Member One Federal Credit Union
Client Reviews on Member One Federal Credit Union
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DO NOT USE!!!! Treated horribly... NO COMMUNICATION.... Go Elsewhere Their Appraiser Mrs. Moon is incompetent
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crappy attitude - no shared branch banking (the whole purpose of being a credit union is the idea of shared branch banking) - should be called member last - It's plenty obvious that this credit union has no idea how to be a credit union - failed me so many times over the last 30 years its absolutely hilarious how bad they are... this outfit was originally the N&W railroad credit union which made locomotives, well they sent out a campaign that had a British made non American locomotive on it... claiming the american history of the railroad and roanoke history, they have no idea what the history in the Roanoke Valley is while claiming to be a genuine part of it.
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Everyone has always been really nice here.
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Member One is absolutely the best financial institution I have ever dealt with,(all my life I have been in business)!!! Wish I had been with them years ago!!! I won't forget!!!
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Member one has always worked with me when I find fraudulent purchases, when my account has been hacked it my card number stolen. They are usually fair to deal with. This particular branch is pretty big and disconnected, located a little out of the way. The ATM is a separate round about. The main branch is off to one side. The drive thru is in another building on the other side. Very convoluted lay out!However, it works.
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I will never deal with Member One again. In December 2016, we purchased a brand new vehicle with Member One as the lender. Member One financed a car for my husband some 13 years ago as well so instead of using the current address that was on all of the paperwork and our driver's licenses, they somehow linked my husband's old address to the account instead. We have made monthly payments for 2 1/2 years without an issue until I came home one day to a certified letter on our front door (so they DID have our address after all!?). Apparently, they had been asking for insurance verification by mail to the old address for TWO AND A HALF YEARS. Clearly they had our new address to send us a certified letter finally in June of 2018?? I don't know who dropped the ball on verifying the insurance - either First Team Auto Mall, State Farm, or Member One. But Member One definitely dropped the ball on sending notices to a PO box where my husband hasn't lived in more than 6 years. This problem has taken numerous phone calls to work out, right in the midst of buying a new house Member One erroneously reported to our credit that our last two payments were made more than 30 days late (because of the insurance they purchased on our behalf..the payments weren't actually late).. Now we have to fill out paperwork because of something Member One messed up in the first place and delay listing our house for sale and purchasing a new house until it gets fixed UNLESS we want to spend the equity we earn to put down on a new house with a different type of mortgage. Instead, we're going to wait until Member One finally fixes the problems they created and use the equity we profit to just pay them off and be done with them completely. Even after all of these issues, they sent out a letter last week to the old address - after being told at least six times... Steer clear...Member One is incompetent.
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Charges showed on my account on PayPal that I never used. I almost never used the account for purchases, I mainly used it to pay a loan payment. I called and they issued me a new card. The charges showed up again and I realized that the charges was coming through my checking routing number not my debit card #. They changed the wrong account and now won't take it off my account. Even hit my credit for it even after I've called several times. Told me the charges have been on the account too long to be corrected. If the problem was fixed the first time it would of been taken care of. I liked Member One when it was a small credit union at the N&W building The customer service is not the same. I wouldn't recommend Member One to anyone. The loan officer that was at Member One has switched jobs to Freedom First and convinced me to go there. They are awesome.
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Member one has always fixed my problems. I love banking with member one.
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I've overdrafted on my account once, but yet they took 197.00$ of my money and I still have -71.00 as my account balance so I will be closing the account down asap. Lasttime i checked it was a 35$ fee for overdrafting I didn't know that overdrawing your account would put me in a deep hole like this so I'm beyond upset and they have ruined alot of customers credit. I wish I could give no stars.
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AVOID AT ALL COSTS!!**Updated -- there were some things incorrect in my initial review (based on my recollection of events that occurred several years ago) that I am correcting below. I still stand by my original view that you should avoid doing business with MOFCU**Let me share my saga with MOFCU and why you should avoid it at all costs. I moved to Roanoke in summer of 2010 to start grad school. I had been banking with one of the big banks, but wanted to move to a community credit union to be more invested in my local community. I unfortunately went with MOFCU. During the 4 years I lived in Roanoke, things were fine. No real issues. However, this is when the drama starts -- in the summer of 2014, I moved out of state to take a job after grad school. I moved my money out of my MOFCU accounts and asked those accounts to be closed. Apparently, I had not followed the correct protocol (you have to send a notarized letter which I didn't do) and the accounts remained open unbeknownst to me. In December 2015, I inadvertently tried to pay my credit card bill (~$25 x 2) with my MOFCU account which at that point had basically no funds in it. When paying my credit card bill that month, I inadvertently selected the wrong account from the drop down box on my credit card account. However, that mistake on my end hit my accounts with overdraft fees (which were higher than the initial credit card payment) which they continued rolling over for the next year or two until the summer of 2016. In the summer of 2016, I went to apply for mortgage financing and was surprised to find out I was turned down due to a "delinquent account." I immediately got in touch with MOFCU and it turns out they had already turned this account over to a collections agency (total amount $163). I immediately got in touch with the collections agency and settled with them. I got back in contact with MOFCU and this is where our recollection of things vastly differ. They claim that they told me that there was an additional $30 fee on my savings account that needed to be paid. The only thing I remember them telling me was that I needed to send in a notarized letter asking for my remaining savings account to be closed (which I did) and that everything would finally be taken care of. Fast forward to the December of 2018 now. I was looking to consolidate and refinance my student loans and once again ran a credit report. Once again, I have a "delinquent" account from MOFCU this time from the $30 fee on my savings account. Once again, they had turned this account over to a collections agency. After paying that $30 and another notarized letter, I was assured that everything was closed for good and that no other action would be needed on my part. I started paying for credit monitoring at that point to ensure that something like this wouldn't happen again. In January of this year, I started going through my credit reports more closely and noticed that MOFCU had inaccurately reported to the credit agencies on my checking account that was closed in 2016. I reached out to them and got the run around back and forth from multiple people both at MOFCU and Experian. Finally, after 4 or 5 of these back and forths, I got connected to the correct person at MOFCU. Since March of this year, it has taken no less than 5 calls to MOFCU, 20+ emails back and forth, and 4 disputes filed with Experian to get things corrected with my checking account. And even now, it's still not 100% fixed. So now I get to go back and fight that battle again. At one point, I was told by MOFCU that "there's nothing more we can do" despite the fact that the issue was not fixed and was a mistake on their end. Regardless, although the initial mistake was a small, incidental charge on my end, I expect a LOT more out of a company I do business with. I expect the lack of communication, general ineptness, continual run around, and high fees from the big, corporate banks -- not a community credit union that claims to do business differently. My assessment still stands -- avoid at all costs.
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