Police And Fire Credit Union
Reviews and Complaints

I would like to give my story of working and police and fire. This company is racial with judgement and how they are with white and black employees.

They total took advance and never paid me for workmencompensation and disability.

I was bullied by a white superivisor. I cant take care of my family.

First of all I got loans and car and everything through police and fire never miss a payment I try to make a loan and they denied me I'm ready to go to another bank don't understand how your good outstanding customer and they deny you in your time of need my grandson had died and I only need a loan for $500 and they denied me I'm highly upset and looking into going to a new bank.

I have been with PFFCU for over 5 years since that time I have applied several times for loans. The last loan I was denied I spoke to someone at the branch.

They explained to me what I need to do in Order to get an approval, in which I did. When I applied again for a home equity just recently I was still denied. My combined credit score was 620. When I spoke to a loan Officer (Louis Picciano) at branch he was very short and brief with me.

Piccianco told me that they used my experian credit score and they didn't used the combination of all 3 bureaus. I explained to him that I been on my job for over 17yrs, a home owner, just paid off a 6yrs auto loan and a member for over 5yrs. I also told him I was dissatisfied with the service and was seeking business elsewhere. He said ok and hung up the the phone.

PFFCU customer service sucks do they think they have so many customers they can get away with rude behaviors. I'm done with PFFCU my next step is to send a complaint to the corporate office.

Since "updating" their online banking web site Pffcu appears to be engaging in tansaction re-ordering that increases consumer costs: The CFPB is concerned that overdraft practices employed by some financial institutions increase consumer costs. One such practice is commingling of all checks, bill payments, debit card transactions, and ATM withdrawals each day and processing the largest transactions first. This maximizes the number of transactions that will trigger an overdraft fee.

Essentially the CFPB has a hunch that banks are manipulating the order of your daily transactions to maximize the chances you’ll be charged an overdraft fee.

The CFPB says some banks will wait until the end of the day to deduct your daily purchases and start with the biggest purchase first. That allows the bank to collect and overdraft fee two times instead of one.

I have had numerous purchases made that according to my bank statement leave me with a positive balance but then a fee is withdrawn for the transaction When I question the credit union they always come back with some explanation as to how the deposit was actually made after the transaction took place but the retailor did not remove the funds from my account until some time later.( Pffcu also did not remove the funds from my available balance). So I made the transaction lacking in funds and a check is deposited before the funds leave my account and you charge me a fee because on paper I had no funds. Oh I get it -- The retailor not collecting the funds immediately should HELP me!! Pure manipulation!!!

My 19 year old son received a letter from Philadelphia Pffcu regarding a breach of info on his debit card and a new one being issued. He never received the card so first I call the credit union and am told they cannot discuss it with me.

My son calls back and some know it all named Kia answers the phone. He gives her his account number and tries to give her permission to speak to me regarding the letter. He then says to me "What are the last 4 digits of my SS number?" I give them to him. Not at all uncommon for a college student to not know his social since colleges and financial institutes no longer use them.

No one does. So big ears Kia hears me and asks my son who gave him the info. He tells Kia his mom and giant FBI know it all thinks she discovered a scam She starts asking SECURITY questions that make no sense Where does his father work ? For the police but how would she know and IF he could join one branch of Pffcu which one would he choose (oh so tricky since members have access to all branches).

My son answers army since he has no idea what she is talking about. I then take the phone and ask about the letter. Kia cannot talk to me.She then goes on with crazy questions and asks my son where he works, also unknown info to her and finally asks him to get a copy of his account which he does. He rattles off to her every transaction on it.

She then states she cannot speak to my him about his account because he does not know the account number but HE gave it to her at the beginning of the call. Obviously Kia at this point is stuck so she puts my son on hold. This is a 20 minute phone call to a moron. He hangs up and I call back get another rep and info in 20 seconds.

To top it off my son gets a "secret call" on his cell phone to let him know to call Jessica back for info on the FBI letter. Well I call back. She tells me for security reasons they do not ask for birth dates or addresses but instead use "OFF THE POCKET QUESTIONS" since address etc can be stolen. So I ask about using a SS number, like they are never stolen.

That is somehow "off the pocket" whatever that is. Of course Jessica has no explanation for why the mailed debit card is missing. Perhaps a breach in security? According to Jessica, KIa did not believe my son because she could hear me in the background answering questions.

So what? There is some law against that. I also inquired as to if she has children but she refuses to answer. She tells me that is irrelevant and if my son cannot handle the questions he should not have an account by himself.

He should have one with me. Real wise ***. I of course tell her he is a student at La Salle University and is probably smarter than she is (obviously.

Jessica suddenly became very angry and hung up on me .

Her number is 267-332-****. Call her with your security questions.

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