Quite possibly the most unprofessional, incompetent credit union you could possibly deal with. Went to their site looking for a quote thinking I'd be able to get a good rate on an auto loan since they work closely with IBEW 103, and being a member of said union myself.
Made the mistake of starting to fill out an auto-loan application thinking i was getting a quote. Got to the third page where it asked for the vehicle information.
I had no vehicle, as I was looking for a quote. I did not complete the application and simply closed the window. The next day I get an email from one of their loan processors, Tammy Kinney.
She was looking for more information on the vehicle.
I responded by telling her there was no vehicle, that the application hadn't been completed or submitted. I received no response.
The following day i get an alert from my credit card company that
an inquiry had been made on my credit history. I found out the next day that this woman ran a hard inquiry on an application that hadn't been completed or submitted when I went to a dealership to check out a vehicle which I ended up purchasing. I was unable to negotiate the APR I wanted due to my credit score dropping 10 points as a direct result of Tammy's, and ultimately River Works Credit Union's incompetence.
I emailed her yet again expecting a reply on Monday; did not receive one. Tuesday comes, I email her again. FINALLY on Wednesday she sends a reply. She hadn't reached out to me due to the fact
they had to test the system themselves. You couldn't have told me this on Thursday, Friday, Monday or Tuesday? Not even a courtesy update letting me know they're looking into it? it doesn't take nearly a week to partially fill out an application; it took me less than ten minutes.
Her replies were simply one sentence responses with as little information as possible. No apology, no accountability on their part, no hint of professionalism or customer service (seems to echo
every other review out there, no?) This leads me to believe she spent the past week simply covering up her blunder to avoid taking any responsibility/accountability of her colossal incompetence.
I can't imagine anyone reading this review would think to trust these bumbling idiots with their finances. It is a shame they have attached themselves to IBEW Local 103.
The only recourse I really have here is to leave this review, and to advise as many fellow IBEW 103 members to avoid this unprofessional, incompetent credit union for the next 30 years when I will retire from the local.
EDIT: One more detail to add. I asked why she would run a hard inquiry BEFORE reaching out about information missing from the application. She explained that the inquiries are done automatically, so by the time she sees the application, the credit history has already been pulled.
So basically, if someone has access to your personal information, they could simply file multiple applications via River Works Credit Union's website using said personal info to artificially tank your credit score. My only correspondence with this woman was via email so i have this in writing.
How in the world is this place in business? read more