I have to vent and sahre my experience with the said CU. I applied for membership because I have heard so many good things about it from here. I was approved and I initially made a deposit to the checking.
Next day, I was checking if my deposit has cleared and I couldn't access my account. I was then told that my account has been restricted , I needed to submit 2 forms of ID to verify address, e.g. mortage insurance or uitlity bills. I told the lady that I dont have a mortgage and our utility bills are all under my husband's name. The only thing I have will be my bank and credit card statements. She said that will NOT work. Anyhow .....
I got home from work at 5:15PM EST and sent in My Driver's license and social security card,, I submitted a bank statement to Penfed NOTARIZED so I included it as well, I also included my U.S. Passport. Few minutes after I submitted I received another email indicating, they wont take my bank statement doesnt matter even if it's notarized, she wants me to send a mortgage insurance, lease agreement or vehicle insurance and indicated that EVERYONE should have Mortage or Lease agreement to verify their address....... At this time, I was really starting to get upset, I told her that I do not have a mortgage... first of all I know that in this country I doubt if majority of the people has mortgage under their names or lease agreement.? How would they determine this for people that paid off their house? or like me I had such a horrible credit to start that I couldn't get my name on the deed or we would never been approved for the house. As for the car, there's notihng on Car insurance that will show my address??? and what if I don't have a car? How can 3 government IDs not suffice their request?
Long story short, she said since I cant provide my address she will close my account. .....
WoW, anyway so disappointed, I sent an email to their executive offices.
Sorry for the Rant!
