Sdccu Reviews

Negative Experiences with Mortgage

I had a mortgage with this company but got out of it as quickly as possible because of how difficult they were Initially during my real estate purchase which included a 1031 exchange they upped the interest rate on me mid-escrow They totally had me over the barrel as I couldn t risk losing my 1031 exchange mid-escrow Also they would not allow paying extra principal payments online I had to walk in my extra principal payments each month to the branch The last straw was when they added 1100 to the balance of my loan without informing me When I brought it to their attention and asked why I was told they did an audit and found that some of my extra principal payments were not figured right and they needed to add the interest back without informing me Their explanation made no sense as they supposedly thought just three out of dozens of extra principal payments which were all paid the same were in need of refiguring All of these are shady practices and may even be illegal I had a lot going on in my life at that time so didn t have the energy to fight with them on these practices I will never apply for a mortgage with SDCCU again

There are much better options

There are much better options I used to love this bank I ve used them 13 years but sadly they are now antiquated as far as service I ve been waiting over 2 weeks to be mailed a new ATM card and I live in the same city as this bank They say they have mobile deposit but that is just false please read the terrible reviews for their banking app that doesn t actually work Zero after hours service no temporary block feature or temporary online shopping feature The ATM machines and web services go down too many instances typically over a weekend You may live near a branch but seriously drive a little further for a bank that can take care of your modern needs and that also won t make a hard hit to your credit to join

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Please share on social media If you want to understand why the reviews at SDCCU are so bad Google then watch for free Unions of Discredit the 2 5-hour documentary about SDCCU that reveals what they tried to prevent the public from knowing

Worst bank I ve ever had

Worst bank I ve ever had at 48 years old SDCCU is awash in horrible policies that make banking difficult and stressful It is obvious that the customer does not mater at all here and I would avoid SDCCU at all costs

These people are complete idiots

These people are complete idiots I sent them a legal court document to change my name and I was told it was being mailed back to me After a few weeks I called because I had not received it and I was told that they destroyed my legal court document To top it off the guy on the phone was incredibly rude and acted like I was an idiot - because of course they destroy court documents Goodbye to these people

Horrible customer service

Horrible customer service The agent argued with me about a policy that is not stated on my monthly Visa statement When challenged there was silence As the customer it is not my problem that SDCCU takes 5-7 days to process an ACH payment Their services are archaic and their customer service reps need to be trained better