Client Review on Member One Federal Credit Union

Feedback:

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.