Really quick bullet points to summarize - They have friendly employees awful policies- Not willing to work with you when things go wrong- Will tell you one thing and do something different- Most unprofessional collections team EVER- Don t care how long you ve been with them- Go somewhere elseI ll try and keep this story brief and too the point but there is a lot of emotion behind it so it ll probably be a book anyway They were nice enough to use always a pleasant experience in the branch or online chat their base level employees are great Anything beyond that and they are one of the worst financial institutions I ve dealt with Their overdraft fees are insane most places give you the opportunity to bring your account current before smacking you with a 35 fee MACU will do it for a few cents with no chance to fix it I was scammed years ago the best they would do for me after telling me the fake check was cleared and the money was good only to come back and say nevermind we need all that back was give me a workout loan which had an insane interest rate It took me years to pay that off and wouldn t allow me to even consider other lending options until it was paid off Don t know why I stayed after that but I did By the time Covid hit I d been with them 11 years Had my salary cut back drastically in August right after buying a house pulled out a loan with them to restructure my debt it was actually a decent deal the loan officer was very helpful and got me a good deal Also helped me get a loan with my motorcycle as collateral something I greatly regret doing I was laid off the following December and immediately fell behind on basically everything I tried to keep up with the payments ended up falling behind They were quick to get collections involved and not so quick to offer help despite saying they would I ended up being able to get some payments made so I was only a couple months behind they offered their standard covid assistance program which delays payments for 90 days I figured great I have three months to get things worked out Well no that 90 days started from when my last payment was made so it bought me literally 6 days SO HELPFUL THANKS GUYS Soon after they closed my line of credit with no warning despite having been making payments on it I called and spoke with some account manager who worked out a deal with me to reopen the line and give me some time to work out payments on everything else Well her team doesn t talk to the collections team they even said so themselves so nothing I was told happened because the collections department just bulldozed through and screwed everything up A couple weeks after the line of credit being restored they closed it again incurred a massive amount of fees they refused to refund From February through April I was charged well over 1k in fees they refused to do much about I called and spoke with their collections team many times frustrated to the point I could hardly do more than shout in frustration to which point they actually laughed at me more than once When trying to explain the deal I had agreed on with the other department they would tell me that s not their department they don t care laugh some more and then continue to harass me with phone calls emails and letters Now my they have been up my butt for reposessing my motorcycle The thing has sat at my house and they stopped by once to which I said you can t have it why make it easy on them I had also been saving my money to get my accounts current because they have a stupid policy that if you are in repo you have to bring all your accounts current before they ll drop the repo case not just collateral loan When I argued how unfair that was they just said it s in the agreement you signed ya maybe it was doesn t mean it s fair just makes you a dick for hiding it and never mentioning it So since I had lost all trust in anything they do I stopped making payments until I would have enough to bring things current I m not about to make payments for months just to have them come pick up the bike and lose all the money and the bike They then filed a claim with their insurance saying I was trying to defraud them I spoke with their agent who was very cooperative did what he could to buy me some time saying they were incredibly lazy and unprofessional also advised I continue my plan to not make payments until I can do so in full because he wouldn t trust them in the situation either After being unemployed for 8 months I finally get a job and tried to talk to them to work something out They wouldn t give me one inch not even the slightest sign they gave a crap despite it being my only vehicle So don t use them they don t care not even a little they won t work with you just screw you over
John Mecham
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MACU has grown to be the biggest credit
MACU has grown to be the biggest credit union in Utah because they embrace old school greedy capitalism Don t let its credit union incorporation deceive you I ve worked for hard-nosed greedy companies that are phenomenally successful and I ve worked for hard-working customer-and-value-focused companies who are every bit as successful As consumers we should never reward the former way of running a business never support the MACU s of the world There is no reason to The fact that it is a credit union and I moved to them to support my local community credit union is one of the reasons I can t stand them Take all the bad experiences you ve ever had with Verizon Comcast Transamerica Auto Insurance DMV IRS and other Banks put them together and you get MACU Many of the BIG Banks alert you before they penalize you with an overdraft fee due to a pending charge MACU alerts you after they have assessed a 