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SDCCU

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SDCCU Reviews 2

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SDCCU Horrible bank and services

I'm not sure who votes them #1. It's a joke. There customer skills are terrible.

They call themself credit union but yet there fees are like a bank. There call center are a joke and of course when they bring a manager into the call it's still a big joke.

How do you charge a customer when indeed I signed I do not want overdraft protection and then charge a fee. I find it as a fraud

Recommendation: They are the worse bank- do not bank with them- Go to a real bank

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SDCCU Don't lose your ATM/Debit card!!

What has happed to SDCCU? I've been a satisfied member here for over 20 years, but will now be moving my money to another (any other) financial institution.

I lost my ATM card on 7/4 so went into a branch office (Kearny Mesa) to get a new card. As of March 2023, all new cards must be MAILED via US snail mail with a 7-10 business day wait. AND, the day after the card arrives to my home I need to wait another day for a US mailed PIN code -- which CANNOT be changed. Is this really 2023?

I'll be taking my $100K elsewhere -- where they actually care about customer service.

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SDCCU Complaints 5

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4:20 pm EST
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SDCCU I took money out of my account in March and it was overdrawn by $300

I took money out of my account in March and it was overdrawn by $300. I wasn’t able to work due to COVID-19, so I couldn’t get the money back in like I had planned. I was an Uber and Lyft driver but had to quit working. I was in a financial bind already from being in a head on collision right before COVID-19. I couldn’t go back to driving and started to look for other work. I called and explained my situation and told them when I started working again, I would pay. They said that would be ok and they would make a note of it. Unfortunately, things got worse with COVID-19 and a stay at home order was put into place. I got hired at a new job, but couldn’t start because of the pandemic so like many people, I was without a job and had no income coming in. I couldn’t even afford to eat. I got a threatening letter from the manager telling me I needed to make a payment, but I had already told them I didn’t have it. I got a message from Experian that there’s been a decline in my score. SDCCU decided to put a negative remark as a charged off account on all 3 credit bureaus as retaliation. We are in the middle of a pandemic and millions of people lost their jobs, including myself, yet somehow I was suppose to magically come up with money. I find this to be terrible customer service and extremely poor behavior on their part. I received some help from the government so I called to make a payment for deletion. I had every intention on paying it back, but not having income was through no fault of my own. I called and told them I’d make a payment for deletion and the representative told me they didn’t do that. Therefore, nothing got done. They shouldn’t have put it on there to begin with so it’s only fair they remove it. I cannot seem to get a hold of a decent and caring human being to take care of this issue therefore I’ve turned to the BBB. Moreover, they were mad I gave them a 1 star review on *** so this is their way of retaliating.

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4:39 pm EST
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SDCCU I received an unsolicited email (From: San Diego County Credit Union Accounts ******************

I received an unsolicited email (From: San Diego County Credit Union Accounts ***., Dated: March 20, 2020 with Subject: We’re here for your with Financial Relief!) from SDCCU stating that “loan payments are automatically getting deferred without even requiring to call them”. However, later I learned from their customer service representative(s) that automatic deferment did not apply to home equity loans account holders. I was later told that I was required to fill out a form to actually qualify for the deferment which I am sure I would have easily qualified. Please note that SDCCU email confused and misled me. The question here is why are there two different standards at SDCCU relief program(s)? Why is it that the home equity loan customers are required to fill out a special form to qualify and other loan payments automatically got deferred without even having to call or fill out any forms? All customers should be treated the same way. SDCCU must follow the “Principles of Fair Conduct” and should immediately cease the double-standard program(s) and rectify the past illicit acts. I also would like to express how bad SDCCU customer service representative named Ramel from the real estate department treated me during a phone call on July 30, 2020. He was screaming at me and would not even allow me to speak. He interrupted me over 15 times and ultimately told me that it is my fault for not reading the unsolicited email correctly. Ramel made me tremendously irate and I asked him to please transfer me to a manager, he said all managers are busy now but a manager named Wendy will call me later today. I never heard from Wendy that day so I called the next day (July 31, 2020) and asked to speak to a manager at the real estate department named Wendy. I was put on hold and was told after a few minutes that Wendy does not want to talk to me and the only person that would talk to me at this point is the collections department.

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M. Johnson
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Mar 06, 2024 8:00 pm EST
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I have been using SDCCU for years and about 1 year ago they updated their online banking service that requires everyone to enroll into the new service. I did so right away. I use the app "Earnin" to help me through rough times right now during Covid to give me cash advances to help pay rent and bills, and they withdraw the money I owe them back when my next paycheck is deposited. They use "Plaid" to connect the app to my financial institution, SDCCU. There have been multiple incidents of connectivity issues the past few months but this one has been unresolved for two weeks and because of SDCCU's failure to provide services, I am unable to use Earnin to help pay my rent that is due. I first contacted Earnin, who told me that it is my financial institution that is having a problem connecting and to reach out to them. So I did, and after being on hold for over an hour, a customer service rep from SDCCU told me that due to their new online banking, new security protocols have been in place that will not allow third parties to connect to my account. I even asked if I could give permission in ANY WAY to which he stated no. So basically SDCCU has restricted me from being able to use third party apps that need to connect to my account. I have seen multiple posts online from OTHERS that use SDCCU that are frustrated with not being able to use third party apps as well. They should be able to fix this issue, but each time I ask them, they keep stating they cannot do anything at all about it. That it is out of their hands. This is ridiculous and unbelievable that they cannot do anything to fix THEIR OWN system and THEIR faults in their system.

