I wanted to share my recent experience with your customer service department because it was extremely frustrating and disappointing over the last two days. I was transferred around for three days spoke with eight different associates before finally getting any real assistance and still unresolved. The runaround is laughable. Each interaction felt like a complete starting over, obvious they do not read notes, and it clear Community employees could benefit from a refresher course in customer service, communication, and problem resolution. The go to answers: I will forward this request LOL Let me connect you to ...... they are going to help you ????? Somebody will call you back LMAO I felt it was important to share both my disappointment with their service. Sincerely, Stephen Smith read more

It was my first time joining a credit union. My partner has been with them since they started as Duval County teachers and recommended me to them. I definitely had a great experience overall with everything BUT! most importantly I had a amazing experience with Amanda. She was so informative and helped me set everything up with ease. I'm very happy to be part of community first and an extra thank you to Amanda for all her help and efforts. read more

An email to community first.... I have been a member of this bank for twenty years. I have a pretty big issue at the moment. I took out a personal loan approximately 4 years ago for approximately 4k. Community first set up and payments and I set up auto payments not to miss one. I get to the nearing of completion on this loan, which previously was two separate payments at 100 dollars each per month. 3 years, no issues. When my loan got smaller, I've noticed that community first stopped allowing the auto withdrawal of 2 separate payments, and wanted their APR for the whole term. All of the sudden, instead of keeping the scheduled 100 payments, it just stopped because my balance was around 200 dollars. Ok, dirty business, but I understand. Make your money off your member. Need your interest. Fantastic. I missed an EIGHTEEN dollar minimum payment I guess two months ago. Over 30 days. Well, I have two accounts with community first, checking and savings. Am I led to believe you couldn't access my account to retrieve this ridiculous payment? I have EIGHTEEN dollars in all of my communty first accounts. Please help yourself for EIGHTEEN dollars when we you'd like. My issue now becomes a larger one. My own bank turned me into the credit bureau for missing an EIGHTEEN dollar payment after taking 200 a month from me no problem. Without fail. So because my own bank turned me in for EIGHTEEN dollars, my credit score dropped nearly 100 points due to this. I'm currently attempting to buy a home. Thank you so much for killing my credit score over EIGHTEEN dollars that was obviously in my account. I'd ask you to please remove this late payment from my credit score immediately if you would be so kind. If not, I guess I'll take my banking elsewhere because this is embarrassing for not only me, but more embarrassing for community first in my opinion. I don't see this removed from my credit report, I will be withdrawing my accounts and any business I do with community first and will be more than happy to post a review. Your own bank will sell you out over EIGHTEEN dollars. Thank you so much for your concern to this embarrassing matter. Their response... Thank you for your message. To better serve you and answer your question, I advise calling us at 904-354-8537 to speak directly to one of our member service representatives to discuss your options in full. Please let us know if you have any other questions. Morris Eservice Representative My response: I'm not calling anyone. I will obviously go up the chain of command to deal with this issue. Please send me your supervisors info. Clearly this is a no factor at this level. Glad your credit score wasn't ruined over 18 dollars. I'd like an answer who your supervisor is by the close of business Mr Morris. Thank you and have a great day, Their response: NONE I would never do any banking with this group. Dragged my loan out and didn't allow my 100 dollar 2x a month payment so they could drag this loan out and pocket more interest. For EIGHTEEN dollars they turned me in to the credit bureau. Literally embarrassing read more

Although there were a couple more off ramps that went badly, the local team intervened and the resident expert (EK) -- working w the great Beach Blvd branch crew whom processed four (4!) doc sets professionally/cordially -- was able to fix the Recast missteps and finish the process. Kudos. read more

