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San Diego County Credit Union (SDCCU)

2.0 out of 5 stars
6 Reviews

From Account Holders in the last year

ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL

Application Process

2.5 out of 5 stars

Customer Service

2 out of 5 stars

2 5
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These reviews were written by current and former account holders in the last year.

Nov 29, 2016
poor online experience
Anonymous Account Holder

It is difficult to talk to a real person, and the website is too slow.

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Sep 22, 2016
Poor Customer Service
Anonymous Account Holder

I have been with SDCCU since 1999 . I have a credit card with them that I rarely use. They arbitrarily put my account on electronic billing without notification. That would be fine except they do not send out email statements like every other credit company does. An automatic charge was made to my account without my knowledge for $9.49 . Since I do not use the card, I did not check it online and no notices were given. Two months later, I get a delinquency notice. (In the mail) That I was 2 months behind with my credit card payment of $9.49 & that they had added $26.00 in late fees. Customer service eventually credited back the late fees but it was not a pleasant experience. They now have me back on paper. Hard to believe but hey say they do not have an email notification system. 4 months later I discovered that my credit report showed a "Serious Delinquency" 2 months of missed payments (Over $9.49) When I contacted them they refused to remove it. After reading other reviews on SDCCU it appears that they really don't treat their customers very well. I recommend finding another credit union to All.

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Jun 06, 2016
Their Fraud Prevention is Criminal
Anonymous Account Holder

I've had SDCCU for over 10 years now and used to love it. They recently implemented a new fraud policy where using your debit card outside of your city of residence results in funds being declined. I've been humiliated and stranded without any other form of payment, and a card that only gets declined, despite having plenty of money in my account. After sitting on the phone for hours on end (multiple times), I was told this is their new policy, and to notify the bank whenever I plan on using funds outside of a 10 miles radius from my home. WHAT A JOKE! I can't shop online at stores outside of my city, nor can I head one town over to purchase groceries. A customer service representative suggested I apply for a credit card, because those don't get declined as often. Perfect. Pay y'all interest on a credit card since you won't let me access the money I actually have. This isn't a credit union, it's a money trap. Avoid them at all costs.

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May 19, 2016
SDCCU IS AN EXCELLENT CU...
ScarletCali Account Holder

WHY THE NEGATIVE REVIEWS????

Even with my horredous credit, this credit union IS, despite the negative reviews{that sound as if they were written by the same individual}, the easiest credit union with which I have ever dealt.  I was/am allowed to open accounts online with a a very minimum balance, I have the option to transfer money among accounts online, and if I get "stuck" I can open another screen/window and immediately chat with a rep. 

Inside the SDCCU locations, I am greeted as soon as I enter.  If all tellers are busy, mgmt. will frequently step in to assist.  I have had accounts for several yrs. and in two different counties and have used multpile locations.

I have never had a "long" wait - as described on other reviews for a telephone rep.

Security-wise: I am notifed immediately if there is suspicious activity on any of my accounts.

Would highly recommend.

PS : stop posting anonymously sign your negative review

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May 17, 2016
IT needs a reshift
Anonymous Account Holder

Since there is zero human contact, I rely on the internet, Internet is never up. Always in maintenance or server just down.

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Feb 25, 2016
Freaking nightmare
Anonymous Account Holder

Specific to their mortgage services - they have been an absolute nightmare. I have a modern condo where the HOA has the owners responsible for their own structures, so a standard condo policy (**-6 or "walls-in") is insufficient - you need a policy more similar to a traditional **-3 which covers the entire structure. They are completely incapable of understanding that my policy covers my structure rather than the HOA master policy. As a result, they have applied an unnecessary additional policy to my home, charging me for the unnecessary premium plus interest. Despite me (and my insurance agent!!!) providing all requested paperwork and *excruciating* detail multiple times over almost a 5 month period, they have been completely inept at every turn. Despite saying *repeatedly* that they are correcting the issue, they then stop communicating and nothing happens at all. Oh, and the insurance policies that I have in place (personal and HOA master policy) are the *exact same* policies that were in place when they originally approved my loan!! Pure insanity.

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