Customer ReviewsforTruliant Federal Credit Union

Recently opened an account with them. I submitted a mobile check deposit so I could fund the account with money from another Credit Union account I have. They received my money out of my account but will not release the funds to me for 9 days. They never shared that information with me one time; including the 4 previous phone calls I made about my deposit. When I asked about getting my funds, they acknowledged receiving my money, but sent them off to the Federal Reserve and thus can't give me my money. This is the absolutely the worst banking experience I have had in over 40 years of banking. You would think this was 1960 all over again. I will be closing this account as soon as I get my money. Not a reputable business at all.

Thank you for reaching out to share your concerns. We understand your time is valuable, and we sincerely apologize for any inconvenience you may have experienced with our mobile check deposit service. Upon reviewing your account, we show you recently opened your Truliant account. For all new members making their first check deposit, which is not a government or official check, there is a standard 9-day hold period. As your account ages and you consecutively show a positive account/transaction history, you will undoubtedly see shorter hold times. We apologize for any confusion regarding the hold procedures for new memberships and first-time check deposits. To avoid future holds, we recommend signing up for direct deposit. We value your business and appreciate the opportunity to serve you better.Please contact us at your convenience if you have any further questions or concerns.

STAY AWAY FROM THIS INSTITUTION. I have a checking account with them. I have a DEBIT card (MY MONEY!) that I occasionally *attempt* to use. I say *attempt* because the "Fraud Algorithm" for this company is insane.. What does that mean? It means that even though you have YOUR own money, in YOUR personal account, ****************** decides how you can spend your own money, WHEN you can spend your own money and IF you can spend your own money. I went to my dermatologist today for a skin cancer screening... At the end I went to pay and TRULIANT FLAGGED THE TRANSACTION AS FRAUD.. Imagine standing in a room full of people, a line behind you, and your card is declined for a Co-pay. To say it is embarrassing is an understatement. LUCKILY I am smart enough (because of having had this happen in the past with Truliant) that I carry another card from another REAL credit union, that has REAL integrity, and REALLY cares about their customers... After my ********************** card being declilned-I pulled out my First Federal Family Credit Union card---and it worked exactly as it should. No flag for "Potential Fraud". No ** -like Truliant is known for... I'm warning you... if you want to see what it feels like to have someone else control YOUR money... and decide FOR YOU when, or if, or how, you can spend your own money.. Truliant is for you... But if you are NOT a loser, and want to deal with a legitimate company... Choose any other credit union. You have been warned. Truliant-this wanna-be credit union is a JOKE.. I have been with them for over 30 years and this is the ** that they are pulling now because I have a FREE, interest bearing account, and they no longer want customers like me... They only want SUCKERS that they can charge money to every month-whereas I'm making $$ every month off of interest. ***** to be Truliant! And boy do they ****..

Dear ************** We appreciate you contacting us regarding the decline of your transactions. We sincerely apologize for any inconvenience this may have caused, and we understand how frustrating this can be. We are glad you had the opportunity to speak with one of our team members, ******, so we could discuss with you in more detail to better understand why declines were taking place. Protecting our members is of the utmost importance to us. When one lives or travels to an area where fraud is higher, **** DPS helps us monitor activity by calling or notifying our members via text. Not having alerts where you can be reached means we cannot promise charges wont decline in the future. Thank you for sharing your experience and allowing us to address your concerns. We look forward to working with you in the future and apologize for any inconvenience this may have caused you. Sincerely,Truliant Federal Credit Union

I have had a savings account with this ********************************************* for many years. I recently took out a loan with them and before agreeing to the loan I asked if I could receive a payment coupon in the mail every month. I was told absolutely. Well it's been over a year and I still cant get the coupon sent to my home. Every month I have to go online print the account information and then go to the local branch to pay the bill. I have spoken to no less than 6 different people who all assured me it would taken care of and no results. I receive 1-2 ads from them in the mail every month for credit cards and all kinds of things they are trying to sell but I can't get my loan payment?Worst customer service I have ever dealt with! I am going to encourage my company to look for another credit union to do business with!.

