I submitted extensive documentation establishing that Heartland Credit Union's customer knowingly and intentionally made a reservation at The Oleander Hotel through Booking.com. The customer voluntarily entered his own credit card information to secure the reservation and received **16 separate communications by email and text**, including our cancellation and check-in policies. The documentation provided shows these communications were successfully delivered. The customer subsequently claimed that he called The Oleander Hotel to cancel his reservation. We dispute that statement and have no record of such a cancellation. More importantly, reservations made through Booking.com must be canceled through the appropriate Booking.com process by the guest. The hotel cannot simply cancel a guest's reservation on the guest's behalf based upon an alleged telephone call. Despite the substantial documentation we provided, Heartland Credit Union accepted its customer's unsupported representation and reversed a legitimate charge for a reservation that was knowingly made and subject to clearly communicated terms and conditions. The result is extremely concerning: the cardholder was permitted to avoid payment despite the merchant providing documentation of the reservation, payment authorization, cancellation policy, and 16 separate communications regarding the stay. In my opinion, this raises serious concerns regarding Heartland Credit Union's dispute-review procedures and the protection afforded to merchants when a cardholder disputes a legitimate transaction. Consumers and merchants should reasonably expect a financial institution to evaluate objective documentation rather than accept an unsupported assertion that is contradicted by the transaction records. I have retained the complete documentation associated with this matter and stand behind the accuracy of the evidence submitted. I strongly dispute Heartland Credit Union's decision and believe the evidence overwhelmingly supports the validity of this charge. read more

I have banked with Heartland for many years in Madison. I moved to the PNW last May. I thought I would end my relationship with them, but the customer service they give is exceptional. A shout out to Norma (yes she knows what for). I don't care if Im half way across the country, I'm loyal. Jobs well done Heartland read more

I enrolled in Billpay through Heartland C U in Dodgeville, WI. Then, several months ago, I changed my mind and THOUGHT I'd de-enrolled. This month, March, 2024, after paying my rent with a money order from the CU, I got an overdraft notice. BILLPAY TRIED TO YANK ANOTHER RENT PAYMENT FROM MY ACCOUNT = ISF! Tons of bouncee-bouncee checks to other places & irate responses from payees. DO NOT-NOT-NOT enroll in Billpay!!!! They will steal your money. I got a terse response from Jesse Spohn, Dodgeville, WI branch manager, denying any responsibility on the cu's part, mansplaining that I was charged the fee because they "...made the payment on your behalf when there weren't enough funds...unable to reverse the fee " WELL OF COURSE THERE WEREN'T ENOUGH FUNDS...DUH. BECAUSE MY CANCELLED BILLPAY TRIED TO MAKE A PAYMENT AND OVERDRAFTED ME!!!! I've been a member of Heartland CU for over 15 years. Almost all of the Dodgeville employees are very helpful, but not Mr Spohn. I'm looking for other options in the teeny-tiny town of Duhville (with a population smaller than the high school I went to.) Skip hick towns with hick businesses if you can afford to. I'm elderly & very poor = stuck here. EXTREMELY PISSED!!! read more

I've been a member of Heartland CU for many years. Recently I experienced, several complicated financial events. For a long time I was at the willy st branch, my children also have accounts there. Now they've opened a new branch on E. Washington, much closer to my home. I have been there sometimes as much as 3 times a day. There's a Universal Relationship Specialist there, Alyssa Mena who has helped me through a whole bunch of complicated transactions and I am very grateful she listened to my struggles and made cogent recommendations about how to proceed. Her service exceeded my expectations and I'm happy I bank there. Tim read more

Paid my property taxes by electronic checking and received a letter from the city saying my financial institutuion said insufficient funds. Went to Heartland to investigate because on the day they were paid I had $5,000 in my checking account. So pissed when they said my account number was close to another members number and it was their account they looked in to not mine. I also had them screw up a house payment I sent to a bank by reversing the amount on the check. I've only been with them for 9 months and 2 big mistakes. I don't feel confident in this credit union. read more

I used to love Dane County Credit Union, but new policies from Heartland Credit Union seem kind of fishy, especially how they protect customers' information. Additionally, Customer service is not excellent any more. It is really unfortunate, but I think now it's time to start looking for a different Credit Union or maybe a Bank! read more

There are not images on 1/2 of the checks that cleared the bank. I've emailed them through the online account and they don't respond. They need to get their act together. read more

Very eager to put debts from the pandemic in collections and place garnishments on peoples (single mothers) hard-earned paycheck in todays economy where inflation is high, people are struggling to pay rent and barely able to afford food. Won't even work with you but will claim they reached out without even verifying your personal information. Do not recommend banking here at all if you are not wealthy. read more

We recently purchased our first home and Nicole walked us through the process everystep of the way and answered any questions we had in detail. She made the home buying process very easy and straight forward. read more

