PFFCU - Police and Fire Federal Credit Union Arch St, Philadelphia

Banking with PFFCU has been by far one of the worse decisions I could have made in my entire adult life. Their hours are terrible. If you work during the day, forget it! Depositing money through the ATM, is a mouse trap! I deposited a check in my account through the ATM recently, the check has yet to be cleared and then I received a sketchy notation in my account that there was a hold and they debited MY money with no further explanation, no phone call NO nothing! This is not uncommon for them they take your money out of your account at their leisure and don't give any explanations until you call and after being putting on hold by someone who then has to ask their 'manager' gives you a reason. This bank is the absolute worse! Ive had fraudulent activity in my account in the past due to my wallet being stolen PFFCU did not have my best interest in mind, they did not have my back, they made me fight to get my funds back after completing complaint forms multiple times. If I could give no star I would have. I would never refer anyone to this bank and I will be closing each account I have with them ASAP.

I was in a medically induced coma due to complications from Covid over the holidays. I was in the hospital from Dec 23rd until a week ago. After being released and returning home I learned that my account was over drawn while away, and that PFFCU had not only paid out money that was not in my account and penalized me for it, but also that they close my account, reported me to Chexsystems, and put a mark on my credit lowering my score... While I was in a COMA. I talked to corporate and their response was "well when you pay off the $371 you can open another account with us." Not in a million years would I give them a penny ever again. My advice, watch who you trust with your banking. Promises of helping people are quickly erased and instead replaced with malicious attacks to hinder you even further. Shame on you PFFCU.

This bank is horrible. When you check your online banking one day they show you what your available balance is the next day it is not the same. I've banked with a credit union before and when they shown me what my availabile balance was one day the next day the balance was still the same. Pending Transactions or not that did NOT reflect what was available to me. I'm gonna just start only using this bank for my car insurance payments and that's it. This is ridiculous how one day they tell me my available balance is one thing then the next day it's something completely different.

I reached out to PFFCU about a refinance loan. I spent hours on the phone with Cassandra, sent her all my information and then never heard back. I emailed a supervisor Mr. DiPlacido to let him know I went with WSFS bank and have not heard from him either. Terrible customer service and a terrible way to treat customers. It was a waste of everyone's time.

Been a member for several years. Recently applied for a loan and was denied. However, my credit score is way higher than it was before when I received loans, and I make more money today than I did in the past. The denial reason is indeed buffoonery as I was made of the real reason it was denied. To be denied completely after demonstrating a good payment history with the bank is disheartening. Not to mention I recently paid off a signature loan. I am unsure what the underwriters are looking at but, as a faithful customer seeking another credit union would be more beneficial at this time. No real benefits for those that trust this financial institution with the money. Then to be belittled by the underwriter says a lot about this credit union.

The loan experience I had was awful got approved after I sent all my information in, waited 2 and a half weeks and still didn’t hear back so I had to reach out to them. Re made me send all my information in then declined me.

ATM NIGHTMARE! I went to the ATM in Maple Shade to make a cash deposit before work. The ATM took my money and gave me a slip that said an Error occurred with returning my cash and kept my money. When I contacted PFFCU regarding the transaction, they could only open a complaint and told me that I may get my money back in a couple of days! I spoke to someone in the branch later in the day and was advised that the ATMs work great when they're working. If the branch is open, go inside. Don't take the chance of having your money tied up for days with nothing but a receipt that says they can't return your money due to an error with their machine. ALWAYS GET A RECEIPT WHEN USING THEIR ATMS! It's the only thing I have right now to prove that I tried to make a deposit. For now I'm still waiting to get my money returned......Frustrating...

My experience has been the worst and from reading the reviews of other valued members i see they have had issues as well. My mother past away and the end of June I called to see what I needed to do to get access to the funds in her account. This account has less 5han 4000.00 I was told that I either needed a letter of administration or letter of executor. Keep in mind my mother's account is under three thousand dollars. I schedule appointment with probate Court which was in August and paid for the letter of administration. I go back to the bank and I am told that I need a copy of death certificate and a copy of the funeral bill. Have no idea how much her funeral cost was a factor of her account. I needed to deposit a check in her account to be cashed so I did. I come back to the bank for the second time now I don't need the letter of administration but i had received another check and deposited in her account. I went back to the bank after the check cleared to close the account gave them copy of death certificate and funeral receipt and letter aof administration and was told I had to open up an estate account. Also that I did not need the letter of administration which I paid 281.00 for and if I just would have given them the death certificate and funeral receipts that would have been enough.. Since I gave it to them I need to open up an estate account and they want my social security number. I have to deposit 5 dollars of my money into this account get an ein number that they will fill out for you then they will put the money into the account. This is just the start I can go on.

