Kinecta Federal Credit Union Credit Cards

My husband died 06-06-2022. Yesterday, I called Kinecta to request a reduction in my interest rate. My interest rate concern was buried when I was told that due to my husband's death, I needed to provide Kinecta with a death certificate and apply for credit in my name only! I informed the "Escalation Specialist," Mariska, that our credit card acct. was a joint acct. and since my husband's death, I am now responsible for all financial obligated on the acct, and that surely Kinecta would not make me less than whole on an account I have always paid on time since my husband has had vascular dementia since 2014. Moreover, my current credit score is 750. I understand why Kinecta wants me to now have the acct. transferred into my name ONLY since my husband, is now deceased but to freeze my card when my husband and I have different acct. numbers and deny me access to the use of the card under MY acct. number in my opinion, is punitive behavior on Kinecta's behalf! Also, Mariska had a smug and indifferent attitude towards my issue. She was about as compassionate regarding my concerns as a rattle snake! For Kinecta to take away my credit card prior to giving me time to receive one in my name only is a poor way of doing business; especially, since shareholders write Kinecta employees' paychecks! My Thanksgiving Holiday is ruin. Without my credit card I can no longer go away for the Holiday, and I really wanted to get away since this Thanksgiving is the first holiday without my husband! Nonetheless, I do have some comfort after reading the many negative reviews online regarding Kinecta Credit Union. With their current attitude toward their customers, they will soon be out of business which will probably help us all! B.H.

I like Kinecta credit union I haven’t had any problems with them .if I have a question or a problem I can always call them and They will help me get to the bottom of the the situation

I waited 2 and 1/2 hours to speak to someone about transferring a balance. Two people told me it was not possible. I asked why the option exists on the phone ( “press three for balance transfers”). Finally a woman told me to do it on line. When I asked her her name ( to thank her for FINALLY giving me the info I needed), she hung up on me. The ways this three hours has gone BAFFLES me.
Where is courtesy? Kindness? I am thoroughly disgusted.

Great Bank. I love the personalized service which is possible when banking with a credit Union. Money management built on ongoing relationships is a rare & wonderful commodity to have these days. I love this bank!

Horrible to deal with. I have financial difficulties
Made a small payment but still get constant calls from different departments which don’t communicate with each other

First of all the people working at the Xceed FCU in Webster NY are outstanding. They are always very helpful. However, the ATM in the drive thru is a major PITA. It's down at least 30percent of the time. The associates in the credit union say that the ATM is not part of Xceed, they will place a call to have it serviced. Today again I used the ATM and went through the entire process of putting my PIN in selecting the amount of cash removing my card, the machine goes into some process. NO CASH.
Why can't the ATM display a message that it's not functioning, out of cash, or just plain broken. When I called the branch in Webster they need to Walk outside to out a paper sign on the ATM. Come on guys, get a different ATM vendor. Next time I'm taking all my business out of the Xceed FCU. I've had it.