymous wrote:

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@Anonymous wrote:

Are they monitoring these forums or something?? How do that know that you are member of this community?? Frankly I'm amazed at their response.

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If I were to guess, it's probably not from monitoring the forums but a couple people told them about the posts here in response to 'what brought you to our CU?'

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[Chilli]

well, i did say something...oh well. I need therapy because i can't stop posting on myfico. I'm an addict too. 

I need to get over this trama. 

[Anonymous]

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@Chilli wrote:

YES, and they told me they were reading them...and when they were telling me the lady sounded real stressed out. I want to add they told me to let the member know to tell them they are from the forum so they would make sure they get their apps through faster and their loans taken care of. they had me believe they are happy for our membership. that's why I had felt it was my fault because I had felt for them...badly. but its all good because I've learned a valuable lesson.

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@Anonymous wrote:

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@Anonymous wrote:

Are they monitoring these forums or something?? How do that know that you are member of this community?? Frankly I'm amazed at their response.

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If I were to guess, it's probably not from monitoring the forums but a couple people told them about the posts here in response to 'what brought you to our CU?'

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Very interesting.  Maybe if they spent more time dealing with customer service and less time reading forums then maybe they wouldn't get so many complaints about them here.

[bobbay]

Thanks all.  I'm a Penfed member now!

Lets hope the whole Langley thing can get expunged HP's and all.