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A. Zemlak
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Mar 06, 2024 7:53 am EST
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This "credit union" completely undermined my credit without any justifiable cause. I ceased using my checking account in March due to relocation and a switch to a different bank, but I neglected to close the old account. Unintentionally, I chose my SDCCU checking account for a credit card payment, which resulted in a negative balance. I was oblivious to this and received no phone calls regarding the issue. The only notification I got was an email about an "e notice" from SDCCU, which I dismissed, assuming it was a routine statement alert. They reported the outstanding balance to the credit bureaus without any prior warning, tarnishing my previously impeccable credit report. My FICO score plummeted from 780 to 646, severely derailing my home-buying plans. I had believed that credit unions were member-centric and consumer-oriented, but this experience proved otherwise.

I discovered the overdraft entirely by accident when I logged in to transfer what I believed was a small remaining positive balance and close the account. By then, the account had been closed by the bank, and I was unable to settle the balance online. Upon calling, I was told that payment could only be made via mail or in person. As luck would have it, I was back in the area for work and intended to visit the branch over the weekend to clear the debt. However, before I could do so, the issue had already affected my credit report. It's incredibly frustrating that SDCCU failed to alert me about this minor $220 debt before it had a significant negative impact on my life. The potential cost in future interest, assuming I can still secure financing, is incalculable.

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A. Kris
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Mar 05, 2024 9:58 pm EST
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On January 18, 2021, I noticed an overdraft fee of $32. The following day, a charge from CLEARME.COM for an annual fee of $179 was posted to my account. The company canceled my 30-day trial and refunded the amount immediately. I have an email confirming this, and the money was back in my account the next day. Despite this, I received another $32 overdraft fee, bringing the total to two fees, even though no other transactions had been posted.

Then, my mother mistakenly paid her Bank of America credit card using my account. This was an error stemming from a previous attempt I made to pay her bill online, which was unsuccessful, and I had to settle it in person here in San Diego. My mother, who is in her 70s, corrected her mistake right away and sent the money back to me via Zelle, which was also promptly reflected in my account.

I called SDCCU to explain that two events, slightly beyond my control, had occurred but would be reversed immediately. I requested that they kindly remove the $96 in fees and asked for understanding and sympathy, considering that errors can occur but can also be rectified swiftly. However, they consistently refuse, showing no empathy or compassion, and continue to take money from their customers.

In this instance, I believe I should have been granted a set of courtesy refunds, especially since they can verify that everything has been corrected today. I am extremely disappointed with the poor customer service. This company does not prioritize its customers, nor does it make them feel valued or desired for their business. Despite having direct deposit and over $1600 showing as pending, this bank refuses to consider any form of leniency.

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H. Stiedemann
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Mar 05, 2024 6:54 pm EST
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I have emailed proof of insurance on my vehicle numerous times. Both personally and directly from my agent. Both a declaration page as well as proof, listing them as an additional insured. They have NEVER responded to my emails, nor my agent's. However, today I received a letter that they were adding over $3000 to my payments for "insurance coverage". I have called and sat on the phone for HOURS trying to get someone to ever answer the line (I would encourage someone else to call the 800 # and see how long before someone picks up). Last time (Jan 20th) it took an 80 minutes before someone took the call, only to transfer me to another department. In the event these were STILL not the proper documents, any decent human could have advised me before adding a surcharge. Thank goodness it is only a car loan I am dealing with, since live people are nearly non-existent in this organization.

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SDCCU Terrible Customer Service and Ridiculous Fees: Avoid SDCCU Bank

This bank, SDCCU, has the worst customer service ever, I tell ya! Their fees are just plain ridiculous, I mean, who charges that much? And don't even get me started on their online app, it's never accurate! I've had so many issues with it, it's just not reliable at all. Trust me, folks, do yourselves a favor and stay away from this bank. I should've stuck with boa, that's for sure.

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Is SDCCU Legit?

SDCCU earns a trustworthiness rating of 96%

Highly recommended, but caution will not hurt.

Our conclusion: SDCCU stands out for their exceptional legitimacy, according to ComplaintsBoard’s detailed analysis. This highlights SDCCU's reputation as a trustworthy leader in their field. Customers can rely on SDCCU's services, assured they're dealing with a highly reputable and fully legitimate company.

