P.S.E.C.U.

Everyone said how great a credit union is, but I haven't experienced a single benefit from being part of this one. Don't expect a loan unless you don't actually need it. If you so much as missed a payment on your KMART layaway when you were 16, they want nothing to do with you.

My parents, who are deceased, had accounts with PSECU. I thought my husband and I were getting the same level of banking and relationship that my parents had with PSECU. After becoming a member 10 years ago, we found it tough to adjust to a credit union that only did telephone, ATM, and internet transactions. They managed to carry a good level of customer service to make it worth staying with them. What they have become in the last year has been inexcusable. Long wait times, customer service reps that don't have the knowledge (or friendliness) to assist with questions-they simply pass you on to someone else, and you are left holding for an hour before giving up on waiting on line, so you hang up without any resolve to why you called them. Considering they have no physical branches to visit, you really need to decide if this is how you want to spend your time when you have questions about your money.

Apart from customer service, which varies from excellent to unusable (more about that in a moment) the PSECU home banking platform is difficult to use, with bugs that have existed from the beginning and is ugly to look at. The platform is not self-intuitive at all. You'll find the bill payer segment the worst part of this amateurish attempt at looking contemporary.
Phoning PSECU for help is a crap shoot. Fortunately, there are some senior people still with PSECU who can quickly explain how to deal with scams and debit card issues. However, there are many whose spoken English is incomprehensible. The only way around that problem is to hang up and call back later, hoping for one of "the good ones" at PSECU.
The bigger issue is that PSECU will not admit they made a mistake and cure the problem.

PSECU is on TV all the time bragging about what they do with account holders money, I have a very high credit rating yet when they shut me out because of IT incompetence I was berated about a non exiting car and mortgage loan that is a possible problem. I do not own a car nor do I drive and sold paid off property long ago. Can't sell property with an unpaid mortgage last time I checked. If you have other options do not use this corporation. Make a complaint to the Pa. Banking and Securities Dept. YOU need a no star rating system!

I moved to New Jersey over two years ago from Pennsylvania. Since my move I have attempted several times to change my title and regisration of my vehicle from PA to NJ. The New Jersey Department of Motor Vehicles requires me to send a form to my credit union, PSECU, requesting them to send my title to NJ DOT so the title can be re-issued and sent back to PSECU, my lein holder. I have sent two request for** to PSECU with no response. My motor vehicle loan payments have been up to date and are not at issue. I have a seperate debt with PSECU that is not related to my vehicle which I was not able to keep up with since my divorce.

Because I fell behind on my credit card debt PSECU had frozen my account over 4 years ago. I have not been able to access my car loan acount. I have een making car loan payments blind every month since. I was not able to talk to anyone at PSECU because I could not remember my PIN number when I called in. In going through some documents recently I located my PIN number and got through to a live person. I explained my problem with my title and I was advised that I needed to make payment arrangements on my outstanding [redacted] debt before they will release my title to NJ DOT. I called the number they provided for the debt collector and made arrangements to pay down my outstanding debt. I called PSECU back and was now told that they will not release my title untle my vehicle loan is paid in full. My vehicle loan was never an issue and feel that their business practice is borderline illegal. If I am ever stopped or get into an accident with a New Jersey drivers license and a Pennsylvanis Registration I will get a ticket and points on my license. If they would just send the title to NJ DOT, they will send it back. I will never touch it, but only to sign it at DOT for the new one to be issued. This in New Jersey Law. I am not a bad person, and am in fact a 19 year retired police veteran. I feel that PSECU is practicing bad faith business and borderline criminal acts for not permitting me to folllow the vehicle laws.