Arizona Central Credit Union

Completely unprofessional and incredibly slow customer service. I got to the location right when they opened and submitted a loan application. They asked if I wanted to wait and gave me a wait time of anywhere from 20 minutes to 2 days. Ya, very helpful. I told them to just give me a call as soon as they had a decision as I only have 48 hours to secure the funds. Not only did they never call me. But I had to call them and sit on hold for an hour and a half. Only for them to spend 30 minutes trying to "find" my application. Then to come back and tell me it was denied. This was at 5:15 when all other banks close. They completely neglected to contact me back with the decision leaving me with an entire day wasted. Do not reccomend. Spend your time at literally any of the other credit unions.

Using this credit union has been an absolute horrible experience. I had a fraud issue, I called and was told everything was fine that nothing went through. I specifically asked if I needed a new card as I was leaving on vacation to FL, they said no. Then while on day 1 of our vacation the nightmare began. I got a text fraud alert. I called and my card was completely shut down and not usable. I asked if they could overnight me a card they said no. They only could send to the address on file. So here I am thousands a miles from home with 0 cash and no way to get any. The rep and supervisor offered no solutions, whatsoever. Luckily I was able to think on my feet and venmo my wife money, as it was directly linked to my checking. Or we would have no way to pay for things and our trip would've literally been ruined. We had thousands invested between airfare, resort fees and theme park tickets. This is the last thing we wanted to have to try and work through. Especially since this didn't need to happen as I could of simply came to a branch for a new card before we left if I was properly advised. Now I'm switching banks and I'm out about $15 in venmo instant transfer fees, which isn't much but it is still money lost.

Was on hold for over an hour and a half and all I needed was information regarding my vehicle pay off amount. I waited on hold for an HOUR AND A HALF. No answer. I hung up and called to open a credit card and of course these leeches answered IMMEDIATELY. Only then was I able to get my documents emailed to me. Once my vehicle is paid off, I will never do any business with this bank EVER AGAIN. STAY AWAY.

I was looking for a home mortgage and typically the major banks Chase, Wells, etc. will have higher interest rates than credit unions, including this one. My experience AFTER the house purchase has been terrible. I have had my mortgage for 4.5 years. In this time, I have received 2-3 letters stating I have not paid my mortgage even though I have been on automatic payment since the start. In addition, every year my 1099 tax form is wrong. They leave blanks in the form that is required so I have to complete the property tax section myself. This April 2014 I received a letter stating my house insurance has expired it took me 4 phone calls, 3 emails and 7 weeks from the time I received the letter to get this resolved. --------Update-------------------------- 12/27/18 I tried to pay off my loan balance, but they cannot handle payments over $5k? They required a wire. How does a bank nowadays not equipped to receive $5k via web or over the phone? So I paid $30 to wire it, then they charged me $10 to receive the wire? I was going to ask for $30 to be reimbursement, but this place isn't even worth my time. 9 years later I am finally off the hook of having to deal with this institution. Free at last.

I was with this bank for almost 3 years and within that time there were 5 bank errors, including one ATM deposit that was not credited to my account, that caused fees to be incurred on my account. Sure, they would recognize their error and reverse the fees, but not until I would go into the bank and complain. Their app sucks too. I’m sorry, I gave you plenty of opportunities to retain my business. There is no indication that these errors will stop occurring. No 6th chance for you.

Can never get someone on the phone. Refinanced my auto loan through them last month, all I needed to do was contact someone to set up automatic payments because the app won’t allow me to do it. Called three times in one day and got nothing. Took my business elsewhere

If I could give this bank 0 stars I would. I had a tragedy in the family and some associated unexpected costs. To try to make sure my family got bills covered I opted to utilize a "skip a payment" feature this bank offers once a year. One of the conditions is it must be submitted no later than 10 business days after your due date. So I go to the bank and because a recent payment has not yet posted they say I could not do it for the month of December and I'd have to do it for January. They couldn't say when the payment would post because its my bank that didn't release the funds but rather than saying that the 10 day expires on the 12th my due date is the 29th and if the payment posts on time id be able to come back and process the skip a payment, im told I can't do it at all for that December. So when I attempt to clarify the dates and day that I have until the 13th, a lady DENISE no last name, you'll see why later responds with "if you made this payment on time you wouldn't have this problem" the sheer lack of professionalism floored me, so obviously since this individual is complacent and comfortable enough to say that to a customer, I requested her supervisor. I got a guy who says his name is Mike Tillen, he refused to provide any more info about Denise when I told him I'd like to file a complaint. And it gets better, he says "what is it, im not dealing with "this" so what you want or I'll terminate the call" even though I said I wanted to file a complaint...so I ask the address of his location and he says the 2020 n central road so that way I can come down there so he can't "terminate" me in person. I thought better of it, and who knows how this could escalate further especially considering their customer service and management lacks basic customer service skills. So this is the customer service that can be expected from these two individuals. I will be filing complaints with the BBB if their accredited by them as well as the attorney general. I don't expect nothing to happen but it will be documented and hopefully that's enough that someone else don't have to be treated that way.

10-08-2021 there's just so many things wrong with this Bank you wait for hours upon hours to talk to a representative every single time my husband has called he always has to wait to get a call back and they call whenever they feel like it how absolutely irritating considering he work night shift and would very much appreciate somebody actually answering the phone when he calls second he paid off his car loan through you guys and it's been months and he still has not received his title why he just keep getting the runaround about it and we've talked to everybody including the managers

I would sell my soul before I borrowed money from bank again 0/10 wouldn't recommend

The service here is excellent. I started a new account at this location and my account representative Justin was very professional and set up my account in a timely manner. If you're looking for a bank with excellent customer service this is the place to go to!