People’s Trust Federal Credit Union

I have banked at People’s Trust FCU since 1979 when it was Shell Credit Union. I have never had an issue and the staff are wonderful. The loan rates, service etc. are very good. I have a personal line of credit here with a good rate that is very useful. I recently retired, but p, an in continuing banking here. Their bill payment electronic system, is one of the best…

If you have a LOANS at this Credit Union they Will Misapply your Payment on your account and Will Not Even Notify you and therefore will cause you to be 30 or 60 days late and reported to the Credit Bureaus. This occurred numerous times through the Years. and during the «Over the Phone» payment which there is a FEE which consistently increases (was $ 8.95 per loan and now $ 10.95).
Oh.You have to «Call-​In» your Payment because there is NO Online System to Make a Payment directly like most Creditors and Banks. I have repeatedly made suggestions and request to the CEO Angela. McCathran
(
), Kimberly Carter and Marvena Kinloch but No Efforts to improve their online infrastructure is made. Instead of Opening Branches, why Not Improve your Online Payment Ability so Members Does not have to Call over the Phone.
This Credit Union is Dated and Does Not Invest in the Technology Needed to Improve Customer Service to their Members.
Don’t Call Customer Service — 713.428.3200
Hold times are Excessively Long and Ridiculous and Yes They Will Transfer your Call, only to Hold Longer for 10 – 15 mins.
So Again, Here is a Nice Summary to Why NOT Bank here.
1) Very Long Phone Hold Times — 15 – 20 mins
2) No Online Payment System for your LOANS
3) No Communications between the Reps and Collections
5) No Acceptance of Accountability
6) No System in Place in the Event a Payment Does Not Post or Gets Debited.
7) No Acknowledgement or Concern from CEO. — Never Got ONE Phone Call to apologize or show ways to accommodate the customer
8) Did I mention Long Phone Hold Times and Terrible Customer Service and Communications
9) No Receipt of Payment made over the Phone
10) Other Un-​Happy Members please also file reviews and complaints at these other websites to Help Share your Experience
ripoffreport-​dotcom
complaints-​dotcom
complaintsboard-​dotcom
pissedconsumer-​dotcom
bbb-​dotcom

«Money can’t buy happiness, but neither can poverty.»
– Leo Rosten, American Humorist and Screenwriter (1908 – 1997)
Money matters. It just doesn’t matter much to me. Because I have lots of financial responsibilities (namely, a family) and money isn’t a big driver in my life, I need to ensure I get the proper help to manage my financial portfolio as well as the daily ebb and flow of cash in the liquid portion of it.
For me, a financial institution with whom I entrust my money must be competent and convenient but, most importantly, it has to inspire trust. That’s why I find it particularly fitting that the credit union who handles the ins and outs of my cash flow is named «People’s Trust». This credit union was chartered in 1935 as the Shell Employees Federal Credit Union and kept that name until 2005 when they opened their doors to the general public.
Why do I like them?
* They have a service center where I work (this location).
* They always address me by name.
* They have a host of online services (account balancing, bill paying, etc.).
* They provide free checking and savings accounts and debit cards.
* They offer extremely competitve car loans They’re currently offering 4.5% APR on a new car loan and I just financed my teenage daughter’s used car through them at 5.0%.
* They pre-​authorize customers who qualify to take out new loans without any signatures required. It took all of 15 minutes to arrange my daughter’s car loan.
* Their ATM card works everywhere I’ve ever been in the world (including India last summer).
* They keep a good watch on my ATM card. If I pop up in a country outside of Western Europe and start using it, they’ll block me until I call in and say it’s okay (I wish I’d remember to do that beforehand more often).
* They offer money market accounts that give me more flexibility than CDs but a much better interest rate than a savings account.
If you’re not a Shell employee, you can still go to locations they have downtown and in Town & Country Village. The only reason I find myself talking to tellers on a weekly basis is that people write my wife a lot of personal checks. It’s a good excuse to stretch my legs and go for a walk after I’ve been at my desk for hours, though.