Credit Union of Texas

Reviews

• NS

  Nancy Stroud

  2 days ago
  1.0
  I opened an account with Texans CU in December 2025. While the branch personnel at the Frisco Branch is remarkable, the rest of the organization is anything but easy to work with and beyond frustrating. I recently purchased a home in the area, paid cash. The home needed a complete upgrade, bathrooms, kitchen, floors, plumbing, painting. I applied for a relatively small Home Equity loan with Texans as I did not want to liquidate my entire savings for the needed work. I was denied the loan, not because I have bad credit, not because I couldn’t afford the payment, I was denied because their loan policies state that you have to live in the home for at least one year for the home “to season “. Now, if I had a new mortgage I could absolutely understand the logic behind that policy. I paid cash for the loan. I had absolutely no debt. Nothing associated with needing time to “season” the purchase. I immediately applied elsewhere, was approved in literally less than 5 minutes, closed on the loan 2 weeks later. 5 minutes versus the run around about “seasoning” the purchase. In January I needed assistance with my account. I called member services. After a few minutes on hold received a message that they were busy and to leave my name and number and I would get a call back. I did. Now, Texans was going to be closed and automated services unavailable because they were merging with Las Colinas CU over the weekend. I didn’t receive any return call nor was I successful when I called them back. On the following Tuesday I finally called and spoke to a representative. I was informed it was MY fault I didn’t get a call back because when you leave your name/number you have to stay on the line 30 seconds or your call is not registered. WHY is the hold for additional time not included when leaving voicemail. I had my problem resolved (I had attempted to pay with Zelle and the transaction would not go through because it was over $500. We resolved the issue, or so I was lead to believe. Today I attempted to pay for garage repair. $815.00. Zelle transaction was declined 4 times. I had to use my debit card to pay the repair costs. The company charged an extra 3.5% , $29 extra. I called Texans to find out why the transaction didn’t go through. Customer service person verified that I was able to pay an $815 via Zelle. She never told me why the transaction was rejected 4 times. I asked for a refund of the $29 Customer Service refused to ref the $29 fee I had to pay because the Zelle transaction would not go through. The reason for denying the refund “if you had called us before you tried using the debit card you MIGHT not have had to pay the extra charge “. Truly. Call us first, you know the CU that doesn’t respond to voicemail, I have a repairman standing in front of me and I am supposed to call, talk about my private finances in front of a complete stranger. Texans admitted it was THEIR fault the transaction was rejected and they refuse to refund the extra charge. I worked in the credit union industry as a CEO for over 47 years. This is not an area that I am unfamiliar with. I understand the operation, how it works, and know that the issues I continue to have are completely controlled by Texans. Not the fault of a third party, not the “computer’s fault “, this is a constant member service problem The good news is already being completely frustrated with Texans I have already opened an account at another credit union. As soon as my direct deposit goes to the new CU I will be closing this account. 8 months of bad service is not good for anyone.
• EO

  Eduardo Ortega

  Aug 12, 2026
  1.0
  Really bad company never again. 0% recommended. Increased interest for no reason and bad costumer service.
• NS

  Nirmal Shukla

  Jul 24, 2026
  5.0
  My family had a very positive and professional experience at this branch. We really appreciate the branch. Thank you !!!
• DP

  Diamant Pozhegu

  Jul 8, 2026
  1.0
  On July 7 2026. I have an appointment for the car loan.. So I talk to one of an employee and I give his all my information and my credit score is 837 and I need a loan for $14,000 for Tesla 2018 with 131,000 miles. And he checked my credit and he took from my credit score 11 points just to check my credit and he say you’re gonna receive the phone call after three or four hours if you are prove it or not. And I received a phone call from the guy and he say your loan is denied because we don’t give a loan for Tesla over 75,000 miles is only we give a loan under 75,000 miles and he didn’t explain on spot and he took my 11 points from my credit score. And when he call me, I ask him to explain me why he just hang up the phone on me. I’m Very, very shame on you guys I don’t know what kind of customer service you have for me. You are under zero..
• DC

  Débora Canelas

  Jun 18, 2026
  2.0
  I became a member of Credit Union of North Texas because I wanted a secondary account, not my primary banking account. When I opened the account, Daniel Trevino helped me with the setup. During the process, he explained the Withdrawal Privilege Pay program, which allows transactions to go through when there are insufficient funds, with a $35 fee charged for each transaction. I specifically told him that I did not want this service and did not want to be enrolled in it. I expected that if there were insufficient funds in my account, my card would simply be declined. Since this is not an account I use regularly and I do not have direct deposits going into it, I do not check it often. A few weeks ago, I discovered that multiple transactions had been approved despite insufficient funds, and I had accumulated a large amount of overdraft fees. This was a complete surprise because I had clearly declined participation in the program when I opened the account. What has made this situation even more frustrating is the lack of customer service. I have called multiple phone numbers associated with Credit Union of North Texas and repeatedly waited on hold for more than 10 minutes without reaching anyone. I sent emails, messages, and text messages before finally receiving a call back. During that call, I was told they could only refund some of the fees and that I should visit a branch in person. I then scheduled an appointment specifically with Daniel Trevino, since he was the employee who opened my account and I wanted to discuss what happened. When I made the appointment, I clearly explained the reason for my visit. Conveniently, when I arrived, I was told that Daniel had left early that day. The employee at the front desk told me there was nothing she could do and instructed me to contact customer service online, despite the fact that I had already spent days trying unsuccessfully to get a response through those channels. Since then, I have continued calling, emailing, and sending messages, but I have not received any meaningful follow-up. My concerns are being ignored, and no one seems willing to take responsibility for what happened. Instead of addressing the issue directly, I feel like I am being sent in circles. I am writing this review because it appears to be the only way to get someone's attention. I am genuinely concerned about how this situation has been handled and disappointed by the lack of communication and accountability. The email address associated with this review is the same email address associated with my CUTX account, so the organization should have no difficulty contacting me if they are interested in resolving this matter.

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