25 fee and will asses a 25 fee the next two days if you happen to be busy In short you could overdraft 1 and pay a 75 fine for that Then you could very well have a bank on the other side of that transaction with a 30 penalty so the total goes up to 105 This is big revenue for MACU so they don t care No joke Loan sharks may be the only industry interested in gouging their customers more Who runs their business on gotcha penalties Think about it Penalizing the customers they exist to serve How strange is that Can you imagine being at a grocery store and a card is declined and they penalize you 25 on the spot before trying another card Would you go back there No You would be ticked What is ironic is MACU sells you on the idea that their overdraft fee is only 25 Hearing that sincerely gave me a warm-fuzzy when I decided to make the jump from Chase to MACU Ahhh finally a local community credit union that tries to do a little better and I can feel good about supporting a locally born business These were my actual thoughts and feelings Ask Chase Bank what it s like with them There were dozens of times I got alerts and had the money in before any fee was assessed With alerts like that I could set and forget my bank account A beautiful thing I signed into Chase maybe twice a month But with MACU I m always on-edge and log in no less than 30 times a month I HATE it Another small thing MACU has no way to do external same day ACH transfers from business accounts Just stupid as can be So I feel trapped because I m part of a joint business account at MACU so I m stuck on the business side and it traps me for my personal accounts as well as I need the flexibility of same day transfers Next and this a small small thing their ATMs won t dispense 10 bills If you buy anything on KSL make sure you always buy stuff in 20 increments I know this is stupid but this actually speaks to who MACU is I m sure it was decision that came out of some efficiency or streamlining initiative Disregarding customer service as part of the decision-making process It is hard to explain how deep my dissatisfaction is Maybe one other way to do it is to liken MACU s success to the success of an ambitious slippery but slick politician who knows how to manipulate people with smiles flattery and by putting them in positions where they feel they have no choice but make the choice that is in the interest of the politician Their customer support will always say the slick thing to justify or skirt by doing the wrong thing Come on you have to know what I mean Just an overall feeling of greed the wrong kind of capitalistic credit-union-by-name only shysters And me being stuck makes it all the worse So this is my chance to vent where otherwise I would just leave Be smart stay away from MACU Many other banks will be a better choice
Todd
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MOUNTAIN AMERICA CREDIT UNION DOES NOT
MOUNTAIN AMERICA CREDIT UNION DOES NOT CARE ABOUT THEIR CUSTOMERS Please read and share with people Thank youFirst I have been a member with Mountain America Credit Union for 5 years in this time I have had three different car loans along with a current a 10k credit line with MACU In this time frame I have NEVER missed a payment nor have I ever been late on a payment So a few months back I bought a 52 000 BMW can you believe it MACU passed on me So another Credit Union America First jumped at having my business and me as a customer Not only did America First get my new BMW loan but they also gave me a credit card with a 15k credit line So I paid off whatever balance I had with Mountain America So at this point I m thinking okay I have no more business with Mountain America So why am I so upset with Mountain America here is why My credit score is 780 So over the past 3 months I think I have no more business with MACU yet I didn t realize I had a monthly chiropractic membership 49 99 that was still being charged to my MACU credit card So I had no reason to think to look at my statement I NEVER received a phone call or a text from MACU collection department or any of their representatives regarding any past due issues Which should have been a concern to their collection department as to why a perfect 5 year customer of theirs is now going delinquent over a simple 150 Keep that in mind 150 So I never got a call or text from their collection department but what does MACU do instead they sent a derogatory letter to the credit bureau at which time I get a text from my credit monitoring service that my credit scores just dropped 79 points 79 POINTS I m like what So I go and looked at my credit report and that is how I found out that MACU collections department filed a derogatory letter on me over 150 WITHOUT EVER CALLING OR TEXTING me A perfect 5 year payment record with them and I mean perfect and I get NO Call NO TEXT from them I just lost 79 points over 150 that I didn t even realize was being billed to MACU credit card All of which a simple phone call or text from a MACU rep would have handled this matter So I then call MACU thinking this is going to get resolved I speak to several people including manager who heard what had actually happened The manager even agreed with me that prior to this matter I have never been late on any of my payments and EVEN more she could see that MACU collection department never reached out to me via phone either in their records on their system She told me they emailed me a notice We will get to the email in a moment So I asked the manager why do they have my phone number on file if they don t ever use it Oh wait get this if I log into the MACU app I get a text INSTANTLY stating someone is logging into my account But apparently my phone number doesn t work the rest