I was a customer of Dane county Credit union for years and I loved it. With Heartland credit Union it is now time to find a new bank. I can not get any of my personal paychecks deposited. I even went to the bank and had them right my numbers down on a piece of paper so I could give it to my employer. I called and wrote down the number and I even gave blank checks to my employer. 6 months later I call again. OK lets go through your numbers again. After 3 tries don't you think you get a strike out? LOOK LADY I SAID I'M DONE HERE!!! If you can not get your paycheck deposited and no one fixes it well what good is your bank? My main paycheck is going into another bank account and I will have to hang around for a little bit to get my car payment paid. How in the hell are you going to get your car payment if you cant deposit some ones paychecks? read more

I used to have an account with them for many years. I once had approximately $400. withdrawn from my account and apparently deposited somewhere else. They made good on their error, and told me it was because my account number was similar to that of another customer and they couldn't guarantee it wouldn't happen again. I made sure it wouldn't happen again by changing banks. read more

They have an ad referring to covid 19 and apply for loans regardless of credit score! Bunch of BULLCRAP. My credit score is 630 and still got denied! Also i made a large deposit and went to take it out couple weeks later only to see that the lobby was closed, they only allow 2,000 at the drive thru window---which is dumb. They said the only way to get all of my money was in the form of a cashiers check. Ill keep my accounts open but def wont be keeping anything there. read more

I was a Customer with Dane County for MANY YEARS. gave Heartland a good year in which wasn't good for me but good for them. I removed all my loans and accounts threw them and will never recommend them to anyone. Its said that this has happened as some of the old employee's i got to know even over the phone i really liked. Heartland should be Heartless. read more

worst compnay ever!!!! if i could give zero stars and a middle finger i would. from not reporting on time made payments to my credit, then marking them late, then closing my account when still open so credit dropped 60+ points. they blamed "their system". then made a payment and got charged a late fee. again system blamed. when calling to inquire i was hung up on by their employee!!! do not open any accounts with this company!!!!!!!!!! read more

Forced to use them in merger with DCCU. They reported "late payments" to my credit in the time it took to get my new account setup after 3 years of perfect on time payments. My credit score dropped 100 points from closing the DCCU account and the late payment derogatory mark. read more

I have been a member with Heartland CU for over 8 years. I just shut down all my accounts. Customer Service is out the window with this bank. On top of a bunch of reason's why I am closing my account when I paid off my auto loan they never released my title. I did call to make sure they would release the lien since the loan was paid off months early. 6 months later when I was going to sell it I called the DMV to just check..well guess what they never did release it!! Grrrrr.. This bank is very sloppy in their work. I would not recommend them to anyone. I was a member of another Credit Union before Heartland for over 20 years and LOVED it. When I moved to Madison I had to leave that Credit Union. I will be going to Summit Credit Union. read more

This credit union charges a 25$ fee for every time you exceed 5 transfers from savings. I had been with this bank my whole life. When I asked about this fee multiple time everyone I talked to made me believe that was something that every bank does. When I finally discovered that not all banks or credit unions charge that fee, and the ones that do charge it the fee is usually 5-10 dollars I was very upset and I felt that I was misled by the staff. When I came in to talk about this issue I was greeted with a very condescending tone and have still not received any apology. Despite complaining 5 to 6 different times no one informed me that not all saving accounts have that limit. I am now with summit credit union and they are sooo much better. No fees or limits for transfers from savings, the app is way better and the service People actually explain the rules and how they work. read more

In Wisconsin, as many know, titles to cars are now sent to the lien holder. I received my title in the mail with no lien holder registered. I knew this was a mistake. I was contacted about this and said i would drop it off when i have a chance. So i get a call on Thursday from the collections manager stating that if i don't get them the title by the next day they will send me to collections. Mind you this is their fault and now i am being threatened if i don't act in one day. The collections manager is the rudest person i have ever talked to. She treated me like i was a criminal. Like i was behind on payments. No, it is paperwork that they screwed up. The woman at one point stopped talking and then hung up. Professional right? Done with them and i hope i can help you stay away as well. read more

We had a car loan with Heartland. In Nov and Dec of 2019 we fell behind on payments due to the death of our son and funeral expenses. We contacted the loan manager. Explained what was going. We were not offered any kind of assistance or empathy for that matter. They took us to court put a judgment against us even though we had the 2 payments paid before the court date. Move forward a year and a half. We paid off the loan 5 months early. One week after doing so we noticed $469.50 was deducted from of our savings account. When I called them to ask why I was Transferred to the Bank Manager who was the rudest most condensendjng human Ive ever spoken too. I was informed this money was for court fees from almost 2 yrs ago when they put the judgment against. We were never told we owed this money. We were not contacted before they took the money out of our account. When i stated this was unfair. I was then told they could put it back but then they would refuse to release the title and place a new lien. Poor business practices. When Covid hit and my husband lost his job due to Covid they didnt offer us any kind of deferr.ent or anything like other banks did. I believe were actually were punished for paying the loan off early. I contacted our local courts to see if they were notified this judgement was paid. They stated no. I then called back to speak to the same condensending manager who informs me its my responsibility to take the paperwork to the court house myself to show judgment was paid. Thats if and when i receive such paperwork. Its been 2 weeks. I still have received nothing. I wont not recommend this financial institute to anyone! read more

