TERRIBLE Service! AS a member of only 6 months I applied for a signature loan and was DENIED, despite a credit score in the mid 700s and a six figure income and zero debt. The reason for denial was ABSURD and made no sense. So I obtained a loan from my account at Navy Federal and CLOSED my Frontwave Account. WTF is going on with these buffoons at Frontwave? AVOID. read more

Very terrible bank! They do not care about you and your situation! They will take 29$ out every dollar you cant cover and useless fees Ive never seen a bank do! Do NOT join Frontwave it is the WORST bank to bank with! They will let you rot in random fees and not help you! AT ALL! read more

They will rip you off, The USMC uses them is because of the past credit union PMCU, if you are late on any payments they will take you to collections and ruin your credit. They will not work with you it is a shame that banking institutions are targeting our military youth who may not have the financial education, this bank is predatory. read more

I would give them a zero if I could. I have an auto loan with them, due date was on a sunday. Following day I tried to make my payment, but would' not let me let me pay until the following month. That would be a 30 day late and large late fee of 5 percent of loan. Called to make a payment, charge of $10 for 1 day late. So I will be taking time off of work to drive to a branch 30 miles away to solve what shouldnt be a problem!!! STAY AWAYYYYYYYYYYYY And Zach, dont bother replying, I am a marketing expert and have started to blast this all over social media! Everyday for a month I will post something about how you wasted my time which is about $300 an hour!!!!! read more

I have my car financed through Frontwave. Truly the worst experience I have ever had. I've owned my car for a year and have yet to have anything good to say about this bank. I have automatic payments set up, they don't always take the payment and unless I catch it, than I "fall behind" and have to pay the payment, plus extra late fees PLUS "we sent a repo request out so you have to pay to get your car off the list!" Even though my car hasn't actually been taken. Even once I paid my payment, they tried the next day to take the same exact payment, it didn't go through and I got yet another fee for that. When I first got my car, I had car insurance through one company but then switched to a cheaper option a few months later. I showed proof of both companies, they over looked the first one and just out of no where start charging me $200 more a month for my car for "lack of insurance!" When I have never not had car insurance. When I try to get anyone on the phone to deal with any issues, I either sit on hold for an insane amount of time. Or I get the absolute worst customer service from anyone I speak with. I am very vocal to all my friends and family about never dealing with this company! read more

I currently have a savings account and a credit card through Frontwave and have had issues with them since about 2017. It started when I was sent a notice stating I was approved for a credit card with various perks. I specifically remember the paperwork stated there was no fee to transfer a balance and the interest rate would be very low for the first 18 months. I signed up for the card and when I called to speak to someone about transferring my balances to this card, I was told they don't do that and the paperwork was an error. I even sent them copies of the paperwork and was again told it was sent out in error. Since then I've had issues with the automatic payment not coming out on time and making my payments late. On top of that their app is constantly having issues and glitches. If you try to report fraudulent charges, nothing happens. I called to report a charge I did not make and was told that since I had used the card at that place of business before, they couldn't confirm it was actually fraud. They are not conveniently located in the San Diego area. Basically more of a headache than they're worth. read more

I need to talk to a representative right now but there is only one number to call. When I call it gives 4 options...1. Automated customer service, 2. Talk to a rep, 3. Report a lost or stolen debit card, 4. Report a lost or stolen credit card. 2,3 and 4 options disconnect the call. I've had pmcu since 2009 and was fine with it. But ever since it became front wave, I'm having issues. read more

Been on hold for almost 10 minutes. Other local credit unions do not take this long to reach a representative. There are few options and a lot of limitations with this bank. read more

Frontwave Credit Union - MCRD - Banks & Credit Unions Near Me - San Diego, California

Honestly, with so many banking options out there I don't see any reason to give your business to Frontwave Credit Union. My wife had a car loan through one of their subsidiaries, Pacific Marine, (might have been a re-branding) and had a nominal amount of money in a checking account that she used to make her monthly payments. Once the loan was paid off, she received a statement from Frontwave indicating a $17 balance in her checking account. Since this is not her primary checking account, she went into the Oceanside location to close out the account and obtain her remaining funds. Long story short, they didn't close the account for her. The banker's exact words were "We can't do that for you today." "Why do you want to close it?" "Just keep it open and use it for vacations." It shouldn't be up to the banker if you keep an account open. If they don't have the capability of closing a checking account on demand, I don't see how anyone can trust them with their money. Perhaps the bank is in rough shape, wouldn't doubt it given these other reviews.... The checking account was fully drawn down by monthly fees and they sent us a letter that the account was deactivated. I'm not too concerned about the money, since it wasn't much to begin with. But for the life of me, I don't see why anyone would use this institution when other reputable credit unions (that are ranked much better than this place) are available? I'm sure its only a matter of time for this place, but maybe they should try to go down with a fight and provide honest customer service. read more

