About - California Coast Credit Union Scripps Ranch Branch

Overall Feedback:

Malik, who was my representative, was very polite, but misinformed. I went into the branch to setup an automatic payment for a personal loan I took out in order to avoid a teller transaction fee from my main bank. Malik failed to inform me that when he added my routing and account numbers that it would automatically charge me for the monthly payment that was due at the time. Since I wasn't informed about this, I also made a payment with my main bank's debit card, which, in return, wound up turning into a second charge (one from my routing and one from my debit). Due to this bad experience, I went to the Poway Cal Coast as that was the branch I took out the loan with and, therefore, I had a better rapport with. A representative named Stefania told me that they recognized the double charge and that it was going to be refunded to my debit card (to where I can call my main bank to pardon the transaction fee). I waited 5 days and didn't see the refund on my account. I visited the Poway branch again on 2/1 to discuss this and Stefania told me that it got refunded on 1/27. I told them it wasn't showing on my main bank's mobile app. What Stefania failed to mention is that it was refunded to my recently opened Cal Coast checking account and that they couldn't refund it to my debit card, albeit they told me it would. I asked them what could be done to resolve this as now I can't drop the transaction fee from my main bank that was charged to me for their screw up, and they pretty much told me, "sorry, nothing can be done." I'm very disappointed with California Coast as I was referred by an associate only to have a HORRIBLE experience and dealt with misinformed employees that don't even know their own policies. It's very unfortunate because the only reason I opened a checking account was in hopes of transitioning to them as my primary bank. I will be closing the checking account due to this poor experience. It's one thing if it was a single mistake, but being misinformed several times has left a bad taste towards this credit union.