Nusenda Credit Union
Nusenda Credit Union is FAR WORSE
I was swindled by a local furniture business that does a “bait and switch” promising financing but slipping customers into “leases” with 100% interest and the dispute department at Nusenda Credit Union threw ME under the bus, siding with the thief, even though I did not receive ANY goods or services.
They are letting the FURNITURE SUPERSTORE keep the delivery fee for furniture that was not delivered. ($129.00)
Not only THAT, but there is no purchase agreement.
There is NOTHING is writing because, had I known what their terms would be, I never would have contemplated it.
The only “investigation” Nusenda conducted was calling the con artist.
Their comment to me was that he said it was a legitimate charge, so they’re going to let him keep it.
OF COURSE he said it was “legitimate!” He’s a CON ARTIST!
The people in Nusenda’s in-house dispute department refused to talk to me.
It is their policy that they do not talk to their customers, keeping them at arm’s length, while getting chummy with the merchants.
I have worked in contract law and I know that you can’t enforce a contract if it is disputed within the first 24 hours. (In some cases, you have 3 days.)
The Nusenda “dispute team” is either ignorant of the laws about contracts or they just don’t give a crap.
When I initially came into the bank to dispute the delivery fee, their employee, Mark, suggested I should change my bank account number.
It took forever, as you can imagine and, although I was promised that the merchants whose names I gave him would be paid when their charges hit my bank, NONE OF THEM WERE! Can you imagine? They refused my customary creditors but paid the con artist.
The con artist was the ONLY one they paid!
When I called the bank another day to check on the status of this matter, another employee got really snotty with me and started arguing in favor of the merchant, even though he was completely ignorant of the circumstances and he was not on the dispute team. (As I mentioned, the dispute department will not talk to their customers!)
Anyway, this guy tells me that the dispute department called the merchant, the merchant says it is a legitimate charge, so they’re going to let him keep it!.
When I asked to speak to his supervisor, he laughed at me and snorted into the phone. It went from bad to worse.
All of this happened in the first two months with this bank.
Previous to being bamboozled by the con artist furniture store guy, my dealings with this bank have been similar to wading through concrete.
They are glacially slow. NOTHING happens over the weekend, unlike the big national banks.
You can’t call someone over the weekend if something happens to your debit card.
They handle all their debit cards in-house, so you are limited to talking to them during the week, during limited hours.
I can’t imagine what working people do! Who has time to spend hours on the phone during the shank of the day??
Every weekend, their website is down for maintenance.
I’m going back to the big national bank.
DON’T OPEN AN ACCOUNT HERE! Run! don’t walk.
The big national banks have their issues, but Nusenda is FAR WORSE.
They are a NIGHTMARE!
They say we don’t make mistakes we make discoveries! If I could go back and get on board with a different credit union, I totally would have! I had never heard of Nusenda, and thought they were this harmess little credit union, oh boy was I wrong!
I wonder what kind of training they have there, because their phone bankers are so arrogant. can’t wait to pay off this loan so I can get on my merry way and leave this bank. They are a NIGHTMARE!
Take your money somewhere else. they suck.
i bounced my rent check at this “credit union” and they charged me $35 without covering my check. my landlord came to me with this information and so i went and withdrew cash for the amount of the check and gave it to her. two days later nusenda ran the check again and it bounced with another $35 fee and it threw my account into the negative.
they then charged me $20 every three days for which my account was overdrawn. i went to talk to them and they said “thats just how it is”. they basically will run a check multiple times until it clears.
i was with nm educators for years and how i got sold to nusenda and all of their eff’ed up ways of doing things i dont’ know. take your money somewhere else. they suck.
Takes much longer for payments and credits to post. URGGHHH!
They recently change their online banking. The new way is terrible. Can’t look at history of previous payments. Can’t see list of entities to pay. Can only put in a guess and hope you are right.
They made it cartoon like and requires a new pop-up window. Looking to move my funds. Do not use this bank!!!! I liked the old NMEFCU. Nusenda is really bad. Takes much longer for payments and credits to post. URGGHHH!
There were two things keeping me at Splenda and now one of them is gone.
There were two things keeping me at Splenda and now one of them is gone. The other is a convenient ATM. I guess ill just start driving out of my way now. I was completely dependent on Finance works by Intuit. I have about a 6 year history with this financial tool.
I track all my credit accounts, savings and transactions. I tracked my budget, reimbursments and my outstanding bill payments. So it didnt work for some things but I used it heavily. They have replaced it with some kindergartener thing that the web master wrote.