I've been doing business with PMCU since 2015, and haven't had any terrible experiences since. So, I pulled up to my branches location on Miramar rd, and they were gone haha. I have nothing negative about this bank. Yes they just went through change, so understand there will be some changes and frustrations when it comes to small things like the app on your phone or having to make new credentials. Please, open another branch close to base. I don't want to sit in traffic UPDATE: They charge a $10 fee to do anything over the phone. Who does that? I just recently got back from a deployment and while I was gone I had to make a payment and so I called them internationally and was told I have to pay a $10 fee. What? Supporting the troops ? I don't think so. Take your business elsewhere. read more

PLEASE consider opening a branch in the La Mesa/ San Diego/ Santee area! We enjoyed having two branches in Temecula, 3 miles apart from each other, but now that we moved to the city of San Diego, we have no branches and closes is in Escondido since we don't have access to MCRD branch..... PLEASE read more

My wife and I tried closing out 2 accounts that had about $22 in them. The bank said they would send us a check. A month goes by and we never got the check. Called them and they said it was issued and still outstanding. Advised them we never received. They said they would re-issue, but wanted to initially charge $25 for stop payment (on a check they issued). Then after agreeing to waive that charge, they sent us a Check stop payment/indemnity agreement that they wanted filled out and notarized. Let's see....bank reportedly issues check, it never arrives and then they want to charge their customer $25 plus asks them to hold harmless, indemnify and get it notarized all so we can get our own $22. UNBELIEVABLE!!! Suggest you bank elsewhere cause they guys are all about the fees and definitely not their customers. If I could give 0 starts I would. We now bank with HOMESTREET BANK and they ARE 5 STARS!!!! read more

As a West Coast Marine, I bank with Frontwave, and it's customer service is just atrocious! When I got scammed, the lady I spoke to sent me a dispute form for me, and said that I should print it out, fill it out by hand and mail it to them, which seems to be really old-fashioned. Why can't we just fill one online, and submit it for review? Not only that, they also locked my card and said that they can't unlock it, and i won't be able to access my money until my new card arrives, which took 7-10 days. Now my new card arrived on a Saturday night, but I can't activate it somehow because it got locked and the lady told me that I have to wait til normal business hours just to get someone to unlock it for me. Plus, they don't operate on Sundays, so I have to wait till Monday to unlock it and get access to my money again. read more

My son in law and daughter bought a truck it is financed through frontwave. Worst financing company we have ever dealt with. They fell behind on payments and we called to make up the payments. They were I believe one payment behind with one payment due 4 days ago. The rep asked where the truck was parked and asked if we could see the truck! Rep said she would have to call us back since she needed to find out if they needed to pay repossession fees. The truck was sitting in front of the home. They were completely unwilling to work with us and everything had to be paid even the current due payment. I have had several car loans in my life and anytime I have fallen on hard times the loan company was always willing to do their best to help get things caught up. This company has rude employees. Other issues in the past have been the credit union returning payments and then charging them late fees. Their bank had no idea why the payment was sent back! There is something going on with this company and I am pretty sure they are ripping people off with more than their 10.00 fee to make payments. Please save yourself some money, time and hassle and bank elsewhere. read more

I'm cancelling with them. Worst Credit Union Services. No customer service after regular working hours. I had an issue around 11pm, something was posted on my account, try to call customer service to tell them not to release it, and... nowhere to be found a representative. Next morning it was all done, posted, charged...long story short... if u need them at night, good luck to you! read more

I have been a valued member of Pacific Marine Credit Union until they changed name and company. Since the change I had nothing but frustration. Thank God I have another credit union I will continue do my banking with instead of this awful credit union. I had no problems using the mobile app until today. It tells me it doesn't recognize my password. I made no change nor did I received any notification my password was changed. I called and all the customer service did was apologize over and over again. I had her reset my password and it still said it didn't recognize my account. I've been a member for 11 years!!!!!! I had no problem with sign on or using my mobile app until now. Now I have to call for my balance and transactions. The old way!!! It frustrates me i have to be transfer to talk to one person to another only for them to apologized for something they don't know what happens.i highly don't recommend this credit union at all!!! I will pull my money out and close my account as soon as I can!! read more

I've been with this bank before the name change since 2006 and can't believe it's only gotten worse online customer service is the worst I've dealt with rude and unprofessional they need more reprimands and training hopefully they can appreciate their MILITARY SERVICE MEMBERS more I will be cancelling my account with them ASAP read more

