RBFCU Opiniões 169

I started a personal loan with this company. I sent them multiple pieces of income verification, and every time they were asked for a new verification source when I’ve given them all information that I had up-to-date they still denied me. I made a call with the associate about how long I had to get this information into them and was told 60 days the application closed within 30 days. When asked to hear the messages they would deny me and said I need to subpoena them, this bank has not tried to work with me at all, even though the information they’re asking for, is very easily shown through their records, if somebody would actually take the time and look, but they never even compiled information together until the very last minute when I was asking them about this absolute garbage of a bank don’t waste your time don’t waste your energy. When you ask for help, they get snarky on the phone they put you on hold forever garbage I will be closing my account as though my little money matters to them. I doubt it but for my personal sense of well-being I can’t deal with this stress any longer with this bank .

We have had a terrible experience with RBFCU. Recently, we uncovered a total of five unauthorized ACH transactions on my bank account. Despite calling the customer service and fraud department numerous times to dispute these transactions, we have not received any constructive assistance. After speaking with multiple customer representatives and escalating the issue to various supervisors, help was still not provided. RBFCU advised us to contact Capital One directly, as the unauthorized ACH transactions originated from there. However, when we called the Capital One fraud department, they informed us that RBFCU should have initiated the investigation and contacted Capital One’s fraud department via bank-to-bank communication. We are perplexed as to why RBFCU cannot assist small business owners in protecting their accounts. We escalated the issue again this afternoon and were placed on the callback list, yet we are still waiting for a supervisor to contact us.

Worst bank/ credit union ever!
Will move numbers around so you can seem to be negative just so they can charge you an overdraft fee. Even though you go and deposit funds before days end.

They restrict access to your money and customer service is terrible

My opinion and personal experience is that RBFCU, about 12 yrs ago, was a well run credit union. It’s since become a low-rate, substandard bank where you’re no longer a person who they actually benefit from having as a customer who deposits funds, but a number that they now consider a nuisance when you call for help with an issue involving THEIR services. However, putting aside that their ATM at the 6475 Baywater Dr location was out of service/out of money today and that they affiliate with 3rd party entities who’s credit card rewards services are inconsistent at best (“We cannot access uChoose Rewards. Please contact us at 888-999-4355.”), I expect to receive a response that tries to apologize and put me at ease about my sentiments for RBFCU - perhaps, an AI driven response? Don’t bother. It’s almost insulting and a waste of time. Anyway, I have my money and my confidence with a different credit union and I’ve witnessed the difference between the two.

This bank literally hates you. Your money isn't yours, your cards aren't yours. They will lie to your face. Feign polite ignorance, Misrepresent your problems. They're basically scum bags on the level of a politician or lawyer. I explicitly told them not to replace some cards, they did it anyways sending me scrambling to the bank to get rent money. The fact that these people will do the precise opposite of what you tell them to do, smile while doing it, and say "Eff off that's your problem" is insane. I will be paying off my credit card and moving to a new bank.

This is the worst Credit Union you could ever have. Do not trust them with your money. They will never catch real fraud but will freeze your card for no reason and not notify you at all. Also don’t ever use the call back option for customer service they will NEVER actually call back. Stay on hold. I recommend closing your account and going elsewhere.

This is what they advertise: "24/7 fraud monitoring and $0 liability for unauthorized debit card purchases". I have been with RBFCU for over 15 years. And when my debit card was hacked, they refused to cover the fraudulent charges. They actually caught the initial charges and froze my card. And when I called them they found that over $1000 of fraudulent charges had been made within a matter of minutes in another town. And when I asked them if they would investigate they said it was too hard to find these types of criminals. 1 month later, I get a letter in the mail stating that they will not be covering the fraudulent charges after all. So when my husband called to ask why, they stated that we had to file a police report with the stores where the charges occurred and pursue our own investigation. Even after one of their own representatives stated to me that it was too hard to find these kind of criminals. They also did the same thing to my daughter on her account, refusing to cover $800 worth of fraudulent charges. Very similar situation. They have lost our business and our money. And I'm sure they don't care about losing us as just a few customers, but maybe once more people are similarly effected and take the same actions then they will start to care.

