First Tech Federal Credit Union W Bernardo Dr, San Diego, California

First Tech Federal Credit Union Reviews

2.4 stars based on 20 reviews

Featured Comments:

• J

  J W

  5.0

  I've gone here over the years and I've never had a bad experience. Also the employee are very friendly.

• A

  ALEX PELLOT

  1.0

  I tried to set up a new credit card with them and was denied because i was I over qualified. Credit is too good so they didn't want to take the risk of me defaulting on them even though I only have 2% usualization on my total of all my credit cards

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  Response from the owner

  Alex we responded to your concerns via the Better Business Bureau. See response below: Hi Alexander, Thank you for bringing your concerns to our attention and allowing us the opportunity to address them. As a financial institution we are required to be careful with the personal information entrusted to us and therefore cannot share it in a public forum, which includes the Better Business Bureau. As such, for specific information on your application and subsequent decline, we advise you to reach out to our contact center at 1-855-855-8805. However, based on your own statement the reason for decline may very well be because of the large amount of outstanding credit that you currently have. Please note that a credit score by itself is not necessarily an indicator for approval, as other factors are considered. Also, each lending institution has its own guidelines and policies for granting credit, and because First Tech is lending our members deposits when granting loan decisions, our thresholds around credit criteria can vary greatly compared to a large publically traded bank. Regarding the credit pull, if after review of this response you decide that you would like to formally dispute the credit pull we would need you to contact us via phone or in writing of such request. If you do so, we will follow the Federal Credit Reporting Act (FCRA) guidelines in performing our research and responding within the allotted timeframe. Any additional questions about credit reporting and/or credit disputes should be directed to our contact center at the number previously provided. Thank you.

• E

  Esteban Bonilla

  1.0

  I financed a new car from Honda a couple months and First Tech was the credit union I was approved for. So far it’s the worst, the app is terrible and you don’t really get helped by the associates. I’ve gotten charged late fees after I would pay my payment. If you have a choice to pick another credit union and pay $5 more I would suggest you do it.

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  Response from the owner

  Hi Esteban, We appreciate you providing us the opportunity to hear and respond to your concerns regarding your experience. Please know that we take your complaint very seriously. It has been reviewed by the appropriate leadership teams and the error has been corrected. A member of our team left you a message and would like to provide a detailed explanation and ensure all of your concerns and questions are taken care of. Please contact her at your earliest convenience. Thank you.

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