We were forced into this credit union because ours was bought out. They have no phones in which to contact them so we can't access our money. Plus there is only one in San Diego at the Marine Base. There site is no good. All their phone contacts are no good even the one at the Marine base. I will be transferring to a new bank after the experience of a forced change or buy out from our original credit union. I do NOT recommend this credit union. How hard is it to have good contact phone numbers on their web site? read more

I can't believe all these negative reviews! I'm stoked that Frontwave took over! I have been with PMCU since 2013 and loved banking with them. I was nervous that they were changing so drastically, however I love everything about Frontwave! And if you're a service member go open a savings certificate today! 5% APY! That's not found anywhere else! Now... 2 things that I am less than enthused about: 1. Why did you close the bank right outside Miramar?? That was so close to all the Marines that banked with you. Not a good decision. 2. Why haven't I gotten an amazing frontwave credit union debit card yet?? read more

No good. I am active duty. Had over $7,000 in my savings with Frontwave. PCSed overseas and all my mail from my various banks were forwarded my way, except Frontwave. Admittedly, I did forget to change the address, but the USPS forward should have worked at least once... After several months I called to find out they were deducting $5 a month for a "noncommunicaton" fee, or something like that. $40 total. They did refund one month. I let them hold $7,000 of my money, but they still charge me to hold it. Ridiculous. read more

Horrible place to bank with I went to get my bank card here today and the lady chose to be disrespectful and rude and saying horrible and out of placket innapporiaye words to me and nobody chose to help me and greet me to help me out the only person there today was the manager and she was willing to help me and gave me my card to help me because my account was lock and an order for to be unlock was going in person to get a card I feel like not banking with this bank anymore due to the horrible customer service I receive and felt like nobody wanted to help there a blonde lady who work there who's has a horrible attitude for no reason and was slamming things every time I ask her to help me because I needed help and chose to snatch stuff including my id from me which really rude and feel like as being me never/customer at least be nice not rude and saying negative things to a customer I couldn't even find a way to report her or talk to someone about this incident which happen today which I feel like they don't have employees who are nice and helpful and willing to fix the issues they just rather say horrible stuff to their customers and act entitled then to not wanting to help and walking away knowing I needed help there was hardly anyone in the building when I came in person that is outrages that they allow employees to say whatever they want to customers and including not willing to be respectful and just being polite but no they rather say out pocket they shouldn't allow rude employees work there read more

If I could do 0 stars I would for this bank. They are horrible, please do not waste your time. Go to another credit union or bank.

I would really want to thank Elaine from customers to Solutions. You guys need more people like her on staff so attentive so caring and so professional and thorough. I would honestly keep doing business with you as a bank in the future only because of the positive experience she created for me during my time of need. Thank you Elaine again for everything. you are the best! read more

had my debit card compromised 4 times in the past year alone, I'm done with this credit union, don't notify when they shut off the card, nothing. Just downright awful, nothing but pain with this credit union read more

I had an account briefly after boot in 2002. Their fee schedule is down right atrocious. It seemed like every time I used my debit card there was a fee involved. Not to mention when I went from being a west coast Marine to Pensacola I couldn't find a Pacific Marine bank anywhere. For me it was a no-brainer to go to Bank of America. read more

Im not a frontwave member but I'm trying to make a payment on a frontwave member's credit card...the reps insist that i have to wait for someone to call me the next day to take my payment. Same thing happened last month but NOBODY called me the following day. I called the following day and luckily got someone who was able to help me. I told her about my experience the day before and she said, "we can always take a payment". Thats what i thought too! But here i am again in the same predicament. We'll see if anyone calls me tomorrow. Frustrating! Im trying to give you money...seems like a no brainer!?! read more

Worst bank experience I've ever had. Waited over 20 days for a debit card never got it. Then had them send another and still haven't received it. Worst bank ever! read more

This bank will look for any reason possible to charge you extra complicate the simplest thing and ruin your credit. They repeatedly lost my insurance info and charged me extra for it. Then would not take payment and report it to ruin my credit. After changing names from obvious failure they pulled the same old tricks again by not taking my payment, not answering phone to delay payment, Threatened me with repo and even trying to repo my bike for issues they created. Even went in to this bank to make payments and both times faced with bad service just like over the phone. All bad . Stay away! its a sinking mess still. read more

This bank is TERRIBLE, they steal your money! They allow loans to be taken out but charge ridiculous fees without informing you and without your consent. Once you try to make an arragement with them theyre extremely rude especially management. Do not bank with them! read more

