Customer ReviewsforTexas Bay Credit Union

I have been with Texas Bay for years. Never late on any of my accounts. Paying my bills through the night I accidentally input the wrong checking account number in (I number off) and I also set up automatic payment. My payment was only $17. Several weeks later I received a call for Texas bay stating that my payment was late. I explained to the rep that I was setup on autopay After research the rep advised me that the account number was input wrong. I corrected the issue immediately and also caught up the bill and paid the following month because I did not want this to affect my credit. I ask the rep would this report to my credit she said it should not since they can see that I had indeed made the $17 payent on time and it was a honest mistake since I never been was late on any of my accounts with them. Several months later checking my credit April 2022 I received a 30 day late ding on my credit profile. Which brought my husband and I score down over 40 points. I immediately called them to see if they could remove the 30 day late as a courtesy since they saw I made the $17 payment it just was an honest mistake. They advised me that they will not remove the 30 day late I explained to them that we were in the process of purchasing a house and they are the only lates we had on our account in years and for a $17 mistake our credit is affect drastically. But they don't care. I will be closing all my accounts and credit cards because they don't care about there loyal customers. And the funny thing about this is that I send all my clients to this bank to open accounts and get credits card. I will not refer anyone to them because they do not care about their honest customers ?? If you are ever in a bind Texas Bay Federal credit union is not an option. $17 is costing me thousands of dollars If I could give a 0 I would.

Refuse to accept my payment on a loan because my husband had a loan in his name paying late and a credit card in his name only but I was told in order to get my loan I had to sign on his credit card to add an additional $4000 or $3000 so I did and paid off my portion but since he's late they cleared out my checking account which was in my name only and put toward his payments. Every time I pay my loan they put it to his and consider my loan as being late and charge me late fees. Now they want to threaten me as to take my vehicle because I'm late which really I wasn't if they would've applied the payment in the right place. I even paid $600 plus in May they applied everything to his accounts and nothing again to my account they stated they can apply the money where it's late so my answer to them so I'm paying on time but you're making me late and on top of that charging me late fees and she said yes with no remorse. After years with this credit union I closed my checking account and advise no one to ever get any type of loan with them. Poor customer service wait in long lines and then can't get a correct answer. Rude people in credit feel they can talk to you any way and get good results. Wait for 2-3 hours before someone can answer your question and still don't give you a correct answer. If i need to take further action I will.

I have been having a hard time with my bills and I am 40+ days late with my credit card. So Monica called me at 9:39am, while I was still asleep. I then got a text message from her at 9:55am. I responded to the text message at 11:15am when I woke up tell her when I would be able to make a payment. At 1:45pm I got a text from my stepmother that Monica had called her and left a voicemail trying to reach me. I haven't lived with my parents in over 10 years which is before I even opened my account at Texas bay. Then at 1:49pm my EX mother in law messaged me saying Monica called her! There was no reason for her to call anyone but me or my husband! I get it if I avoided her call multiple times or went a week without speaking to her. But it hadn't even been 24 hrs before her first contact with me.

I was a member with Texas Bay, people don't get multiple loans with them. Why if one of your accounts are late they default all of them. They totally black mail you for payments of all. They threat you with repo on all. I caught COVID pneumonia everything went belly up. I even had disability insurance on one . Claim was denied reason they said already had the illness. Due to COVID it flared up. They are rude not caring behind on technology. Can't make weekends deposits cash because close at 90 percent of there locations. People don't bank here no over draft privilege when needed. They make money supporting your loans. Than when you hit a brick wall . Start collections proceedings against all your loans. They really needs to be investigated. This bank practice dirty trades against the customers. Smile n your face but very deceiving when things get rough.