Schools First Federal Credit Union
reviews and complaints

Ever since my bank merged with this one I have had non stop issues. They switched members from Visa to Mastercard, with no warning, I made a purchase with my new debit card online and was charged additional fees due to the card being Mastercard and the merchant was evidently out of the US. Some places I regularly use my card are now declining my transactions while others work perfectly fine and there are adequate funds in my account. I switched all of my accts that have auto payments and now some payments aren't processing 2 months later. The final straw was a cash app transaction being switched to "cash" because there was an "issue" with my bank acct, so the money was never deposited into my account, instead it sat in limbo in cash app and I had to refund it to the person and find another way to make the transaction. This bank has been a disaster since they merged with Schools Federal and it doesn't help that this all took place after I moved out of the area so I have to rely on mobile banking. Now I have to find a local bank as this one has proven to be sub par.

All payments are processed correct yet all payments are not paid from this Bank and waiting for reverse payments.

2 charges would not get reversed after calling in serveral times, they dont help me just give me excuses Over *** in fraud charges never got reversed

12/4 around *** am I arrived to ur stater *** location on *** and valley center drive..I withdrew 100$ cash and nothing came out but my card and receipt...yellow light went on above the cash dispenser and the store said they could not help me whatsoever! Please contact me asap

I used a Schoolsfirst Atm in ***, *** the machine malfunctioned and didnt dispense my funds . I immediately called the bank to explain the issue and they told me it would take up to 45 calendar days to be resolved . I explained to them how would they be able to contact me with me not being a member the representative said my card issuer would have to file the complaint. Ive called schools first multiple times to get an update and they wont tell me anything because Im not a member, but Im out of $1,000 which is my rent for the month

I have tried since the beginning of December to get myself a new bank account because my ex boyfriend copied my sim card and somehow hacked into my laptop and got all of my personal info including bank accounts, social security. Schools first did a good job, trying to help assist with what they could do... however NOONE seemed to understand the severity of this problem I am experiencing. I still don't have online access, nor a new bank account number. I can't even use my debit card. It doesn't work with the *** I created at the branch in the beginning of December. Please help

I recently recognized an unauthorized charge that I reported. Apparently, it goes back to December , which is almost a year ago. They told me I would have to call the company to cancel whatever the charge was and then give them a call back to dispute the charge, which a violation of regulation E. After telling them that they are violating Reg E for making me call back to do the dispute, the rep did the claim for only 3 months, since they can only dispute that last 3 months of transactions versus all the transactions they can see up to December . I want to get my money back from unauthorized purchases like I can with other banks.

I?am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal *** which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. SCHOOLSFIRST / $302.00 /

I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with Transunion, Equifax, and Experian. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal *** which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.1. FIRST FEDERAL CREDIT C bal. $468.00 Acct #

I received a letter stating that I need to show proof of hazardous insurance, never had this issue prior to the merg of this company and Schools first credit union. I called when I got a 2nd letter to see what I had to do and the lady told me to have my insurance company resend the coverage and for me to go into mycoverageinfo.com to update it as well, so I did as requested. I then get 3rd letter stating that they have charged my escrow for no providing proof of insurance. I called again and they tried to give me the run around and at this point I told the lady I don't have time to do their job. I did my part and still got charged. My insurance is yearly payment so there shouldn't have been any issues. This bank is unorganized and cannot do their job. I will be looking into refinance with a different bank. I just hope this does not affect my credit score.

I did a member to member transfer and accidentally transferred 700$ instead of 70$ On September *** further I asked the man I spoke with to please note my account that I would be calling in the following day well I got very sick and had acute glaucoma attack in my eye due to the stress of this mishap that I had to have emergency surgery on Tuesday I called in Thursday to follow up with the bank and was told they couldnt do anything about the error if I would have called in when it happened they would have assisted me I then explained to the supervisor *** I did call in when it happened and was told that department couldnt assist me. I was told the supervisor was going to listen to the record calls since the person I spoke to didnt note my account. How can the bank not assist me with an error done through there app this app is new and has many errors

My Mom went to the bank 9/20 to deposit a Chase check ($17000+), pay her auto loan ($2000) and cash a check in the amount of $1000. She requested it in $50 bills. When my Mom returned on the 9/24 she noticed that her savings only had $10,000 and not $15000. She inquired about the discrepancy. The Assit. Mgr *** said she made a withdrawal of $5000+. My Mom disputed it. They investigated and said the *** gave her two envelopes. They were wrong. The first envelope held the Chase check and a copy of that check. So my mom returned it to her purse when she gave it to him. Then, the second envelope was the $1000 she cashed. But the bank is insisting my Mom got the $5000+. But she never did. The security cameras show that she got the two envelopes. But the neither envelope has the $5000+ cash. *** is lying and never handed her the money. Such a large amount of cash wasn't counted infront of my Mom. And they have serial numbers and could trace it. They are wrong. Please help.

