Gerardo D Tdb
map-marker Windsor, Ontario

Bias and False advertisers of Payday loans

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A while back I opened a loan from WFCU and started to think of moving all my banking with them. Had my payroll directly deposited and was already going to close a previous banks account once all transactions has ceased. During that year my family suffered a terrible loss, and I along with it suffered some major setbacks in finances and wage but managed to pull through. In those tough times my loan started to fall behind but I managed to try and avoid many issues that would arise. Even during those tough times I had some miserable times dealing with this Credit Union. My other bank had sympathized with me and been with them for over 15 years. But WFCU started to show it's true colors and I decided to pull all my finances away from them and leave the loan and just have a payroll put money into that loan. As 2017 came to closes and 2018 came everything was in good standing and everything was started to fall back into place. I called to see if I can get a payday loan because they had the best rates, I thought all they needed was a pay stub and everything was fine. Turns out their false and misleading advert doesn't include that if you had a loan with them that fell behind or you have an account that at one point went south, your not going to get approved. So in actuality they are basing their payday loan on the performance of your bank account and or if you had a poor history in the past about your loans or finances. So what is this a payday loan or a loan altogether it certainly isn't a payday loan nor is it available to many people, only those that actually have excellent credit and hasn't default or was late in anything. Sorry but this is false and misleading advertisement and I hope they get nailed for it one day. I'm looking forward to getting his loan paid off and closing that account asap.
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Reason of review:
false misleading advertising & procedures

Preferred solution: Get it approved

Anonymous

Windsor Family Credit Union - Checking Account Review

I have been a member for 19 years. I opened a Fat Cat account when I was 12 to start planning for my future. After high school I took out my first car loan with WFCU and paid it back early. A few years later I met with a member services representative, Wendy at the Manning Road location, who laughed in my face when I asked for help with a student loan. I walked out in tears. Enter BMO who made the process of getting a student loan easy and smooth. Thanks to BMO I just graduated in June and I am now working my first job as a healthcare professional in a hospital. I still use my WFCU account for things like paying bills. This month when I went to pay one of those bills, I noticed that my checquing account was in the negative. Panicked, I looked back at my account activity and noticed that someone had been withdrawing money from my account on a monthly basis without my knowledge or consent. I quickly called WFCU member services to investigate these strange withdrawals. The man on the phone was very rude, condescending and unprofessional. He told me that as of October my account type had been changed and I was now being charged a monthly fee without my knowledge or consent. I asked to speak to a manager to which he was reluctant to transfer me. After arguing with me he finally transferred me to a Nicole Engerts's voicemail. After waiting for 2 days, I finally received a call back. She left me her email and so I contacted her via email and explained the situation. She proceeded to put the blame and responsibility on me for the situation. She told me that WFCU had sent out letters to members and that the information regarding the new charges was available on the WFCU website. She also blamed Canada Post. I never received a letter, and I find it appalling that WFCU expects its members to continually check their website to make sure that money in their account is not about to go strangely missing. I then spoke with Natalie V. Who apparently works at the head office. She accused me of lying and was completely sarcastic, rude and unprofessional. It was clear that she did not care about how awful the staff had treated me, nor did she have any interest in retaining me as a member. I also find it strange that WFCU would begin charging a new grad with student debt a monthly fee so soon after graduation. BMO does not begin to charge any fees for checquing accounts until 1 year post graduation. WFCU, these monthly fees may not seem like much to you. But for a new grad just beginning to work, with tens of thousands of student debt, these fees are the difference between being able to put gas in my car, pay for prescriptions, buy groceries, or not. It is clear that WFCU does not value its members and has no intention of providing good customer service by any means. I am in the process of closing my account and am happy to be done with them. My only regret is giving them my business for 19 years.
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Reason of review:
Problems with payment
1 comment
Jeovanny Sil

Yup, WFCU changes the rules as they see fit and they never update their members when they do so. Even during COVID, they locked their doors and changed the hours of operation without notification or posting.

When they had the data breach, they didn't communicate with the customers, they just locked out cards...this happened to me on a friday night and I was not able to get it resolved until the following Monday. That meant I had zero access to my money or account in general.

Anonymous
map-marker Windsor, Ontario

Unprofessional

Recently applied for a mortgage with WFCU, even with 40% down they denied my partner an I the mortgage. We think it was because we are together working pat time and on disability. So then CMHC approved WFCU to give us the mortgage for only 107 thousand. After papers were signed and been approved and given the mortgage the women D.L called me a month later to have a paper signed that she apparently forgot to give us to sign in regards to garnishing wages if payment missed. I did so for her but thought it was quite odd that a month later she had me sign that paper because she forgot. Are the mortgage paper not all together and printed out the same time? hmmm makes me wonder what is happening. Than a few weeks later she calls me again and said she had a meeting with her team and she wants to have me change information to Equinox and have the information sent back to her. This is so un professional making me so this.. It should of all been done in the beginning with out hassling me and then she tells me and talks to me like a child by saying things like " well we went through allot to get you your mortgage considering your situation" That upset me because than I right away got upset and asked "what situation?" she replied " Well with your credit history" But I than told her I was confused because I have good credit. Very unprofessional. I was told that The WFCU was a welcoming and friendly environment that respects their members. HA this is not happening They make me feel like i am under oath or something and do not make me feel comfortable even meeting with someone there.
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Reason of review:
Poor customer service
1 comment
Jeovanny Sil

This is my second mortgage (second house) with WFCU (both have/are in good standing. When it came time for renewal, I had just started a new job.

The agent (Helen) told me that she didn't have a copy of my insurance on file...then proceeded to tell me that because I was still new to my position, they may not renew my mortgage. In the end, I was not able to move to another bank because of the mortgage rules, but will be selling next year and closing all WFCU accounts.

They make up their own rules, do not communicate with their customers and their services suck. Even the MC debit card doesn't work on MOST websites.

Colby Keu

Avoid Windsor Family Credit Union

On August 8th, 2013, I went into the Windsor Family Credit Union in on Lauzon Road, in Windsor, Ontario, to exchange some US currency and was treated in a very insulting, discourteous and impertinent manner by being flippantly told that they only deal with members, there was no sign and anything there to indicate that that was the case. Their attitude is very nonchalant as far as good customer service is concerned. I don’t have a problem with the rule itself but I do have a problem with the way it is implemented, no one should be treated in such an insulting and degrading manner. I was thinking of becoming a member but because of the way they treat customers I would never become a member and no one else should either. Their customer service is grotesquely atrocious, appalling and dreadful. At least they should have a sign or something there to indicate that rule instead of insulting and treating customers in such a terrible manner. Stay away from Windsor Family Credit Union, you have been warned.
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1 comment
Jeovanny Sil

That bit about the currency is pretty standard at most banks, but you are spot on about the customer service.

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