Rogue Credit Union

I dislike Rogue Credit Union by Alan (Al) Schaller. Let's start with the automated fraud department. Originally, it was available 8-5 Monday-Friday, where you could speak with an actual person. The Board of Directors decided to outsource the fraud department to Costa Rica or Puerto Rico to save costs, followed by a move to Manila. Apparently, finding cost-effective solutions is a priority for a credit union with 2 billion in assets, hence the transition to a fully automated system. However, the automated fraud department cannot resolve problems effectively. It’s the RCU tellers who actually solve fraud issues. The turnover rate at RCU seems quite high, and I empathize with the employees. Despite my previous statements, the RCU Mission Statement, while it sounds impressive, does not seem to reflect the reality. My continued patronage is solely due to a truck loan. The level of poor decision-making at RCU is astonishing.

Beware of Rogue Credit Union's Auto Loan Practices – Payment Blocked, Car Wrongfully Repossessed

I normally don't leave reviews, but my recent experience with Rogue Credit Union deserves to be shared so others can protect themselves.

I financed a 2025 Lexus GX 550 through Rogue Credit Union (NMLS #776623). In July 2025, without warning, my online and phone payment access was blocked. I was told by a representative that my account was in "repossession status"—even though I was ready, willing, and able to make my payment.

Instead of working with me, Rogue CU accepted a statement from a so-called "local business owner" claiming my vehicle was abandoned. This individual was not a government official, and there was no inspection or verification by any public authority. According to 911 records, the Miami Police Department, and the repossession company Takeover Towing & Recovery, the car was taken solely for alleged non-payment—not for abandonment, lack of maintenance, or relocation as I was told by Rogue CU.

To make matters worse, I received a demand email for the full loan balance the day before the repossession. This left me no realistic chance to resolve the matter before losing my vehicle. Rogue CU then reported me as delinquent to the credit bureaus—despite blocking my payment access.

This ordeal has cost me thousands in rentals, hotels, and transportation, and caused serious credit damage. I have filed complaints with the CFPB, FTC, and other regulators.

If you are considering financing with Rogue Credit Union, please research their practices carefully and keep thorough records of every payment, call, and email. Based on my experience, payment blocking and inconsistent repossession explanations are real risks here.

My name is Tatiana A. Heaton and my husband's name is Milton H. Heaton Jr. Today, 04/01/2025, Milton and I went to Rogue Credit Union in Klamath Falls, OR. We wanted to open checking and savings accounts for both of us and, in the future, we were considering a car loan. We spoke with Deanna Baker, who was extremely unpleasant to us. From the moment we walked into the office, she never said hello to us, nor did she introduce herself. Deanna Baker stated that I could not have an account with Rogue Credit Union for some unknown reason. She never even looked at me, did not acknowledge me as a human being, and while she answered my questions, she stared at the computer. I have worked in healthcare for 14 years. I have paid off my house and my car, and my credit score is above 700. Deanna did open a checking and savings account for my husband. When we left the bank, I took a business card from Deannas work place its how I know what is her name. I told my husband to close both accounts with Rogue Credit Union. I am very upset and do not want to go back there. Very dissatisfied.

During the fall of 2023, I developed a disability that put me out of work for the past year. For about three months, we couldn't pay for the car insurance but could make the loan payment. They then sent me a warning letter stating I would be charged about $2,500 extra on my loan for their "collateral insurance" to be placed on the car. Who are they buying their insurance from? China? My whole existing policy was $1,200 for six months!
After a few months, we were able to secure an insurance policy again; and here it is, nine months later, and they still have not removed the $2,500 they added to my loan balance. There were no damages, accidents, or losses on the vehicle; yet they insist on maintaining this charge.
I am extremely unhappy with Rogue Credit Union. I'll never do business again with this abusive, predatory lender.

Most Awesome People Here, Respectful, Fast Courteous Service Coupled With the Convenience of Banking Online Anytime, Anywhere With the Confidence of Your Neighborhood FDIC Credit Union!

Trying to get alerted whenever I have a deposit or withdrawal from my accounts... I do get them several hours after the fact. Support tells me it is MY responsibility to know about my account. Silly me, I expected a bank to be responsible with my account. If I have to keep track of my account to make sure there isn't any fraud taking place (from outside the bank), then why would I have my money in their bank?

I got a home loan in January of 2024 for one-quarter of the value of the home. We wanted to get away from Wells Fargo and that was the only reason we moved, even paying a 2% higher interest rate to do so. It was a huge mistake! All I wanted was better customer service. I refuse to pay a monthly mortgage interest fee which makes them money, and be treated poorly. We are now shopping for another loan with someone else, only 4 months into the loan. I highly caution against dealing with them; I had a bad feeling about them from the beginning. I should have never gone through with it and should have looked elsewhere.

Great bank account I would have my family get it and I would know that they would love it so much ??????????????????

What they don’t tell you when you sign up is new members don’t get access to mobile banking for the first 6 months. They are inflexible with this. This is terribly inconvenient as I live 30 minutes away. I closed my account

I called and asked on TWO OCCASIONS about the charges to use my ATM card at non-affiliated ATMs and was told that there was no fee. I was then charged. When I disputed, they basically told me that it is in the member's agreement. TRAIN YOUR EMPLOYEES. A horrible bank. Don't use them.

I will recommend to other people looking for a auto loan, great staff ,great environment and always willing to work with you. I will be doing future business with them

These folks at Rouge Credit union will bend over backwards to help you and especially in your time of need! Thank You Rouge Credit Union!!!

Good experience with this bank and loan. They have been very helpful and fair. I would use them again in the future for another car loan if needed. Overall they have been super kind and helpful.

During Covid-19 I notified them that I would be struggling to pay my vehicle payments. They STILL reported me to collections and my credit has dropped even more. This is the ONLY place that has been extremely unhelpful and has dug my hole deeper than it already is. I wouldn’t recommend them.