Community Choice Credit Union

Do not ever go with Community Choice. I bought a boat through them and charged my account without any notification. They now deduct more than twice
the agreed payment ($600 to $1300 per month) price from my bank account with no approval. I have never ever been late on a payment. I went to the their main branch and explained. However because I didn’t have proof of Insurance for 5 months, they will continue to charge me the $1300. This is nothing more than a scam where I can do nothing but change my direct deposit bank account (which I have had for 30 years with no discrepancy), so they can’t automatically deduct more than double the agreed payment. I told them that simply could not afford
That and I even offered to drop the boat off as a volunteered repossession in their parking lot. However “They” said “don’t do that because we don’t have the space”. I might lose my house, but they don’t care.

Highly unprofessional.
I tried to open an account online. I tried for 2 days, but have them the benefit of the doubt. It told me to come into a branch, but did take my money from another bank.
I made an appointment. I was left waiting past my scheduled appointment time. Then he had to get coffee before starting my appointment. During small talk he spoke about a cat his kids killed by playing too rough and another was not let back into the house after she got out due to human error.
Strike ONE All of that aside my initial deposit has yet to reach my account even though it has been over a week. I have spoken to multiple people who have given me different time frames and different reasons
Strike TWO
Finding out all deposits that are not cash WILL be held for the first 30 days. How do I pay rent with money that is being held without me having access to it in any way?!
Strike THREE
I AM CLOSING MY ACCOUNT ASAP! I'm sure glad I didn't deposit my cash on hand or link anything else to them. They seem to be all about direct deposit and hidden fees. The basic checking IS free and when it was suggested I should pay for the next type of checking (I'm not going to bother to learn the name) I was not given any reasons why it would benefit me.
All and all a negative experience

Careful. If you get scammed a couple of times beyond your control... they will say you "lose e-banking privileges," then inform you that you can't use your debit card any longer. Go somewhere else; trust me.

I have been a member for more than 10 years and then that time I’ve been charged for cashing my change. I have been charged to buy money orders and cashiers checks and been thoroughly inconvenienced for the last time. My paychecks are always deposited on Wednesday and because everybody wanted to go home early at community choice credit Union yesterday, I don’t get to have a Thanksgiving meal because they did not deposit my check even though the company deposited my check, so I cannot go pick up my Thanksgiving day meal. I wish I could give you guys a zero because you have quite possibly the worst customer service I’ve ever dealt with in 52+ years on the planet, but that will soon be different. I will no longer be able to do business with this bank masquerading as a credit union, thank you for ruining Thanksgiving. I hope all of you have an awesome day.

Community choice credit Union is absolutely unethical without sympathy. My mother passed away she had a car loan with community choice credit Union. We fully planned on keeping the vehicle and paying it off. But for the simple fact that she knew somebody that worked at the credit union who knew she had passed away initiated the repossession of her car before there was a death certificate proving she had even died or even before there was a late payment on the vehicle. Not a single late payment. They did all this as I was in talks with one of their associates informing them of my intention of keeping the vehicle. The people they had come and repossessed the vehicle laughed at us as they repossessed it. while we were freaking out as to why they would be repossessing it. So now that they have repossessed it they sold it at auction for less than it was even worth causing money to still be owed on the vehicle. I'm currently trying to get access to my mother's accounts that they have completely blocked. What right do they have to block me out of my mother's account? I can't even see if they've drained the account to pay for the difference in the vehicle cost. It wouldn't surprise me if they just took it all to pay the difference when we wanted to keep the vehicle. So if you want that kind of experience go ahead and work with community choice credit Union.

Do not let Jon Cousins be your mortgage consultant. He has horrible communication skills and he doesn’t reply to any emails. I have sent 3 emails in the last 2 weeks and no responses. I made the smart choice to go with a different lender and I can’t be any happier. I hope he doesn’t represent all of CCCU.

My FME credit union merged with Community Choice Credit Union. While their credit for multiple services is nice, that's all that is. You cannot access the VISA company directly to make payments and they force you to use their portal to make payments. Having VISA pull the funds it is a direct payment; with CCCU forcing you to push payments from their portal, my payments are delayed. Causing customer payment to be applied "late" and a great way for them to hold your money and make interest on your money for 3 days. Crooks

Lady Willie Collins were very polite and helpful liked her recommendations on how to help my credit history to help me began to be financially stable and helpful with car loan question .I like the service great institute.

They canceled my debit card without my consent or acknowledgement and cost me a $7 late fee on an auto-pay. I am very unsatisfied w/ the way I was treated, like it was my fault you people canclaed my debit card for no reason, and the inconvenience of me traveling 30 min. (2x) to get situation handled. I didn't even ask you to return me some gas money but I just ask you to cover the late fee of $7, and you are so unprofessional, your supetvisor couldn't do just that w/o all the red tape. I will be definitely be taking my business elsewhere in a few days.