Avoid this place at all costs! They are nice to you to get your business but if you ever fall on hard times they will kick you when you're down! The collections managers talk down to you and don't care what your problem is! I wasn't even behind in any payments just trying to be proactive after a work injury and they didn't care! STAY AWAY! I WILL be leaving! ROBIN M (business manager) you should talk to your legal department before you post comments! I have the call recorded if you'd like to hear it the gentleman from Heartland was rude to me and he offered no help whatsoever also you did not help me out with loans I took out while out of work, my daughter financed a vehicle with you and told us about some special you we're running on interest rates on 2020 vehicles so I called you to refinance one vehicle and your banker talked me into financing two more with you so that's another lie you posted! My loans were fine with Landmark credit union and Connexus credit union! You financed a brand new motorcycle for us in 2014 which we paid off early and had no issues with you then, so you're ok as long as people don't fall on hard times and people should know that before doing business with you!! Have you ever heard of Defamation? I can prove my words, can you? read more

I've been a member of Heartland Credit Union for about 34 years. Service with a smile has always been the case, and I'm never just a customer. I've used three different locations of the credit union, this one, the one at West Washington and the one on Williamson Street. I will say that I've only had one experience in those many years that wasn't up to snuff, and that's a teller who doesn't speak good enough English. If your money is in a bank, you're really missing out on the credit union MEMBERSHIP experience. read more

these people charge you $25 overdraft fees after i was told my account had overdraft protection and then i wasnt even refunded my money, i will most defiantly be banking else where, this is bs! read more

I am a farmer in North Western Kansas, and I have always had a good relationship with banks and credit unions I have worked with, including mortgages, equipment loans, vehicle loans and lines of credit. I wanted to move my accounts over to Heartland Credit Union after I heard good things about them. Walking through the door at the Hays branch, I did not get that vibe. I could see people were busy working (which is good to see) but then I saw one person sitting at her desk on her phone, I believe her name was Erryn. It took her a few minutes before she even recognized me walking through the door. But by that time, one of the tellers finished with a customer at the window and began helping me, Jessie or Josie I believe her name was. She was very helpful, until Erryn came over and starting to oversight what the teller was doing, so much that Erryn took over and started a very unprofessional conversation (Her husband, health issues, politics, partying while she was texting on her phone as well) I have never had such an unprofessional experience at a bank or credit union before. I did not open an account at Heartland because of this, and while she is still working there, I will ensure all of my family, friends and employees do not do business there. Once she is gone, I will be more than happy to come in and switch over my accounts to you! Sincerely, a very angry customer. read more

We joined Heartland Credit Union two years ago after dealing with banks for too many years. The associates at Heartland are always friendly and very helpful. Their online banking is super easy to use. They do great things for the local community too. I highly recommend banking here. We moved recently and we were really sad to leave Heartland CU. read more

Very rude supervisor! While attempting to deposit a money order into a checking account at the Deforest branch I was told they would not allow me to deposit the USPS money orders. The man (supervisor) around 25 to 30 years old told me "I believe there's a high possibility that the money orders are Fraudulent". When I asked why he would think that he said "nothing is filled out like who too and who from and you (meaning me) had to fill them out". I stated so what if the guy who bought the money orders was lazy and didn't fill out his name. That doesn't make them fraudulent. He then suggested I go to the Post Office and get cash for them and come back and deposit the cash. He then also told me that if the money orders were bad and he allowed me to deposit them, he would have no legal recourse to collect any losses from me. This guy obviously needs more training in the laws and people skills. The tellers were all very friendly and helpful other times I was in, so that was the only problem I had. The problem here is that you are supposed to develop a bond of sorts with your financial institution where they know you better than you know yourself. Then they find ways to help you in areas that they can provide a service and that service makes your life better. This relationship grows over the years and at some point your house is paid and they gave you the loan. Your cars are paid and they were there for all of them. The kids are out of college and your savings for collage has a small balance in there that they will let you know of the accounts taxation or non-taxation. They will also sit and discuss how close you are to your savings goals for your retirement as they either have some of it invested there or know how much and where it is. You then retire and continue using the financial institution and there services to flow the investment income through their products to your checking for you to use. They are a very important partner to your financial success and that requires trust among other things. All the above requires trust, concern, empathy, knowledge, etc... from the financial towards you to earn your business. The young man who told me that he believed I had fraudulent money orders was essentially calling me a crook as I had told him the money orders are from a son in law for repayment of a loan I had given him a month earlier. He still said he believed there is a "high probability they are fraudulent and we are not depositing them" Who on earth wants to start a financial relationship with a financial institution who allows a supervisor to talk to you like that. I am glad they are not my main financial institution as I was only using their shared branch center to deposit into another credit union. When they read this they will want to make it into a policy issue or other institutions policies etc... What I am talking about here is the poor treatment by a supervisor towards a customer or member. Just as the other complaint stated rude people! When you get to rude supervisors then you know the institution is allowing it and you can never have a long term good relationship with the institution. You would be too afraid to call and ask. PS: The money orders were deposited at another financial institution and incredibly enough they were actually good money orders! Who would have guessed! read more