Northland Area Federal Credit Union, Oscoda, MI

Who handles FOIA requests? ..... I didn't say I had a bad review/experience, I just need the name or extension # for whom ever handles FOIA requests? A members question.

I've been a member for forty years and I have no complaints. The staff and services have been great over the years. Just this weekend I was scammed (my own mistake to take a phoney survey that gave prizes, just pay shipping) so I had to go in this morning and cancel my Mastercard. In minutes I had a new card in hand, no waiting. I've taken out loans many times at reasonable interest. I know I can count on Northland Credit Union. I wouldn't think of changing.

I do not trust this Northland Area Federal Credit Union! Here is a copy of a recent letter I sent to my other bank which is Huntington Bank: "I want to thank you and Rikki at Huntington Bank as she gave me a phone number to contact Transunion after Northland Area Federal Credit Union employee, Lesa Ebend, pulled my credit report without my permission. I had only asked NAFCU for information about a Credit Line loan. I did not tell them I wanted to apply. I felt the employee was asking too many questions of me and thought, "She better not be pulling my credit,", so I spoke up and told her, "I do not want my credit pulled, until I know where exactly I am going to get the loan." She replied back with an "OK". When I returned home, I turned on my pc and saw an alert stating that Northland Area Federal Credit Union pulled my credit! I was furious and concerned to say the least! I called Huntington Bank and talked to Rikki and she gave me the Transunion phone number. Transunion actually talked to me and told me what to do to remove it from my record. Of course, NAFCU would not apologize to me and took no blame in what they did. They only gave me the letter I asked for to send to Transunion but the letter said, "Please remove the inquiry, as this was a mistake." This was no mistake on her part! The assistant manager, Matthew Shaw, at NAFCU, asked what the problem was, as I had, the day before spoke with him, too, about financing, and he offered no response towards me in light of the fact that employee, Lesa Ebend, from the institution, did a gravely wrong thing to me by pulling my credit. I do not wish to do business with them ever again. Those "hard" credit pulls stay on your report for 2 years! I worked hard to get my score to excellent. I do not need some incompetent scammer messing it up for me. Huntington never asked to pull my credit. They responsibly pre approved me, first, and gave me the information I asked for about the various loan options. When I am ready, again, to finance, I will definitely come to Huntington!" Cindy (UPDATE: Northland Federal Area Credit Union did respond to this review months and months ago (below) and said they would investigate, but I have not been notified about any part of it and I doubt anything has been done about this so it does not happen to other members).

I deposited a 2 thousand dollar check in the bank i have a lot of bills that i have to pay today but I can't because they are holding my money till Monday not their money my money and then to top it off they don't tell you that when you say no overdraft that means no overdraft that that only counts for the card so you can not feel safe or know that your money won't disappear from ach debit cause they love that overdraft fee they charge its a rip off scam

Best Credit Union I have ever worked with!!! The girls in the Oscoda office all take really great care of my elderly father. They have helped out so much. Thank you so much Jamie, Lindsey and all the staff who has helped our family!!!

I love my local tellers at the branches but call center is awful. They would rather belittle you than help you. Do not call in with issues. They will treat you like it's a chore to help you. If the tellers at my local branch weren't so wonderful, I'd close my account. The 1 star is for them.

Very recently, my elderly mother who was a member there for nearly 30 years and resident in town for well over 30 years went in to inquire about a loan. She asked for a quote and what she got was loan paperwork. She knows very little about the processes of getting a loan since she has owned her home for decades but need a loan to make some major repairs. What she got was actual loan documents...with zero explanation OR offers for other loan products. They attempted to put my mother into a HELOC with an interest rate of 8.25 % She has a credit rating well over 800. I told her NOT to sign that and when I called the loan officer (Alexis) she indicated she did explain the loan and other products to my mom. That's a lie...she did not. She then went back into this branch asking for another quote for a fixed rate loan with pricing at 15 and 30 years, and they once again, ran a full loan package and ran her credit report again, even though they had run it less than 5 days before. Nobody explained a single thing to my mother about the 50 page document and the interest rate they offered her with a stellar credit rating was higher than it should have been. To me, this SCREAMS predatory lending, and obviously there a was a serious lack of customer service. This past Monday, she closed both of her accounts there at my suggestion, and took her business to Huron Community Bank where they were happy to help and the loan officer gave a great quote, explained the process and brought up the intent paperwork from Tawas for my mother to sign. Thank God I was paying attention to her financials...God only knows how many other elderly people they have taken advantage of. Don't waste your time or money here and watch your elderly friends and neighbors.

Literally the worst bank I have ever dealt with. Do NOT GET LOANS from these people they will find ways to take every penny they can from you! Worst experience I've ever had!