RBFCUReviews of rbfcu.org

I started a personal loan with this company. I sent them multiple pieces of income verification, and every time they were asked for a new verification source when I’ve given them all information that I had up-to-date they still denied me. I made a call with the associate about how long I had to get this information into them and was told 60 days the application closed within 30 days. When asked to hear the messages they would deny me and said I need to subpoena them, this bank has not tried to work with me at all, even though the information they’re asking for, is very easily shown through their records, if somebody would actually take the time and look, but they never even compiled information together until the very last minute when I was asking them about this absolute garbage of a bank don’t waste your time don’t waste your energy. When you ask for help, they get snarky on the phone they put you on hold forever garbage I will be closing my account as though my little money matters to them. I doubt it but for my personal sense of well-being I can’t deal with this stress any longer with this bank .

We have had a terrible experience with RBFCU. Recently, we uncovered a total of five unauthorized ACH transactions on my bank account. Despite calling the customer service and fraud department numerous times to dispute these transactions, we have not received any constructive assistance. After speaking with multiple customer representatives and escalating the issue to various supervisors, help was still not provided. RBFCU advised us to contact Capital One directly, as the unauthorized ACH transactions originated from there. However, when we called the Capital One fraud department, they informed us that RBFCU should have initiated the investigation and contacted Capital One’s fraud department via bank-to-bank communication. We are perplexed as to why RBFCU cannot assist small business owners in protecting their accounts. We escalated the issue again this afternoon and were placed on the callback list, yet we are still waiting for a supervisor to contact us.

Worst bank/ credit union ever! Will move numbers around so you can seem to be negative just so they can charge you an overdraft fee. Even though you go and deposit funds before days end.

They restrict access to your money and customer service is terrible

My opinion and personal experience is that RBFCU, about 12 yrs ago, was a well run credit union. It’s since become a low-rate, substandard bank where you’re no longer a person who they actually benefit from having as a customer who deposits funds, but a number that they now consider a nuisance when you call for help with an issue involving THEIR services. However, putting aside that their ATM at the 6475 Baywater Dr location was out of service/out of money today and that they affiliate with 3rd party entities who’s credit card rewards services are inconsistent at best (“We cannot access uChoose Rewards. Please contact us at 888-999-4355.”), I expect to receive a response that tries to apologize and put me at ease about my sentiments for RBFCU - perhaps, an AI driven response? Don’t bother. It’s almost insulting and a waste of time. Anyway, I have my money and my confidence with a different credit union and I’ve witnessed the difference between the two.

This bank literally hates you. Your money isn't yours, your cards aren't yours. They will lie to your face. Feign polite ignorance, Misrepresent your problems. They're basically scum bags on the level of a politician or lawyer. I explicitly told them not to replace some cards, they did it anyways sending me scrambling to the bank to get rent money. The fact that these people will do the precise opposite of what you tell them to do, smile while doing it, and say "Eff off that's your problem" is insane. I will be paying off my credit card and moving to a new bank.

This is the worst Credit Union you could ever have. Do not trust them with your money. They will never catch real fraud but will freeze your card for no reason and not notify you at all. Also don’t ever use the call back option for customer service they will NEVER actually call back. Stay on hold. I recommend closing your account and going elsewhere.

This is what they advertise: "24/7 fraud monitoring and $0 liability for unauthorized debit card purchases". I have been with RBFCU for over 15 years. And when my debit card was hacked, they refused to cover the fraudulent charges. They actually caught the initial charges and froze my card. And when I called them they found that over $1000 of fraudulent charges had been made within a matter of minutes in another town. And when I asked them if they would investigate they said it was too hard to find these types of criminals. 1 month later, I get a letter in the mail stating that they will not be covering the fraudulent charges after all. So when my husband called to ask why, they stated that we had to file a police report with the stores where the charges occurred and pursue our own investigation. Even after one of their own representatives stated to me that it was too hard to find these kind of criminals. They also did the same thing to my daughter on her account, refusing to cover $800 worth of fraudulent charges. Very similar situation. They have lost our business and our money. And I'm sure they don't care about losing us as just a few customers, but maybe once more people are similarly effected and take the same actions then they will start to care.