@DeeBee78 wrote:
@Anonymous wrote:Is this a local CU?
Considering my first experience with a CU, it is actually a miracle that I love CUs so much. I joined Gates Community Credit Union in 1998 for the sole purpose of being able to buy my first car. I had always heard that CUs were great for car loans. Applied for the loan, declined. A few months later, applied at the dealership, declined. Bank One picked up the loan. My sister had a similar experience with them; declined a car loan and a Visa card-she closed her accounts with them. I ended up staying with the CU because my bank at the time wanted to charge me $7 a month for a checking account. I had just bought a new car, had a balance for my dog's surgery and was paying school tuition so I went with the CUs free checking.
Over the years they became intolerable. First, like so many smaller CUs they changed the name to a stupid credit union-ie name: New Horizons CCU...it sounded like a retirement community in Florida. Their systems were constantly down-especially when I tried to withdraw cash at an ATM; they started lowering the savings account APRs etc. I just grew tired of them overall. I decided in 2006 to go back to my first bank as they no longer charged monthly checking fees. I had every intent to close the Gates/New Horizons CU account but never got around to it. A year later I found out that the credit union was taken over by the NCUA and State of Colorado as they were apparently providing loans on condos in Florida that went bust. And the only reason I found out was because one of the suitors for the CUs assets lost a laptop containing identifying info from members of the failed CU. I enjoyed the fact that a local credit union that denied me a car loan failed because of their risky out-of-state mortgages. Later in 2007 Security Service FCU purchased the assets to my ghetto credit union and I couldn't have been happier.
So what does this have to do with your question? Very little now that I think about it LOL. I guess my point is that if they are causing you this much trouble, it may be best to look around at another CU. I was very happy when I switched back to the bank way back when. I am just hoping you are not talking about NFCU as that is the only CU in your signature.....
Completely off-topic, but you're bringing back my Colorado memories with Bank One (dead, bought by Chase), and 1st Bank (still alive and kicking, I see!). I'm headed to Denver later this week for some vacation time and to catch up with old friends
No more off topic than my posting LOL. Have a good time; its a little warm this week but nothing too terrible. Our leaves are already changing due to the mild summer we had 
To keep this on topic LOL I was also surprised that Bella was talking about Golden 1. I have been drooling over their credit card. Hopefully the PIN issue can be resolved.
@Anonymous wrote:
@DeeBee78 wrote:
@Anonymous wrote:Is this a local CU?
Considering my first experience with a CU, it is actually a miracle that I love CUs so much. I joined Gates Community Credit Union in 1998 for the sole purpose of being able to buy my first car. I had always heard that CUs were great for car loans. Applied for the loan, declined. A few months later, applied at the dealership, declined. Bank One picked up the loan. My sister had a similar experience with them; declined a car loan and a Visa card-she closed her accounts with them. I ended up staying with the CU because my bank at the time wanted to charge me $7 a month for a checking account. I had just bought a new car, had a balance for my dog's surgery and was paying school tuition so I went with the CUs free checking.
Over the years they became intolerable. First, like so many smaller CUs they changed the name to a stupid credit union-ie name: New Horizons CCU...it sounded like a retirement community in Florida. Their systems were constantly down-especially when I tried to withdraw cash at an ATM; they started lowering the savings account APRs etc. I just grew tired of them overall. I decided in 2006 to go back to my first bank as they no longer charged monthly checking fees. I had every intent to close the Gates/New Horizons CU account but never got around to it. A year later I found out that the credit union was taken over by the NCUA and State of Colorado as they were apparently providing loans on condos in Florida that went bust. And the only reason I found out was because one of the suitors for the CUs assets lost a laptop containing identifying info from members of the failed CU. I enjoyed the fact that a local credit union that denied me a car loan failed because of their risky out-of-state mortgages. Later in 2007 Security Service FCU purchased the assets to my ghetto credit union and I couldn't have been happier.
So what does this have to do with your question? Very little now that I think about it LOL. I guess my point is that if they are causing you this much trouble, it may be best to look around at another CU. I was very happy when I switched back to the bank way back when. I am just hoping you are not talking about NFCU as that is the only CU in your signature.....
Completely off-topic, but you're bringing back my Colorado memories with Bank One (dead, bought by Chase), and 1st Bank (still alive and kicking, I see!). I'm headed to Denver later this week for some vacation time and to catch up with old friends
No more off topic than my posting LOL. Have a good time; its a little warm this week but nothing too terrible. Our leaves are already changing due to the mild summer we had
To keep this on topic LOL I was also surprised that Bella was talking about Golden 1. I have been drooling over their credit card. Hopefully the PIN issue can be resolved.
Hey CO_NATIVE, I definitely would love to end up with their Visa card! I actually apped when I went on a little mini-spree after getting my NFCU auto loan. They denied me, as did everyone else. I think I waited too long after the loan, and it freaked everybody out, along with my Venture approval which was right after the loan.
I am going to go in and get the PIN reset and see what happens. Like I said I am otherwise happy. I've read horror stories about a branch in the SF Bay Area, but the people at my branch have been awesome so far!