Brian Stith

Review of Virginia Educators Credit Unio...

THEY WILL TAKE YOUR MONEY!!! My mom was used VAC f...

THEY WILL TAKE YOUR MONEY!!! My mom was used VAC for banking for over 20 years. When I left to college, she put me on all of her accounts in case something was to happen to her. This is a sad story because the poor treatment and customer service came directly after the passing of my mom. I currently live in Arizona and my mom lived in Virginia. In October, I received a call from my mother s doctor informing me that mom was terminally ill and didn t have much time left. I returned to VA to stay with mom while she was in hospice care. I stayed with her through the duration of her hospice care which took about two weeks. While mom was in care, I had to take care a lot of her financial obligations because she was no longer able to do for herself. After she passed, I went to the VAC location with her death certificate to close out her accounts (I was already listed on her accounts). I was directed to a lady in upper management. Out of all the companies I visited to take care of my mom s business, every last one of them at least had the decency to say my condolences or sorry for your loss or something to that affect. This first thing this lady mentioned was my mom s past due balances on her credit card and never expressed any type of care or concern for the situation. I knew at that point that my mom trusted the wrong people with her money. The lady told me that for some reason that they could not close one of the three of moms account which was her savings account. My mom had been on scheduled payments of a lot of smaller increments to pay off the card. A few weeks after I left VA and the bank, I received notice that a large lump sum of money had been taken from my mom s account to satisfy my mom s credit card debt with VAC. My mother had secured debts that still needed to be taken care of, but VAC took upon themselves to take money that was sent to now my mother closed checking account, then moved to the saving account and took nearly all of it, depleting my mom s account. VAC could have contacted me, but they didn t even try. They just took the money that was earmarked for my mother. When I saw what had happened, I called the bank. The first rep that I spoke to was the only rep had the decency to say sorry for your loss. The lady I spoke was immediate hostile (probably the same lady from before) and told me that she wouldn t be able to speak to me until she got the VAC lawyers involved. True story! I wanted proof that the bank has authority to take money from my mom s (now my account) without permission. My name was on all of my mom s accounts for close to 10 years and the bank didn t even think to notify me. The lady did tell me that they had the authority to take the money. I was supposed to receive a call back about proof of this authority. I am still waiting on this call or any proof. This bank obviously has poor leadership in place. I would advise anyone to place their money with a bank that secures their money, not takes it. I have read the reviews and find it odd that anyone that says anything positive to say about the VAC. I see that most of the positive reviews that I have read, have no written responses or give very little detail. Take my advice. Use a different method of banking or read the fine print.