Patelco Credit Union
Reviews and Complaints

I am not liable for this debt with PATELCO CREDIT UNION they did not provide me with the original application like I asked.Account No:072

Patelco credit union fraudulent charge $5000 mortgagee placed home owners insurance Multiple attempts to resolve/ Dispute since 5 Last attempt 9/7 spoke with Director *** whom has refused to retrieve/request explanation of benefits from my personal home owners policy.

I was merely asking questions about the rates on my money market account, and Patelco closed it without notice.Seriously? You go behind a client's back (Who has given you years of business) and close their account JUST BECAUSE I was asking what my savings rate was?Extremely unprofessional, distasteful, and shows that you cannot be trusted.

I have a cashiers check from Patelco bank on my name. Patelco credit union, especially brand in ***, refuse to honor me the money, saying the check is expired and nothing they can do. Manager at Patelco branch in *** was extremely rude, said I will never get the money from official Patelco bank issued cashier check on my name. Its $10,000.00. Patelco is holding the money and is not willing to give me my money. What do I do?

I reached out on 2/3/2022 and disputed a charge , the next day I reached out again and explained it was an error from the vendor, not fraud. No one at that organization tells me they cannot resume my card, that instead I need to wait for a replacement. Mind you the time before I lost my card and found it, they resumed it. They call me to tell me they dont know why this was not explained. Fast forward to 2/23/2022 and several messages, still no replacement card. I want the card replaced ASAP. They keep closing branches and the contact center is horrible. They should credit NSF fees as well for all the wasted time. I can NOT wait to move these accounts to another credit union.

I opened the regular saving account In Patelco credit uinion years ago. Since I didn't need the account anymore, I called their toll-free number and requested the account closure. However, Patelco keeps remaining the account active opened and mail me the account statement in regular basis. Worse, I have noticed them my new address. Patelco keeps mailing said statement to my previous address of ***, *** which is now my rental property revealing my personal and account info to my tenants. The last 12+ months I have made several attempts calling them. Every time I called, their representative said we would go ahead and close it right away which they have never done.

On September 11, I contacted Patelco Bank to inquire about their check cashing policies. During the call, I conversed with a teller, whose ID is 167, regarding the possibility for a non-member to cash a check. I requested to speak with her supervisor Keishu, who declined to provide her ID without legal cause. My subsequent request to speak with Keishu's superior was also denied. Keishu did not explain her refusal to disclose her ID and abruptly ended the call. This call was prompted by an incident where my wife, a non-member, was compelled to open an account to cash a check from a Patelco member. Later, a Patelco representative confirmed via phone that my complaint had been emailed to the concerned department. I am awaiting a follow-up call to address this matter.

I transferred money from an external bank account to my Patelco credit union account. I noticed Patelco completed the transfer however my funds were unavailable to me. I called in on 03/02/2022 to find out why I only had access to $300 instead of my full transfer I was told my funds would be available for me to access them on 03/04/2022. At 3:43pm on 03/02/2022 I received an email from Patelco which was not very informative and poorly explained requesting I provide proof of ownership. The bank disabled my account without notifying me (even after calling in earlier that day.) All of my money was inside of my bank account. I have no access to my money. The banks email stated I had several ACH deposits which was not true. I only had one. I requested the bank provide proof of several ACH deposits and they denied my request for such proof. If my account was disable for such a reason the bank should provide proof of such. Next the credit union requested I provide a bank statement but didnt specify what bank statement, the credit union or my transferring bank. When I called in and asked for the steps to go forward the credit union failed to provide the steps it would have to take to have access to my money. Instead of the bank refusing the transaction because they were suspicious or would need more information, they instead took my money and now denying me access to it.

Sometime on 11/18, an unknown person committing fraud transferred $4,850.00 from my Patelco Money Market Account to an external account in his/her possession.The fraudulent external account was created as one of my accounts. When this fraudulent account was created, Patelco did not notify me by email or phone. When the funds were illegally transferred out, Patelco did not notify me by email or phone. In short, their software was not robust enough to stop any phase of this theft.I discovered all this in the late hours of 11/19, a Friday. Just after Midnight on 11/20, I sent an email to Patelco apprising them of this (I've still gotten no answer to that email). Later on 11/20, a Saturday, I called Patelco and reported the theft and was told a Supervisor would call me back shortly. No one called back that day. On Monday, 11/22, I called Patelco again and spoke to Supervisor, ***, ext *** She told me that I needed to file a police report and then go to my local Patelco branch and fill out a notarized affidavit. Both of which I did that day.I was told by the local banker that I should have the funds credited back to my account the next day.Needless to say, that didn't happen.I am writing this near Noon on 12/3. *** will not answer her phone and no one else will tell me when the funds will be credited back to my account. That's 15 days since the theft and this is the 8th business day since the theft.I want my money back and I want to be given a date-specific when that will happen.*** St.

