American Credit Alliance (or ACA for short) were my financial liberators. After I returned to New…read moreYork after completing school in Florida, I found myself with a ton of debt, and not enough resources and organization to bound out of the mess I found myself after supporting myself practically through 4 years of college. Looking through the New York City yellow pages, I looked up several credit counseling agencies to help me restructure myself financially. After contacting a few who required that I close down ALL my accounts, I found ACA who was willing to work with me and allowed me to keep some accounts open (in this day and age, not having a credit card is impossible to do especially with e-commerce). After they provided me guidance on how to close the accounts I wish to have them manage and the details of the program, I started the plan in late 1999 and finished making my final payment by 2004. In total I repaid $15k in unsercured debt without going bankrupt, and my counselor Wanda was a joy to work with. I got my parents also on the plan and they paid off their accounts in no time. Recently a friend of mind took my advice, and he signed up with ACA's services and to this day thanks me for recommending them to him, especially when he required help paying debts after the recession started in 2008. Highly professional and helpful, I recommend anyone in the 50 United States, the District of Columbia, Puerto Rico, Guam, the U.S. Virgin Islands or the Northern Mariana Islands to contact ACA if you require dire assistance with your financial woes. HIGHLY RECOMMENDED!

Unfortunately, I got stuck with this CU when my mortgage was sold. Nothing but issues from day one…read more After the first year the sent me a escrow refund. Only to come back the next month and send me a letter stating my mortgage payment was going up because the escrow was now too low. I didn't get the letter. The auto payment wasnt enough. So, they hit me with a $100+ late fee. No calls not communication other than mailing me a letter. This year they mailed my Homeowners insurance (new policy) to the wrong address. So, my policy was never renewed. Two more months and I'll be done with them for good.

I've been a member of Trumark for several years (from birth to now and I am 27-years-old). I have…read morenever been more frustrated with a bank's fraud detection, investigation, and prevention program. 1.) ATM limits are set in stone. If the bank is open and someone is on the phone and you're in front of an ATM that has no limit, you can withdraw as much as you'd like. You can't change your limit by default. 2.) Credit card disputes have to be handled through phone. You wait 30 days for a fraud investigation to complete and you have to sign a document. Capital One and TD are 1-2 weeks at most and no signature required. Disputes can be done online. Card can be canceled through simpler user interface 3.) The fraud detection system calls me for predictable/normal charges. Occasionally it does call me for vacation reservations which is good. It did not call me when two charges were made around the same time in King of Prussia, PA and in Ohio while I was away...and my card number was being used fraudulently... If you're okay with archaic online interface and low interest rates and a lack of benefits that the major banks offer, then go with this bank. I know I am switching when all of my ducks are in a row. I'd be interested to see management's intent to change-- but it seems non-existent and they seem unaware. Thanks.