This is not “member owned” I have never earned any kind of rewards for being a member. I get more rewards by shopping at REI. They did not ask us to vote on the major changes of the name change or the complete redesign of the website.
MAJOR issue being a paypal user!! omg!! I have a paypal savings account connected to my Splenda savings account. Suddenly out of the blue, i got charged a 25 dollar fee when i wanted to transfer money to my paypal. I use paypal for other things like ebay and online shopping HELLO its the internet!
Horrible customer service
Horrible customer service at main branch in Albuquerque, which you have to call for anything important. The online banking that was just upgraded has many glitches and does not work part of the time-big waste of precious time. High fees for anything.
They call themselves a non-profit but their just like any other bank. However, because they are non-profit they probably make more money (scam). I do have to say that the managers at the Taos branch know what they are doing and are excellent.
But you still have to call the main branch in Albuquerque for most problems. I am sure if you tried to get a loan from these people, like refinancing a home it would be a bank nightmare.
Never Again
Getting an auto loan with them seems tempting based on the low interest rate however by the time I was done completing the process nearly a week and a half after submitting the online application I would gladly pay double the interest rate just to avoid having to deal with this bank!
The bright spot in this horror story was Chris Birdwell the only person I came across who was not only friendly but also helpful & responsive (in case nusenda needs an example of proper customer service) everyone else was rude and condescending.
The following are just a few of the many set backs I had in the process:
1) I was told that the PAPERWORK WAS “LOST” and that it “happens often because they have so many branches” . When I inquired about the concern for my personal information being lost they informed me not to worry since it wasn’t my information it was just the sellers, I’m pretty sure the seller would not like his personal information lost either!
2) given different information about what paperwork needed each time i talked to a different representative
3) no correspondence without first having to make a big deal of things, emails not returned, calling the place is a joke you get to a call center that refuses to give you a number to any of the branches and if you push about needing a number to a branch they place you on hold and never return to the phone
4) Stating a complaint is met with “ok is there anything else we can help you with?” as though they completely ignored what you just said and then you are rushed off the phone
This is the WORST credit union/bank
Please think twice before banking with this credit union. The customer service is terrible, and they give you little to no warning before blocking your card due to “fraud”. I am currently driving through Colorado and, after trying to purchase a coffee at Starbucks, was informed that my card is inactivated.
No warning. So I call the fraud alert services, only for them to tell me they have no ability to access my account and that I should wait for tomorrow until I can talk to someone at the bank during “normal business hours”.
This is the WORST credit union/bank that I have ever had the unfortunate pleasure of banking with and I would encourage anyone to search elsewhere before banking with them.
Their mistake cost me money and time and they refuse to make things right.
I set up an automatic bill pay with PNM. I called Nusenda to verify that I gave them the right number since NUSENDA DOES NOT REVEAL YOUR ACCOUNT NUMBER ON YOUR BANK STATEMENT. They said that I did NOT give PNM the right number and the payment would NOT go through.
I then made an instant payment with my debit card to PNM. BANK ERROR 1, because 1 day later it did go through and I was hit with a bounced check fee because PNM had been paid twice due to her MISINFORMING me. BANK ERROR 2- That they notify you by email if you have a bounced check. I never received any emails.
But I was racking up $5.00/day charge. It less than 15 days I had received $80.00 in $5,00 charges, a $28.00 bounced check fee and a letter asking me if I wanted to OBTAIN AN APPROVED LOAN TO COVER THIS NEGATIVE BALANCE. I tried to talk to three different managers through messages that I left and through the call center. Not one of them called me back. I finally went in to the University Office and talked to Jorge Villasensor, who said he was the bank manager, and he listened to the bank errors and said he would refund the $80.00 but not the $28.00 fee and I said,
NO WAY, this system of giving wrong information and then blaming the customer and raking up outrageous fees with even more misinformation is a scam. He immediately reneged on any credit that he said he was going to give me and asked me to leave. Their mistake cost me money and time and they refuse to make things right.
Even though paypal made a mistake on MY account and told me that it was matter to discuss with my bank
Even though paypal made a mistake on MY account and told me that it was matter to discuss with my bank, they pushed me away and told me to contact paypal to fix the mistake. Not only did they do VERY little to resolve the issue (which was being charged $29 in overdraft fees over $0.37!) but they tried to make me open up a line of credit instead.
When I told them I’m not interested, they just tried harder to push it. I’m closing my account as soon as I pay off the overdraft fee, I will never go back to nusenda and I wouldn’t recommend it to anyone. I’ve gotten overdraft fees waived at other banks due to mistakes that weren’t mine easily.
