I've been a long time member, My father took me into the Oregon City branch to help get me set up with the credit union. Better benefits with a credit union, not as commercialized and they honestly seemed to care about my finances and financial affairs. Through out the past 20 years, Clackamas Federal Credit Union was there for me, helping me purchase a couple of motorcycles, my first car, a 1999 Honda Accord, purchased in 2004, more then likely, will be passed on to my son, as his first car. My next purchase was a 97 jeep cherokee sport, my all in one vehicle, was nice to drive around town, plus my hunting, fishing and camping rig. I sold the jeep, to buy a 2000 Dodge Ram 2500, came home from my second deployment, a farmer had it sitting next to the road, I saw it, I wanted it. The two motorcycles 03 Honda VTX 1800 and 03 Indian Roadmaster Chief, All of these purchases I worked with various loan agents, they helped with letting me know what the blue book was and letting me know, what they would finance. The car lot where I purchased the Honda and Jeep and the dealership of the motorcycles, all said the same thing, next time, let us make money off of you. Kudos to CFCU. Fast forward to when the world turned upside down, still have the honda, is/was my daily driver, and the Dodge is my hunting, fishing, camping rig. The dodge has the long bed, with the crew cab, 4X4, 10 cylinder, with the 5 speed stick and runs on gasoline. I've only put 20,000 miles on the truck in 13 years of driving it. Then the bad news. The Dodge had 3 broken piston, talked about putting a diesel in it, getting a new/used motor or just fixing the pistons with new parts. This all happened around Nov/Dec of 2022. I turned to the bank, whom still I was financing through. December was tough, not having a job, due to some silly illness, that has turned out to be a very interesting subject, but we dare not talk about it. But its affected me and leaving me unemployed. I do have some part time gigs being a sports official and the majority of my funds come from Veterans Benefits. Now comes the past 6 to 8 months, starting about the time, this name change came about. I had no where to turn but to the bank, I didn't want to loose my truck. Putting in some time, thinking and talking, I shared a plan with the loan agent and too my surprise, it was too be. The loan specialist, said there were many factors, but because I was a good client and not many issues up front, my credit score was ok, but I had laid out 3 or 4 things, that I needed to make this happen, the bank agreed, I was able to pay the $7,000 to get my truck done, with refinancing on the truck that keeps seeming to go up in value, the truck and the loan. With affordable payments, auto payments to be taken out the first of the month, and I wanted my other personal loan paid off, a 12-12-12 loan, the loan agent said she'd never seen anything like the sort. Underwriters agreed to my terms. This being January. Febuary payments were to start, I agreed. Knowing that finances were going to be tight, and with the assistance of Clackamas Federal Credit Union, my finance were going to be staying in order, I was thinking of purchasing another car, but refrained due to the high cost of maintenance on the truck and not enough money to put down on a newer car. There were other episodes with other financial institutions that the bank helped me buy out their loans, to come back to a warm and friendly environment with Clackamas Federal CU. I was going to be a happy camper again, but then the cards got reshuffled. My first payment came out the end of April, 3 months after the original starting date, and the payments were twice as much. So when it rains it pours, Insurance was due to renew, and when I went to pay for the insurance, to my surprise, a large sum of money had been taken from my account, with no acknowledgement, along with a high finance rate and the insurance to cover the loan, not the vehicle, the loan, so payments were now 3 and 4 times as much. Not taken out near the first of the month, when I have all my funds, it was later in the month, usually attached with a late fee, and don't get me started on not being able to pay the major life bills, like PGE, Xfinity and AT&T, along with some other personal expenditures, storage unit, and a unexpected vet bill. Now credit cards were maxed out, cable, cell phone getting shut off, and when it was the hottest this last summer, you got it, PGE kills power. All because, lack of funds. Bottomline,lacked professionalism,honesty,integrity and treated me like a child, due to their lack of responsibility to follow guidelines,they are making my life and living hell. Freezing my account, refusing to make a new debt card, making it unable for me to pay, other bills, compounding/creating more problems, seems that Embold has lost it's mojo.
Tony Apilado,
20 plus years banking with this institution,
being held hostage and against my will by this bank. read more
