Client Reviews on Members Cooperative Credit Union- Cloquet

    • 1.7
  • 27 Reviews

Most helpful positive review

0 people found the following review helpful

By Katie Jones Jul 17, 2019

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Most helpful critical review

0 people found the following review helpful

By Paul Conito Oct 03, 2019

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Words cant describe the frustration and hate i have for this company. Barter, bribe, or steal, but dont ever ever take a loan out from them.

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The old tellers get the job done.. new ones are pissy

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Decent place, nice, patient staff, long-ish lines.

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Trying to get through to an actual person at your local bank or anyone for that matter is impossible! Tried calling to ask a simple question that would have taken probably 1 minute to answer. I spent more time on the automated system to where I got lost with all the different buttons I was pushing and after 10 minutes I got no one and was sent back to the beginning. Automated system is an absolute joke!

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I have been with them over fifty years. I will be moving my account. Never a “thank you”.......it’s “have a good day”. I guess I’m old school. Also the new building is awkward in every sense. I could go on but I’m just going to move to a more “local” bank.

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Bank anywhere else. It took almost 3 weeks just to set up an account. Other banks will give you the full business day to get funds in the account before they charge an overdraft fee or return a check. They don’t. Also, don’t bother signing a form allowing overdrafts because it doesn’t do anything to help. Obviously a lot of people won’t be having this problem but the next part is what frustrates me more. I’ve also been redirected to the branch manager to ask a couple simple questions the usual people couldn’t answer and I receive no response every time.

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For the most part, the bank is okay. However, recently I was charged a fee for not having funds available in my account, but there was money available and I put my paycheck in right when the bank opened the day of the charge. I spoke with an account specialist who informed me I had to speak with someone at a branch I've never been to and that they would have that person call me. It never happened, so I called myself. They were unwilling to waive the fee, which is ridiculous because I was charged for something that didn't happen.

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We just refinanced my vehicle with MCCU and the process couldn’t have gone smoother! Great customer service, friendly staff, quick turn-around and my interest rate was almost cut in half by switching to a credit union for financing. I would highly recommend them to any of my friends or family.

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I had my account overdrawn after bank hours and when I realized I couldn't do anything til morning and when morning came they had already charged me an overdraft fee and were not willing to work with me even though I had the money to even out my account nothing I could of done til the next day cause their hrs but somehow it's still my fault. Also if they care about their funders and partial owners they'll read this review with the intent of actually being helpful or I'll just remove my account and have my grandparents pull all their accounts and CDs and invest elsewhere

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Like A LOT OF PEOPLE SAY.... I would not gave them any stars.... As a bank I personally do not know how they are. But as a car loan lender..... I would stay clear of them. I never missed a payment at ALL !!! I totaled out my vehicle that I had through them. As the process of insurance and gap claim all was well with them until we were waiting for the car dealer to refund the last part of the payment for the extended warranty. Members coop hit me and charged me for 3 late payment fees and 3 derogatory marks on my credit score.... As a consumer I contacted them and got the fees dropped and I filed a dispute to get derogatory marks off of my credit score which they came back and told it my fault that I did not pay this. Honestly how its it the consumers issue when the dealership took they're jolly time to pay them, when members told me that this is not my issue but the dealerships??? Now I'm trying to get a home loan and can't because of this.....They don't care about they're customers !!! I wouldn't trust them at ALL !!!They will never ever again get my money !!!!

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