Dear ****************,We appreciate you reaching out to us about your recent loan payments. We apologize for any inconvenience you may have experienced with your monthly payments. In December 2020, Truliant changed its billing methods. We provide monthly loan statements via mail or electronic billing through online banking when you opt into electronic statements. We are so sorry that you may not have been provided this information during interactions, and we deem this a training opportunity for our staff.After reviewing your account, we noticed that you have already opted for electronic statements, which enables you to receive your statements and loan billing through online banking. Therefore, we have opted you out of electronic statements, and you will now receive paper statements in the mail. You can still use your online account access to pay each month. We understand that this change may have caused some frustration, and we apologize for that. Your feedback is important to us, and we will use it to improve our services. We appreciate you bringing this matter to our attention and want to assure you that we are here to help. If you have any further queries or concerns, please do not hesitate to get in touch with us.Sincerely,Truliant FCU

Truliant charged my account $1380 for their insurance without reaching out to me about my insurance. I added MY insurance was added to my vehicle when I purchased it. I called and asked to have it removed. They took my insurance and said it would take like two weeks. Three weeks later I called and they have no notes about the rebate and I have to wait another two weeks. The lady that I spoke to the second time was very rude to me and ask what I expected her to do about it. I asked for a reference number to make sure it works this time and she said no. Now I am waiting over month for a rebate for a mistake on their side. I am very very disappoint in Truliant. One star is too much

Dear **************, We apologize for the issues you have experienced with forced place insurance. We understand that this can be frustrating, and we are sorry for any inconvenience this may have caused you. We would also like to apologize for any negative interactions you may have had with our staff. We take these matters seriously and will provide direct feedback to their managers to address the coachable opportunities. After reviewing your account, we have received all the necessary documentation from your insurance company to remove force-placed insurance added. As of March 7th, the rebate is now pending, and you should see this reflected in your account any day now. Our credit union members are our top priority, and we appreciate you bringing this issue to our attention. Thank you for your patience and understanding as we resolve this matter. Sincerely,Truliant FCU

I had an account with them in 2021 and I went through a horrible experience with them, so I decided to close the account. Now, I tried to open the account again 3 years later, because they are closed to my house. I didn't get a call from them, they emailed me back telling me that Chex system practically decided to not open the account. So I checked my credit report which is in excellent status, because I pay on time and never get behind. So I send them an email requesting their decision and advising them that I will file a federal discriminatory complaint.

**ar Mr. ** *****, We appreciate you bringing your concerns to our attention. At Truliant Federal Credit Union, we prioritize establishing solid relationships with our member-owners, and we understand the significance of providing excellent customer service. We apologize for any inconvenience you may have experienced in the past or during your recent membership experience. We do acknowledge that you have not received a response to your initial email. Please note that the initial decision email is not monitored and cannot accept replies, so we apologize for any confusion caused. One of our ************** Supervisors attempted to contact you on February 27th to discuss your concerns; however, they could not connect with you. We would like to hear from you as your feedback is essential in helping us improve our services and prevent similar situations from happening in the future. We invite you to schedule an appointment online at your nearest branch using the following link: ****************************************************************************************************************** We will happily meet, discuss your concerns, and review your application further. Thank you for considering Truliant Federal Credit Union for your banking needs.Best regards, Truliant Federal Credit Union

Been a member for 7yrs. These people will not help with anything. Car loan no. Personal loan no. Debt consolidation loan no. The only positive thing is the overdraft. I will be moving my money. My paycheck as been direct deposit; every weds for the last 7yrs. And can't get a 500 dollar loan. I now understand. That it's easier for them to collect services fees. 28 bucks a pop. Moving to a bank that really cares for its members.

Dear ****************,Thank you for reaching out to us and sharing your concerns. We understand that receiving the news of your declined loan application can be disappointing. We want you to know that our team considers various factors during the approval process to ensure we make the best decision for you. These factors include your credit history, debt-to-income ratio, and credit score.We are here to help you and want to offer a no-cost credit review to our valued member-owners like yourself. This review will allow you to understand your credit report with one of our loan specialists. During the review, we will work together to identify areas needing improvement in your credit history and provide practical suggestions to help you enhance your credit score. To schedule a no-cost credit review, please call us at ************ or schedule an appointment online at your nearest branch. We appreciate your patience and understanding and are committed to supporting you through your financial journey.Best regards Truliant Federal Credit Union

I'm not really sure where to start. I've had a personal account at ********************** for 20 years, a business account for 14. For the first 18 of those years, the service was impeccable. I recommended them to anyone else who owned a small business. During the pandemic I moved my business to an area without a branch but kept my accounts open as many autodrafts were attached to them as well as my payment processor. As of late I've experienced a number of inconsistencies with mobile deposit and many of my transactions are flagged or held for no reasonable explanation. Although inconvenient, often this involves a simple call to rectify. Recently however, 3 consecutive checks were written to me from the same account which has had dozens of previous transactions over the course of the past year. When I called and spoke with a supervisor she said she was unable to help due to the policies of the bank the checks were written from. I asked that the transaction be canceled and I'd use my local bank to sort it out. When she canceled the wrong check after a detailed 45 min conversation, I had to call back and was told by another supervisor that nothing she said was true. That she was uncomfortable clearing the check and the supervisor I was now speaking with quickly cleared it. So...she kept me on the phone for almost 45 min lying over and over. I just feel like a bank should have supervisors who display more integrity than this. Currently I have a $2100 check that has not cleared for no reason when I reached out about it, they can't even find it in their system. I was instructed to re-deposit the check, and when that was attempted, it said I was attempting to deposit a duplicate transaction. Meanwhile my account is overdrawn and I'm being charged for each transaction. Do yourself a favor and choose any other financial institution. This one has gone downhill considerably.

