OCCU | Oregon Community Credit Union E 11th Ave, Eugene, Oregon

OCCU | Oregon Community Credit Union Reviews

3.1 stars based on 29 reviews

Featured Comments:

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  Tarhiel T

  5.0

  Thier drive through ATM had been having problems and apparently they had thought they had fixed it but it still didn't work and took my card. After a few minutes of trying to get my card back to no avail one of the employees came out and kindly explained the situation and offered to take me inside and get a new card made for me. She was very sympathetic and attentive throughout the process and made the whole experience that normally would have been irritating both pleasant and quick. They got me in and out in around 20 minutes. Thanks so much for being rock stars, you really made it obvious you care. You guys have some truly golden employees! :) This is why I will always use OCCU!

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  Matt A.

  2.0

  I would not recommend for anyone who cares about their financial well-being. Last week they decided to transfer all their credit card systems. Suddenly they decided to do an audit saw it fit to close my credit card due to no recent purchases. No heads up, no warning and no notice. And just like that, my oldest credit line disappeared. I called, they told me what they did and said they can't fix it. Now, the implication here is that this is going to hurt my credit score severely. It's important to keep healthy lines of credits open to increase your average age of accounts which is a significant factor in your credit score calculation. I don't even want credit, but I have to keep lines open because that's how the system is setup. Without a good credit score and a credit history you basically can't qualify for any good rates when buying a car or a house or even qualify for most financial milestones. I understand banks have the right to close credit cards for any reason, including people not using them for a while. But that's just it, OCCU doesn't market themselves as a bank do they? When I was a young college student they sold themselves as the good guys of banking. They kept pushing it all over the place. "We lookout for you" they said. Funny way to lookout for someone by slamming their credit score to the ground. I trusted you, OCCU. You know how HARD it is to work against the credit score system for years in order to foster good credit. OCCU ya'll aren't looking out for anyone. Any slight communication would have sufficed and you didn't even try before doing something so sudden, unnecessary and destructive to years of progress. It's such a shame that so many young people fall for your marketing lies. The only reason the rating isn't any lower is because some of your employees are good people. They care and they want to help. Too bad a few genuine people can't fix a broken organization. If you're a young college student looking for somewhere to start your credit journey, run. This ain't it. It's not any better than any bank. In fact, it's exactly like any big bank except with worse tech that's constantly behind. Oh and their credit card rewards? Abysmal compared to most cards out there. Not worth getting, not worth using and pointless to try to keep. With regret, No longer a customer.

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  Thomas Emmons

  1.0

  I have been banking with OCCU for decades. They have absolutely gone completely downhill. As I write this review, I'm sitting on hold TRYING to make a credit card payment through telephone call. They have redesigned their cardservices website such that it's literally impossible to make a payment online. This has been the case for several days now. I’ve never worked with a bank that didn’t allow for transactions to be made on their website while they were redesigning their website. I contacted the bank through their help/contact us link and here was their response: "We will be adding more card management functionality over the coming days, such as payments, alerts and many other great features. In the meantime, you can call Cardholder Services to check your balance and make a payment on your OCCU credit card. I have included the phone numbers below." The accounts are also managed by a third-party vender call center that must handle several other banks. It's just a nightmare. The call center folks are like talking to robots, and it can take well over 30 minutes to get through. OCCU MANAGEMENT: If someone from the bank reads this then please consider speaking to your IT dept about devastating it is to prematurely deploy a new platform that does not allow your customers to pay their bills on time. You should have left the other url up until you made sure the new site had the proper functionality. A few other issues I've had with this bank in the last year: -If you card is flagged for fraud they block it as any bank should. The problem here is that they require you to call an 800 number (that third-party call center again) if it’s flagged . This is a major inconvenience when the algorithm mistakenly flags your card and you’re traveling. This has happened to me on 3 different occasions while traveling in the last year! Other banks simply give you an online option to verify a potentially fraudulent charge, usually through a text or an email. OCCU requires you to sit on hold for 20 minutes, talk to a robot, answer a bunch of security questions, get transferred again, wait on hold for another 10-15 min to speak to a “security specialist”, go through another set of security questions and then get someone to finally resolve the issue after going through the last 10-15 transaction. It’s ridiculous. OCCU MANAGEMENT: If someone from the bank reads this then please look into what other banks like Citi or Chase do when a charge gets flagged as being potentially fraudulent. The bank texts AND emails their customer and lets them know about the potentially fraudulent charge. These banks give their customers options to resolve the potentially fraudulent charges without calling an 800 number and reaching a third-party call center. -It’s impossible to get someone local to speak with regarding their "NICE" card. The bank routes you to an operator that is clearly not affiliated with the actual credit union. Again, the third-party call center. Other reviews are correct is their assessment that their customer service is just absolutely awful. It didn’t used to be this bad, but someone decided that farming out everything to a third-party call center was best for the bank. I really hope OCCU reads this and considers making some serious changes.

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