We found clear and detailed contact information for SDCCU. The company provides a physical address, 2 phone numbers, and 2 emails, as well as 4 social media accounts. This demonstrates a commitment to customer service and transparency, which is a positive sign for building trust with customers.

SDCCU has claimed the domain name for sdccu.com for a long time, which suggests that the website is established and has a history of being in operation. This is a positive sign, as it indicates that the website has been around for a while and may have a reputation to maintain.

Sdccu.com has a valid SSL certificate, which indicates that the website is secure and trustworthy. Look for the padlock icon in the browser and the "https" prefix in the URL to confirm that the website is using SSL.

Sdccu.com has been deemed safe to visit, as it is protected by a cloud-based cybersecurity solution that uses the Domain Name System (DNS) to help protect networks from online threats.

We looked up SDCCU and found that the website is receiving a high amount of traffic. This could be a sign of a popular and trustworthy website, but it is still important to exercise caution and verify the legitimacy of the site before sharing any personal or financial information

Sdccu.com appears to have online shopping features, it's important to know that the platform supports an extensive range of payment methods, making it convenient and easy to complete your transaction. The payment procedure on the website is also relatively simple and straightforward, ensuring a smooth and hassle-free experience for buyers.

However ComplaintsBoard has detected that:

  • We conducted a search on social media and found several negative reviews related to SDCCU. These reviews may indicate issues with the company's products, services, or customer support. It is important to thoroughly research the company and its offerings before making any purchases to avoid any potential risks.
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SDCCU Terrible Customer Service at SDCCU: No Call Backs, Avoid Contact

I've been in the "call back" queue for three days straight, but I never received a call back. The customer service at SDCCU is just terrible. If you have any questions or need assistance, don't even bother reaching out to them. It's honestly a complete joke!

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SDCCU SDCCU's Shady Silence: Unfair Separation Agreements and Covering Up Wrongdoing

San Diego County Credit Union (SDCCU) be trippin' with their requirement of separation agreements for employees who get the boot and peep some shady stuff goin' down. They be sayin' that if you wanna get your severance pay, you gotta keep your mouth shut and not snitch to the government about the wrongdoing you witnessed. That ain't cool, man!

I mean, come on now, SDCCU! Why you gotta be all sneaky and try to cover up your dirty laundry? It ain't right to silence employees who wanna blow the whistle on some foul play. We should be encouraging people to speak up and expose any shady business practices, not makin' 'em sign agreements to keep quiet.

I stumbled upon this info on LinkedIn, where they were talkin' about a case in the 9th Circuit Court. Apparently, some attorneys named Carlton Roark were callin' out SDCCU for their criminal conspiracy. They be sayin' that these separation agreements are just a way for SDCCU to protect themselves and sweep any wrongdoing under the rug.

Now, I ain't no legal expert or nothin', but this don't sit right with me. It feels like SDCCU tryin' to bully their employees into keepin' their mouths shut. That ain't how things should be done, man. We gotta stand up for what's right and make sure these big corporations are held accountable for their actions.

So, if you think about joinin' SDCCU or you already a member, you might wanna think twice. Do you really wanna support a credit union that tries to silence their own employees? I know I wouldn't. There's plenty of other options out there, man. Don't settle for a place that don't value honesty and transparency.

In the end, it's up to you, my friend. But remember, we gotta stick together and fight against these injustices. SDCCU may have made some mistakes, but it's up to us to hold 'em accountable. Let's make sure they know that we won't stand for this kind of shady behavior. Peace out, y'all!

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Overview of SDCCU complaint handling

SDCCU reviews first appeared on Complaints Board on Jun 27, 2023. The latest review I took money out of my account in March and it was overdrawn by $300 was posted on Mar 5, 2024. The latest complaint I took money out of my account in March and it was overdrawn by $300 was resolved on Mar 05, 2024. SDCCU has an average consumer rating of 3 stars from 7 reviews. SDCCU has resolved 2 complaints.
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  1. SDCCU Contacts

  2. SDCCU phone numbers
    +1 (272) 031-2550
    +1 (272) 031-2550
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    +1 (877) 732-2848
    +1 (877) 732-2848
    Click up if you have successfully reached SDCCU by calling +1 (877) 732-2848 phone number 0 0 users reported that they have successfully reached SDCCU by calling +1 (877) 732-2848 phone number Click down if you have unsuccessfully reached SDCCU by calling +1 (877) 732-2848 phone number 0 0 users reported that they have UNsuccessfully reached SDCCU by calling +1 (877) 732-2848 phone number
  3. SDCCU emails
  4. SDCCU address
    6545 Sequence Drive, San Diego, California, 92121, United States
  5. SDCCU social media
  6. Maria
    Checked and verified by Maria This contact information is personally checked and verified by the ComplaintsBoard representative. Learn more
    Jun 17, 2025
  7. View all SDCCU contacts

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