Customer ReviewsforVeridian Credit Union

I have never had a good experience with ******. He is rude, does not listen or have any empathy whatsoever. I had a fraud alert in which VCU gave my personal information to someone that should not have access to my account. That is a breach of information and unacceptable. In no way was that number associated with my account so how it was on the credit card as the number to contact when my actual information was on my profile. So there is no way that number should have been associated with the account in any manner. IF it was a domestic situation it could have been not only dangerous but deadly. This situation was unacceptable. I was making an online purchase that I typically purchase from at least 3-5 times a month. I received a fraud alert on my credit card with VCU. I received an email with a notice that another number was also advised of the fraud alert. The number when opening the account was my number, how this number got on to my credit card as being associated should have never happened. Never once was that number connected to this account as it was only open for a year due to a divorce situation. I never consented to having that number associated to my account ever, and that is a breach of personal information when it was sent the fraud alert over the actual phone number associated with the account. Absolutely unacceptable.

Dear *****,Thank you for taking the time to submit your feedback about the recent experience you had with Veridian. We are sorry you did not have a positive experience with the employee you chatted with, and that the fraud alert was sent to a phone number that was not associated with your **** credit card.We have researched this situation and have identified the system error that caused this to happen. We are engaging our internal stakeholders and our core system provider to troubleshoot the issue to help prevent this from happening to other members. We can confirm that your phone number was appropriately updated on 5-17-2024 in the system that sends fraud alerts. We take your personal and account information seriously. On 5-23-2024, a Team Leader in the ********************* reached out to you to ensure your concerns were heard. We are sending you a more detailed formal response to your concerns in the mail. We will continue to investigate the phone number issue you experienced, and we appreciate you bringing this matter to our attention. ******************************* Veridian Credit Union

Stay Away.I've had more issues with Veridian Credit Union than I care to address here, but for starters, my father used them to finance his new truck. He passed away, so we took possession of the loan, and they were absolutely awful to work with. I thought things would improve once we got all the details worked out, but sadly, I was wrong. I somehow signed up for insurance that I don't remember authorizing, and it isn't detailed out on my paper statements, so much to surprise, i've paid over $1500 in insurance that I don't want. Just stay away, and go with a more reputable bank or credit union that actually cares.

Dear *****,Thank you for taking the time to provide your feedback. We are sorry to hear of your disappointment surrounding the optional insurance that is on your auto loan. We take your concerns seriously and we have completed a thorough review of the situation. We have reviewed the signed loan documents and there is a Payment Protection contract signed by you on 05-04-2022. We also reviewed statements and the insurance is noted on the periodic statement. We are sorry you do not remember authorizing the insurance and that you dont feel it was communicated clearly on your loan statements. We have provided this feedback to our internal stakeholders. Your review states you have paid over $1500.00 in insurance on this loan. According to our records, the total amount you have paid in the optional **************************** since the loan originated was $545.09. On 02-29-2024, we mailed you a copy of your loan documents, a complete payment history, and a more detailed explanation of the situation to the address we have on file. If you do not wish to have the Payment Protection on your loan going forward, please contact a representative at ************** at your earliest convenience, and we will help you cancel the coverage. Thank you for providing your feedback.Sincerely,Compliance Department Veridian Credit Union

Majority of banks, CU's, credit card companies will ship...overnight...a replacement card. Not this company. Charged us 50 bucks twice for 2 replacement cards shipped overnight to the SAME address. On vacation, out of State...and *** says...can send overnight but...50 bucks each! No choice but to pay.When we return, it's obvious that *** doesn't need our business and we'll accommodate them..

