Client Review on Prospera Credit Union

Feedback:

I have been a member for over five years dating back to 2011. I had an instance in July of 2017 where I called a week ahead of time to sign up for check deposits via the iPhone app. It’s the system where you take a photo of the front and back of your check and they are supposed to deposit it. I took the steps I needed to take to sign up and they said I was good to go. One week later, I was out of town, while I was out of town I knew I was going to be paid by a client. This is a check I needed to deposit immediately as my account was running low, which is why I signed up the week prior. When the day came to deposit my check via the app, it did not work. I called Prosera and the people I talked to told me the lady in charge of app deposits was on vacation. There was nothing they could do; they were so sorry. I heard, "I'm sorry" over and over, that's it. No resolution. No customer support. They made me feel as if I was inconveniencing them. I was stuck out of town with very little money because of this. Luckily for me, the bank my client issued the check from was able to cash it. Following up, Prospera never did. Prospera never did anything to write this wrong. I am sure after I post this they will apologize in the comments because their public image is taking a hit by this and they want to act like they care. They don't. This isn’t the first time I was let down by Prosera. In the Spring of 2017 in went in for an auto loan ... they approved me for, $5000. Yes. Seriously. $5000. I will admit that my credit score is not flawless. There are some flaws on it .. so to add, I had a back-up co-signer with a +816 credit score if I needed it. Still, only $5000 was what they approved. Talk about being insulted. I really was. I went to Bergstrom this past fall and I got approved on a $35,000 loan on my own. I am so happy with my loan and new car, but no thanks to Prospera Credit Union. Prospera didn't take me seriously because I am an entrepreneur. If you're looking for a place to keep your money and do basic ATM stuff they are great. But if you're an entrepreneur looking for a financial institution to have your back, they are not the place to keep your money. Also, if you don’t keep a certain amount in your business account every month they penalize you with a small fee.