Do NOT use this credit union. I didn’t have a choice when my dealership at Honda picked this because of the interest rate. However, I’m so annoyed that when I try to make my last payment for my car loan, they won’t take the payoff amount over the phone, electronically. Apparently I have to mail a check for the payoff amount but first call them ahead of time to get the updated payoff or contact my bank to do the transfer. Why? I don’t know! None of this makes sense and it’s just more hurdles for you to go through and more time for them to buy off from your money with interest per day. It’s super frustrating because I am ready to pay off my car loan. It’s very inconvenient. They should be clear about this and also I cannot access my account online. They switched things around and now I’m stuck. This place is shady.

Nicole was my representative and she was absolutely amazing. Very professional, helpful, and respectful of my time. I secured an auto loan and multiple other accounts and was there no more than a half hour. Everything was great from start to finish, thank you Nicole!

Very poor customer service, very little knowledge of bank practices. They will continually send you to different departments who also don’t have answers. They will shuffle and mismanage your money without your permission. After 30 years I’m fed up. Navy federal is much better

Got a car loan through PFFCU. When I moved to the west coast and I sent multiple requests through the DMV for the title to get it changed to the new state. All requests were either ignored or just not received. After weeks of calling them to see if they had gotten the requests, eventually someone on the phone told me they "heard" that they won't/can't change the title to the specific state I moved to. They said someone would give me a call to confirm this but that never happened. Eventually I just decided to payoff the loan in full so I could get my title and get my car registered in my new state. After this, I called multiple times to confirm that the title would be sent to my new address. Sometimes they said it would, other times they said it would not because I payed off the loan "too soon" after I updated my address with them. I guess we'll see where they end up sending the title! Would be good to at least know when the title might get sent but they couldn't even give me a rough timeline of when that would be. I'd love to say that I'm done with them but I'm sure I'll be calling them in the coming weeks/months to figure out where my missing title is. Update: They wrongfully sent my title to the DMV in my new state after I confirmed multiple times that they would be sending it to my home address. After talking to multiple unhelpful representatives, I finally talked to a rep named Marcus and he helped get me what I needed to get my title and even called back to check that my issue had been resolved. Police and Fire need more people like Marcus.

Terrible auto loan experience. Completely incompetent, no communication, automated responses. Threatens penalties even though I’ve provided proof multiple times over several months . Even reached out to the CEO, no response. Seems to be bad from the top down. Run away as fast as you can. Credit union from hell.

This bank is absolutely horrible. I been with them for over 10 years getting my direct deposit sent to this bank and they suspended my overdraft protection for something that had supposedly happened in 2011. The guy that I spoke to in that department was very rude and had a nasty attitude. They told me that I could never get the overdraft protection back even though the $50 was paid back in 2011. I been getting return fees and high overdraft fees for the last year in a half. The only reason why I kept them is because the early direct deposit. This bank hasn't been good in years. Please stay away. Navy Federal credit union is way better and the customer service is the best. I will be switching everything over to navy Federal asap.

The ATM machine is extremely slow and it's so many questions. Safety starts to be a concern. And the deposit option is always down, and this is the main bank.

I was waiting for a down payment from a new tenant. He went inside to get the funds and called me asking for my full name to be issued a cashiers check. He came back out with the check and receipt for payment. I was waiting in the parking lot and asked their banking policies for cashiers check and was told I can walk-in to cash it. The branch told me I must deposit it although it’s just as good as cash and just was issued from the exact same branch less than 6 minutes ago. I refused to deposit ( I do hold a savings account with pffcu as well). The customer service Staff told me that since I had a an old charge off they wouldn’t honor the cashiers check issued to me from them unless I paid the balance of $1100 from a secured credit card. I then went to check cashing service and customer service told me I must contact the person I received it from to have him contact them to verify my identity although my full name was printed on the check and refused to verify it unless I paid the $1100 old bill. I went to another check cashing service and everything was approved immediately without even contacting pffcu. Pffcu is terrible trying to make me pay an old balance because a tenant chose to pay me buy cashiers check instead of cash.. Cashiers check should be able to be cashed without incident especially if it’s from the same branch that issued it less than ten minutes ago. It was under $8000

I bought a car in October and used Police ans Fire Credit Union because the interest rate was slightly lower than my credit union. It has been the absolute worst experience. I am going to Refinance with my current credit union, Freedom Credit Union, even though my rate will be slightly higher. Trying to pay my bill has been a nightmare. I used online banking like I do for every other bill I have. When I noticed that the bill wasn’t paid, but the money came out of my bank account, I tried calling P&FCU. Customer service was awful! They blamed me and said I did not pay my bill. It wasn’t until I showed them my bank statement that they believed me. Then they blamed Covid for the 3 week delay. I asked during that phone call in NOVEMBER to sign me up for automatic payments. They said it would go into effect the next billing cycle. It’s April, and it’s still not happening! Every month I need to call and make a payment over the phone. I need to wait on hold for an average of 20 minutes until finally I am transferred to someone that can take my payment. I cannot believe how absolutely awful this credit union is. How can it be this difficult to pay your bill each month?!? I don’t care how low the interest rates are (and they weren’t significantly lower) there is no interest rate worth this kind of aggravation every single month! Don’t choose this credit union!