Hello *****,Thank you for taking the time to provide your feedback. We are sorry to hear of your disappointment in the fee to overnight a replacement credit and debit card to you. According to our records, you were charged $50 to mail the credit and debit card, not $50 each. The cards were overnighted by ***** The amount Veridian pays **** to overnight the cards out of state exceeds the $50 fee we pass on to the member. The fee to expedite a replacement card is listed on our Fee Schedule which can be found online at *********************************************************. We appreciate your feedback about the fee and have passed this along to our internal stakeholders. ******************************* Veridian Credit Union

YOUR MONEY IS NOT SAFE HERE!! My account was garnished for a hospital bill of $644.00 on October the 14th. I called the attorney and they told me they received it and I owed nothing else. However, Veridian has been still withholding all of my funds every time I got paid for a month straight. I called them several times and told them that the attorney said it was done I owed nothing else. The lady from the legal department said Well theyre not your funds until the court says youre done and they dont need anymore money because they have fees so I called the courthouse and they were incredibly nice and told me we typically just go by what the attorney sends in. I once again called the attorney to ask if they had sent in the letter because my bank was withholding my funds and he said I did on November 13th and your bank shouldnt be withholding your money because its a one time garnishment. We would have to go through the **************** to garnish your account again. Someone explained to me how Veridian took another $591.00 from me plus the $644.00 they did for the garnishment and left my account negative, charged me for going negative so they took all of my savings and left me with nothing. This is shady business and Im paying everything off and closing my account after ***** years. They were great until they started expanding on almost every corner like ********** Im going back to a small lowkey credit union where they actually value their people and want to help them. Veridian is an absolute joke now and theyll argue about how theyre right and you dont know what youre talking about.

Dear ********,Thank you for taking the time to provide your feedback, and we are sorry to hear of your disappointment related to a garnishment. We take your concerns seriously and worked with our Legal team to understand the situation. On 11-27-2023, we mailed you a letter with more detailed information than we can share in this online public forum, due to the confidentiality of your information. We recognize how important it is to have access to your funds. Please note, the following process information is specific to your state and garnishment received, as each state and situation may have different requirements. Upon receipt of the garnishment, Veridian places a hold on the funds available to fulfill the garnishment and notifies the court of the amount. Veridian is unable to remit the held funds until we receive an Order to Deliver. The accounts are still available for use. The hold is on the balance of funds available for garnishment at the time the garnishment was received. Veridian received an Order to Deliver on 11-17-2023, and the held funds were sent the same day. We cannot speak to the information provided to you by the attorney or the courts, but can confirm funds were not sent prior to 11-17-2023, and all holds on your account were released as soon as the funds were sent.We have reviewed your account history and can confirm only the garnishment amount was withdrawn and no overdraft or non-sufficient funds fees were charged to you during the period of time the garnishment was in effect.If you have additional questions or concerns once you have received our detailed response in the mail, please feel free to submit them in writing to the address listed below.Veridian Credit Union *************************** PO Box **** ********, ** ***** ******************************* Veridian Credit Union

Do not finance a car or bank at any locations, this credit union is nasty and very greedy, life happens and we missed a couple of payments on my car, plus the car had major problems. Had to file bankruptcy to keep them from from repression. They are a terrible credit union. They emerged from Waterloo IA. I have been with Metro Credit Union since, I have had signature loans, work out loans, and car loans. Metro Credit Union cares about there customers, unlike this silly greedy Credit Union. Veridian Credit Union is awful. Troy L Miller Omaha, NE.

Dear ****,We are sorry to hear of your disappointment with Veridian Credit Union and the financial hardship you experienced. Our records indicate you are represented by an attorney. If you have specific concerns you would like to address, please have your attorney contact Veridian Credit Union. ******************************* Veridian Credit Union

Horrible customer service. Loan payment electronically is incredibly hard and not intuitive. Basically they attempt to funnel you to a representative that charges a $15 fee to process your payment. Very bad vibes from call center reps

