Vantage Credit Union

I have had an account with Vantage for 3 years , I have always utilized the courtesy pay with them they offer 750 withdrawal for their clients (to their discretion) and allow you to pay it back w/i 35 days , I have always taken the funds and paid it back within that time frame. I got a letter from VCU not knowing what It was I disregarded it. I had been making deposits and withdrawing the funds from the account and this past week when I attempted to do it again I was stopped by a teller in drive thru at the Bridgeton location that the courtesy pay wasn't available and that my account had been past due since 7/2018. Hearing this I was immediately concerned she said I didn't allow my funds to sit there long enough for the system to capture it. She had a solution she adv. for me to try the next day and even offered to call me that next morning to let me know the courtesy pay was available on the account, I accepted that offer,. the next day as normal I went and withdrew the funds no problem . This past week I took a trip to the Ozarks and attempted to log into my account to see what I had available in my credit card account. I was not able to it said there was an issue ( nothing specific) so I called the number on the back of the card after the issue continued. The young lady gave me the available balance and said that it might be some maintenance they were working on. Monday came and I tried to access it again at my work and the same issue arose, I went on to chat w/ a teller and the conversation went cold stating I needed to told to someone in the recovery dept and she provided the number. I called the number provided and was given information that my account had been closed because it had held a negative balance since july 2018 I was very upset about this because I know I didn't let the account lapse that way and was confused because nothing had been communicated before this point was reached. at this point I am explaining to the agent that I had been with them for 3 years had no issues and had a credit card w/ them and was willing to pay the account back with no problem if I was allowed to I offered $50 a month to pay she said "that's fine I can note it , but it wont stop any collection actions", I am just confused as to why I was being treated this way. Taking responsibility for the account and offering a solution as a consumer is not always common but to not have the same intent reciprocated it beyond me . I let her know that now since I cant access the account online how am I to make my credit card payments, she told me I had to visit a branch. This is absurd and I cant bank with a company that treats their customers this way AT ALL! I got home after the trip and saw a letter I got a few days prior when the decision was already made to close the account without any further correspondence before hand ...

I originally submitted a complaint to Vantage Credit Union on July 25, 2018. My dispute is the courtesy pay fee that was charged to my account x 2 in the amount of $35.00. The letter I sent to the dispute department to Vantage Credit Union was asking Vantage to refund the two $35.00 overdraft fees that were charged due to the fact that the monies were sitting in savings and they have not had any issues in the past withdrawing monies needed to cover an ACH and charging me $5.00 to do so, instead they would rather pick and choose when to make this option available by charging a $35.00 courtesy pay fee when convenient for them, I also find it outrageous to charge a banking customer $35.00 for 2.00 when they can obviously see the money sitting in savings, why charge $35.00 for 2.00 when the money is there. Please help these banks are taking advantage of US and it's not right.

I use VCU for insurance purposes. Peter has been helping my family with our insurance needs for a few years. He’s very professional and is easy to work with. I’ve made no less than 10 changes to auto policies in the last couple of years, (adding/removing cars, drivers, etc), and he’s ensured it was always simple and painless and I had the right coverage when I needed it. Thanks!

I have had numerous accounts with Vantage Credit Union since I was a child. Back then, they were great, helpful, and reliable. Now, I am so frustrated that I am switching my banking to USAA. Vantage used to have no fees at all for their checking account. Now, if you don’t have an aggregate balance of $3,000 or more (or get $3,000+ in direct deposits each month) then you get hit with a $5 fee. The problem I have is that they claim to have 0 fees and “simplicity.” That statement is erroneous and they hide it within the fine printing, unlike other institutions which clearly state that you must have $X amount in your account or you will have a monthly fee. That is deceptive practice and I won’t allow an institution to keep my money that tries to hide fees to get business.

My other issue with them is their credit cards/line of credits. They refuse to give me more than a $500 limit for the reason being I’m too risky and they are a small bank, yet American Express and another reward credit card that you must have extremely good credit for have given me a combined limit of $13,500. I refuse to use the card for more than a small monthly charge less than $5 to keep the account active on my credit report. With all of this in mind, they also are terrible at catching fraud. I had over $200 in online purchases made in less than a few hours and they didn’t stop any of it and let it all go though, even though for over a year I had barely used the card. Their process for fraudulent activity is also much more work than other card issuers.

Overall, my experience with Vantage as of recent is terrible. I wouldn’t recommend banking with them and would suggest you look elsewhere.