Please DO NOT use this bank. They did a hard pull on my credit without even discussing whether the loan I was applying for would fit my needs. They are unresponsive and care nothing about client satisfaction.

Not an honest institution at all. Watch your account closely until you find another bank. Go anywhere but here. People are leaving RBFCU. I feel sorry for the people on the phones that have to feed their family by covering for the thieves at the top.

RBFCU was able to resolve the issue I was experiencing , my wallet was stolen, and unfortunately all my credit cards and debit cards were used but RBFCU was able to see me clear of all charges, thank you guys for resolving this issue

BOTTOM LINE: DO NOT TRUST RBFCU with your money. They are not trustworthy and customer service both in the bank and over the phone is just terrible.

I began banking with them in 2012 when I lived in Cibolo, TX and they seemed OK. Loan rates were slightly better than USAA at the time. Banking service in the Scherz/Cibolo location was never a great experience. The tellers were rude and unfriendly in the banking locations and if any assistance other than basic i interactions were needed, courteous customer service was terrible. For that reason, I primarily used the app whenever possible. Security issues with the log in and app caused me some concern (I work in Cybersecurity), so I stopped using them as my primary bank, only keeping a small amount of funds in to keep the account open. At the time no fees were charged. To be honest, I stopped using the app and the account due to the unreliability of their app. The main problem and final straw is that they apparently initiated some insurance fee that customers were required to OPT OUT of. I never received any communication on this and this unsolicited Life insurance scam with Trustage Life Insurance has been draining my account. While they didn't bother to send notification of this fee...they SURE reached out once overdrafts hit after they drained the small amount in this account. I reached out to them and waited on hold for nearly an hour. When I did get a hold of someone, "Stacy" was very terse and clearly not happy about taking the call. I was professional and stated that I needed to close the accounts, but was concerned about the overdraft fees. She did not respond to any of my questions, and immediately began actions to transfer my remaining funds from a savings account out. While this is what I wanted I still had questions…which she refused to address or respond to. Stacy did not review the account, and did not listen to my request to regarding the account closure. I had to go back on hold while this got sorted with her supervisor. When she returned, rather than answer my questions she simply stated that RBFCU did not sign me up...but rather that I directly signed up for the Trustage Life Insurance policy. First, that is an absolutely untruthful statement. Secondly, when I asked who I could contact to terminate this fraudulent policy she became curt and stated that RBFCU doesn't sign people up (not what I asked). I remained kind and professional with her, but repeated that I did not sign up or approve this insurance. I asked again who I could contact. I was told to contract Trustage correctly and given and an incorrect number. After finding Trustage on the web, I have been on hold for hours with no luck. I am closing all accounts as soon as the ACH is complete. This is really a bad banking organization.

Worse Bank ever for over a year I have requested debit card replacement, I still haven't received one. I am unable to use ATM deposit because of the card reader will not read my card. So I have to go inside the bank I had a check for $1,200 from a national realtor company. The teller helping me I could have ready see that she was going to give me some problems she was very sarcastic and snobbish. Yuri at the 1604/Culebra location. My checking account balance was over $1400 so she could have allowed me to have at least $200 from that check but she wanted to place a hold on it for 7 days I stated okay whatever let's just get this done cuz I need to leave she was taking alot of time for such a simple transition, but she was annoyed from me explaining how much trouble I'm having with the debit card and if they could mail it to the bank branch location and I could pick it up there she wanted to charge me $24 of course a fee....lol anyway as I left the bank because she took 10 minutes to have to type up a letter showing that the hold was going to be placed on the check, I noticed that she ended up putting a 16-day hold. ?? I drove back went to the supervisor the supervisor even questioned it then went to her station and asked her three times to change the date she argued and rebutted with her own supervisor ! She placed him in the same position she did me as a customer. Abusing her position & mental dysfunction of her showing me her entitled power to hold my own money. I have to pay my rent and now I have no money for gas or food just because of this one evil individual who wanted to show me that she can make decisions. I should have driven 30 mins & went to the UTSA/Dezavala Location, I am sure this would have been a different experience. I live down the street from 1604/Culebra and I am always treated with disrespect at that branch it's so very sad to have to drive somewhere else for better customer service....So the motto that they are member owned is not true in my case. That one Teller made it extremely difficult for me and I now have to borrow money for food. 😥 Happy New Year praying God turns it around for my good. As soon as check clears I'm closing my account & going elsewhere for my Banking Needs. 🙏