It has great employees (see Feb. 21 5* review) inside the branch who have been wonderful to us as we've tried to recast our mortgage. Then it went to the Recast minions. We sent (via certified USPS) the necessary docs on March 25. They lost the memorandum (doc #2) whilst cashing the check (doc #1) and having the affadavit (doc #3) -- all three docs attached together -- as they messaged us on April 7. I replied immediately and received an automated response it would be answered in 2-3 business days. (Took more than 2 weeks). Not accepting a copy, we returned to the branch office for another notarized memo, again the branch staff were wonderful, not even caring they were duplicating what the Recast minions lost. (I originally considered losing doc #2 to be inept -- i now realize it was a ploy to further delay the recast approval/modification process). Call #1 (April 7): Sent to Escalation when rep told me it would be handled more quickly since they lost a document. Told me someone would call when received (NO call back) even though we included both our names/numbers on an attached sheet. Mailed it on April 8 (another costly USPS certified mailing) and it was received on April 15. Call #2/#3 (April 17-18): Sent to Escalation (rep Justice both times) who didn't know why we hadn't received a call back and promised to call once he learned why. (NO call backs from Justice). Learned Recast minions made a ridiculously-long deadline for approval (April 29). Call #4 (April 29): Once I learned CFCU on April 23 had rescinded our April mortgage payment (manually transferred on April 7 when we discovered the automatic checking-to-mortgage transfer on April 2 had failed again) making us appear late -- spoke to Stephanie (Exec Resolution) who assured me the recast/modification would be done quickly and she'd be monitoring and communicating w/me (NO call back -- didn't talk to her until my eighth call today and unluckily was escalated to Stephanie again). Recast minions missed their April 29 deadline (as I had told Stephanie they would) but got an online message from Scott K on May 2 that the recast was approved and the mortgage modification of prinicipal and interest would be completed "within five to seven days). Call #5: May have been the worst call w/poor connection and irritable Escalation rep. Wrote an online message May 17 to Scott K asking when modification would be complete, received the automatic 2-3 day response message (NO online message response) Call #6 (May 19): Spoke to Ingrid who quoted the new modification timeline from the Recast minions as May 25, and said she'd call be back w/update (NO call back). Told her it was foolish to believe the Recast minions would complete the modification on the Sunday before Memorial Day. Call #7 (May 27): Spoke to a rep who asked me to give him a chance to rectify the situation w/a 5 PM deadline for a call back (NO call back even allowing for his PST AZ time zone). Sent Scott K another online message today, received the 2-3 business day response. Call #8 (May 28): Was escalated to Stephanie again who said she'd be "monitoring the situation" and would get back to us "within 2 days" once she could learn more about the new May 30 timeline from the Recast minions. Reminded her that she had made the same assurances on April 29 to no avail. 1 is too high a grade for the Recast minions. They have lost a document to delay the process; they have missed the long timelines they set; they are literally immune to any accountability from any other part of the CU. I've wasted more than 7 hours on these 8 calls (five to Escalation levels 1 and 2, 3 to Exec Resolution) w/NO call backs, continuously-annoying defense of the Recast minions, and horrid customer service. Because of the CFCU rescission of our April mortgage making us look delinquent, calls 5-8 have been routed to Coillections at which the rep immediately asked if I'm ready to make the payments -- complete disrespectful behavior toward members since the 1990s. No one has tried to do things right, much less trying to get things right, w/NO illusions of making things right. Steer way clear of Community First CU which outsources their main mortgage processes. read more

Usually the people are great inside- I have seen a lot of turnover - but they still seem nice inside. The ATM is the part that is not reliable, my latest visit has the ATM being broken for seven days. For society today with so many banking options you would think they on top of the convenience of the ATM. read more

This bank is worse then coorperate banks. Went in for a loan after banking with them since I was in middle school growing up. I have an excellent credit score, $40k income for years, yet I was approved of the worst loan out of banks who don't know me at all. This bank states "they are serving the people". Their focus is only making profits as they lie to and take advantage of the hardworking people. read more

I love banking here. Loan rates exceptional and fast. Always friendly staff and ready to help. I will continue my financial relationship as one satisfied customer. read more

All the ladies in the bank had very professional customer service. I needed to get a bunch of coins for my job. I didn't use the ATM machine. read more

Terrible bank, terrible customer service. Not helpful at all. I still have negative affects of working with this bank in my credit report. They only allowed me to have an account for 2 years because that's when I was going to graduate. I took the money from my account before it expired but there was apparently a pending charge which caused overdrawn balance. They did not call me, did not notify me. I saw it on my credit report. I called them and asked what happened. They asked me to pay the remaining balance and I did in the same day. However they refuse to remove it from my credit report. They claim that they called me several times but that's not what happened. I do not recommend this bank to anybody. Stay away! read more

Last minute changes in document requirements, ineffective communication and subpar advising were the hallmarks of my experience with the process of a recent HELOC application I submitted with Community First. This experience was awful from start to finish. I have had a long standing banking relationship with Community First. Our Home Mortgage Advisor (Ron) failed to provide us with proper guidance, document requirements and midway through the process (after my credit had already had a hard inquiry submitted) it was revealed to me that my 2021 Taxes would be needed to process my application. At the inception of this application process, I was told the only thing necessary would be a tax filling extension (if applicable). Needless this say this resulted in my having to terminate the application, without the benefit of HELOC, but with the now TWO hard inquires on my credit report. In summation, I will be closing my personal and business accounts with Community First, as this has completely eroded my trust in the Credit Union's ability to provide proper service to a long-time client. read more

worst bank i have ever been to, did tree work for a lady and she payed with a check, came to this bank to cash it and they told me they need to call the lady to verify her signature, absolutely do not come to this bank read more

I've been banking at this location for about three years now. Unfortunately the customer service seems to be steadily declining. The kiosk is absolutely pointless. The employees act like your not even there once you've signed in. No one greets you. Your left to just sit there and wait an un estimated amount time hoping someone comes to talk to you after you've signed in. More than likely after waiting and waiting you just leave without anyone saying anything to you. Like several of us in line had to do. Oh well, they obviously don't want my money or business so I will be taking it elsewhere. read more

I've been to multiple Community First Banks in Jacksonville and I've been happy with the service at all of them except this one. I have been here multiple times and every time I come to this location there is always a long line and only one teller working. From now on I will be avoiding this location. read more

Terrible Bank. Terrible Customer Service. Terrible Loans. I went through Community First Bank to get a car loan because they offered me the best interest rate. I was told at the dealership I would be able to do online payments/automatic payments. The kicker is he didnt tell me I had to do it through their bank meaning money had to come out of a Community First Account for automatic payments and online bill pay. They misled me into a loan and when I went to talk to them about this issue they had no concern about it and told me that is how it is. I waited over 45 minutes to speak with a manager and he told me to switch my direct deposit to community first. I refinanced my car loan with USAA, and have warned everyone on my ship about the deceptive loans and salesmen at this bank. read more