HORRIBLE!!! Avoid/close your account! I was FORCED into opening an account back in boot camp. If you call it will be a mandatory 20 minute hold to even speak to a representative. I am unable to change my address online, the phone operators are unable to change it on the phone and I am told that a "specialist" will call me back within 24 hours. IT HAS TAKEN OVER 4 DAYS TO CHANGE MY ADDRESS AND THEY WON'T RETURN ANY CALLS! This is UNACCEPTABLE! I was only in California for the military, there aren't any branches outside of California. I am unable to get any new debit/credit cards because they won't let me change my address. Transferring all my funds to another bank ASAP! read more

DO NOT use this Credit Union! If you are in the military, change banks immediately! These people do not care about you. You will travel and trying to do anything with their horrible website is a nightmare. They just added a feature to update your address online...IN 2020! Conveniently after I pointed out that I couldn't change mine and they were charging me monthly. They can change their face all they want but they will always carry that Pacific Marine Credit Union reputation with them. read more

I got an auto loan from Frontwave Credit Union in December of 2018, naturally they wanted to be named on my auto insurance policy. They sent me an email that my Insurance Company hadn't sent them the declaration sheet of my insurance policy. Found out that the issue was with Wawanesa Insurance and not with Frontwave. The customer service rep handled the situation and kept me updated as they dealt with the insurance company. Completely satisfied. read more

Stay clear away from this bank. Fraudulent charges that THEY flagged and now won't reverse the charges. Instead they let it go through an now I'm out 150$. They said in order to get my $$ back I have to file a police report! WTH! No bank ever does that, that's why they have a fraud department! Clearly it's not even our charge where we live on the east coast and this charge was made in San Diego ! I'll be pulling my money this week and going elsewhere. Good thing I'm established at another bank that doesn't do this. If I could give 0 stars I would have! read more

So far, not impressed. None of the three "Contact Us" are working, and unable to locate the account number to have a direct deposit sent.

LOVE THIS BANK!. Staff is always professional and knowledgeable. Have had great service with any account. Teller 9773 was very helpful.

We have accounts in Yucca Valley, California. PMCU is the best bank we have dealt with. I also had accounts in four other banks. The tellers are so nice and always very helpful and so is the rest of the staff. We moved out of state seven months ago but keep our accounts with PMCU. We appreciate the kind people in Yucca Valley. We also purchased a new car three years ago with a loan through PMCU. Everyone involvedu were so nice and the transaction went fast and smooth. Thank You. The O'Dells read more

This has been the worst bank I've ever had my money attached to. It is a travesty that the only reason they are still in business is because of their attachment to the depot. This union has shut off my check card numerous times with no warning. When asked, they said they called me on a number that want attached to my account. When the security of my card was comprised, they cancelled my card without warning and didn't automatically send me a new card. They waited until I found out while buying groceries that it was cancelled. "We sent you a letter", except I never got a letter or notification, or a new card. I had to wait three weeks to get a card in the mail. The quality of the cards are very poor. None of the cards I've had lasted more than several months. I received one card in June and it no longer worked in September. The customer service personnel are very friendly and courteous, but generally useless. I never speak to the same agent. Regardless of the situation, so I imagine turnover is high. read more

This garbage bank was formerly Marine Corps West. The Corps set up my account back in 1998 and I was a faithful member until Xmas of 2009 when my account was fraudulently accessed by someone in Nigeria for a total amount of near $800.00. I was living in Houston Texas in New Years Jan 2010 when I filed a police report as requested by PMCU in order to get my stolen $ reimbursed. They never reimbursed me and after each phone call they blamed me of not submitting the paperwork in the allotted 30 day period which caused my account to be in the negative by $118. Months later they sent my account to collections. Here it is 2015 and my credit report still shows a account in collections complements of PMCU. Do not use this bank. PMCU stole from me and runs a corrupt bank. Please sue me PMCU if anything I said is false. They screwed me and most likely end up screwing you. Take your $ elsewhere. PMCU is a corrupt bank. read more

I can't believe this is supposed to be a bank for the military! Most of the account holders are young people learning how to manage money and budget for the first time. This corrupt bank does nothing to benefit these kids, in fact they take advantage of them by charging ridiculous fees with rude customer service. That is, if you can get customer service, my last call to this bank resulted in being disconnected 3 times and speaking with a horribly rude rep named Juana. Newly enlisted military are just getting by financially and then to have a corrupt bank of thieves use whatever excuse they can come up with to charge fees and cause overdrawn accounts is disgusting. Shame on our government for setting our new recruits up with this bank. Close your accounts and maybe eventually we will close down this corrupt bank. read more

I decided to bank with PMCU because of the low interest rate offered during the purchase of car. I should have used another bank with better customer service. They don't seem to have a grasp of what services they offer, and seem to have major problems remediating minor issues. read more