Affinity Federal Credit Union

They say credit unions offer the best deals and are all about their members. However, Affinity FCU does not fit this description. Imagine, I have a credit score between 680-690 with no debt. I hold four bank accounts with Affinity. I'm purchasing a car for $16,000 out the door with a 50% down payment (all because my last car was totaled). My previous three car loans were flawless, yet Affinity has denied me. I was approved by the dealer at a high rate, which I accept because I plan to make double payments and clear this modest loan in under two years. Therefore, I'll stop by tomorrow to withdraw $6,000 for my down payment, close my account, and transfer my funds elsewhere. Well done, Affinity Credit Union.

This credit union sucks if you’re poor. They will just take your money from your account whenever they want if you’re behind on a loan payment and they will then fee you to death with insufficient/ uncollected funds. Worst credit union I have ever worked used.

If I could give zero stars, that would be my review of this company. I had a car loan from AFCU, and I was trying to sell the car to pay off my loan. However, the customer service representatives didn't know how to handle the process and ended up transferring me to the collections department. They were going to repossess my car because they said I told them I couldn't make the car payment, which I absolutely never said; they just don't know how to perform their duties. Additionally, the customer service was unprofessional and rude. They never train their staff properly. It's the most unprofessional company I have ever encountered in my life so far. Stay away from this loan lender.

I give zero stars to these people who are impossible to deal with and impossible to contact. They lock your account so you cannot even make a payment, and then you can't call or get in touch with anyone. You literally have to send an email to say that you're on hold to get them to pick up the phone. And then you better hope they pick up the phone because they probably will not. It is impossible to get anything done with these people, and to top it all off, they're taking literally three to $4,000 a year per loan and not even accounting for it in the interest that I'm paying towards my loan. This is the worst place I have ever had to deal with in history.

I went to deposit a check at the New Brunswick branch of Affinity FCU. I was helped by Ernesta. After I finished, I asked her if I could use the bathroom (no longer young and nature calls). She refused to let me use the bathroom. Her robotic response was, "We have had problems in the past...cannot use the bathroom." I tried to talk to her manager, but the manager was not around. A few days later, I called the branch in an attempt to talk to the manager to complain about this incident; however, the automatic message on the phone said, "No one is around to take your call, please leave a message..." This happened several times with no human answer. I am giving up. I am very disappointed with the customer service of Affinity FCU. I have been a member since 1986 (39 years). This is not the way the bank should treat their customers.

Horrible service. Good luck getting anything fixed if it goes wrong. The people working at the locations and on the phones are incredibly incompetent. Going back to a big bank with real customer service.

Never finance a car with these people; they are so rude and careless and sneak things into your loan! The employee I had an encounter with was very inconsiderate and hostile. I don't recommend them.

Never finance a car with them. They will give you every reason not to refinance. They don't value their customers at all. You have been warned.

I made a mistake regarding the coverage needed for my car, and it took them about one month to realize that. When they informed me, I fixed it right away. However, they ended up charging me $2000 for the time it took them to notice the error. I tried talking to them, but apparently, they are not responsible for their mistakes. Yet, you have to be responsible for yours and pay them. Customer service deserves one star; they are not here to help you, just to collect.

If I could give zero stars, I would, due to the bad service. I called them to get help and they blocked my card because I created my security questions and didn't know how to spell the answers regarding them. Then, in trying to unblock my card, I sent emails as they requested. It's been 3 months and I'm still waiting for them to unblock my card.

If they offer affinity, go literally anywhere else. Member care is impossible to reach, and they don’t care about you. The loan hasn't decreased in years, and communication is non-existent. Customer service at the only ones who answer and they are limited in what they can do which is basically take payments.

A. Solid. Credit. Card. With. A. Very. Low. And. Welcomed. Interest. Rate. About. Half. Of. What. My. Other. Cards. Have. 10. /. 10.

Couldn't keep up with when I made payments- even when I had banking proof of payments- My loan hasn't decreased in years and no one can explain why. Terrible service and at home workers have no clue how to help. They say they will pass it on to unknown person and no one returns your calls. This has to be illegal! Going to a lawyer. Will never tell anyone to use them. I went to save interest rate and not one penny has decreased in years. How is that possible? I actually more on my car now than when I bought it. It is a mess!

Easy to work with and seamless refinancing. They helped out when I was searching for a bank to help with a loan. Been great over the years

Had a mortgage with them for 17 years,since I bought my house. In 2016 they refused to take the next scheduled mortgage pymt. Then they claimed I didn't pay them for a 6 mo period! While we were trying to figure this out, since I did pay them and had proof of payments, they sent papers to my house that they were taking me to court to foreclose on me. Long story short, they applied my mortgage payments to the wrong months in the wrong amount and even to the wrong years, which caused current months to appear unpaid on paper. They ran with this. For five whole years I fought them in court to prevent foreclosure. Somehow, the county court sided with them, regardless of the checks showing their endorsements on the backside. They STOLE my house.

Their accounting screwup caused me to lose my entire HOUSE of 17 years. They had me served by a sheriff in the middle of lockdown. They said the foreclosure auction was postponed, yet they sold it anyway and never postponed it. Myself and my family went homeless because if them, during the pandemic. We lived out of hotels. THEY STOLE MY HOUSE even though I paid every month, never behind never late. They got away with it. They know what they did.

My credit won't recover for years, my child went through trauma of attending school from a hotel losing the only home he ever knew. We've suffered physically & mentally because of what they did. We'll never get over this, ever. We lost furniture, stability, credit, security, etc. Because of them. The respa violations were off the charts, they lied in court under oath, they lied to their attorneys, they lied to me. They're thieves who committed a crime. Stay far away if you want to live in your home forever. I'm not leaving anything out, they really did do this to us.