SDCCU Pacific Beach Branch Garnet Ave, San Diego

This "credit union" totally screwed my credit for no good reason!!. I stopped using my checking account in march due to moving out of the area and switching to another bank. I forgot to close the account. Unbeknownst to me, I accidentally selected my sdccu checking account to make a payment on a credit card. This put my account in the negative. I had no idea and was never called about it. The only correspondence I recieved was an email about an "e notice" from sdccu, which I ignored because i figured it was regarding a statement being available or something innocuous. They didn't bother to give me a curtesy before reporting the collection to the credit bureaus, dinging my flawless credit report. My fico score went from 780 to 646. My plans to purchase a home are severely impacted now. I thought credit unions were supposed to be member owned and consumer friendly; not this one! I found out about the overdraft completely by chance, i thought i had a small positive balance in the account so i logged in to transfer it out and close the account. By that time, they had already closed my account and i was unable to pay it online. I called in and they informed me i would have to mail the balance or come in person to pay it. I happened to be back in California temporarily for work so i planned on going on the weekend to the branch to pay it off. Before i made it there it had already hit my credit!!! This is so disappointing that SDCCU made no effort to inform me of this tiny $220 debt before seriously screwing up my life. Who knows how many tens of thousands of dollars this will cost me interest in the future, if i can even qualify for financing now...

This branch totally changed my views on this bank as a whole. Special Thanks to Natasha and Jennifer for all your info on planning for a successful rebuild of my credit. Where they were not able to help firsthand, the employees were able to offer advice from their real-world experience as to the best way going about completing certain tasks to obtain a certain goal, financially. If you are a person with limited means or have made stupid mistakes in the past, go in with the correct info and you will find a place to rebuild from past mistakes, financially.

*AVOID AT ALL COSTS* *CHARGED ILLEGAL FEES AND SUBMITTED FALSE INFORMATION TO THE CREDIT BUREAUS* *REFUSED ARBITRATION WHEN PROVIDED WITH PROOF OF THEIR ERROR* Please note that the employees at this branch are ALL great, they just work for an EVIL organization.

Literally thee best SDCCU branch in San Diego. Customer service is excellent, plenty of parking, and fast service. Highly recommend.

Terrible phone service ...I wait for 30 minutes no one to answer me ..good service I like it ..but when just want to call make it appointment..no one answer until 30 minutes

Terrible phone service. Prepare to wait on the phone FOREVER before talking to someone. If you want to speak to someone on the phone, find another bank.

Open a checking account elsewhere. They also check your credit score to see if you get approved.

Horrible! They acted as if they could care less about me or my account! Very cold and impersonal.

Service is always prompt and friendly