RBFCU Opiniões 169

Extremely difficult to get loan from these people my advice avoid the hard inquiry on your credit and go somewhere else

On 4/17/2026, $2980.00 was stolen from my RBFCU account. Even though RBFCU says they provide NCUA insurance, they have denied reimbursement. They have said the facts show I clicked “ALLOW” to approve the transaction on a text they sent me. This is NOT TRUE. I never even saw the texts as I was in deep conversation with “their fraud dept representative”. They want me to believe someone could have called me from their number but they won’t believe that the same someone could have hacked and taken over my phone! My facts are that I received a text from RBFCU followed by a call from their phone # 210-945-3300 (the same # they alway and continuously call me from). Their rep proceeded to guide me to make transactions geared toward stopping and preventing the continued fraud being attempted on my account. When I immediately tried to call RBFCU fraud dept to verify I was talking to them, my hold time was 58 min/58 sec. They finally called me back 1 1/2 hours later from the same # 210-945-3300 they have always and continue to call me from. These facts lead me to believe it was RBFCU who stole my money!
This bank in which I’ve been a member for 14 years has accused me of being complicit in a crime. I have all my money with these people. I have had car loans, home equity loans, cds, money market accounts, checking and saving accounts. I have excellent credit including a well above average credit score. But they are insinuations that I am a thief. They used to be an excellent company but no more. Please stay far away if you want your money to be safe!

Bought a car. Submitted all documents. Later, they sign me up for insurance for a company I never heard of.

Don't work with this bank!

I have been a customer of RBFCU credit cards for more than three years. I have always paid on time, fulfilled all my obligations, and until now had never filed a claim. This was my very first dispute.

I was double charged at Cinemark for the exact same amount, on the same day and at the same time. When I filed a claim with RBFCU Credit Card Services, they told me the dispute would not be approved and refused to refund my money.

The amount was small, but the issue is the lack of support for loyal customers. What kind of trust can you have in a bank that does not stand behind you in the first claim you make after years of responsible use and punctual payments?

I do not recommend it. I would rather bank with institutions that truly support their customers when situations like this happen, especially when someone is clearly charged twice by mistake.

I was told to contact member services because was told RBFCU cared about a over 50 year member charged a $12 fee so they would rather lose a member then give a courtesy fee. WONDER IF THEIR BOARD OF DIRECTORS WOULD AGREE??? THEN WASTED MY TIME TELLING ME TO CONTACT THEM ONLY TO BE TOLD SAME THING!

I am compelled to express my serious dissatisfaction with the level of service provided by the Randolph-Brooks Federal Credit Union branch in Floresville.

I deposited a check and was informed there would be a 7-day hold; however, I was also told that funds are typically made available within approximately 2 business days. I am now on day 6, and the funds remain unavailable with absolutely no communication, explanation, or update.

In an effort to get answers, I contacted customer service and was told I would receive a callback within 2 business days. This is entirely unacceptable given the delay already experienced. At this point, I have been left without access to my funds and without any meaningful response as to why.

The lack of transparency, urgency, and accountability demonstrated by this branch is deeply concerning. Customers should not have to chase down basic information regarding their own money. The absence of follow-through and communication reflects a significant failure in customer service standards.

If you are looking for a reputable and responsive financial institution, I strongly advise you to look elsewhere. Based on my experience, you would be better off going in the opposite direction.

RBFCU online app is pretty awful. We have loans and many accounts through RBFCU. I just called Customer Service was brushed off by them regarding a loan that wasn’t paid but said it was scheduled. Their ATMs never work. And their customer service is pretty awful. she just basically cut me off it to transfer me to loans instead of trying to help me answer my questions. Find a different credit union.

HORRIBLE.. you cannot even imagine lesser customer service. I had several loans with these people and they were handled incompetently, from the very start. They have competitive rates, and that's what made me continue with the process. But they keep asking for the same information, repeatedly (as others have said), and make it very difficult to login each time to provide it. You cannot contact the loan department directly through email - which would be convenient and personable - but instead have to login each time to provide (yet another) snippet of (irrelevant) information. In 48 months of a vehicle loan, I was only late with a payment (postal service) one time, But I received - no joke - 11 (ELEVEN) letters in the mail that my payment was late. Not one email or text message. Unbelievable.

Was supposed to get paid today had bills to pay but they could care less... Called over with no real resolution to members that are still waiting on the direct deposits as of today at 2: 00pm I'm definitely switching banks Because I can't have this in the future where I don't have a backup or nothing is covered in these circumstances. I would look elsewhere because in times like this they don't have a backup for their members in case of outages or delays and direct deposits. Was told to pull out a line of credit which by the way you have to pay interest on that That's not really a real resolution

Had an account with RBFCU for a car loan that I paid off. Left some money in the account but stopped using it. Found out they added an inactivity fee and stole the remaining funds. Never do business with this company.

