I'd like to note that I tried to issue this written feedback privately but was told they don't have email (which is hard to believe in 2019).
There are 2 stars only for their solution and reversal of the manipulative fees they attempted to charge based off their accounting errors on my auto loan. I'd first like to start off that their web and iOS software has very pour usability and interface. The technology lacks the ability to connect with an outside bank so paying a bill virtually is near to impossible unless you pay from your bank.
Here is a timeline and analysis of the events that have built up to this review:
A payment was issued (on time) via my personal checking account (BofA) on the 15th. On 2/28 I received a courtesy call and reminder of payment. On one line, I had TCU and BofA confirm payment was made but understood loss in transportation so a stop payment was agreed, BofA issued a new check. On that same day, after our 11am phone call, that check was deposited. But because a stop payment was issued, it was refunded 5 days later and TCU then charges me 2 additional fees (despite both reps talking to each other on 3 way, agreeing on a stop payment).
A second call was made from TCU to me on 3/7, reminding me again and I ask the rep to reference the note, explain the situation and say check should be there any moment. She explains there was a stop payment issued on that check, and need another so I am astonished and reference that TCU must have found the supposedly lost check, deposited despite to conversation. She says there is no note made on the account (but after explaining the situation, does not explain additional fees charged that cleared on 3/5? which I find distrustful). I ask her to please make a note of it on my account, especially because it was confirmed by a 3rd party so TCU knows my attempts and validity in making timely payments. On the same day the second rep makes the call (3/7) the second check clears.
On 3/13 I notice the additional charges in online banking and make the call on 3/14 to rectify and address the manipulation and complete lack of communication at their behalf. Fortunately, they recognized their mistakes and reversed the applicable fees. What I am most concerned with was when I asked what forms of assurance can they offer me, as a customer to have confidence and trust in their process because a pour customer experience has been created and a lack of trust has been established now based on these interactions. There was no ownership to the mistake, no explanation on how the mistake would not occur again and no viable solution offered. When I asked how I could get written feedback to management so they could understand their processes I was presented with two options; 1. Mail a written letter in or 2. Fax a written letter. Perplexed, I asked for the email of a supervisor or manager where I could provide written feedback on my experience and how it has shaped the trust lost with the auto loan provider but instead was told Travis does not operate with virtual feedback or email. I find this extremely hard to believe, given we are in 2019.
I hope that somehow, someway this organization can do it's customer's justice and rectify the lack of trust. If I would have been presented with a narrative like the one I just experienced, I never would have chose this credit union as an option for financing and auto loan.
I hope a representative can effectively communicate and assure this will not happen again or at least try to provide a solution. read more