On December 23 I received a text message from Patelco Credit Union if I attempt $142.50 at Target, I pressed NO. Then I got another text Free MSG: From Patelco Credit Union. Compromise username and password, cancel. I was able to open my account when the scammer called me he said that I cannot see anything yet because it was pending in the system, then the call got disconnected. I told the scammer that I had called the bank and the answering machine replied that it was closed for the holidays, and he answered that he was calling from the fraud bureau and that they were elsewhere, and the number that he was calling for it was the same number that Patelco has on the website.He said they detected that somebody was transferring money from my account. When he accessed my account, he took out $8,000 from my Money Market account. The *** sent me emails with the word refund, but I could not access my account, He said I will receive an email with the instructions. I called the bank on Monday, and they said they'd had a lot of calls with the same problem. I filed a police report, I went to the bank in ***, I filled out every piece of paper they asked me to. Also, I did all of these on December 28. I was told by the bank staff that I would likely get my money back in 30 days. I am still waiting. Not only that, but I sent a message to her, no response. Furthermore, I email the bank, and they replied that my case is still under investigation. I want my money to be reimbursed. This would have been avoided if the bank had left a helpline open, especially when holidays are when scammers are most active and customers are easy prey for them. I'm looking forward to moving my money to a different bank.

I own a Maserati I financed with Patelco over a year ago and I have had a terrible customer experience with the above employee this evening.A few days ago Patelco was ready to have me sign addendum paperwork to lower my rate when *** abruptly came back and let me know my credit score had drastically dropped in just one week. I have currently $100,000 liquid in cash as well as $240,000.09 in a 401K. I have never missed or been late on any of my auto loan payments. I am only requesting to lower the rate no change to the term or the amount therefore there is no new or additional risk to this loan. In addition again I have never missed a rent payment or credit card payment or loan payment. I called in tonight and *** was incredibly rude stating I am sorry you feel that way and further rupturing the long standing relationship I have formed with Patelco that spans over 24 years starting with my 1st car as shown with the following. The service I have had to endure is excruciating and tonights customer experience is horrid with ***. My application was stated as unemployed when I emphasized that I am currently employed on Disability. Please note I am still employed This was Patelcos error. I am unsure am I refinancing or streamline and is a credit check required. The errors are important to note and *** is heinous. She wanted to forward my formal complaint to a general inbox. She made me feel worthless as a customer. I asked for an email and she refused to provide her Managers email only saying she can provide her email. Please pull the call she also intentionally hung up on me. Please note I have copied the complaintsboard.com as *** refused to provide any information to my request for the Patelco headquarters and executive office and upper management to file my formal complaint. I look forward to receiving an apology, escalating my complaint to the highest department as well as having this abusive experience rectified.

The following issue follows another issue I had over six months ago that still upsets me very much which included my personal information being sent to the wrong address In which was escalated to Ms. voice of members in which, she was rude & not understanding. Patelco & I have been on thin ice for a few years because they keep messing up in unprofessional ways. This lastest issue involves Money being taken out of my checking account amounting to almost $1,500 over 4 months. Usually I'm on top of all my financial responsibilities etc. but when I caught it I was told that THERE WAS A MISTAKE WITH A FELLOW PATELCO MEMBER'S ACCOUNT NUMBER SO THERE WAS NO FRAUD OR ANYTHING TO WORRY ABOUT. They gave me the two most recent months monies & said no guarantees on the other two months, bit they would work on it. I gave it a few weeks & the notes that follow is what happened. 4/3 at 11. Rep. Sabrina, put me on hold, couldn't get a Dept that should have helped & then put me on hold to check with her (payment operations Dept) specialist team. Spoke with payment specialist Mia, won't refund money directing me contact discover to dispute. When I mentioned the Complaintsboard.com she said she could get me a sup. In the lead Dept. To see it I could get assistance. Her sup *** will call me back in 15 min. 1 hr 8 min call. *** called back said she will call discover & try to make it right. 4/16 at 12:15 rep. *** escalated issue of Ms. not bring available 25 min call. Patelco 3/17 @ 09:16 rep. Elva, Found a $615 charge on Dec 23. Helped me sign the 3rd ACH sent to me which was a permanent stop & said the last lady sent me the wrong form for the $333.14 charge. Now is going to help me with the other two $333 & $614. After putting me on hold the number hung up on me at 42 min. Then said there was no mistake. Call lasted 1 hour & the two other ones have been sent up to management for a decision because they are passed 60 days by law & she wasn't able to really elaborate on how all this happened except for it was just one number off from another member. 4/17 *** with Patelco in Campbell reginal team lead working with *** who I talked to yesterday. She on two 15 min. calls was able to get me my refund, but asked me who I spoke with before, because I keep almost impeccable notes I was able to give her all the details of previous calls/emails just to find out she didn't need that info at all & instead needed paperwork signed in which I would need to go to a local branch or wait & do it by mail. On 4/23 I went into the Almaden branch to sign the AHS forms. This was 10 min to & from my stay in place location plus gas & time. Hopefully this stressful headache inducing issue is over. This is pretty uncool to put someone through when you know where the money should have come from & how it wasn't a scam from Nigeria. I don't understand how hard it would be to get the reimbursement from who ever had that discover card. I trusted Patelco & don't know how my account could be compromised from a number mixup. Patelco is much smaller than other financial institutions.