I have a problem with vantage credit union charging me for transferring my money from one account to another. Take a look at 4/28/18, 4/26/18, 4/30/18 & 5/1/18. I was refunded for one but the charges are not adding up. I love this credit union but there seems to be a lot of greed. I would like for everything that I was charged for concerning transferring funds from account to account reversed. I'm not understanding. There is a glitch in the system. if I pay my loan manually they take out the payment anyway & it causes an overdraft penalty if you can't cover a second payment against your will. if you look at my account you can see these things & I have no idea how long this been going on. I mean no harm but it can be a financial strain. I just want this to be investigated & corrections made. I may not be the only one going through this.

Hello I am so depressed. I don't know what else to do. I never ordered anything from this company. Vantage credit let this internet company steal my debit card information and submit fraudulent charges of $98.41, $97.41 and $48.71 on April 7th and April 10th. I reported the fraud to my bank when I noticed I was declined for a purchase at the barbershop. I then called my bank and I also went to it. I filed a report, but I was declined an affidavis to report these fraudulent charges.
The bank stated this company said I ordered some wrinkle and eye lift skin care cream on March 23rd for a free trial.. I am a African American 27 year old man. There is no reason at all that I would even need anything like this. Vantage let this company has fraud me and stole my information and refuse to investigate properly and put my money back on my card. My debit card was compromised by this fraudulent company for charges I never made. There are three purchases, one for $97.41, 48.71 and $98.41. I did not make those purchases. Please help me. This company has stolen my money off my card. I don't know how they even got my debit card number. And Vantage refused to help me. I don't remember the first two ladies I spoke with but the last lady, I got her name this time. *** is the Financial Service Representative for Vantage Credit. Please help me. I work too hard to have my money stolen and no one cares.

On February 21, I had an deposit sent to an old account at Vantage Credit Union from *** in the amount of $60.00 I have called Vantage 5 times. The third time they sent me to *** and I spoke to rep *** who said she would send an email to the account manager at Vantage Credit Union who promised a to call me back. I called the following day and the representative in the account department was very rude and said just wait to her supervisor calls me back, I asked to speak to the supervisor and she said he is not in. I want my money that is rightfully due to me I do not have an account with Vantage and they have refused to do what it takes to get this rectified promptly.

I have been a member of Vantage Credit Union for 20+ years and I have noticed a major decline in customer service. I too have been accessed an aggregate balance fee for our account, even though our combined accounts well exceed the minimum balance. I was told it was per account. I also have tried many times to deposit checks into my account which I could cover with the funds in my account, yet they would put an extended hold on. I feel I was forced to open accounts elsewhere just to be able to do daily banking transactions. I have recently opened new accounts with another credit union, which has better hours for someone who works 8-6 and I have been very happy. We recently received a notice from Vantage that our credit card would be closed due to inactivity. Apparently it is obvious they do not want your business unless you are wiling to pay fees or are an account that is a fee builder. That's a great business plan for Vantage but a bad business plan for all customers. It does surprise me that the Revdex.com gives them an A+ rating when they have 17+ negative reviews. I recommend doing your homework on whichever financial institution you choose, I'm sure once that is done you will not choose Vantage Credit Union.

I have a second mortgage with Vantage Credit union. My payments are $208.00. I received a letter requesting $394.00 or adverse action will follow. There were no documents included to state what the additional funds were for. I sent a written request for that information and have not received a response.

I have never seen more predatory practices at a financial institution as I have seen at Vantage. I had a car loan with this credit union that was paid in full without any late payments, and I had no issues. I also had a credit card with this credit union that I rarely if ever used. I had a balance that was paid down to all but less than a dollar which I was under the assumption was paid in full. My savings and special savings account were dormant, because I do not use those as well. Vantage automatically attempted to pull multiple times from my savings account to pay the under $1.00 balance on my credit card. This result in two $35 fees and a $25 returned payment to my card that was added to the balance resulting in $95 in fees. You have to be kidding me...I would certainly understand paying a fee if I were to "overdraft" an account and funds were used to pay the balance of my credit card, but this is not the case. Funds were attempted to pull multiple times from a dormant account and no payment was sent to the card. That is the equivalent of having overdraft protection on your checking account, but being denied anyway if you have insufficient funds and then being assessed a fee on top. This is all an internal policy and the only answer I got was that it was their policy. This is an extremely predatory practice, and I want to make everyone aware of this. I never received a phone call or any communication except a letter that was sent in the mail after the fact. This is horrible customer service and lack of good banking practices. I never write complaints such as this, but felt compelled to, because this was absurd.

I have been a customer of this Credit Union for 19 years, however they treat me like a panhandler off the street

I have a Savings account, a checking account, a line of credit, and a credit card with this bank. In the past I have had a car loan that was paid in full early.

