Columbia Community Cu

★★★☆☆
  • 5403 E Mill Plain Blvd

    Vancouver, WA 98661

    Map & Directions
  • 360-891-4000

About Columbia Community Cu

Categories

Finance

Finance
More choices in Vancouver:
Resultset_next

Peoples Community Credit Union

7403 NE Hazel Dell Ave Vancouver, WA

Resultset_next

Columbia Credit Union

3501 SE 192nd Ave Vancouver, WA

3.0 2
Hi! Sign in to let us know how Columbia Community Cu was?
Write a Review
.

I have belonged to several credit unions over the year, Columbia CU is worse than any big bank I have ever been with. I join credit unions because they normally a user friendly place. I was banking at Washington Mutual when the were taken over by Chase.

I went in search of a new CU, and there is a Columbia CU is close to my home so we joined. They ran a credit check and I had to prove that a bill listed had already been paid. I am disabled and my husband lost his job in 2008 and has only been working part time since , so our credit scores weren't the best, but not the worst either. It didn't take long to figure out that they work like a cut throat bank, not a CU. I forgot to deposit a check and went to the pet store and immediately to the CU. I was hit with an overdraft, yes I know I should have gone to the CU first, but I was used to WAMU where as long as the deposit went in on the same day there were no overdrafts. They did a one time courtesy reversal, you only get one not matter how long you have been with them. I went and took out some money to pay off a payday loan and take another out as we had an emergency, and in the 40 minutes that it took, according to my debit and deposit receipts, they had over drafted me with 2 checks, during business hours. One time I was checking my account and realized I was $5 short, and it took my husband 10 minutes to get there and they ran the check in that 10 minutes, too bad. They run debits and checks like big banks do now, to get the most out of you in charges, largest first to get the most they can.

They put a hold on money when there is a pending ACH which lowers your available balance, then say you end up having something that goes through and overdrafts your account, once it is overdrafted they put through the pending ACH they release the hold and then re-debit your account for the amount that had been on hold, and they ding you for a second overdraft, even though they had already held the amount out of your account. The first overdraft would have cleared if not for the hold for the ACH, but they consider the money held not available. Rather than just changing the held to a debit, they release the hold, which puts the money back into your account which is then gets sucked up by the overdraft fee, then re-debit you account for the same amount as the hold so they can charge you twice. I have never seen a financial institution do that before.

I am in my 50s and we all make mistakes, which normally wouldn't be a problem, but we went from earning $80,000 to $30,000 a year, and it has been tight with no room for error.
They weren't all my errors, I seem to have bad luck with companies taking money for things I have cancelled way before the due date, the last being several magazine subscriptions. I had to chase them down to get the charges reversed then I had to go after the 5 overdraft charges they cost me I though they were supposed to be a penalty when the customer was in the wrong, it used to be the would deduct the charges if you provided proof that it wasn't your fault, but now you have to get the money from the company that caused the problem, which takes time, all the while I don't have access to the money that is mine. This means I have to call and make arrangements to pay my bills that would have been covered before the overdraft charges.

I will never allow anyone to auto debit my account again, Clark Howard is right, NEVER DO IT! I will never sign up for a trial computer program etc that makes me put in information so that can charge me if it isn't canceled by the end of the trial, etc.

I have found a CU that is customer friendly, and they were appalled that Columbia CU would do these things, I made sure what their policies were before joining, and their opinion on how they handle certain circumstances, before telling them how Columbia handled the same thing. The bonus is that they also have branches in Portland.

1
★☆☆☆☆

I have belonged to several credit unions over the year, Columbia CU is worse than any big bank I have ever been with. I join credit unions because they normally a user friendly place. I was banking at Washington Mutual when the were taken over by Chase.

I went in search of a new CU, and there is a Columbia CU is close to my home so we joined. They ran a credit check and I had to prove that a bill listed had already been paid. I am disabled and my husband lost his job in 2008 and has only been working part time since , so our credit scores weren't the best, but not the worst either. It didn't take long to figure out that they work like a cut throat bank, not a CU. I forgot to deposit a check and went to the pet store and immediately to the CU. I was hit with an overdraft, yes I know I should have gone to the CU first, but I was used to WAMU where as long as the deposit went in on the same day there were no overdrafts. They did a one time courtesy reversal, you only get one not matter how long you have been with them. I went and took out some money to pay off a payday loan and take another out as we had an emergency, and in the 40 minutes that it took, according to my debit and deposit receipts, they had over drafted me with 2 checks, during business hours. One time I was checking my account and realized I was $5 short, and it took my husband 10 minutes to get there and they ran the check in that 10 minutes, too bad. They run debits and checks like big banks do now, to get the most out of you in charges, largest first to get the most they can.

They put a hold on money when there is a pending ACH which lowers your available balance, then say you end up having something that goes through and overdrafts your account, once it is overdrafted they put through the pending ACH they release the hold and then re-debit your account for the amount that had been on hold, and they ding you for a second overdraft, even though they had already held the amount out of your account. The first overdraft would have cleared if not for the hold for the ACH, but they consider the money held not available. Rather than just changing the held to a debit, they release the hold, which puts the money back into your account which is then gets sucked up by the overdraft fee, then re-debit you account for the same amount as the hold so they can charge you twice. I have never seen a financial institution do that before.

I am in my 50s and we all make mistakes, which normally wouldn't be a problem, but we went from earning $80,000 to $30,000 a year, and it has been tight with no room for error.
They weren't all my errors, I seem to have bad luck with companies taking money for things I have cancelled way before the due date, the last being several magazine subscriptions. I had to chase them down to get the charges reversed then I had to go after the 5 overdraft charges they cost me I though they were supposed to be a penalty when the customer was in the wrong, it used to be the would deduct the charges if you provided proof that it wasn't your fault, but now you have to get the money from the company that caused the problem, which takes time, all the while I don't have access to the money that is mine. This means I have to call and make arrangements to pay my bills that would have been covered before the overdraft charges.

I will never allow anyone to auto debit my account again, Clark Howard is right, NEVER DO IT! I will never sign up for a trial computer program etc that makes me put in information so that can charge me if it isn't canceled by the end of the trial, etc.

I have found a CU that is customer friendly, and they were appalled that Columbia CU would do these things, I made sure what their policies were before joining, and their opinion on how they handle certain circumstances, before telling them how Columbia handled the same thing. The bonus is that they also have branches in Portland.

Was this review helpful to you?
Ratings_icons Ratings_icons

.

Everyone needs to visit CCU and find out for themselves how great they are. You are treated great here every visit. They are not huge like some of the other banks in the area. I feel good knowing this is something just for this area.

5
★★★★★

Everyone needs to visit CCU and find out for themselves how great they are. You are treated great here every visit. They are not huge like some of the other banks in the area. I feel good knowing this is something just for this area.

Was this review helpful to you?
Ratings_icons Ratings_icons

 

Wait, you're the expert.

If you've been to or used Columbia Community Cu, leave a review.

It's easy, only takes a couple of minutes and you'll help thousands make an informed decision.



Write a Review