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.

Is Nusenda Credit Union a legit?

Nusenda Credit Union is not running a legit business. They are not aggressive towards customer satisfaction and complaint grievance redressal, Hence 28 consumer[s] submitted negative ratings, and only a few left positive feedback.

Where is Nusenda Credit Union located?

Nusenda Credit Union is headquarted at 1801 Lomas NE Albuquerque, NM 87106. You can contact Nusenda Credit Union by dialing (505) 889-7755 or visit their website nusenda.org.

How much monetary loss is incurred by Nusenda Credit Union’s customers?

According to Nusenda Credit Union’s customers, a monetary loss of US $3582 has been reported. The severity of entire incident reports is high.

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28 Reviews on Nusenda Credit Union

  1. Nusenda Credit Union Needs To Be Shut Down

    Everything about this company screams garbage. Worst company I ever, ever, ever worked with. Please someone investigate their unethical credit reporting procedures and them misleading the consumer.

  2. Dispute

    I have been treated unfairly.. I cannt believe im not getting the proper help.. if there is someone that can help me. Please call me @ 505 485 7193 or email me @ [email protected].

  3. This bank cashe d a check from abusiness scam I trusted this bank to know or hold the check if it was suspect. I checked my account to find out first check was returned and my second accout was tapped to cover the bogus check.I went back with another check sure enough they were going to cash that taking money out of the second account I lost alot of money I raised hell and they told me it was my fault sooo in essence I am taking both accounts somewhere else Is this a scam?? or just people who dont know what the hell their doing???

  4. Scammer

    I first became a member after marrying my husband and creating a joint account. I didn’t use it much for many years and our account just sat with a bit of savings and no worries. Then -just like a previous poster
    hits and BofA which we did have an active account with just seemed icky…

    not to mention the rigging of when they posted items on your account and then charging you with insufficient fund fees. I had several issues and just got fed up with their crap! So we shut that account down and turned to our local NMEFCU.

    How nice…..bleh! As it turns out….they too, not only charge $35 bucks for insufficient funds, but then they transfer your money from any other account you may have with them to make up the difference, WITHOUT NOTICE!!! They use to do it in $100. dollar increments, now they do it in smaller amounts…but still- that sucks! Don’t get me wrong, I understand things ought to be paid, but life happens & sometimes you can not pay on time.

  5. After banking with New Mexico Educators Federal Credit Union for over a decade, I closed my account today.

    After banking with New Mexico Educators Federal Credit Union for over a decade, I closed my account today. New Mexico Educators used to be a great credit union.

    In recent years however, they have copied the practices of the big banks in an effort to nickel and dime their customers. If you are looking for a credit union because you want to avoid the greedy tactics of the big banks, look elsewhere.

  6. The Credit Union seems to be run poorly.

    The Credit Union seems to be run poorly. I have banked here for many years and have been disappointed many times. Recently the normal screw ups are accompanied by the rude and complacent attitudes of the tellers. I’ve experienced tellers closing their drive up windows early,

    multiple checks being deposited into OTHER members accounts (Causing me to bounce checks) and the system crashing. Every time I leave I wonder, are the employees being treated poorly?

    Is that the reason for such sub-par service and protocol oversights? Is management failing their teams, or are the tellers failing their management ? Ether way, they are all failing their members.

  7. I simply wanted an account with them and to ruin a pending deal because I thought NMECU was the best.

    I discovered this after leaving and looking through their package at Smith’s grocery. Upon coming back, the manager said their check machine was down and played dumb about providing access to funds for a money order,

    a simple verification of the original deposit from a Chase Bank business account (I’d also handed over $1500 cash). I took him through the steps to do this so I could free up monies for a down payment on the car.

    Of course I got the bad news when I went over to the dealership – but if they’d honored the deal, I would have had to wait 3 days for NMECU to print counter checks. If I did a money order, I needed an exact amount and name of the dealer.

    Instead of a good car loan, my credit is compromised and ‘am renting a car. NMECU checks arrived today, not 3-5 bus. days- the car debacle began the last days of Dec.

    If you don’t enjoy 2-3 hits and a decline on your credit, opening an account you don’t need or your time misused- take your money elsewhere.

    I just spoke with Diana a call center manager who believes everyone on NMECU end did the right thing and I must be the one who misunderstood what I was advised and when. I simply wanted an account with them and to ruin a pending deal because I thought NMECU was the best.