Not to mention the years I’ve been with them, I’ve had trouble with checks getting deposited, ‘service charges (yes, i could have used those few cents to help me buy food), and family members depositing money as well. I was planning on keeping the account although I moved away so my family members could send me money, but now I’m thinking there’s an easier way to do this.
Is anyone else as annoyed by this as I am?
Is anyone else having an issue with using the Bill Pay feature on a Saturday or Sunday? For two weekends in a row we have received Bill Pay errors when attempting to pay a bill using this online feature. The bank tells me that somewhere in the software we have to specify a send date other than a Sat, Sun, or holiday.
We have been using the Bill Pay feature for a few years and I am sure we have randomly paid bills on a weekend, and we have never encountered this problem before. So I am thinking this must be a new addition to Bill Pay and not a favorable one.
Is anyone else as annoyed by this as I am? In the era of technology I cannot believe that a person cannot pay a bill electronically on a weekend without adding this extra unnecessary step.
I'll see you in court, as soon as I call my New York lawyers....
I banked with this institution back when it was NMEFCU. Let me just point out if you don’t have any problems or issues you need to take up with them, then it’s all hunky-dory! If you have problems, like falling behind on loan payments, then LOOK OUT!!
The self-important b!+#Hes in collections will make your life miserable, as they did ours. Back in 08-09 when the financial market crashed and my husband was demoted making 50% of what he had previously, we were barely scraping by like a lot of people.
A major issue with the house occurred and we had problems! NMEFCU held our mortgage and auto loan. I called them for help to try to fix the issue. First person I spoke with was an idiot. He said I could move 2 payments to the back of the loan and then could use the mortgage payments to fix what needed fixing.
Great!! But not true. After buying the materials I needed to fix, he called back 3 weeks later to say, oh no, we can’t do that. We were instantly behind in our mortgage payments. I asked him if they could send us a letter stating that we were behind and foreclosure proceedings were going to start. With that we could tap the 401k and get caught right up. Easy fix…right? Wrong. Had the pleasure of speaking with his boss.
I asked her about the letter, she gave me one of these, PFFFFTTT, hung up on me and proceeded to clean out our accounts. Not once, but twice. They took all our income for the month. When I called to find out what was going on, all I got was, “We can do that. Its our right.”. Really. When the car went late 2 payments because of them, they took that too.
No recourse to get it back, except to pay off the 13k. That wasn’t going to happen. Right then I told them to eat it. I wasn’t going to pay the balance after it sold at auction and I wasn’t going to pay all the nsf fees from our account they cleaned out. Gloves came off!
I hired an attorney. An out of state attorney. No way was I going to hire an albuquerque bozo who they probably had in their back pockets. That upset them. Long story short, they ended up writing off about 14k of late fees and charges.
Everything went back to status quo and I refied ASAP. Of course we opened up bank accounts elsewhere when they showed their true colors. And of course they trashed our credit, which they are still doing today. Filing false reports with the credit agencies. That is a federal offense, boys and girls, think about it.
I have never had any experience like that in my life! Just the attitude of those b’s who could do nothing more than make a bad situation worse. It was like they were experiencing some kind of misplaced, vindictive power trip. Too bad.
You’ve kept it up, now your going to lose again. Oh and whoever has to respond to these posts, don’t bother. Save your pathetic one liners for those who care. I’ll see you in court, as soon as I call my New York lawyers….
He is extremely rude!!!
Just got a bank statement on my 10 year old daughters saving account. They debited her account $5 dollars because she had not put in or taken out and money on the account in a year. Really? A 10 year old girls savings account? You should be ashamed and embarrassed.
Disgusted, I called in and was advised that I should have read the small print. They have never done this before and the account was opened 7 or 8 years ago. Personally it makes me sick to my stomach. I hope your corporate profits are bolstered by the involuntary contributions made by 10 year old girls everywhere.
Worst Bank Ever!
They’re instore customer service is beyond terrible. They say one thing, you come in the next time they say another thing. Worst Bank Ever!
Problems are not resolved well.
I have belonged to this credit union since 1971. Today I am cancelling all accounts and credit cards with Nusenda. The management and attitude has become impossible.
Problems are not resolved well. The web site does not work well -always problems. the management and staff have become arrogant and unhelpful. There are better places to put your money.
I am not made of time, so I am looking for a new bank.
I have had to spend an hour at Nusenda because of their error twice this spring. Once because they wrote down the wrong account number for me and I was unable to set up direct deposit. Second time because PayPal double billed me for something,
and while their fraud prevention caught and rejected the double charge, they still charged me an overdraft fee. And now their mobile deposit is down? I am not made of time, so I am looking for a new bank.