This is the second complaint made with your bureau. This credit union violated my trust by selling my private information with an outside financial institution. Thinking that the correspondence come from this credit union, I accepted their refinancing offer and I went through with its process. After my information was taken, a follow up with the institution call back, I found out that it was not related to Schools First. This unfinish process, probably will hurt my credit history because I initiated a process that I finally declined because I was mislead by the advertisement. As result of this non-sense business, I contacted the credit union and I spoke to a supervisor. her name is Cynthia M. This administrator forwarded my complaint to Monica Ocampo, a manager as well. This person responded in such demeaning and unprofessional manner. Attachment might be provided as well. Again, If I made this complaint it is because their unfair practices. My previous letter explained in detail what happened on my first business request with the former or well know ad ***. Thank you

Purchased multiple goods from an online merchant with a 3-5 week time frame. The merchant then gave delivery dates extending past the 5 weeks. The merchant gave reasons for the delay due to supply chain issues and that the products still are coming every 2 weeks. The merchant gave a January 3rd, 2022 when the products will arrive. No products arrived. I requested a refund from the merchant on 1/3/22 and the merchant processed the refunds on 1/4 and 1/6. No refunds have showed up from the merchant as of 1/22/22. Called 1/14 for 8 transactions, 1 was approved because it was within 60 days. The other 7 were denied. 8/28 1399.98 9/2 699.99 9/3 399.99 9/3 699.99 10/2 499.99 10/2 499.99 11/2 *** The available agreement shown on the schools first doesn't state anything regarding time frames or non-delivered goods. If you have a problem with the quality of property or services that you have purchased with your Card, you must attempt to settle it directly with the merchant. If your attempt is unsuccessful, you may contact us to determine whether charge-back rights apply From Mastercards rules available on their website. https://www.mastercard.us/content/dam/mccom/global/documents/chargeback-guide.pdf Page 61, Goods or Services Not Provided Chargeback Condition. One of the following: The cardholder contacted the issuer claiming both of the following: The cardholder engaged in the transaction The purchased goods or services were not received In cases involving delayed delivery of goods or services and the delivery or performance date was specified by the merchant and the latest anticipated delivery or performance date was specified by the merchant has passed: Within 120-calendar days of the latest anticipated delivery or performance date specified by the merchant.My significant other was able to submit disputes through her Chase debit card for goods not delivered. We both ordered at the same time. Chase made the process easy and valued her as a customer.

I have been a member of schools first federal credit union since 2018. Since September this year I have had multiple issues with money literally disappearing before my eyes on a daily basis. I was trying to purchase a home and have put $30,000+ dollars in the savings account with this bank. They were allowing transfers from savings to checking repeatedly in large amounts and claiming I made the transfers. I went in person on the phone and was asked every time to review my statements that they printed for me and they refused to go over them with me even though I claimed something was fishy! It is to the extent that in the month of August it shows I went through ***+ in one month! I complained that if the checking account was overdrawn so many ti.ez how was it that they were not adding the customary $22.00 overdraft fee every time because with all of those transfers it was not implemented a single time! I also told then the alert emails I was receiving showing my account withdrawals and balances did not match and were extremely inconsistent with time frame and amounts the email sometime claiming to deduct several different amounts and the balance remaining the same or hundreds less than my balance literally minutes to hours later. This week I watched my account dwindle away to literally 10 dollars its Christmas and they now with 10 dollars locked my account. I have no money no access according to them. Since September I have complained you change my card and continue to allow businesses that were not authorized or given the new information to continue to remove money from my account. You have failed to protect my account security and have Fallen short providing customer service that has been effective or helpful. I have copies of emails that I believe are either incorrect or fraudulent and you have failed to investigate. Again since August to present this ha occurred repeatedly and none of these transfers between accounts follow my way normal banking pattern