They're more of a headache than the national banks. Save your time. Abysmal customer service and the rules don't make any sense. Everytime I've had an issue, it cannot be resolved due to their system that wouldn't be an issue anywhere else. So what was the last straw? I got laid off and forgot to cancel a reoccurring subscription. Their rules are that if the account stays negative for 45 days, they "charge off" the account (read deactivate it.) No biggie, I thought, as my next job started quickly and I'd be paid before then. Fast forward to Thanksgiving when I should've had my paycheck (minus the overdraft) and nothing is in my account. I also started getting automated messages stating my account was about to be gone for the reasons previously stated. No one is there on Thanksgiving, so I just have to wait for the next day. Black Friday comes and the paycheck (ACH) is shown is shown but isn't factored into my account. Rage ensues. I call customer service and am told that they are rejecting it because my account is suspended. You mean to tell me that funds being sent directly to the account cannot pay off what is owed? Nope. But we'll send it back to my company the same day so I can try to send it to my savings account that for whatever reason, is still active. Frustrating but still manageable, I suppose, but leaves me without desperately needed funds. Fast forward to Monday and the deposit hasn't been kicked back. This time, customer service says it'll take 2-5 business days starting that same day. And of course my company cannot write a check until they've received the funds back. RBFCU isn't the friendly, local credit union you'd expect. I'm warning everyone I know in real life and online to strongly reconsider using another bank.

I made a one time payment to a company I had a lease with using my RBFCU debit card. Normally, my payments come from another account. The company continued to withdraw money from my RBFCU account stating that I had provided that number to them. I used a one time link that I requested to make that payment. That company stored my debit information without my consent. I disputed 6 charges. RBFCU sided with the company stating they would not pursue the claim! Unbelievable! Not only that, but I have my veterans disability as the only deposit to RBFCU. I am completely disabled. That is what they were withdrawing money from. RBFCU still did not help me. I will be opening an account at another bank and closing this account ASAP. If you are a veteran, they could care less if your disability is stolen.

RBFCU let someone get into my account without verifying their credentials. Now they want me to drive 3 hours to bank with 2 forms of ID and meet them in person. Question is why did they let a stranger hack my account? Writing this do customers can beware of RBFCU and find a more secure bank

