Tom Slawinski

Review of Envision Credit Union

The absolute worst financial institution I have ev...

The absolute worst financial institution I have ever had the displeasure of working with. Whatever you do, do not get a mortgage or loan with them.

I opened a small mortgage with the lender in 2014 and immediately set it to autopay, in year 2/3 I noticed that I had been double debited on a given month, not billed on another months, the debits were sometimes late and late fees assigned to my auto debited account. I spent hours with the people at Envision and after several calls and massages and speaking with some executive at the credit union I was assured everything was fixed. Flash forward another year, I again was not charged on given months, the interest charged was significantly different from one year to the next and late fees were applied to my auto debit account. I went to a branch in person and was told that it was a problem with the bank that was receiving the debit requests and the worker insinuated that I didn't have the proper funds in the account. I was outraged as the debiting account had always had far more than what was requested. Upon speaking the branch manager I agreed to pay the mortgage in full (with the bank account the employee insinuated didn't have enough money to cover the monthly mortgage) and you would hope that would be the end of the story.

But instead of the remaining escrow being mailed back to me in the form of a check (as all other financial institutions have done) they applied the remaining 655 dollars into their Member Share Savings without my consent. So I attempted to transfer this money to an outside bank account online. But alas it wouldn't let me do this. I called and spoke with someone at Envision and was told I needed to open a checking account with them if I wanted to be able to send escrow money that was, without my consent, sent to the Savings account in the first place. I objected. I was told I could write them a letter. I objected, this was after all not money that was ever intended or used to be put in a savings account in the first place, why am I writing them a letter to request it back if I'm on the phone with them in the first place? After more time on hold I was told I could have them mail the requested amount but that it would put the account below a $250 requirement as I no longer had the Mortgage account and I would need to either pay fees to keep the Member Share account active (so I could use the account for retrieval of past statements or tax information) or they would close the account totally. The Member Share account had 5 dollars in it for the 4 years prior without any concern about a minimum and while the mortgage account had a 0 balance because it was paid off it still existed as a retrievable account under my name in the system. When I explained how ridiculous it was that I had a new required total was and went back to the insanity of the accruing events the lady on the phone cut me off several times telling me that it was their policy to submit extra escrow from a mortgage account into a savings account. After more calmly speaking with the manager who did not inject, she hung up on me.

So there you have it. Despite the 3.3% APR on the mortgage I decided it was better to pay it off in cash than use them. Even when I did so this company was absolutely incapable of completing the transaction without screwing it up and engaging in a long, tedious and aggravating back and forth which, as of this writing as not resulted in my escrow funds being returned to me. To this day I'm not sure if I was charged more interest than I was supposed to because of their auto debiting misadventures. Use literally anyone but them for you financial needs.