Reviews

I bought a car last year from *********** and got Approved by ****. I got a very high interest rate. I feel that I was taken advantage off. I also regret ever getting the car. They made me sign a contract. The car was $22,000 and was told that was the price but with all interest it went up to $31,000. Also if you get car insurance make sure you keep up with it because they will charge you for the months that you dont have insurance. Estimate $444 per month and they will add it on your current loan balance. So you will be struggling to make your car payment.

Hello, Mr. ****** Thank you for providing candid feedback regarding your loan experience with Raiz Federal Credit Union. I want to address each part of the feedback individually to ensure an appropriate response. The interest rate for the loan was based on your credit score. All the interest rates on auto loans at **** are based primarily on credit score. While we strive to be as competitive as possible, we must also follow the market conditions and price our auto loan interest rates accordingly. The sales price of $22,900 was under the JD Power Retail value of $24,075. The amount financed was $31,499.05 due to sales tax, titling & dealer fees, and optional products added to the loan amount. All the appropriate documentation was collected authorizing the purchase and finance of these products. Please note that some but not all of these products are partially refundable. If you want to cancel these products, you must do so directly with Casa ******, as only they can. Full coverage insurance with a $1,000 maximum deductible is required for the life of the loan. Any lapse in coverage results in the addition of our loan insurance policy. If you have proof of full coverage insurance during the lapse periods, please send it to ********, and we will submit it to see if you qualify for a partial refund of the insurance policy added to your loan. Our goal is for your experience with **** to be great. I would encourage you to visit one of our offices, and perhaps we can find a way to assist and serve you ********** can visit one of our branch locations during the following hours:Monday Friday: 9:30 AM 5:30 PM Saturday: 9:30 AM 12:30 PM Sunday: Closed You can also reach a live representative via phone call at ************ or chat with us at ******* with the following time frames (mountain time): Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:30 PM; Wednesday from 9:30 AM to 5:30 PM; Saturday from 9:30 AM to 12:30 PM; and closed Sundays and Holidays.

It is completely impossible to find anyone to speak to either online or via telephone if youre not in the area. You have limited access to your loan and balances. **** **** ** ******** ******* ********

Hello, Ms. ********* Thank you for taking the time to share your thoughts with us. We're sorry to hear you've had a less-than-satisfactory experience with us. Raiz follows the credit union philosophy of people helping people, including Raiz's key belief in providing a red-carpet experience through any and every member interaction. You can access any of your accounts or loans through online banking or using the Raiz App, which is available 24/7. If you need help getting this or anything else, please dont hesitate to reach out to us. You can reach a live representative via phone call at ************ or chat with us at ******* with the following time frames (mountain time): Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:30 PM; Wednesday from 9:30 AM to 5:30 PM; Saturday from 9:30 AM to 12:30 PM; and closed Sundays and Holidays.

It is impossible to get ahold of either a person online or on the phone, regardless of when you call. Setting up bill pay offers an etransfer option but that is inaccurate as a paper check needs to be created. This paper check ends up getting lost and no one can find it. You cannot make a ***** check deposit if it is over a certain limit. This is a limit that cannot be changed. You cannot then decide to just transfer money from your account to pay a bill if it is over a certain limit. If you decide you're fed up with all this there is a penalty for closing your acct.

Hello, Ms. ****** We strive to provide an innovative and user-friendly approach to ensure our members have the best systems to manage their financial needs. As much as we would love to be able to make specific changes to enhance further the experience of our members, like the ones you mentioned, there are particular guidelines and compliance regulations in place. As an institution, we must abide by the privacy and security of our members and their information, where certain limits and verifications you mentioned need to be met. Raiz follows the credit union philosophy of people helping people, including the key belief that Raiz provides a red-carpet experience through every member interaction. If you have any questions or concerns, please dont hesitate to reach out to us. You can reach a live representative via phone call at ************ or chat with us at ******* with the following time frames (mountain time): Monday, Tuesday, Thursday, and Friday from 9:00 AM to 5:30 PM; Wednesday from 9:30 AM to 5:30 PM; Saturday from 9:30 AM to 12:30 PM; and closed Sundays and Holidays.

