Credit Unions are far better than any big bank.
I will never leave my little CU for another bank again.
Maybe YOUR credit union was good, but the Municipal Credit Union of NY is absolutely atrocious. Their hiring practices simply must specify that potential employees cannot have an IQ exceeding 85 and must come from the Caribbean, from what I've experienced. One recent call connected me (after a 90 minute wait on hold) with a young woman who was unable to answer even the simplest question I asked. Each question necessitated her saying, "Oh, I can't say...I need to ask my supervisor." Each question! I finally told her I wanted to cut out the middleman, as I was tired of having my time wasted while she ran to ask her supervisor every little thing she herself should have known, and to put her supervisor on the phone.Then things proceeded more normally with supervisor knowing the answers to my simple questions. Gee whiz!!
When I moved to MD a few months ago, I needed to get MD plates for my car. I discovered my car title (which I'd had no reason to look at) had a lien against it. The car had been fully paid off for 9 years, and MCU never contacted Albany DMV to inform them of that and get me a clear title, which they should have. I had to use email, snail mail, and phone calls to motivate MCU to issue me a letter attesting to my having fully paid off the car. And, I should add, each and every phone call to MCU involves a minimum of 90 minutes on hold. Getting a letter attesting to my car being paid off took over a month, maybe 2 months, for them to manage. Then I had to send that letter, with a $20 fee, to Albany DMV.
Albany DMV took three tries to send me a clear auto title, the first 2 times sending me, despite me having sent the required fee and letter attesting to my having paid off the car, yet another copy of the title with "LIEN" written at the bottom--and the expiration of my car registration was fast approaching. Finally I got the clear title I should have had years before, 2 days before my plates expired, no thanks to the incompetent MCU and their slow-witted analogs at the Albany DMV.
I raced to the MD DMV and got my new MD plates and drivers license, then sped to the P.O. to mail the NY plates back to Albany, as they had been mailing me all kinds of threats to do so.
The other day, when I contacted MCU to get the last of my money transferred out of that miserable institution into my new MD bank, I was on hold for TWO HOURS and THIRTY EIGHT MINUTES. Not kidding, I looked at my phone to see how long the call had been. Hopefully, by next week, I will have emptied my account and severed all relations with that criminally incompetent organization.
Can you top THIS?