Philadelphia Federal Credit Union

I've been a loyal customer with PfCu for over 5 years now and never had issues until i applied for a mortgage. Their mortgage department is terrible. I received a pre approval and everything was fine initially. I didnt find a house so it was time to renew the pre approval. I sent the documentation over a month ago as they requested. I received a call and was told everything was fine and I would receive an increase with my new pre-approval. As I waited for the official pre approval letter I proceeded with searching for home. I left a message and emailed my lender multiple times for the letter and he never responded. I find a house to bid on but couldn't proceed with the bid without the letter. I followed up again only to be told that I needed more money down than what I was initially approved. They didnt explain the issue, I asked why and noone could really explain. I escalated to their supervisor and still no real answer.i am going to bank elsewhere n find a new lender. They are unprofessional and irresponsible.

I am truly surprised at the negative reviews, can only say that I've not experienced any of the issues as they describe. I've been with this bank for 33 years and have been very satisfied. I like their online and mobile app, and I LOVE the people at the other end of their online "chat". I understand the "rules" concerning mobile deposits and the wait-time for checks to clear, and though nobody wants to wait for their money to be accessible, all banks do this. I've only been in to the actual bank about 5 times in 33 years, so can't evaluate on-site staff. The only negative I have found is that their loan rates are not competitive and it's annoying to have to go to another bank to get a loan.

Matthew S.is AMAZING! This place and the people here are so friendly and so accommodating.you never feel rushed or pressured- and yet there's none of that being ignored or feeling lost in a bank of just standing around waiting for someone to notice you're alive. Informative, Helpful and courteous. Other banks could benefit a LOT from the social interaction modeled in this location.i can't say enough about my experiences here.

Never been to a bank that makes it harder to access money. Staff is not helpful at all. Awful bank!

Worst credit union. They nickel and dime their members. I left them due to this fact. They charged me a $28 overdraft fee then charged me $5 a month for not keeping it at a certain amount. I came in today and tried to pay them and they tacked on another $5 to close out the account. So they hit me in almost $70 in fees and they never paid out the item that caused the account to overdraft. When I went to pay the fee, they told me the amount owed was $64.79 two times. I wrote the check out for the $64.79 and then the rep came back and said I owed another $5 and could I please write out another check? She said it was to close out the account. I got so mad, that I got up & left. She never once said “Hold on. Let me get my manager. ” Nothing. I’m out of work; I lost my job of 12+ years. They refused to remove any fees to help me out and then they added on another $5. Don’t go here. Go to PFFCU in Bensalem. Much better credit union for sure and their fees are less.

They froze my entire account for a mistake that wasn’t even mine! Unable to access my money to any pay bills. After 20 years of being with them. Time for me to close my account and go elsewhere!

I have a checking account, a savings account, a line of credit and a loan. I have been a customer with this bank for over 10 years and I deeply regret all of the time that I have wasted with investing my money in this terrible financial institution. I have a tight budget and pay my bills down to the last dollar. I live paycheck to pay check so I cannot afford for any miscellaneous charges to hit my account. Beware! This bank does not like to waive their bank fees, so you're on your own if your account ever goes negative. I had an unauthorized charge to my account because a credit card payment tried to hit my account twice. I called PFCU customer service and they wanted to charge me $15 to place a stop payment on the charge but wouldn't budge when I asked to have it waived because I am the one being inconvenienced! You want to charge me to protect my account from a transaction that I didn't authorize!? I'm calling to dispute the charge because I don't want to spend any extra money period! I get paid bi-weekly, and I expect to have my acct balance left in tact until I get my next paycheck. The credit card merchant has agreed to refund the $129.50 charge, but you won't place an immediate block to prevent another auto debit of funds out of the acct unless I pay an additional $15!? Whose the scam artist here!? They have a policy, if you caused the issue, they say there is nothing more we can do. I have worked at First Union, Wachovia Bank and Wells Fargo through all of those bank mergers for 8 years and the first thing that I've learned is that there is always something you can do, and to always try to go above and beyond for your customer. In this case I DID NOT cause the issue, but providing the highest level of customer service to protect my account was not even a priority unless I paid them.: (After my loans are paid off I am closing my accounts. I am posting this on every pfcu listing because that is how angry I still am!

This credit union has a useless anti fraud Department. Call them because you notice a fraudulent charge PENDING. They cant block it. They wont do anything about it. Happened on 8/14/18. I called them that day. Still no help. They dont even call it "fraud" or file it as fraud (they call it a merchant dispute) even though it was a fraudulent company online pretending to be another. The company even called pretending to be the pfcu fraud department asking if I authorized the charges but still pfcu wont do anything about it. Meanwhile when you sit on hold for hours your ear gets blasted about how great their anti fraud works Bahahaha!

Used their new mobile deposit, awful! The website clearly states that checks are posted during business days at 12 p.m. And 4 p.m. I call and they stated it takes three business days! So I have to wait almost a week to access my money. Oh and it doesn't post a certain amount like if you were to deposit it at the ATM. As soon as I get my funds I'm closing my account and taking my business to a more efficient bank.

Great Bank institution, can't believe the bad reviews!
Great Service, Fast and friendly staff!

Thank you

As bad as bad can be. When you send an email to customer service, auto reply is to respond "within next business day". It never happens. When you spoke to a branch manager, she promised to get back to you next Monday. It never happens. When you make Roth IRA contribution with all paper work in black and white, it was canceled with no reason. No representative is able to answer it. I feel retarded.

Their services are terrible. I paid off my son's car loan a month ago with a purpose to sell the car. My son and I have not received a title so far. But we got all kinds of excuses both orally and in writing.

DO NOT USE CREDIT UNION FOR ANYTHING THAT MIGHT BE TIME SENSITIVE!

This is an absolutely awful banking institution. At my father's passing PFCU took all money out of his account for a loan that he took out several years ago which was not in default. The fact that they took it without informing any of the family would be bad enough but they actually went the super deceptive route by telling us that there was no funds available. No wonder the reputation of this CU is less than impressive.

I literally just left this location. I wanted to open a account, but was unsure do to a issue my friend had while we were out of town. He could not access his funds even though the money was available. I waited about 20-30 minutes with no service. Also tried online and was asked questions that were dumb. And then referred to go to the location.