I have tried many times to strengthen my relationship with them. My credit rating is fine, but their policies are so lengthy and restrictive I have went other routes. I would much rather have all my loans in one place, and would set them all up to be automatically paid.

An example was when I went to buy my home, I went to them first, and just to get an intent letter they not only wanted way too much information, but were rude in the process. I also have tried to use them for car and boat loans only to end up getting them from other places. The silly thing is that I have a home loan, 2 car loans, a boat loan, and never have been late once on any of them including the loan with them and they still don't want to do business with me while other banks find a way, quite easily actually.

The last straw, and I don't want to change banks, it's such a hassle, credit cards, direct deposits from work, all these other banks I have loans with all have this bank information, LOL. That sounds silly doesn't it. These other banks all get their money wired from this bank, when I have done everything, but get on my hands and knees to beg them for the loans. It doesn't make sense, but I that's not why I am finally looking into changing banks.

My mother died in July and left my children a small amount of money, and so they wouldn't just waste it, they money was given in checks with their name and my name on the checks. There were 6 of them, 4 of them were absolutely no problem to deposit, but The Festus, MO branch of this bank after I already had deposited 2 of them gave me a hard time, and I talked to the district manager about how I felt about being treated with such disrespect at such a hard time in my life, and also expressed my displeasure with not being able to find a way to do business with their bank as I have $ 250,000 loans, and a dozen credit cards, and God knows what else with other institutions, but I guess Vantage is too good for me. He assured me that I wouldn't have any more problems with the checks and was also in disbelief that Vantage just couldn't find a way to do business with me. LOL.

I cashed 2 more checks without incident, but had to go into the dreaded Festus Branch and as I was explaining to the teller that I had already deposited 5 of these checks another teller came out of nowhere and said to me " We cashed 5 of these, there is no way we are going to do another one" ! Without saying good afternoon, sir, how are you? how is your family? is this your son? (yes they did this in front of my son), or anything else just automatically in attack mode, looking for a way for me not to put money in their bank as usual. It's totally unbelievably, mind blowing unprofessional. Of course they ended putting the check in the bank as they had 5 others already, but not without this ungodly treatment.

No one else in my life treats me or talks to me this way just Vantage Credit Union.

I have been a Vantage customer since my first savings account when I was a kid. I had a brief period where I tried US Bank for convenience but was so frustrated by shady advertising and underhand fees that I went back to Vantage.

I use Vantage for a simple checking account. This has never included a monthly fee. If you look at their website they still claim there is not a fee. This is certainly not the case. They now charge $5 a month for everyone between the ages of 26 and 69. This just happens to include most of the customer base that utilize a simple checking account. You can avoid this by having over 3000 in your account of course but I don't use a checking account for that.

Thankfully there is another credit union in town who isnt playing these games and switching over easy. Main pain point here isn't the $5 dollars a month its the shady way they try to hide it for new customers. This is more like my experience with US Bank and I feel like the old Vantage Credit Union would be better than this.

I recently applied for a personal loan at Vantage Credit Union. I have a history with the bank. I have had 4 loans through them that were all paid in full and on time. The last one just being paid off last week. My credit score has recently dropped to a below average score. The girl told me I would have an answer in 48 hours. I guess since they weren't going to give me a loan, they didn't care to call me. I had to call in & then they returned my call. The girl told me they were not going to give me the loan because I didn't meet their criteria. Shocker. I asked her about a couple different options and her response was, "I just don't think they're going to go for it." I understand to a point because of my credit score, but what bothers me is that I was immediately dismissed. Over the past ten years I have had 4 loans through them all paid in full. That apparently gives me no crediability due to my current credit score. Everyone goes through hard times. It would be nice if I was treated like an individual instead of just a piece of paper. I also inquired about the terms of my most recent loan, to which her response was, "I was confused about your loan. We typically don't do that. The girl who did your loan is no longer with us for stuff like that." To that girl, I am forever grateful for you giving me that loan. I was desparate at the time & had no where to turn. She treated me like a person. The situation wasn't ideal, but she made it work and because I had three prior loans that were all in good standing & paid in full, she gave me the loan. It too has been paid in full & on time. I will take my business elsewhere. Obviously my payment history with them doesn't matter or give me any crediability. When my credit score returns to a good status, I'll be able to get a loan anywhere. Why would I return to Vantage Credit Union?

On 1/2/2018 I received an overdraft for $35.00. I have money in my account & I don't see how that could've happened so I'm asking for the fee to be waived. Account# ***.