Do not use this bank. They will deliberately overdraft your account, while even though you have the money, will intentionally restructure your payments to put your entire account into the negative. Screw you guys. I have been banking with yall for over 15 years and you play with my life and money like this.

Omgoodness RBFCU has such great staff members there. I have had Good experience physically at an RBFCU branch as well as over the phone or online. Always have had exceptional customer service. Their branches always delightful, very welcoming and greeted with friendly tellers as well as well mannered security guards. RBFCU have great loan options and helpful/assisting options throughout the duration of the loan. Many other perks when having an RBFCU account. I was assisted recently by Mrs Tracy with my recent loan request. She was a doll! Absolutely wonderful. Full of life. She spoke to me about the counter offers and helped me get a loan repayment installments that fit my needs. Very knowledgeable, credible. Well spoken, easy to understand. Brilliant. Thank you RBFCU for being the best financial institutions available. The motto "Here, you are family" holds golden truth. 💛

I wrote a check for new gutters on my home. It was a large check that is out of usual bill pay amounts. I received a text message and email this morning around Monday, 6am to announce clearing of the check in my account. I am so impressed by RBFCU and their system to alert me to a possible fraudlent check clearing my account the the steps to remedy the situation if necessary.
I also want to commend the RBFCU Bulverde branch. They ARE customers service oriented. They go out of their way to help customers in person, in the drive up windows and now with 2 new drive up ATM machines!! The Manager, Elin Garrison has been very helpful to me on serveral occassions. She has a fantastic RBFCU team.

Avoid at all cost. Terrible business They dont like to let you spend your own money, they lock you out of your account all the time for no reason. literally the worst place to keep your money. Staff is mean and rude not helpful. I think they enjoy hurting people. Hospital dates moved back risking lives due to a staff members ego . Go literally any where else

I have been with them a long time, but they have tested my patience and today was the last straw. Very long wait you’re on hold for over 30 minutes. The people are polite, but they don’t know what they’re talking about. And they basically told me to go and open an account elsewhere because they could not help me. This is not the first time that they are full of shit. I am moving my accounts.

Been a member since 2017. Was better then. Horrible now. Had a credit card when I first opened my account and got a starter $500 limit. Over the years I've tried 3x to get the limit increased/rate lowered with 0 Luck. Ended up closing it. Opened a card with Capitol One and got a $2k limit right off the bat with promo APR. Ive tried 3x to get personal loans from RBFCU for emergency expenses and every time denied. Had to turn to Upstart (I still use even now) that ALWAYS approves me and offers competitive rates. When I financed my Car I didn't even give RBFCU a thought. Just opened an account with a competing bank and got approved & financed in less then a week! Also- RBFCU has plenty of hidden fees. Look for another bank. This one has only gone downhill over the years. I let all 3 of my accounts with them go inactive. They dont deserve my business and dont deserve yours either. Do your research.

I've experienced fraud with my account 4 times in the last 6 months. The customer service I experience is almost always rude and unprofessional. They will knowingly transfer me to other departments even knowing that the other department is closed. The branch I went into to ask for help gave me a disconnected number to call and told me they wouldn't help me at the branch because it would take too long for them. The last time I received fraud on my credit card, I explained to the lady on the phone, that I never even received my new card in the mail, so any transactions couldn't have been me, since I didn't active the card. She removed one of the three charges I did not make, and then left the other two so now I'm receiving late fees on fraudulent charges I have already complained about. I've been with RBFCU for over ten years at this point and because of the poor service the past year, I have unfortunately decided to completely close my accounts as soon as possible.

dated and archaic credit unions, their phone tree SUCKS. Why take all my information (sensitive information as well) only to tell me you are closed. Everything the do is slooooow and difficult to work with.

I would give 0 stars if I could.

As a new member of only 4 months, I have had multiple recent check and direct deposits made into my account. They flagged my account for fraud and didn’t send me ANY NOTIFICATIONS MY ACCOUNT WAS FROZEN OR FLAGGED. No text. No email. No push notification. No call. Nothing. I had to have my card declined and experience panic trying to figure out what is going on with my account. When the online banking experience just kept saying LOCKED with no explanation. Absolutely ridiculous!

Because of this unannounced fraud flag, I also did not have access to my online banking. And I still don’t, even though I have confirmed that the activity on my account is all me, the member. DO NOT OPEN AN ACCOUNT HERE as it WILL inconvenience you and your family. I will be withdrawing all of my funds and closing my account ASAP. Thank goodness I saw another review on here that says don’t open a business account.

Hopefully I will save someone the hassle of dealing with RBFCU.

Horrible Customer Service. Inactivity fees were charged to not using the account. $5.00 a month for October, November, December in 2025 and then in 2026 they raised it to 2026. I am sooooo upset. They don't understand how to treat a customer or take care of any issues regarding this. Not friendly. I wouldn't recommend them to anyone.