Manipulating my credit score.
My understanding is that financial institutions can also influence credit scores. I have an outstanding debt that was sent to a collection agency a few years ago. I have refused to pay it, and they have not pursued it, because we both know it was a result of an unethical and manipulative act on the part of the creditor. I have never heard back from the debt collector. Several months ago this ‘blemish’ was not affecting the improvement of my credit score. My practice has always been to pay my balance within 24 hours of a transaction. I am using my CC specifically for the purpose of improving my score in case I ever need credit. I otherwise would just continue to use my debit card exclusively. Now, someone? (WPCU or the credit score entities) is using this ‘entry’ on my report as an excuse to lower my score back down to ‘poor’ despite my efforts to pay my balance always within 24 hours. I don’t know whether it is WPCU who has chosen to alter their perceptions of my ‘credit worthiness’ or it is one or more of the credit score entities, but I will eventually test the waters by moving on to a different bank or credit union.
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Response from developer
Hello, We are sorry to hear that you are having issues with your credit score. WPCU would like to help investigate and resolve this as soon as possible. Please email ContactUs@wpcu.coop for assistance.
Review from a 10+ year customer!
I love WPCU. It was the first credit union I ever had. I started banking with WPCU as a freshman in college at Wright State University. I have always been treated so nicely and with respect. I haven’t lived in Dayton or near a main branch in about 5 years and still use it as my primary banking. Online Banking has been a breeze! Everything is so easy to manage through the mobile app. Even if I need to call in, the customer service representatives are always so quick and efficient! I love WPCU and will be a member for life!!
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Routing number
It would me most helpful if you would just list the routing number in the app instead of linking out to a web page. How hard can that be? Also including the routing number within the account details inside of the web app and the mobile app would also be extremely helpful for users when copying and pasting account information for external purposes. Having to log out or bring up another web page just to get the routing number is insane. Very very very poor user experience.
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BEST BANK EVER
I started banking with WP a few years ago. It doesn’t matter if I’ve have to call or go into one of their locations, I have NEVER come across a sassy employee. I have always been greeted with respect and they have always been so nice. A couple of months ago I had to take out a loan and Nicole Hall and Alyssa Langer went above and beyond for me. They called me when they said they were going to. I really appreciated them during the whole process.
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WPCU have always been there for me!
I love this bank, They’ve always been there for me. What can I say they’ve helped me with checking account loans, and credit cards. They are a good bank, other than having trouble with Covid getting inside dealing with complications of transactions, Just like every other bank I’ve never had any problems they’ve always helps with anything and I need.
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I love the WPCU app
I love the WPCU app. I do wish it would let you apply for a credit card easier than sending you online and stuff, and the sending to other people I wish they used zelle or something more legit for sending to other non wpcu members but other than that for a credit union it exceeds expectations.
What I think
I do like the app, but I do not like the way w p does bus. You ask a simple question can’t never get a straight answer, and with the COVID that’s a whole mother thing refused to send paper billing to folks afraid you to spend
A little money and keep folks safe, but I do love the app.
A little money and keep folks safe, but I do love the app.
The card
Love the card but when we go out of state, half the time it does not work and gets embarrassing. We call and they say ok. Then nothing. We call again, same issue. Now we just use them mostly in Ohio! Thats sad!
Recent Issues
I’ve used the WPCU mobile app for a few years now & haven’t had any issues with it until recently. Almost every time I go to login, I get an error saying “we are unable to display your information at this time. Please try again later”. Which is extremely frustrating at times if I don’t have cash & need to transfer money or if I want to check on the status of my deposits.
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One small improvement
Our experience has been great it one small improvement would make it better. Offering cash back on all credit card purchases. Most other credit cards offer this on all purchases but not WPCU. (They only offer this when purchasing from some specific businesses) Again, so grateful for all the other services and customer care but if that one area was improved it would make it even better. Thank you WPCU.
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