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America First Credit Union

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America First Credit Union Reviews (74)

Dear Mr***, Thank you so much for your feedback regarding your title experience. I am so glad we were able to resolve this circumstance for you, but sincerely apologize that it has been such a hassle and inconvenience. We will continue to look for ways we can improve the service
provided to our members in this regard. If I can assist you further, please let me know. Thank you! Sincerely, Lisette T*** and Tammy G***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Dear ***, Thank for submitting your complaint via the Revdex.com. Because of the nature of your concern, and our commitment to privacy regarding your account, we have sent you an email containing a letter which explains further your rights and responsibilities. Should you
have additional questions regarding this same inquiry, please follow the instructions provided in the letter. We appreciate your Membership and look forward to serving you again soon Sincerely, Tammy G***

Dear Mr***, Thank you so much for your feedback regarding your experience at America First Credit Union. Because of our commitment to the privacy of our member information, we will not further elaborate on the circumstance we discussed. Per the details contained in the most recent
email correspondence, we believe this complaint to be resolved. If you have additional information or questions, please contact us at your earliest convenience so that we can investigate further. We appreciate your membership and look forward to serving you again soon. Sincerely, Lisette T*** Tammy G***

Dear Mr***,Thank you for bringing to our attention your concern in regards to your recent loan experience.? We truly appreciate the information you have shared and will utilize it to better train and educate our employees.? I apologize that you didn’t receive the proper information
in regards to your loan.? Per our phone conversation, I understand you were pleased with the remediation and explanation provided by America First.? If you have additional questions or if I can assist you further, please let me know.? Thank you!Sincerely,Lisette T***Tammy G***
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is above satisfactory to meLisette Went above and beyond to ensure I was taken care of! I was so excited and impressed with her that I will continue to do business with America First, and will be happy to do so!
Sincerely,
*** ***

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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

*** and *** *** no longer have an account at our credit union.? ? ? We need more information reagarding the dealership, etcto be able to research this complaint.? Thank You

Dear Mr***,I appreciate your time over the phone today? If there is anything else America First Credit Union can do to assist you, please let us know? Sincerely,Tammy G*** and Lisette T***

The information that is being reported in accurate and correct per the Fair Credit Reporting Act

Complaint: ***
I am rejecting this response because: I have never dealt with a credit union as poorly ran as this oneIt is completely their fault that more money was added to the credit line after I had already paid it offThey have seen my Power of Attorney papersThey had to see them to let me handle some of the things I have helped my Mom withI will be consulting my attorney
Sincerely,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

?
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

[redacted] and [redacted] no longer have an account at our credit union.   We need more information reagarding the dealership, etc. to be able to research this complaint.  Thank You

Dear Mr. [redacted],Thank you so much for this opportunity to respond to your feedback regarding your recent auto loan.  Per our phone conversation, I believe this complaint was resolved to your satisfaction.  If you have additional questions, please don’t hesitate to reach out.  We...

appreciate your membership and look forward to serving you again soon.Sincerely,Lisette T[redacted] & Tammy G[redacted]

Dear [redacted], Thank you for this opportunity to communicate with you regarding a recent complaint. You noted in your complaint that you have been working to close your mother’s line of credit for two months.  On February 13, we have record of the Smithfield Lee’s Branch providing you a hard...

copy and electronic copy of the closed account form necessary to close the line of credit.  The only piece of information that was missing was Maurine’s signature on the form, which you needed to have signed, and notarized and returned, or you needed to provide us with a copy of your full Power of Attorney, and the form signed and notarized by you, if you weren’t completing this transaction in-person.  Unfortunately, we do not have record of ever receiving the returned form, or the Power of Attorney.  If the charge in the checking account that you are concerned about is one that is unauthorized, we would be happy to assist you in disputing this charge.  If you would prefer to discuss these details over the phone, please respond to this message via the Revdex.com and we will reach out to you.  Please know that we strive to provide financial services of a superior quality for our Members, and serve them with the highest degree of excellence in every contact.  If you have additional questions or concerns, please let me know.  We appreciate your Membership and look forward to serving you again soon.  Sincerely, Tammy G[redacted]

Dear Mr. [redacted],
Thank you for this opportunity to communicate with you regarding a recent complaint.  I have researched your complaint and have included information below relative to the complaint you submitted.  You noted in your concern that your payments were being deposited into...

