USC Credit Union

"On August 14, 2023 I received an automated recorded message regarding transactions on my account. As I went through the prompts, I was able to identify 2 to 3 on in authorized pending transactions. At the completion of the call, I was transferred to a customer service representative, who Stated these transactions would be taken care of. Just to give you a little history. This is probably the fourth or fifth time that I have experience fraudulent activity on this credit union account and the fifth time that I’ve had to stop my debit card and be re-issued a new one. Each and every time a provisional credit is applied to the account pending the investigation on Saturday I noticed that the fraudulent transactions that I spoke to the representative about had in fact posted to my account and it had been debited for approximately $170. I am on a fixed income I receive supplemental Social Security, which is only $1100 a month and every penny counts. That missing $170 would of provided meals, transportation and dog food for at least two or three days. I have called customer service member services at least five times since August 17 pretty much begging them to allow me this provisional credit as they have done so in the past. I’ve also attempted to obtain an explanation as to why the fraudulent transactions were posted to my account to begin with, after they had been identified as being unauthorize. for Usc to be such a highly rankung university. The credit union should not be allowed to bear that name they have failed miserably in providing good conscientious customer service. How disappointing. As of composing of this review, I have yet to receive a call back from any manager and or receive a provisional credit and I am being penalized for fraudulent activity that I had no control over."

"Wholly inadequate and completely incapable of anything but failure. Their team is well-intentioned but generally dim-witted. Their mobile app is an unmitigated disaster. Their desktop website features such errors as "insufficient permissions to view your messages". Their call-automation drops the call whenever you enter an extension. I've been with this bank for 10+ years, largely because I rarely need to interact with them. If I could go back do it all over, I would tell the freshmen version of myself to just go with PNC or another less-evil bank. I hope to be with another institution this time next week."

"I have been a member of the community for over 6 years, but my recent experience with USC credit union is a sheer disappointment. I am absolutely appalled by the negligence and inflexibility of the leadership here. You are blatantly failing to uphold your mission of serving the USC community. I attempted to add my husband to my joint account, and the process has remained unaccomplished for over a month and half! 1. The digital platform is an utter disaster: it's counterintuitive, confusing, and misguiding; 2. The customer service email is unresponsive even after numerous follow-ups spanning a week or more every time we get stuck in the process; 3. Their stringent requirements demand actual photos of your SSN (no other financial institution does this) instead of E-verify and a restricted list of bills for address verification. They even rejected a receipt from the US government as proof of address! I want to clarify that this review is not targeted at the diligent frontline employees. The lax and inflexible culture is not their creation, but a direct consequence of the leadership's ineptitude. It's high time that this appalling situation be addressed and rectified!!"

"I’m always disappointed with the service. My boss requires me to have an account from this bank but it has gave me more trouble than ever. I don’t even mind having a disfunctional service, it happens, but I guess I have been unlucky and bumped into very rude bank advisors, making my experience with this bank very stressful."

"USC credit union made the process of getting an auto loan extremely simple and quick. The representative who helped me was proactive, responsive, and patiently answered all my questions. (Thanks Radine!) We got an excellent interest rate too (less than a third of what I was expecting to be able to get). For anyone affiliated with the University this should be your first choice."