Raiz is Horrible, Don't bank here. Since their system upgrade, I've heard excuse after excuse. A particular Friday- I went in to make a withdrawal from my account. After waiting 45 minutes in line at the drive-thru in 109-degree weather I get to the teller and she tells me the "internet" is down. She can take my cash deposit but to get any money back I have to go into the ATM. Go in and guess what the ATM is down too. The ****** lady goes on to tell me that I will have to come back the next day to make any withdrawals to my account. This has been happening over the last week and they don't know when the system will be going down or coming back up for that matter. She says this is why you shouldn't keep all your $$ at the same bank so you have other options. Seriously? Why wouldn't you have someone outside telling people don't wait in line because we can't support them? She said it was too hot. Um ok; not hot for us waiting in our cars. Yesterday I made a mobile deposit and never received any kind of notification. I went in and saw the daily allowance was reduced by the exact amount of deposit I just made. Today I log in to my bank and my deposit is still not reflected. 2 hours after talking to 3 people (2 of which claimed to be managers) I got there was a glitch in the system; you have to wait yet another day for the deposit to be posted as it was just processed today. Why? It was a glitch. What glitch who is responsible? The resolution was to come into a bank and make the physical deposit for it to post quickly. *** **** *** * **** ******  I have 2 car payments with you and you will literally only get that payment from now until I can find a solution to get those accounts out of your bank. Horrible customer service and the lack of ability to find deposits ** * ****! Make sure you call and check on yours every single time!!! DO NOT BANK HERE!

Ms. ******* We apologize for the inconvenience and the wait time you experienced at the time you reached out to us. Our standard is to help our members as fast as possible. We have completed both our online and core conversion. We hope you give us the opportunity to continue to service you and make your experience different if you allow us the opportunity to help you in any possible way. Please reach out to us at ****************** with more details regarding your experience. We genuinely value customer feedback, as it helps us understand areas where we can improve.

Worst customer service I have experienced in my 45 year career. *** **** **** ** ******** ** ****** ***  I have been trying to resolve a problem for several months with zero success. I've had one response to a number of messages sent and that went nowhere. Can't wait to move to a professional organization.

Thank you for taking the time to share your thoughts with us. We're sorry to hear you've had a less-than-satisfactory experience with us. We would love the opportunity to hear about your experience and find the best solution for you. Please reach out to us at ****************** with more details regarding your experience. We truly value customer feedback, as it helps us understand areas where we can improve.

I have been trying to access & deposit funds into my business account & the machine keeps stating that it is not a valid account. I try calling but the wait is 40-50 minutes. I’m very frustrated. They were supposed to change over to the new system but there are many “glitches “ to be ironed out.

Thank you for sharing your feedback with us. We're sorry to hear about the challenges you've encountered while trying to access and deposit funds into your business account. Its understandable that long wait times and system can be frustrating if not working as expected. We appreciate you bringing this to our attention, as customer feedback is essential in identifying areas for improvement. If you could provide more details about your experience, wed be happy to pass your concerns along to the appropriate team. Please reach out to us at ******************* Thank you for your understanding, and we hope to help you resolve this soon!

I needed to call Raiz concerning an account that they were blatantly stealing money from because it was "inactive." Their menu options literally went nowhere until I just spammed options to get a hold signal. Literally on hold for over an hour and still no answer. **** ** **** * ***** ******** *** ***** ***** **** ***** ** ** **** ****** *** ****** **** ** ***** ** **** ** ******** **** **** ****

Mr. *********** We apologize for the inconvenience and wait time you experienced when you contacted us. Our standard is to help our members as fast as possible, providing multiple options to resolve any situation. An account becomes inactive if there are no transactions within a 12-month period, which also generates a fee, per our terms and disclosures. We would love to make this experience different. Please feel free to reach out to me directly.Respectfully,**** *********, Call Center Manager **************

Horrible service. My card keeps getting declined although I have sufficient funds. I have called multiple times and have left multiple messages with card service manger, with no phone call returns. It’s impossible to live a quality of life when your card gets denied everywhere. They need to do better on provider quality service.

Hello, Ms. ******* Thank you for bringing this issue to our attention. I apologize for any inconvenience this may have caused and will investigate the matter further concerning the problems stated. A change in management has taken place, so please feel free to contact me directly to further discuss and update you on any insight we may have to offer. I can be reached at ***************Sincerely, ******* ******, Card Services Manager