EVERYONE AT PELICAN STATE CREDIT UNION THAT I DEALT WITH WAS UNMOTIVATED, UNKNOWLEDGEABLE, either DISHONEST, OR JUST DIDN'T DO WHAT THEY SAID, either LACKADAISICAL, SLOW, OR DIDN'T CARE ABOUT CUSTOMER SERVICE. EXCEPT ONE HEATHER ROLFSEN, they need to Promote her, have her go to Branches to train employees on Customer Service, Pride in your work, how to follow through on what you tell customer, honesty, integrity, that their word and their names mean something and once they damage them they'll never undo damage, and they damage Pelican State's name at same time.
To the many people I dealt with Pelican State is just a place to work if you couldn't find anything else and McDonalds wasn't hiring. Heather was the ONLY one that seamed to care about how what she and other employees did affected how Pelican State was perceived, she wad the ONLY LIGHT in the blackness that is Pelican State Credit Union. From first day everything went wrong. I opened checking and savings when I got auto loan, and received credit card.
I told them I didn't want checks or debit card for checking because all of brain injuries all of my bills were paid same way for 9yrs and I didn't want to change but I did need debit card for savings account. They asked if I wanted personal pin number and I gave them one because of brain injuries I keep them the same. I was supposed to get cards in two weeks at most, 4-5 weeks later I still hadn't received my cards, I didn't want them floating out there so after several emails with no response I called and was apologized to they had forgot to submit them. When I did get them they didn't have my personal pin numbers and I was told if I wanted to change them it would be 2-3 weeks before I could use cards.
So I kept their numbers. I started using debit card and after 6-7 days a purchase was partially declined which I knew shouldn't of happened. I called to find out what was going on and was told my debit card was for checking account not savings as I requested, and now my checking account was in negative balance. They said that they would take care of it, and it would of been a simple task at very beginning.
I reminded them that I had Extended Overdraft Privilege Coverage, and Overdraft Protection so even if they didn't mess up and give me debit card to wrong account it shouldn't of been overdrawn. At that point the first week and only a few transactions they could of simply put money back in my checking that was there, and take money from my savings which had more than enough to cover what was spent, then send a new card for savings and cancel card for checking but nothing was done. Numerous times I called and was told they would take care of it. Eventually I had to switch my bills to being paid out of Pelican State account which they knew that because of my disabilities from my brain injuries I never wanted to do, but because of everything going on I had to.
Despite constantly being told everything would be taken care of nothing was done they kept my checking account negative even though it never should of been. So at beginning of month I would make deposits to pay bills but they would subtract negative amount that shouldn't of been there so the amounts I deposited would never cover my bills like they should of. Three times I stopped direct deposit of my check because I didn't want more money to disappear. I was charged overdraft fees by Pelican, Insufficient Fund fees by others when account never was overdrawn if they would do what they said.
After a couple months of making deposits with just a little over amount of bills I made deposit $280-$300 over my bills. Two weeks later when I checked balance my account was negative $118. To go along with everything else I had received a Personal loan to pay several items off. I had received Pre-approval letters from numerous other Financial Institutions for $5K-$10K.
I brought them to Pelican to see if they would approve one for $5K? The lady said she had me approved for $5K and asked me to bring in the bills that I wanted paid. Even though that's not how personal loans are done anywhere else I had no problem with checks coming directly from them. Part of the bills I wanted to pay was for my oldest son's college.
She claimed paperwork didn't have son's name on it even though it did. I even had paperwork sent directly from college with his name but I finally gave up submitting things told them to forget it and just took a $3K loan. Then one of the Companies that they were supposed to payoff never received their check. After complaining several times, and the Company calling them numerous times they supposedly issued another payoff check which again was never received.
So after about 4-5 months of them not receiving their check they put two months of late payment marks against my credit then they turned me into collections. I had financed 8-10 items over the last 7-8 years never late on payment always paid off early but thanks to Pelican State I have marks against my credit. Luckily that's when Heather Rolfsen got involved and was able to get me a check issued to bring to company and pay them. This meant that Pelican State and was making money on interest off notes I was paying on full amount of loan but they never paid part of loan out.
Heather was still trying to get my account straightened out and she told me what she had gotten done which brought checking account to positive amount, (an amount that I still didn't agree on but it was step in right direction) my savings account had money in it. She was going on vacation for week and I said that I didn't agree on amount but we could review when she got back. I asked her if checking account was safe to make deposit in so I could pay my vehicle loan and other loan payments I had with them early and was told yes. I made deposit for $650 over phone from other account but imagine my shock and horror on Tuesday when I went online to pay my notes early all of money in my savings account was gone and my checking account was negative because Pelican State had never done what she said and they said my deposit was sent back because of Insufficient Funds which I knew was wrong and when I spoke to other bank they said they'd NEVER received anything from Pelican State.
Heather tried but they didn't follow through with what she told them to do, so all of money in my savings and the money that I put in to pay notes in advance. BEWARE YOU CAN'T AFFORD ACCOUNT WITH Pelican State they will take your money faster than Jesse James. I sent message about everything and about closing accounts because I'm disabled and can't keep giving money to them which they seamed fine with but I had to keep membership and savings account, but then I remembered because of all this the main thing I told them that I didn't want to I had to do which was switch how my monthly bills had been paid for years to them. So I sent email back and asked if they could promise me that they'd fix account and this wouldn't keep happening that against my better judgement I'd have to keep account because I really couldn't change how my monthly payments were paid again.
That was a week ago and I still haven't heard anything from them. I guess they took the money and ran. ALL of this is just a SMALL portion of what I've gone through. Maybe it was just me.
Maybe they like taking advantage of disabled people but everyone PLEASE BEWARE!!!!!! God Bless.
Review about: Pelican State Credit Union Checking Account.
Reason of review: Problems with payment.