Allegacy Federal Credit Union Sustainability Way, Davidson

Good company to do business with, glad that I had my cars loans with them.

So I went in to check on opening up an account. I was the only person there and was told I needed to set up an appointment. Ok here is my number I’m off on these days the upcoming week. The manager said they would call me. They never did. I made a follow up call and was told someone would call me they never did. I made a third call just to let Allegacy know they need to train there managers or retrain them. This isn’t a way to do business for a potential new customer. You definitely helped me make up my mind.

Hidden fees and not very good customer service from the main branch. I was very pleased with the helpful staff in the Charlotte location on Randolph Road but it is hard to reach them directly without going into the branch. I have been a member with Allegacy for over 8 years. If you have no issues, AFCU is a great bank. However, I have had a couple over the years. I lost my debit card and was charged for a replacement card. There is no max on NSF fees. After a large surgery on my credit card bill was drafted, I was charged multiple fees per day and was not notified. I even had money in another Allegacy account. These policies are not like competitor banks such as Wells Fargo. I plan to switch banks due to these experiences.

Horrible, can screw up anything and all the time blames everyone else

We were first introduced to Allegacy by a car dealer in the Winstom Salem area. We needed some financing, and they said they had an excellent choice to offer, a membership with Allegacy. We said ok, since we’ve never had a membership with a credit union, thinking it could come handy one day. Everything went pretty much normal with our car loan. Interest was not that bad. And besides a couple of checks lost from my Online Bill pay service (according to them, since it has never occurred with anybody else), and having to run to a sister credit union branch to make payments personally, it went pretty much smooth. We finished paying off the vehicle. Time came when we decided to build a house, and to save money we used our credit cards promotional balances. We knew it was risky, but we just didn’t have the extra $30K to hire a builder for our project. We tried to use Allegacy for a construction loan. They said no, since one of the requirements was to use a licensed general contractor. Ok. We understood that. After initiating the project, we thought of using them for a debt consolidation loan, since we were getting close the end of the promotional balances on our cards. They said no. Too much debt. And honestly, we knew it was a long shot. Our original goal was, once the home was finished, refinance with cash out, so we go back and pay the credit cards used. But this time we realized how poor customer service Allegacy has to offer. First person who dealt with our application was nice, in the Davidson, NC branch. After 3 days she said she was going to take a leave and the application was going to passed to somebody else. That person rarely communicated. A couple of emails and that was it. A month later we received a letter from Allegacy saying we were denied. We figure, well. maybe since they didn’t see a big deal of probability to get approved they didn’t care that much. After we finished our home we applied for a refinance loan, through their website, as we were told by a representative over the phone. The system assigned our application to a loan officer, Jennifer C. We felt like literally we had to chase her down to get answers about our application, after days of awaiting a response. Never took the initiative to contact us. At that point to had enough of feeling like we were pulling a tooth from this financial institution and we decided to look for other options. Some said they could not help us, after carefully reviewing our case, but their customer service was extremely good. Like Quicken loans for example. And finally, we found one that was able to work our application with success, Fairway Independent Mortgage, their service has been excellent. After this experience, we could say that a membership with Allegacy Credit Union is worthless. Their customer service, besides the reps that try to get you use them, is close to zero. None. Never before have we been given such a terrible customer service by a financial institution.

I had a problem ordering checks , Tiffany from customer service called me back and handled my concerns.Thank you.

Awesome in every way. I’m a long time customer and fan.