Spectra Credit Union

Poor service, drive thru teller was unprofessional and seemed angry

Today speaking with Jenna was the worst customer service I’ve ever gotten from Spectra. She was breathing hard in the very beginning of the call, you know that breath you make when you don’t want to be bothered.. yeah that one. I tried to ignore it but it was evident she wasn’t with it. I ended the call. I’d rather not talk to her again.

I have dealt with many financial institutions. Spectra is unquestionably the worst. Their website is actively misleading - it will claim that no payment on a loan is due, even though one is actually due and they'll charge you late fees if you don't make one. Not only that, I had issues where the website said I had no payment due, the website would not allow me to make a payment (because nothing was due!), and Spectra nonetheless claimed that there was an amount due because of accrued interest and then attempted to charge a late fee (which they eventually waived after I complained).

Spectra also has a burdensome process for closing an account that requires hand-signing documents and sending a photo of a driver's license. They refused to close my savings account through their secure message system, although they did inform me that they'd begin to charge fees if I didn't close the account.

Strongly recommend to stay away. Horrendous website, anti-customer policies, and generally bad service.

I wire them money to pay-off one of my car loans. It has been two weeks of calling them to receive the lien release letter and still have not received anything. I call many times and all they say is it’s processed. What does that even means since I still haven’t received the lien release letter. One of their expertise is to harass customer to pay and they send trash mail to my house but can’t send me the document I need. Worse company on customer satisfaction.

They take 15 mins to answer the phone. On top of the service fees. They have service fees for everything it’s a bit ridiculous

A hassle to pay and dumb fees even if paying online! On top of that I keep getting late fees even tho I always ask how much it is and to pay the full amount. There phone services sucks they say they will call you back and never do!

Not this branch specifically but Spectra completely sucks when you use them for a car loan. To pay automatically is a hassle to pay them monthly is a hassle and on top of that they said I didn’t pay for one month and I did! I called them and they had the audacity to say they will call me back and never did! It was a Friday so customer service never wants to talk completely a hassle