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Sahkuhnder

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  1. They are not alone, State Department FCU did not notify, first sign was login not working, had to call them to find out what was going on and it took them a while to figure it out. Two wrongs don't make a right! Two Wrights do make an airplane. Reading this thread it's easy to see that Partner's has some major problems and does not treat their "members" with courtesy or respect.
  2. Excellent! Would love to! Can you tell me what that is? I'm too tired to figure out one more acronym... https://www.eliminateidtheft.com
  3. And I'm left with a HARD EX INQ, and no accounts. They are the worst financial institution that I have EVER dealt with, including Wells Fargo! FYI Chris - I'm on the West coast. I'm left with a hard inquiry on EX, my useless Partner's debit card and a whole lot of bad memories. There are so many great institutions out there that I just couldn't see any reason to ignore the reports here and chance it by trying to deal with Partner's. How many people has Gary abused that aren't reporting their experience here on CB? Someone wouldn't have to look far to find positive threads about NFCU, PSECU, PenFed, USAA and many more.
  4. I have to also disagree with this. There was no problem with my membership approval and my checking and savings were opened and funded. I still have my Partner's debit card. The problem started after I applied for credit and when Gary (the head of consumer lending) called me on my cell phone while I was at work and refused to identify himself when I repeatedly asked. That upset his ego and only then did he retroactively cancel my membership for "fraud" because I was a liar and didn't really work for USPS as I listed on my credit application. I can still recall standing there in my Postal uniform holding a bag of mail on my shoulder while that hothead informed me "You don't work for the Post Office". LOL. This.
  5. Because your lawyer needs a new yacht. The one he has now is a couple of years old. Exactly! Won't someone think about the lawyers? We all have our hobbies that bring us enjoyment. One of mine is just slightly different than normal.
  6. Gary needs anger management, and absolutely a different line of work. Talking to customers for any reason should not be one of them. Having dealt with him myself, I absolutely know what you are talking about. He is incapable of "receiving" the other side of a conversation. As for his "reporting you for fraud," I am not sure exactly what that means, but you might want to send a registered letter to the president of the credit union relaying the conversation and letting them know in no uncertain terms any damage done to your credit or banking record as a result of his actions will result in any and all legal recourse on your part. I'd also start recording any and all calls with these people. Some states let you do this without notifying the other side. A call like yours would be quite interesting to the local news in either Florida or California. Consumer reporters love stuff like this. That's sound advise but where's the fun? I have my home, I'm comfortable financially (even more so do to the wealth of knowledge I've found on CB), and I could pay for my vehicles from savings if I had to. I do credit for the satisfaction of watching it grow and improve, not for any real need for credit to survive. If I send them a letter I may prevent them from doing me damage. If I don't stop them then maybe they (i.e., Gary) will be dumb enough to do something that I can sue them over. Then I get to involve my bulldog of a lawyer in a fight against a bully. Now why would I want to send them a letter?
  7. My complaints with those two agencies are already in progress. "I don't like you" is not a legitimate reason to deny credit and cancel my membership. It's interesting to see that I'm not the only customer that Gary Marshall has chased away.
  8. I completely agree with Jase. Dealing with this credit union has been one of the most frustrating financial experiences of my life. Nobody from the lending department ever, and I mean absolutely positively ever, answers the phone there. The automated message is either they are not at their desks, at lunch or gone home for the day. If you don't dial a specific extension then your calls are routed to "Gary Marshall", who is the head of consumer lending, and his voicemail box is always full, so your call is then disconnected. Their customer service record is horrible. Yeah, Gary "The Interrogator" was the guy who suggested I wasn't who I said I was and there was a problem with my license. He had all the subtlety of Stalin and was the last straw for me with these clowns. Yes, Gary's the guy. On my application I sent a message and told Partner's I'm a mailman (er.."Letter Carrier") and as such my job does not allowed to receive personal phone calls during the day so please communicate with me via email. Gary then of course called me at work anyway. Here's the best part - I answered hello and he said "Is this <first name>?", and I replied "Who's calling please?". He just kept on asking over and over "Is this <first name>?". Finally I got to the point where I said "Listen, you've got about one second to identify yourself before I hang up". Only then did he say he was calling from Partner's, but by then he was mad at me so that was the end of any chance my credit card application had of being treated fairly. I called him back and he then told me in the smug self-satisfied tone of a bully "You don't work for the Post Office". Not "we were unable to confirm your employment" or "we need more documentation", but he had decided that I didn't work for USPS and was not interested in evidence that would prove I did. I've been a mailman for over 10 years now. When I tried to offer proof that I indeed was a mailman he then told me "Your loan application is DENIED, I'm CANCELING your membership and I'm REPORTING you for fraud". What? I offered to go into a law firm, bank or credit union in my Post Office uniform and show my ID and my USPS employee ID and conference call with them. He didn't care. I called again to speak to someone else and reached a Danny Gonzales. Danny called my local Post Office and spoke to my boss, who of course confirmed I did work there. I then spoke to Larry Florrie (Flores?) who told me even if my employment was confirmed that Partner's would never approve me for a credit product after the fraud notations had been placed on my account (by Gary Marshall) and that there was no appeal. I politely asked that if they weren't going to give me a fair hearing about if I was actually eligible for credit or not, then could they at least remove the hard pull they placed on my Experian. He said they would not, and then suggested I might be better off with a local credit union instead. On a positive note I'm glad I learned the truth about them before I started using their services and became involved in a financial relationship with them. Yikes!
  9. I completely agree with Jase. Dealing with this credit union has been one of the most frustrating financial experiences of my life. Nobody from the lending department ever, and I mean absolutely positively ever, answers the phone there. The automated message is either they are not at their desks, at lunch or gone home for the day. If you don't dial a specific extension then your calls are routed to "Gary Marshall", who is the head of consumer lending, and his voicemail box is always full, so your call is then disconnected. I called on the weekdays during my morning break, my lunch break, and my afternoon break for 19 days straight before I gave up. If you call the main number and get a live csr then you have to sit on hold while they try to reach someone from the lending department. You wait and wait and finally they come back and tell you nobody is answering the phone there. Lather, rinse, repeat. My email to Partner's from May 26th still has not been answered. Total a waste of an EX credit pull for nothing. Looks like I'm not the only one:
  10. Just wanted to say thank you for creating and maintaining this handy tool.
  11. I don't mean to question anyone but Credit Bureau Risk Score Factor negative reason code 6 appears to discriminate against consumer finance accounts.
  12. Your balance only shows on the Visa or the LOC (unless you made separate charges to both and then each would only show the applicable balance).
  13. I applied right away while my account enrollment was still pending. I didn't see any reason to wait as the membership soft pull had already occurred and the CC application used the same pull. My CC approval did have a stipulation that membership was required but once the membership enrollment was completed the credit card soon followed. EDIT - If you are interested in the checking account LOC you can apply for that right now as well and it too will use the same credit pull.
  14. This credit union keeps getting better and better. What first caught my attention was their free EX FICO score. Then add in the PSL 20/20 combo with the dual credit line amounts reporting to help with utilization. Now the PSL rate goes down to 2.9% and they offer 1.49% auto loans! I sometimes shy away from lenders who hard pull EX but PSECU was worth the two inquires and I'm really glad I joined.

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