of the time with MACU or their collection department before sending derogatory letters to the credit agencies over a simple 150 error So back to the email that they said the sent I don t know about everyone else but I get 50-60 junk emails a day if I miss a day or two of going through all them they just pile up As I m sure they do for a lot of people So NO I never received the emails regardless if they sent them However a simple call or text from MACU regarding this issue would have handled everything Don t all of you get your phone calls and texts I know I do more so than an email So moving forward after speaking with the manager she agreed she could understand my frustration of losing 79 points on my credit score over 150 without even FIRST receiving a courtesy phone call from MACU collection department or any representative Also she told me that someone would contact me regarding this matter Well NO ONE DID Shocking right Instead MACU just sent me a letter stating the matter is closed and it s staying the way it is So if any of you believe Mountain America Credit Union values your business or appreciates you as a customer THEY DON T MOUNTAIN AMERICA CREDIT UNION DOES NOT CARE ABOUT YOU AT ALL
Todd
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Absolutely atrocious customer service
Absolutely atrocious customer service They re all amateurs I ve never had such a terrible experience at a credit union And it s consistently bad Been here for a couple years now
Leslie Balling
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I repeatedly have terrible luck paying
I repeatedly have terrible luck paying bills with macu I will schedule payments get a confirmation only to find out the payment didn t go through How is that possible I make an electronic payment and get the confirmation which means the payment is done right Wrong They don t put the payments though until the funds are no longer available to use Giving you a confirmation is apparently no real garentee or contact if you will Even though it is literally is supposed to be a contractual garentee How does that work I spoke with someone who returned my call and her answer was that even though i had the money it takes up to 10 days for an electronic transaction to go through B S It s instananious just like it is all over the world If this were the only shady thing I ve dealt with at this bank I d be 10 times happier Unfortunately this is not the only legit problem I ve had with them How do they get away with this Hmmm It s too bad utah law is consistently laid out to protect banks employers and other wealthy donors to the law makers personal pockets That s the simple truth You d think such self proclaimed family oriented people would take care of the families Sadly they do not Anyone who lives here for long knows that whether they admit it or not
KirtD
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Garbage company don t bother
Garbage company don t bother Mobile check deposit had an error and never put money in my account after 3 days of trying to call and being on hold for 30 Plus min each time I had to go in person and finally get my money that I needed 3 days ago Longest hold for customer service I have ever had with a credit union garbage glitches and problems all the time No thanks there are much better credit unions out there that don t waste my time Don t waste your time finding out how poorly they are run Also went to a location 3 weeks ago on a Tuesday about 1pm and they were closed no one was there no signs said they were closed but doors locked and no one at drive thru
JDC Dog
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Horrible Customer Service
Horrible Customer Service When you call to get help the people answering the phones never know anything more than the automated system They place you on hold for every question so they can call someone else for help I have been waiting to deposit a check for 3 days I am going back to BOA I m glad I never closed my accounts with them
Kenny Watts
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Terrible follow up
I highly recommend do not do business with MACU They make promises to get back to you with updates and fail to do so at every correspondence There are many lenders to choose from We own two home and have impeccable credit and loyalty to paying our debt and we re treated like we are in adequate Shop around there are plenty other companies and loan officers that would be happy to refinance or offer a Heloc to help a customer I went here under a recommendation from Guild and just wasted 4 months of my time The kicker was I had a couple questions when they said they can t approve and crickets No response They won t earn my business I hope you all at MACU return calls or emails to your clients when you say you will That s what it s become these days Bye MACU from a would be loyal customer
Avital
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The worst credit union ever
The worst credit union I ever dealt with- we got the loan right away through the dealer Its the customer Rep we have the issues with and how it s handled In a process of moving our loan to another credit union VERY DISAPPOINTED
Daisy
N/A
look elsewhere
I ve had my account hacked with money stolen from me four times since I opened with them 3 years ago in Utah Twice within a few months There is no protection No fraud service department No call or text asking I was making purchases in two different states at once And this last time they called me repeatedly and tried to blame it all on me I was confronted with suspicion rather than care and concern It was an awful experience If you re moving to Utah or anywhere else with this credit union choose a different one
