Find out if you are eligible to join Neighborhood Credit Union.
I was rate shopping for a new vehicle and a credit card and applied for an account at Postal Credit Union, which, unbeknownst to me, was bought out by Neighborhood Credit Union. I also applied at Texell Credit Union, where I was approved. I never obtained a vehicle from Neighborhood Credit Union, but the manager in the loan department, Crystal, referenced my application with Neighborhood. I was unaware that my refinance loan had been denied because the loan officer, Tiana, never responded.
I declined the extended warranty and gap insurance. Even though they claimed it wasn't the reason for the denial, it appears that way. I have no other reason to be denied, as I have good credit and income. It doesn't make sense to me. I mentioned I would reach out to my father, who works for a law firm, and she threatened to hang up on me. She said she would send it back to underwriting and questioned why I didn't live in their city and who referred me. It seems that the moment you upload your license and they see you're African American, they scrutinize your background further.
I will be reporting this behavior to the FCRA, CFPB, the Texas Attorney General, and the Better Business Bureau. This kind of discriminatory practice must stop. I hope the individuals involved are held accountable, including the person they are protecting in the underwriting department.
I've purchased every car I've owned from NCU. Their banking loans seem to be the ones that work for me. Member for 36 years. THANKS
THEY ARE THERE WHEN I NEED THEM.. I WISH THEY WOULD KEEP UP MY PAYMENT HISTORY WITH CREDITORS WHO SAY THEY DON'T. TRANSUNION. PLEASE
Best financial institution I have ever used. I recommend them highly. customer service is excellent. Locations are really good too!
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They currently have two options, both unsecured, the Cash Rewards and the Visa Platinum. You can learn more about them here.
Neighborhood Credit Union could be a good option especially for those living in North Texas, as it has many branches in the region. It offers a wide range of products, including various checking and savings accounts, to cater to different members' needs.
However, it's important to note that banking with Neighborhood Credit Union requires meeting the eligibility criteria. Additionally, Neighborhood Credit Union might not be a better fit for those who prioritize other aspects, such as...
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