America First Credit UnionReviews of americafirst.com

This is by far the worst and most incompetent bank/credit union that I have ever dealt with. They over complicate everything and don't even fill in paperwork correctly. They overcomplicate simple requests and require excessive proof of identity even after verifying all information they ask and even being logged into my account! Just a few issues I experienced, I called to request proof that my accounts were paid off and at a zero balance. I gave the representative all requested information including answering several prompted security questions regarding my credit/identity. The representative then stated the documents would be uploaded to my document section on my online portal with could be accessed via email and password. But then she requested additional verification before I could send that. I was required to take photos of my driver license and a selfie photo of my face to match. All this to just receive a letter for an account I already verified! Another issue I had when trying to pay off the loan, a representative in the loan department sent me a prefilled document for me to sign and have notarized. I spent upwards of $100 between the notary and the overnight. I sent copies via email to the loan person and waited several hours before overnighting it. About 15 minutes after the document was taken to the postal service, the loan representative called me and claimed that I left a spot blank. I reminded her that SHE was, in fact, the person that prefilled in the document in and told me to not fill in anything other than my signature and notary section (to be done by the notary). Another issue was that a payment needed to be made by an individual during the transfer of title. The representative told this person that I needed to call in and answer verifying questions first and then, once confirmed, I was to conference in the individual making the payment in order to process the payment. So this is what I did. Once the other individual was on the line, the representative told me that the other individual needed to call in, answer verifying information and then conference me in. They told us both that the other person needed to initiate. They truly seem like they have no idea what they are doing most of the time. The left hand has no idea what the right hand is doing. This is just 3 of the several issues I had in a very short time of dealing with America First Credit Union. The individual who had the transfer of title is absolutely baffled at how incompetent this bank is. Not only will I never do business with this credit union again, the person we were dealing with also will be transferring their loan out immediately to a more competent institution. Do not use this credit union!

Absolutely horrible credit union. I have been with AFCU for 10+ years and they are the most difficult bank to deal with. I applied for vehicle refinancing when I was fresh out of a Chapter 7 and had a FICO score of 620. They gave me a conditional approval but my income was too low. Fast forward to today (8 months later), my income has risen significantly and my FICO is now at 681, but they tell me "you're still recovering from bankruptcy". I asked why they were willing to approve when I literally just got my discharge, but now a year later when I have established credit again, they say no. I think it's time to take all my accounts to a different credit union.

Attempted to open an account. I was denied by the Tenaya branch because I could not give them an emergency contact number. Not everyone has trustworthy friends or family members. Duh. Ridiculous. I can see if my doctor's office needs an emergency contact number....but why does America First CU need one? NO credit union or bank has EVER asked me for such unnecessary information! Their loss not mine!

Very difficult to process anything with the automated teller. When I did talk to a real person, they were nice, however. Long wait times and too many verification factors are frustrating. All I wanted to do is make a principal only payment. Apparently, they don't want you to do that. They claim the payment will pay the regular loan for 3 months and the balance will go to principal. That is B.S.!!! After buying 3 vehicles and a house in the last 15 years, I've always been able to make principal payments on loans to save on interest. And all of them paid off early! Just a piss poor way of doing business on their part.

if i could give ZERO stars i would. Terrible experience after 18 years of business with them. Already having 5 basic business accounts, we opened another. Explained we would be connecting to QuickBooks and having a high volume of deposits come in, as we were in a merger and acquiring about 21 existing clients. America first has by far been the worst experience we have ever had. Quickbooks is suspeneded and they are of no help. Its been 2 weeks , every day, phone calls for hours with multiple team members and no resolution or answer and they don't allow us to speak to IT. America First is rejecting the deposits coming from QuickBooks; they have accepted 5 out of the 24 deposits to come through. Stating we have the incorrect account number... however, the others came through just fine. We even made sure to have our deposits below 10K to help. QuickBooks is suspended, America first states it takes 45 days for a special request after we asked for a letter that the account is not negative and in good standing.....a simple letter... 45 days. No IT available, no answers, no help and instead insulting questions "Are you sure you have the 12 digit account number correct?" "Can you refresh your page?" ..... like WHAT on earth are we talking about people? Having asked to speak to managers and being on hold for hours, call backs not happening.... we are going on 2 weeks of dealing with this terrible experience and over 165K that cannot be deposited into our account .... our QuickBooks frozen so we also can no longer accept payments... being charged for every rejected transaction.... and ZERO accountability or even effort from AF....

This so called credit union. A joke license by the government to .... Part of dealing w lousy car dealer. The financial was being discussed and wow the young lady told me I could get a better deal 9n the loan. Cost to borrow from 24% to 5 easy. Now after 2 months and trying to make it my place for banking First deposit went thru zella and was successful. Set up the deposit for my social security and didn't think much but No atm local and closest branch Henderson NV. Anyway. The normal deposit on the 3rd wasn't posted. Then the real employee and their lousy customers service started. The bad customer service showed them in a different light. Complaints about those in Nevada was staggering. Bounced paychecks are something this place is famous for. Beware bad management, supervisor and

Listen to people when they tell you they’re the worst now, they’re not lying. Some of their customer service employees need to have their calls checked and be fired for their behavior as well.

The worst credit union I’ve ever worked with! Be prepared to be on hold for 45min+ any day - and their phone system is AI based so you can’t get through. I bought my car from my mom last year. For the last 5 months, I’ve been trying to get title documents to be able to take to the DMV to get the car in my name at the state level. America First employee (Ben) called me 2 weeks ago stating he was sending the paperwork to a court house and I would need to go there to pick it up. I then went to pick it up, and the court house stated they didn’t have anything. I checked the tracking link of the shipment and it looked like it was actually sent to the DMV. In the process of waiting at the DMV for 2hrs, I called the title department and spoke with a Heather who was completely rude. She argued with me for 10min stating the tracking link stated it was delivered to the Court House - not the DMV even though I was sitting in front of the woman at the DMV saying that they didn’t know where the documents were shipped. I finally hung up on Heather as she continued to talk over me and offered no help. I work in customer service, and it was probably one of the worst examples of customer service I’ve ever encountered. Finally, the DMV lady (after two hours) tracked down that the paperwork was in fact sent to them and not the court house. To make it even better - the DMV lady also confirmed the credit union didn’t list the sales purchase price on the back of the title so now they have to get that resolved. All in all, DO not work with this credit company. It’s not worth your energy!