I really don't understand, what's going on, with RBFCU bank, right now, of this year, of 2023 because, they use to help, and take care of there bank member customers, i even, been paying, on 2 Randolph Brooks Federal Credit Union, Personal Bank Loans, with know late payments, to them, but the workers in the Randolph Brooks Federal Credit Union, Debit Card, Fraud Department, were taking up, for the merchant, that sold me a bad undescribe, Dreams cd, i showed document pictures, to this RBFCU bank, Debit Card, Fraud Claim Dispute Department, showing them, the bad rip tear mark, on the side, of the back insert cover, and, the 2 bad line scratch marks, on the playing side, on the cd disc, that cause, 2 of the songs to skip, on this Dreams cd, on a undescribe merchandise, and, Randolph Brooks Federal Credit Union Debit Card Fraud Department, sent me a letter, in the mail, on September 27th 2023, and they declined my bank claim dispute, that i open up, with them, on September 9th 2023, on a discogs seller, that rip me off!! and sold me a undescribe, used Dreams cd album, that was not as describe, in the correct condition, and, i'm out of money now, on this return shipping cost, because, this seller said, there not going to pay, on the return shipping cost, so i could get back my $71.45 back into my RBFCU bank account, and the discogs seller, told me, by a discogs email message reply, when i sent them, the return shipping cost, tracking number, on September 27th 2023, and the seller, replied back to me, on September 27th and told me, on the first reply discogs message. Thanks Jason. i will let you know, when the package arrives in the mail. well? that never happen, i look up the return tracking number, on the USPS return shipping receipt, and it showed me, that the seller, receive the return package, on September 30th 2023, at 11:31 AM so, i let the seller know, they got there undescribe Dreams cd back, on September 30th 2023, at 11:31 Am, and, i told this discogs seller, i want my $71.45 back now, seller replied back to me, and told me, he's on a business trip, and he want be back, until tomorrow night, making up excuses, and not giving me back, my $71.45 and, after i told this seller, i knew, what he look like, when i found him, on facebook, under there name, "Jordan Stone" and, when i told this guy, i knew, what he look like, and, i told him, if you don't give me back my $71.45 you owe me, i'm going to get the law involve, of you trying to steal my $71.45 money, you owe me, on this shipping return, i had to pay for, out of my pockets, and, it did not take this discogs seller long, to refund me back, my money, so this seller, must had been in trouble, with the law, in the past, but least i finally got my $71.45 back, from this seller, and, it got put back into my RBFCU bank account, and this Randolph Brooks Federal Credit Union, Debit Card, Dispute Claim Department, should had never declined my bank dispute claim, in this seller favor, when, this seller, was in the wrong, not me? and, a discogs seller, selling me a used Dreams cd, that was not as describe, i'm the bank member, with Randolph Brooks Federal Credit Union, not the seller, that lied on the item description, on this used Dreams cd, they sold me, that was know good, that i could not even re-sell, to another buyer, to make a little bit of a profit, on it, i really don't care for Randolph Brooks Federal Credit Union, Debit Card, Fraud Department, they should always take care of there long time bank members, when they run into problems, and get scammed, online, by a seller, they bought a undescribe merchandise from, when they make a false item description merchandise sell, to me on.

This bank is unbelievably unhelpful. Will fee you to death. Bank Representative stated fees are "required" because the FDIC charges the Bank (RBFCU) and then in turn RBFCU is "required" to pass on that fee to the customer(s). First, all credit unions are federally insured by NCUA (National Credit Union Administration), not the FDIC. Second, the FDIC has absolutely no affiliation with the FDIC. This is a laughable matter. Very disappointed!

This is the absolute WORST credit unit you could POSSIBLY go to. They are extremely difficult to work with, around, or help through anything and they make NORMAL day to day payments and experiences excruciating. If you can go to a different place I highly suggest that you do because if I could give a -100 stars I would go even further. I f**king hate this bank.

My wife and I made an appointment on August 18th for the 26th. This was to come down in person to talk about purchasing some land and move our car insurance over to RBFCU. What a joke! I will not blame the branch staff, but this should have been explained before we made the drive. We walk in and have to explain again for the reason of the appointment. Again, not going to blame the branch staff. We did not see anyone; we are placed in a room while they called a department. Again, we had to explain for the 3rd time why we are here. We could have spoken to this department in the comfort of our home. I find this to be unethical. I won't blame the person we spoke to on the phone. They are only doing their job. My time was wasted, no way I was going to give them my business after this. My wife and I looked at each other and just thanked the person who was on the phone along with the branch staff. I made sure to take belongings out of my safety deposit box. They want to do business over a phone or the net, then say so. I found another party to help us buy the land. RBFCU has lost my trust and respect. I could have closed the deal a week ago. They are good for checking, savings, and online banking. Hence the 2 stars.

Another cheap apology from them. We never even had a video conference. Just a phone on speaker. The person did not even have our details. You cannot bring back the time we wasted. RBFCU has lost its way over the years. No moral compass.