I contacted Vantage Credit Union on 12/7 to request the cancellation of my automatic draft payment for the month of December. The payment was to be deducted on 12/12. On 12/8, I received a notification from my bank stating that Vantage Credit Union debited my account; causing my account to go into a negative balance. When I contacted Vantage Credit Union on 12/8 and spoke with a rep (whom was very polite and did everything she could to assist), she mentioned that the rep I spoke with on 12/7 entered a date of 1/2017 instead of 1/2018 for the automatic drafts to continue and this caused my account to be debited on 12/8. The rep mentioned that all could be corrected by providing proof that the amount was debited but it would not be credited right away. She admitted to Vantage's error and said they would take care of any overdraft fees with proof. I communicated that this was unacceptable to not have the amount credited immediately since in was Vantage's fault of the error which left me with a negative balance in my account. *** placed me on hold for a long period after I requested to speak with a Supervisor. She mentioned that the Supervisor of the department was out of the office. I vented my frustration again and that this needed to be corrected immediately. She then connected me with her Supervisor. He basically communicated the same as the rep and when I asked him for the number to the corporate office, his response was "we don't have a corporate office." When I repeated what he said, he tried to retract the statement and then said there was no number available. At that point, I mentioned to him that his creditabilty was in question and I no longer wanted to speak with him and disconnected the call. Currently, my account is still at a negative balance as all happened today.

I was out of town and they shut my card off without notification. After 6 attempts and 2 hours to resolve the issues I was told that no one could help me. Not even the 2 supervisors that I spoke with. My card was then no longer linked to my checking account and no one can tell me why or what it is now linked to. No one has once apologized or helped in any way.

vantage credit union started charging a aggregate balance fee .
the fee is $5.00 per month for accounts having $3000.00 in them or less. plus if you read in there terms it say aggregate balance fees(per month,90 days after account opening sum of daily deposit, loan and credit card balances falls below $3000;member age 69 excluded ..

besides the $ 5.00 fee.... this sure seems like they are targeting the mass of there account holders ... I bet if vantage credit union was asked what age groups are the majority of the account holders the answer sure looks like 26 thru 68... that sure seems like to me they are discriminating by AGE .... SO WHAT IS IT VANTAGE CREDIT UNION WHY ISNT ALL AGE GROUPS BEING CHARGED .WHY ARE THERE EXCLUDED GROUPS ... FROM FEE..

I went and purchased a gift card from Vantage Credit union on 8-31. I gave them cash for this purchase. Then on 9-26, I saw that they withdrew 100 from my account for the same gift card I paid cash for. They tried to explain that the way they process the gift cards was done incorrectly, but I received no warning (a phone call from a strange number that looks like a hacker and a voice mail I never got does not count as a warning).

I do not accept their explanation. I gave them a 100 cash and then another 100 was taken out from my perspective. They clearly have bad internal processes if it takes them a month to realize they made a mistake on a customer account and I don't think their explanation justifies taking money out of my account without discussing first with me. They acted like they did me a favor by not giving me a fee for them taking this money out - no, that is not a favor - that is called the right thing to do if you are already screwing around with your client's accounts.

I think what makes it worse is the approach the lady I spoke to took with the matter, instead of being understanding and trying to work something out with me, all she did was defend herself and the actions she took. Customer service means playing offense not defense - so her explanation wasn't necessarily taken seriously by me because it just sounded like a defense mechanism instead of an true explanation.

They will tack you with all kinds of overdraft fees that add up more than your entire negative withdrawal. Wouldn't recommend them to anyone. I've called twice and tried to get this worked out to where we are both happy ,and With just having a baby a week ago and I can not afford to have 280$ paid twords fees with one 35$ fee paid back. I will be canceling my four accounts I have with them and taking my business elsewhere.

11I am extremely disappointed in the direction the credit union is going. After being a member for 20 yrs I decided to close my account. The last straw was the 3.00 charge to advance my LOC to cover a small 4.xx advance. Plus they charge interest on the loan. Because of work schedule conflicts I decided to close my account using secure emails providing everything requested. There were at least 10 emails back and forth and in all of this communication it was not mentioned that as soon as it was closed access to my account online would be terminated. I was not able to confirm the closure nor was I given the ability to print my statements. I need to have statement copies from Nov 2016 to current. I was informed I would have to go into a branch for copies and that I would be charged. When I went to the location on the Rock Rd this morning I was informed that the cost was 10.00 / statement. When I explained that I was not made aware my access to online would be gone she told me I should have looked at the disclosure for the CU . And that she has to charge me she doesn't have a choice. If she was the branch manager she can choose to charge or not charge I too was a branch manager these decision are at their discretion due to their position. And if that wasn't bad enough when leaving the location the outer door (handicap access) closed on me while I was trying to walk out. I am an above the knee amputee walking with two canes. This could have had disastrous results for me. Can only image what the br. manager's comment to that would have been.