your Share Savings account.  All financial institutions receiving and sending ACH transactions must abide by the rules set forth by the National ACH Clearing House Association (NACHA).  These transactions are coded with specific codes, and per NACHA rules, we are not allowed to alter the distribution of these funds per the codes set forth in the files we receive.  For instance, in your case, the ACH was coded to be deposited into a savings account, and as such, we were required to deposit these funds into a savings account.  You also note that you were unaware that you had a Share Savings account with the credit union.  As part of your Membership with the credit union, you are required to maintain minimum shares as required by the Credit Union bylaws.  This requirement is fulfilled by maintaining $25 in a Share Savings account (which minimum balance requirement was changed to $1 on February 25, 2015).  When you completed your Indirect loan in November 2014, you would have received in the mail a copy of the Membership and Account Agreement with a letter welcoming you to the credit union.  Unfortunately in your case, your address was not provided correctly to us by the dealership where you completed your loan, which caused a delay in receiving these notices.  When you contacted us on 3/31/2015 and noted that your initial payment had been received into the savings account, instead of the loan, this was due to the coding of the ACH transfer submitted from your financial institution to America First.  At that point, a representative from America First Credit Union was able to transfer and apply these funds to your loan, and also back-date the effective date of the transaction to 3/10/2015, which was the date the ACH was received in the savings account.  One week later, our insurance department also advanced your loan due date from 2/18/2015 to 4/18/2015 because of the collateral insurance premium.  You were reported to the credit bureaus as 30 days delinquent for March 2015.  However, because the insurance department advanced your due date after the point when your 30 day delinquency had been completed to the credit bureaus, they did not realize they needed to make this additional correction.  I have requested this to be completed through our Research Department.  This can take up to two weeks for each credit bureau to make this correction. 
You also noted that we reported you late for May 2015.  After the almost all of your collateral insurance premium was refunded, your due date was 4/18/2015, as I mentioned above.  You did not make a payment to your loan in April; you also did not make a payment in May 2015, which caused you to be reported as 30 days delinquent on this loan.  The next payment was received on 6/19/2015 for $[redacted].  
In summary, we have taken the necessary steps to remove the 30-day late delinquency for March 2015.  The May 2015 30-day delinquency is accurate. 
 
If you have further questions in this regard, please let me know.  Thank you!
Sincerely,
Tammy G[redacted]

Dear [redacted], Thank you so much for this opportunity to respond to your complaint.  You stated in your complaint that the America First Heber Branch location discussed personal information regarding your account with [redacted].  On February 3, 2017 at 12:03 PM, the courts established [redacted]...

[redacted] as the personal representative for the estate of [redacted] (deceased).  [redacted] did visit the America First Credit Union Heber Branch on February 6, 2017, and provided the death certificate, statement from the Third Judicial District Court, Salt Lake County, Utah establishing himself as the personal representative of [redacted]’ estate, as well as a monthly America First Credit Union account statement for [redacted]’ primary account ([redacted] Riddle, Joint Owner) which [redacted] stated he picked up at [redacted]’ home.  [redacted] also visited the Heber Branch on subsequent occasions to discuss his options in the resolution of the debts incurred by [redacted] with America First Credit Union.  As a personal representative, generally speaking, this designation allows him to have all powers necessary to administer the estate, including the power to sell assets.   When we learned of [redacted]’ death, America First Credit Union’s primary focus was to ensure that steps were taken to prevent financial loss.  No additional information outside of the coordination of the estate of [redacted] was shared with [redacted], nor any other member of [redacted]’ family.  His access to the account statement was out of our control, as he obtained this statement from [redacted]’ home.  You mentioned on a phone call with Lisette Thurgood, that [redacted]’ sister made a deposit and was given balance information.  Although you didn’t remember a specific date, we reviewed a transaction that occurred on January 17, 2017.  We have spoken with the teller who completed the transaction in the drive-thru, and verified that no account information was provided during this transaction.  We also reviewed a copy of the transaction receipt, and the balance was redacted.  We have thoroughly investigated your claim and have not found any inquiries or records of interactions that would indicate that personal information was shared outside of what was dictated in the establishment of the personal representative.  If you have additional information or proof that would indicate otherwise, please contact us at your earliest convenience so that we can investigate further.  Sincerely, Tammy G[redacted]

Dear Mr. [redacted], Thank you for this opportunity to communicate with you regarding a recent complaint.  First, I need to apologize on behalf of America First and its representatives for the delay in processing your mortgage loan refinance.  There were a number of delays, none of which are...

excusable.  I regret that we provided you with such a poor service experience.  America First Credit Union and its employees are committed to service excellence  and are trained to provide exceptional service with every member, every time.  I have shared your experience with our management team, who will ensure that appropriate action is taken so that this experience is not repeated for other credit union members.  I understand that you were sent communication via email today to discuss options for your loan closing.  Although long awaited, I hope this email will be some good news after a long and arduous process.  I anticipate this closing will happen very shortly with a coordinated effort between you and our representatives.  I sincerely appreciate you bringing this concern to our attention.  Please know that we are committed to assist you with your financial needs.  I would be happy to speak with you personally if you have further concerns in this regard. We appreciate your membership and continued loyalty.  Please let me know if there is anything I can do to assist you further.    Sincerely,   Tammy G America First Credit Union

Dear Mr. [redacted], Thank you so much for this opportunity to respond to your feedback regarding your recent membership application.  Per our phone conversation, I believe this complaint is resolved.  If you have additional questions, please don’t hesitate to reach out.  We appreciate your...

membership and look forward to serving you again soon. Sincerely, Tammy G[redacted] and Lisette T[redacted]

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Address: PO Box 9199, Ogden, Utah, United States, 84409-0199

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