Dear ********************, Thank you for reaching out and letting us address your concerns. We understand your time is valuable, and we apologize for any inconvenience you recently experienced with our mobile check deposit. We have changed our mobile check deposit hold policy to align with other hold policies here at Truliant. All check deposits will have the same systematic review for possible holds. We have reviewed your account and see the mobile check deposits from 1/5/2024. Our apologies that the first representative you spoke with could not manually review the hold for possible release. Coaching was provided for that scenario. We are glad the second representative could review and release those holds based on your account history. Additionally, the $2175 mobile check deposit made on 02/17 was under manual review when you called on 02/20. Sometimes, we have to review the check manually versus depositing it to the account instantaneously. Several reasons, such as an unclear image or insufficient lighting, can cause this. Once the check has been approved, you will receive a separate email stating so, and the funds will then show on hold or available in your account. Given the holiday weekend, the manual review of your check was completed and posted on Tuesday, 02/20. To avoid check hold times in the future, we suggest sending the funds via ACH or using a preferred pay-other-people method such as Zelle. To use Zelle with your Truliant **** debit card, download the Zelle app for Android or iOS, create a profile, and upload your debit card details. You can find more information at the following link: **************************************************************************************************************. We appreciate your business and the opportunity to serve you better. If you have any further questions or concerns, please do not hesitate to contact us.

Called today to place a fraud claim that twice I was told was not there because the person on the phone could not see - I continued to say I have read to you exactly what was said and I see it right here- I was told to call a different number (not here is the number in case we are disconnected but here you need to call this number). The person on the other number said yea I see it but we cannot help you - you will need to close this account and open a new one with us. No offer to help - no this is how to place a claim for your money and they really believe I will continue to have an account with them - not after the no customer service department told me tough solve your own problem. Do not open an account here.

Dear ******************, Thank you for contacting us and expressing your concerns. We are glad to hear that you were able to speak with management regarding this matter. We take fraud-related issues very seriously and appreciate your feedback as it helps us improve our services. We are pleased that we could assist you, and we remain committed to providing you with the best possible experience.Best regards.

I had a savings account with Truliant for many years which I did not use. Then they closed my account and charged me $40 for an Escheatment fee. The remaining money then went to the state and now I have to retrieve what is left from the state. And they will take out an additional 7 %. They say they did this b/c of inactivity and there should be activity every six months. I called my local branch and asked if I reopened an account with them would they credit me what was taken from my account. The answer was NO. I would strongly recommend not to bank with them.

Dear **** ****, Thank you for reaching out to us with your concerns. We understand that going through a third party to collect your assets can be frustrating. By law, if members’ accounts have been dormant for five years, we are to send their money to the state unless the member contacts us before the funds are withdrawn. We notify members by mail before their account is escheated, asking them to contact us by a specific date to avoid the funds from being withdrawn and sent to the state. The Escheatment process takes place in October each year, and a $40.00 fee is charged to the member’s account. After reviewing your accounts, we found that on 10/18/2023, your accounts were escheated as part of the regulatory process for dormant accounts. Before escheatment, we mailed you a letter informing you that this process would occur unless you contacted us before we processed the escheatment to the state. Unfortunately, we did not hear back from you, and we had to cancel the account and give the state the funds from your account. We apologize for the inconvenience this may have caused you. Thank you for allowing us the opportunity to address your concerns. Sincerely, Truliant Federal Credit Union

Destiny on the customer service line was so sweet! She was clear, considerate, and knowledgeable about my questions and requests. Thank you for a wonderful experience Destiny! (11:36am Saturday 1/20/24)

Dear Ms. *******, Thank you for taking the time to share your recent experience with Truliant Federal Credit Union's contact center. I'm glad to hear that you had a positive experience with Destiny and that she was able to provide you with exceptional customer service. Your feedback is greatly appreciated, and we have passed on your comments to Destiny and her management team. We are committed to providing the best possible service to our members, and we look forward to continuing to assist you with your financial needs. Thank you for choosing Truliant Federal Credit Union. Best regards, Truliant Federal Credit Union