Customer ReviewsforSpero Financial

******** ******* ** is one half of the merger that created Spero Financial. I'd been with AFCU since the 70's. Great place all those years. Rarely an issue and if there was, they took care of it! Quickly and without me having to beg. Spero has been problem after problem. They refuse to let you speak to the same person when it concerns the same problem - makes too much sense I guess to deal with someone who already knows what is going on. When I asked to speak with the pervious rep, I was told, "NO!" as if I were a child. I asked a supervisor to pull the audio and listen and she said she would. (this was after I sent an email to the CEO), but I guess she forgot to call me back. That is very common. They forget a lot. Or they get busy. Vacation. All kinds of things prevent them from calling you when they say they will. My most recent problem, which I emailed the CEO (again) about, was a transfer I put in place, that I received a receipt for and have screenshots proving, never took place. He has not responded to my email at all. (He didn't respond the first time either. That time however, he did have someone to call me - the lady who forgot to call me back after she looked into my problem and listened to those videos that "they keep".) Seems that the left hand doesn't know what the right is doing. One rep tells you this - the next tells you that. The issues we have had are too much to attempt to write here as I am only allowed a certain number of characters. It is a lot of trouble to change banks when you've been around a while. My better half says the troubles we have had with this credit union are just about to outnumber the problems with switching to another. We are checking out some other credit unions now. Oh how we wish the merger had never happened and we could go back to ******** ******* ****** ******

Hannah was great trying her best to get a vehicle that i have financed with another institution. But Underwriting process was very unprofessional, taking almostv2 weeks to get an answer back to me, and after all the documents they required, still turned me down when i have been with that branch for many years and have had previous loans with good standing that were paid off with no issues!!!! Dont try to get a loan with this unprofessional loan process!!!! I will be looking to switch ALL of my accounts with this bank in the near future. Was able to easily get my vehicle refinanced easily with another bank.....Very sub par lending criteria at this bank!!!!

I’ve been banking with the company for yrs? And the employees to give you information in writing and verbal? Then turn around and do something different? Need to train the employees better. I’m very disappointed with this Community Bank.

I’ve banked with this institution for 9 years account was always in google standing until recently. They decided to charge off a credit card and close my checking account that I had for 9 years I was never able to get an auto loan after doing great business with the sad institution and another credit union that I wasn’t a member of gave me an auto loan this is bad business and I truly recommend no one do business with them save yourself the trouble and go somewhere else. I wouldn’t do business with them again

Spero Financial are thieves! These people have place every dollar that I paid toward my principal to interest, never use this bank for anything, they will rob you blind.

Website is horrible. At least with REAL financial institutions they are user friendly and up to par with their services and correct them in timely manners: Spero isn't one of them. Funny how my over 800 credit score gets trashed by "clerical" errors by this horrendous scam financial institution. Hopefully soon the SC State AG Henry W***** will bring the justice hammer on these scammers.

Spero closed my son’s saving/checking account and charged it off on my credit for $3.56. Since graduating college and being out of work temporary he doesn’t use this account that much but to charge the account off on his credit report for $3.56 is ridiculous and bad business. Now he has a negative hit on his credit report for this action. When he opened the account he had to make a $25 deposit in the share account they should have just took the $3.75 from the $25 then closed the account. Now he has to try and get this action off my credit report. Ridiculous!

I do not like all the hidden fees that are accessed on my checking account. I possibly need to learn how to manage my money more but ever month I'm in the negative. Just ask the business to explain some more detail to me. PLEASE! I like this credit union..

So...the changeover from SC Telco to Spero happened without notification from SC Telco and 2 sketchy **** letters from a company called Spero Financial who said they were taking over my accounts (letters did not reference a bank or account numbers, nada). I honestly thought I was dealing with a phishing scam. Then the fee's started. (finally I knew the accounts referenced in the letters) I called and happened to get my WF business banker who had just moved over to Spero on the phone. She understood my displeasure of the accruing fees, and knowing our banking history, told me it would be fixed. Not wanting to take anymore chances, I went into the branch office, confirmed the fees had been removed and asked for a check for the balance of my account, and closed it. A month later, I get a bill for $5.00 because I was below the minimum balance. I make inquiry, they confirm that the account is closed, and will look into it. Another month, and another call later, they are still working on it. Then still another, and another, ect. Eventually the statements stop coming and I forget about it. Little do I know that I have been sent to collections (I have my phone setup to only take calls from my contacts, so I never get the collection calls). Months later my credit score went from 850 to 762 (?ish?). Come to find out, they have have reported me to the credit bureau for $5.00, for fees incurred AFTER I closed my account. I cant even verbalise how many hours I have invested being shuffled around on the phone to get to the right person to pay the $5.00 get my credit score cleared. It's been over 2 years now and still, no one knows how to help me!!

This is the worst financial institution I have ever worked with! I had a HELOC through them which I looked online at the balance to pay off after I sold my house. Paid off the balance in full according to the online amount. Turns out that was not the correct amount if I wanted to pay off the loan. So after paying off a lump sum payment of over $50,000 they said it was an addition $200 to pay off the loan. This was sent to me in a letter after they had also reported me to the credit reporting agency because I was past due on the $200. Now my credit score has dropped 70 points and they said they did nothing wrong and won’t reverse the claim against me. We have contacted them many times about this and have gotten no where. I guess paying off your loan early must not be beneficial to them. Worst experience ever.