Security Service Federal Credit Union

The customer service line? A JOKE! Trained idiots. I generally have a very pleasent experience when I speak with them and they assist me everytime, but man these past few weeks… HELL!
I dont know if every representative woke up on the wrong side of the bed or if they all just decided that this week is the best week to be cranky and have absolutely zero customer service and not try to rectify or please their customers because man they are on a freakin roll!

I do not recommend them for any type of loan. I had a car loan through them, they decided once my payments were supposed to be completed that were going to charge me $ 4,000. Because supposedly they didn’t have proof of insurance (they lost it) for back when I initially got the loan in 2008. Well I’m sorry, but, that was seven years ago… who keeps their old policy from seven years ago?
So I tried to get a hold of the insurance company, to no surprise they can’t pull up a policy that is that old. When I got a hold of SSFCU again to tell them what the insurance company said the SSFCU representatives weren’t at all surprised. In fact, they told me that they figured that because most companies don’t keep records past a couple years, they knew at the beginning that it was a losing battle to try and locate an old policy information and so I was going to be stuck paying $ 4,000. Set up for failure much? A little convenient don’t you think? I mean really, they conveniently failed to notify me that they needed this information for the past 7 years (all the communication that has taken place– sending them payments and receiving statements from them, I never once received this kind of a document requesting the policy at that time?) and bring this up at the closure of my loan so that I’m stuck paying them for another year for no reason! Not to mention that they had contacted me in 2010 to update my insurance policy (which I complied), why didn’t they request the policy from 2008 at that time? I log into my online account often, my address has been updated and for some mysterious reason I haven’t received any request for information up to this point. Just so happens that it’s when there is no hope of recovering what they lost… SCAM… it wreaks of dishonesty and it is extremely unprofessional of them to do this. I will NEVER recommend them. Terrible company. Even if this is not something shady, a bank shouldn’t be so disorganized that they can’t keep track of what «really important» information they have and don’t… for SEVEN years.

I spent a freakin’ hour on the phone with these imbeciles and was basically told they don’t know how to accept funds to pay off a credit card from another bank online or over the phone if its over 3K. Really??? It wouldn’t have been so bad if they didn’t keep putting me on hold and EVERY time I had a simple question. Each hold would last 5 – 20 minutes. When they returned, the response would lead to me asking another question that would result in my being placed on hold for another 15 – 20 minutes. It’s worse than the «let me talk to my boss» crap at the car dealerships. I think maybe they just don’t want me to pay it off so they can keep charging the interest. I wound up just hanging up on them and will figure out how to get them my money on my own.

Although I am now in Austin, my bank is SSFCU. It is «high tech» and makes banking easy online and via mobile device. The staff responds in a timely fashion to e-​mail inquiries and phone calls. In person, the staff go out of their way to be helpful. Some day I hope to be a more substantial customer. But let me say — in the interim — they have treated me exceptionally well. SSFCU beats other, larger banks that advertise their friendliness. Also, SSFCU is community-​minded and it contributes to nonprofit and community improvement programs. That means a lot to me!

Good service, if you have Share Branching this is a bank that allows deposits and Withdrawals. Customer Service is really good, Bank is located on a side street off of Southcross. Make sure you try to avoid paydays, bank can be crowded at times. Highly recommend if in the immediate area