THEY TREATED ME AND MY SON WHO USED TO BANK THERE LIKE A CRIMINAL. The person somehow got my information and used my card everywhere. I said what do you have ATM machines for? What do the stores have cameras for? They didn't care. I read the entire fraud literature saying if I report this within 2 days of finding out I was hacked no more than $50.00 can be taken and if I don't call right away no more than $500.00 can be taken. Obviously they have their own rules. I even got my debit card taken away. They lost NOTHING AND I GET PENALIZED!!! They said it looked fishy and asked if I leave my info out for people to see. After 35 years you think hmm maybe I should start leaving my personal info out so I can get hacked. They said my card was frozen but someone called and they turned it back on. I said so someone takes $10,600 in 10 days you freeze my card, someone calls you and you don't call them back to verify its them. What kind of company is this. But a week before they CALLED ME BACK TO VERIFY IF IT WAS ME WHO USED MY CARD AND GOT A HOT N READY PIZZA. The person who hacked me went to Meijers 6 times in 1 day using only 400.00 each time. Who the hell has time to go to Meijers 6 times in 1 day using only up to 400 each time. THATS FISHY!!! IF I WENT TO MEIJERS I WOULD HO ONCE BECAUSE I KNOW HOW MUCH WAS IN MY ACCOUNT NOT 6 FRICKIN TIMES.
SO A MEMBER IN GOOD STANDING AND A GOLD, SILVER WHATEVER THE COLOR YOU ARE MEANS NOTHING. THEY DONT CARE ABOUT YOU. THEIR MISSION STATEMENT IS FALSE INFORMATION. DO NOT JOIN THIS CREDIT UNION, THEY DONT CARE ABOUT YOU, THEY DONT FOLLOW PROTOCOL TO CALL YOU BACK TO VERIFY YOUR IDENTITY, THEY FIGHT AGAINST YOU, AND THEY DONT ABIDE BY THEIR OWN FRAUD INFORMATION. THEY LOOK FOR THE LOOPHOLE TO SCREW YOU!! AND AT THE END OF THE DAY THEY GO HOME FEELING NO REMOURSE AND YOU END UP BROKE, SCREWED, POSSIBLY LOOSING YOUR HOME, YOUR VEHICLE, EVERYTHING AND GET TREATED LIKE A CRIMINAL. THERE ONLY HERE TO USE YOUR MONEY TO BENEFIT THEIR COMPANY, HAVE NO CREDIBILITY AND SCAM THE 35 YEAR CUSTOMER. GET OUT NOW BEFORE YOUR THEIR NEXT VICTIM OF LIES!!!!!!

I understand that when a bank is changing over owners or how they do things but this bank needs to get there stuff together. I have called multiple times to give them my new address and then get called and harassed about them not having my new address. They said I'm behind in payments but proved to them that I am not with my receipts. I've called back multiple times when they have called me to ask for information and they don't even know why they called me. I can not wait to be done paying off this loan just so i never have to deal with these people again. It is absolutely ridiculous how extremely not together they are and how most of the customer representatives are absolutely clueless as to what they are doing. The attitude I get from everyone I talk to is unbelievable. The hassle is not worth the loan. I will be paying off this loan early, and can not wait to never deal with this bank again. Just don't do it people.

I applied for a vehicle loan a couple weeks ago. Initially, I completed the application online. The loan officer who reviewed my application took 3 days to get back to me. This was unacceptable. I even went out of my way to email and call her but she was not very cooperative or efficient in getting my loan processed. The initial vehicle I wanted to purchase was already sold by the time she processed the loan. I found another car that I wanted to purchase and this time the branch manager processed my loan. She did a WONDERFUL job, and completed everything for me in less than one business day, and it was a Friday! I was so impressed with her. Her name is Kristy. I would recommend Community Choice to everybody just because of her. She fixed my problem the best she could. Thanks Kristy!

We were new to town and wanted to bank with a credit union, something that we have always done. We asked around to some friends and coworkers and a few of them suggested going to Community Choice as they had good experiences with them. They made it very easy for us to transfer our accounts over from our old credit union, all went pretty smooth. We were able to set up our automatic bill pay, online banking and all of the stuff very quickly and easily. We have not had a ton of face to face interaction with the staff since getting everything setup, but they are always very friendly and helpful when we do. I would highly recommend this credit union (or just about any credit union for that matter) versus going to one of the "Big Banks." Service is always better, you almost always get better interest rates, and you aren't helping put a multi-million dollar bonus in the pockets of some guy in a big tall building that you've never met.

We live out of town and not near the credit union, and they made the application process very easy for us – they were very accommodating. Things went so smoothly, that when we decided to open a Health Savings Account, we decided to go through Community Choice again. I can't say enough good things about them! For example, just today, I discovered that my HSA checking was possibly going to be overdrawn due to a check that was written and not accounted for, so I called to transfer some money from the savings to the HSA. It was discovered that a form needed to be signed for the HSA, and they said that we would need to come in to complete the transfer. When I explained that we live out of town, they agreed to email the form so we could sign it and email it back so we wouldn't have to come in, which saved us a 1-1/2 hour trip. I appreciate their flexibility!

I work at an insurance company and am the primary business liaison/salesman. This means I travel 2-4 times a month. The first year I was with my company, I had a lot of little out of pocket expenses just from being on the road. Meals and housing were paid for, but general entertainment and travel once I was on location weren’t. So my boss and I set up a matching account for a debit card at Community Choice Credit Union in Des Moines. The reason we decided to do this is because he appreciated my work and wanted to keep me happy. To date the account has had no problems. The service I have received has been exceptional. We get updated account info each week. The debit card has become my best friend when I travel as I can go out to a movie if I have a night free and split it with my boss. I love the card and can honestly say that this is one of the best banking experiences I have ever had.