Vocality Community Credit Union - Garberville, California

Garth E.

I've had several accounts and loans here over the last 15+ years. They really worked with me to find the best loan deal and have had good customer service and support. There has been a few issues with deposits going into the wrong account or a new staff member messing something up, but the errors were always corrected and their staff worked with me to figure it out.

April W.

Everyone I’ve spoken to aside from Jose is patient, courteous and respectful. He goes so far as to make calls and harasses people as late as 8pm long after business hours. He will make threats and demand you send proof of XYZ to him when IT’s people in other departments who need that information. I have voiced my concerns with upper management and requested that he not be the one to contact me only to have him still contact me when I’m late on a payment. I’ve spoken with his other coworkers and filed complaints and apparently he treats female coworkers the very same way. I don’t recommend taking an auto loan out with vocality community credit union.

Chris K.

Online banking interface is not friendly.

I have an auto loan through them. They charge $5 for each paper bill unless you sign up for online payments. They remind you of this by sending you a notice that your account balance is in a deficit.

So yesterday I decided to save some money and go paperless. Except one thing. You can't make a payment online. You have to deposit money into your account, then transfer funds from the savings account to the loan account. Luckily they have a mobile deposit feature.

Not the end of the world, but when I chose to do that, my request for that service had to be reviewed. So we wait 24hrs.

24hrs later I get an incorrect password notification and can't sign in. Successfully change the password and am ready to make an attempt to make a mobile deposit. I'm notified that I must download the app. Once I downloaded the app, I was hit again with "incorrect password".

Tried to reset it again and it notified me that the web services are down.

Vocality,
You've cost me more time than a stamp. You're a scam and a rip off. If you're going to go paperless and want the people who pay your bills to follow suit, make it friendly. Stop wasting your costumers time and money. Make an option to make a payment online without performing a mobile deposit, then transfer first. Or else your charge us $5 a month!? At least make it an option! Fix your website!

Matt B.

Don’t do your business here. They will charge you for anything any step of the way. Extra debit card fees every time you use it. Monthly fees if you aren’t paying attention. Can’t be used the second you step foot out of the US. They have extremely poor documentation and will charge you a monthly fee for every old statement that they have to round up for you (because they do not have any streamlined system in place). Low interest rates on savings. Poor online banking interface. Overcharge for special accounts ($11k baseline fee for a cannabis account). Very unprofessional in general.
I would have left money in their longer but whats the point?

Lion G.

Absolutely awful, I’m personally taking my business elsewhere very soon. You can’t even pay your Auto loan online with them. It’s all done via “transfers” or in person….. TERRIBLE web interface to manage the account. Take your money elsewhere. If you’re buying a car from any dealership and they recommend this place say absolutely not. You don’t want the headache of this place. They are in no way equipped to handle real business.

Chris B.

1 of the worst banks I've ever dealt with, they tell you 1 thing and then 3 days later if your lucky they might do what they said they would do. I've been a bank member here for almost 3 years was finally approved for a loan from then never missed a single payment, but when I asked to refinance my loan they wouldn't even approve me for that, plus there atm is always broke, representatives are super rude. There's alot better banks out there. SAVE YOURSELF A HEADACHE!!!

Maria L.

Vocality could be a better place to do business but there loan agents are rude an disrespectful worked with Jose aldofe and he violated my rights and threatened and harassed me an even when I paid two different loans in their bank. Do not recommend

Michael H.

Far better service when they were CCUSH and local. Charging $10 to pay using your debit card and not having an online bill pay outside of moving around accounts for a loan is beyond ridiculous. Vocality must set up a way to make vehicle loans a quick and easy single pay on their website instead of adding 10 bucks.