Dear Sean, We recently received your feedback about Veridian’s online payment options. We are sorry you felt the process to initiate the payment online was not intuitive and that you were disappointed in the service you received over the phone. We take your concerns seriously and have conducted a thorough review of your situation and phone calls you have had with Veridian. Veridian offers multiple ways to make a loan payment without being charged a fee. A payment can be initiated through our online or mobile banking systems, through our website or mailed in. You may also initiate a loan payment through your financial institution to send to Veridian. A fee is not charged for any of these options. The only time a fee is charged to make a payment is if you call Veridian and an employee takes your information to process the request over the phone. Upon review of the calls you had with Veridian, the employee you spoke to did try to help you set up the loan payment through one of the digital options. We understand you were frustrated with the number of steps it took initiate the online payment and we have passed that feedback to our internal stakeholders. These additional steps are in place to ensure the security and integrity of online payments. On 08-11-2023, a Team Leader in the Member Contact Center spoke to you by phone to ensure your concerns were heard. We understand you were still frustrated with the process. We will be mailing you a more detailed response and will include a copy of the “Auto Loan Payment Options Notice” that was provided to you when your loan was originated. This notice does provide step by step instructions on how to use the online and digital options to make your loan payments. We value your feedback as we are always trying to improve the online and digital experience for our members. Thank you for taking the time to provide your feedback. Sincerely, Compliance Department Veridian Credit Union

Your money is not safe here. Disappointed with my recent experience with Veridian Credit Union. After unauthorized transactions on my account, I've faced challenges in getting my money returned despite taking all recommended actions. I hope no one else has to go through this. I trust that businesses like @VeridianCU will step up and address such issues promptly for their loyal customers

Dear *******,Thank you for taking the time to submit your feedback. We are sorry to hear of your experience dealing with the disputed transactions on your account. The Manager of Fraud and Disputes reviewed your situation and reached out to you directly by phone to communicate the results of her review. If you have further questions or concerns about this matter, the Manager of Fraud and Disputes gave you her direct contact information. We appreciate you bringing this matter to our attention.Sincerely,Compliance Department Veridian Credit Union

Worst bank ever! I had a checking account with them, as did my adult daughter (legal adult). Eventually we moved out of state and began finding a new bank (veridian is not in our new state of residence). after a short time of our accounts sitting dormant and low on funds, some silly charge (like netflix or something) billed to my daughters account (an oversight on her getting everything transferred). Veridian contacted her via mail for her to contact them about a bunce of fees she owed. She contacted them only to learn that a small charge had gone through and Veridian tacked a bunch of charges on immediately, then more in a couple days.... My daughter informed their personnel that she could drive over there on her next payday and clear the balance but they were not impressed. A few days later i logged in to my online banking to find that Veridian had Emptied the balance in My Account (towards her debt) and closed my account without even notifying me. The bank has since Reported the debt on My Credit and my credit score has tanked because of this. Stark Collections is the agency who is handling the Fraudulent claim against me and my credit. Their only response is "Pay your daughters debt and we'll remove it"..........

Dear *****,Thank you for providing your feedback about the situation with your charged off account. We take your concerns seriously and have completed a thorough review of the situation. We can confirm you were a joint owner on the account that was charged off. Section 3(c) of Veridians Membership and Account Agreement states that if a joint account is overdrawn, the owners, jointly and severally, are liable to us for any returned item, overdraft, or unpaid amount and for any related fees and charges, regardless of who initiated or benefited from the transaction. Because you were a joint owner of the account when it was overdrawn and charged off, you are both responsible for repayment.You are correct that when the account was charged off, your accounts were closed and the $6.41 remaining in your accounts was applied to the charged off balance. When an account is charged off, you are no longer allowed to hold accounts with Veridian. Several notices were sent in the mail to alert you of the negative balance and account closing. We will send you a more detailed explanation as well as supporting documents in the mail to further outline what occurred.Sincerely,Compliance Department Veridian Credit Union

Stay away from this corrupt bank!!! They will charge you fees that they should not!!! They have been class actioned for this before and they are still doing the same practices!!! Shame on this bank!

Dear ****,We are sorry to hear of your dissatisfaction with Veridians fees. We have reviewed your checking account activity since 07-01-2023 and all fees were charged in accordance with Veridians Membership and Account Agreement and Fee Schedule. We have responded to you directly by mail with additional details to help explain why the fees were charged.Sincerely,Compliance Department Veridian Credit Union