  8. He also said what I'd done online wouldn't process and to just close it.

    They told me my credit score qualified for a loan and I didn’t need to open an account first so I proceeded online. I couldn’t get beyond some basic questions and called back, that’s when a rep.

    took my information. When he did, a security question came up that we couldn’t surpass, so he said I’d have to come in in person- the application wouldn’t go through and my credit would NOT show a ‘hit’ for this. He also said what I’d done online wouldn’t process and to just close it.

    I did all requested and headed to the bank the following day, opened an account. When it came time for the car loan, the bank rep. said she’d do a ‘soft inquiry’ to see if I would be approved- then she discovered the other rep. had done a ‘hard inquiry’ and I had been declined. Declined? Now I had a decline on my record! She also said opening an account was automatically an inquiry, you could qualify for a loan without a NMECU account, but must open one to use it.

    2 ‘hits’ from NMECU flagged the car dealership’s finance co. who I already had an approval from, raised the rates 3.9% and caused them to request 2 years of tax information. I’d been in and out of hospitals in 2012, taken most of the year off- towed my car to the dealer and planned on driving a new (used) car home.

  9. What good is this account now if I can't use the primary feature I need?

    I’m currently in the process of closing my accounts. I’ve been with NMEFCU since 2010 and the headaches have been unreal. I pay contractors using PopMoney twice a month. The past 3 months have been a disaster. They put a hold on my account and didn’t know why!

    Sent me over to PopMoney and they didn’t know why either! PopMoney sent me back to NMEFCU and they said I couldn’t use PopMoney anymore because I have a Business checking account that requires I verify with my FIN. As I have ALWAYS verified this way I didn’t see their point. They tell me I have to verify each attempt for now on when I send money.

    Wait, do you have ANY idea how much longer it would take me to call in and verify EACH payment attempt TWICE a month!!!! The selling point for me was the ability to wire money online to my contractors. What good is this account now if I can’t use the primary feature I need?

  10. WORST CUSTOMER SERVICE!

    WORST CUSTOMER SERVICE! Overdraft fees are higher than OTHER OTHER BANK. I was even charged over draft fee with more than enough money in account to cover charge and the teller argued and told me I was wrong. $249.15 in account – $31.95 charge from pet hospital – $217.20 balance in account.

    I was charged $35 overdraft fee. They told me I was wrong (bank statement clearly shows this), and didn’t reverse the charge.
    ANY BANK IS BETTER THAN THIS ONE!! They charged me $35 for overdraft. Crazy!

  11. NMEFCU likes to nickle and dime its members like a big bank.

    NMEFCU likes to nickle and dime its members like a big bank. It’s as if a big bank wants to sabotage the community banking system. They charge fees for unavailable funds when the funds are clearly available in your account, and refuse to refund them….this must be how they earn the “Member Rewards” that members with high balances get each year.

    They talk about seconds when they talk longer to fulfill your transfer of funds from savings to checking than when pending, not even actual, charges come in. What a scam! Credit Unions are supposed to be there to help build the community, not milk them for whatever scam charges they think they can get away with!

  12. They should have your back instead of stabbing you in the back.

    I cannot close my account fast enough. They employ dirty tricks to squeeze their members out of hard earned dollars with the most arbitrary practices that one would expect from carnival hustlers but not a seemingly respectable credit union.

    Their newest dirty trick is to place a hold on payroll checks (out of the blue with no warning) then rack up the fees when bills and other expenses normally paid on or around payday get returned.

    I woke up 4 days after my payroll deposit to find my account nearly $400 over drawn–$100 in fees. I immediately called and the next thing you know my account has the proper positive balance minus the fees they refused to return. To be overdrawn implies one spent more than one had in their account. Nusenda has found a way to overdraw your account when you actually have money go into your account.

    I went from overdrawn to a positive balance -minus the fees that was their target to begin with by simply calling and asking why all of a sudden is a deposit they get every month now a problem. Proof that the funds were always in my account. They just decided to simply not pay the debits to my creditors and utility companies.

    Worse is that the people who you pay are now told you have insuffient funds which can trigger a change in interest rates, late fees, and loss of online payment privileges. That makes this shady practice all the more insidious. The notion that your trusted credit union would be willing to damage you in ways that you cannot easily fix or explain, just to make money for nothing, is deplorable. It should be the other way around. They should have your back instead of stabbing you in the back.

  13. He did not understand why I wouldn't just take his word for it and not his coworkers.

    I spoke with two customer service agents today about the same problem. First rep was nice but wrong. Second rep was more accurate but unbelievable rude. Joey was extremely defensive when I questioned his information. He did not understand why I wouldn’t just take his word for it and not his coworkers.

Reviews: 28
Reported Loss : 3582 $
Severity : High
Reported by : Anonymous
Views :