Andrews Federal Credit Union Reviews 

Untrustworthy, shady, deserving to be reported to the Fair Trade Commission. Rips off customers by short paying the agreed CD rate. No real customer service, just a call center, which is not allowed to conduct any of business transactions or inquiries. You have to wait for a call back from their accounting department and that call back never comes. The worst credit union I ever encountered. Do not recommend them for any of your financial needs.

Don’t bank here! They have no clue what a bank is or should do. Mistake after mistake. Dinged my credit for no reason - I had fraudulent credit charges which I disputed, and were taken off. I then closed all accounts with them and then they notified the credit reporting agency that there had been a non payment. I haven’t used that account in 5 years!

Everyone, please be careful when dealing with Andrews Federal Credit Union. I have a short sale, actually the only part of the deal that is short is the second trust. In the last few weeks they got bought out and the loan is serviced by someone else now. Total unresponsiveness, promising to get the approval letter to me for weeks. Passing the buck back and forth between both companies. I am so fed up. I think they want to see this home go into foreclosure!!!!!!!!
#andrewsfederalcreditunion #totallyunresponsive #andrewsfederalcredituniondoesntcare
#andrewsferderalcreditunionpassesthebuck

Jim Hayes (CEO) is a poor leader, That reflects down the chain. Mother applied for membership and was denied. Upon appeal they asked to reapply and again denied.

Both times different reasons. Second reason being identity, stating did you apply for membership? Do you know where is Andrews FCU is located asked a Sales director Jim Hayes asked to call us. She asked very ridiculous questions with no logic. I asked you knew all about Chex system and credit report and you still asked to apply again.

Now your reason for declining has changed. She stated we have tools and we do manual due diligence in offering membership (Really? To Asian American too) She was asked where was your due diligence first time when denied? Why did this reason not come up? She had no proper response. She stated we don't want third party to apply for membership (meaning, someone else applied for my membership. Really?). I stated no. I sat with my son and we discussed,

I am a 88 years old disabled widowed lady with anyresum of brain. I also have begin my first stage of dementia. So I can't ask for support?

I asked further you mean we should in America leave elderly to manage everything on their own. Move them to elderly homes and not support at all, let the government take care of them.

Why to have this hassle of serving old citizens. In response she said I did not mean that? So what did you mean by third party? If I don't ask for help how will I manage? How can our senior citizens survive?

It takes large support system to support our seniors including credit unions like you. And here you are coming up with all these excuses? I asked her do you have any proof of any kind that I did not do my application? No proper answer?

Well she says, decision was made by our CEO Mr. Hayes. He asked me to call you and give you information on local credit union in Texas? Then she turned around we gave a recommendation to our CEO that I will be better of being a Texan? How great is this CEO? Thank you but no thank you.

She denied they don't discriminate on colors or ethnicity? Really? My question Mr. CEO is how do you support your old grandparents or great grandparents.

Did you like others decide to leave them in assisted living as someone like yourself discriminated? Or tell us how should be get support being disabled widow senior citizen?

Please enlighten us with your thoughts.

We don't Blame you Mr. Jim Hayes? Is this American way of living an independent life? I don't think so. American are very kind and loving towards elderly? And you run a federal credit union?

I am so glad to deny you rather than you denying me. I don't need you. Please remember one day when you will be 90 years old and someone will says these things to your son or daughter you will understand,

I give you blessings and best. wishes.

Written on behalf & direction from my beloved and respected mother. She and all elderly senior citizens need to be treated with fairness and without discrimination. Life is too short. People are valuable assets.

Update coming soon. Jim Hayes and team reported the son for abuse of his mother with ‘Texas Adult services’. I will upload the report to show you real face of this company.

In today's world one is often compelled to do things out of the ordinary because of prevailing market conditions. Investing in a credit union instead of bank or brokerage offering to get decent interest rates is an example because you need to be a member and historically membership was limited to military or government personnel resident in a specific area. However today the requirements have relaxed considerably but the easier standards have provided a platform for abuse. Companies get away with the abuse because the FED has enabled them by artificially suppressing interest rates. (I simply do not have enough space to fully detail the complaint as i have on the National Credit Union Administration site.)

I could not get beyond the first page of the credit union application although it contained nothing more than my Name, Address and Phone number, etc. Finally I noticed that the machine only accepted street direction notifications with a period' at the end of the street direction, e.g. west 47th street would have to be input as w. 47th street.' It failed to recognize the abbreviated street direction preceding the name without a period. You may be able to input the complete street name but it's just another case that must be tested by trial and error which I didn't care to try. Generally there were no instructions on the form except in a few specific instances. This is because the machine checks the address in real time which suggests that no real person ever looks at anything other than the completed form. Now the 2nd page..

The form asks me to upload a photocopy of the back of my driver's license BUT then WOULDN'T UPLOAD IT! Somewhere along the way in this process I received notification that I was added to the Andrews secure messaging system, remember that because it will come up later. I had to provide a photo copy of my social security card as issued and write a short note, scan it and transmit it to Andrews before they will process my application. If I didn't want them to process this monstrosity why the hell was I bothering to complete it?!

The system verifies each Read' and doesn't let one continue until every choice offered has a check mark next to it which puts an extensive labor burden on the applicant. I now got to the part which asked for my social security number. This was the only page that offered instructions as to the required input form. The number was to be input without any dashes - I entered it both with spaces and then running all the numbers together to no avail. The popup window gave two choices (1) Confirm social security number or (2) confirm by email.

Even though they had a photocopy of my social security number the system would not confirm it so no one is looking at the individual pages. I quit for the day and decided to try the email confirmation option the next day. So I selected the confirm by email option.. But when I tried the system came back with a message telling me that I wasn't on the same computer as yesterday! It quickly becomes obvious why Andrews earned a Better Business Bureau custom review rating of 1.5. on their site.
Be sure and read the BBB report before you borrow money from these people,

Apparently the problems I identified finally made it to the right places. I was appalled that they would wipe my Andrews email account clear of all documentation of the errors I encountered but I had anticipated that so I made copies of my secure messages. Finally I heard from the young woman who set up accounts manually. So why didn't they offer me that option initially? Because it's likely they needed a guinea pig to help develop their convoluted on-line system.. As the Rep talked me through the manual process all I needed to do was enter a dummy ID for the member name and password and I was in.

I checked my Andrews secure email account again on Jan 28, 2020, it was still empty. No messages of any kind Why? Perhaps
to prevent this very performance review.

Be sure to Read Part II.