MAC Federal Credit Union - Fairbanks Branch — Attraction in Fairbanks

I went to MAC FCU to obtain a new motorcycle loan in 2016 from the Harley Davidson dealer here in Fairbanks Ak. I did have to open an account with them to get the loan, so I put the minimum amount in to open an account. ($10 or $25 I can’t remember)

I also put in another $90 or so at some point, so I roughly had $100 in the savings account for no other reason than Geico sending me a $90 check during the whole Covid thing for no reason really. I didn’t want to go back to the insanity of bank drive through lines, so I deposited it by taking a picture with my phone and sending it through the app. It worked flawlessly. Awesome 5/5

In the midst of the pandemic (May or June 2020) I paid the Harley off in full, and early by a year through the drive up window, due to the lobby being shut down. I was able to receive the title in hand about 45 minutes later ( I waited in the parking lot). Admittedly a bit long, but it was during spring COVID 2020, the drive through lines were long, and more than likely they weren’t expecting it, so I can’t complain. That was the last time I used their services. Awesome 5/5

The reason I dropped a star is because I just checked the app on my phone. My balance of $100 or so is gone due to inactivity. I have been charged with inactivity fees for the past year. $ 10 a month. I suppose I should have realized I was getting charged for inactivity fees, or checked the app. It’s not my main bank, I didn’t need the money, I figured it would sit there and collect the penny a month until I wanted to utilize MAC FCU more. I have been working full time, and going through a degree program at UAA full time for the past two years. I just graduated and wanted to deposit some cash into my savings account because I wanted to get a newer car loan through MAC FCU in the next year or so, that’s when I noticed this morning my $100 was hemorrhaged from the account.

A letter, email, or phone call would have been nice. Not...

IF YOU ARE A SOLDIER, TAKE YOUR BUSINESS ELSEWHERE. This "bank" will run a scam on you and steal money from your account, then notify you that you missed your payment. They exploited me for $6000, while I was deployed. They also tried to run an insurance scam claiming I never told them when I changed insurance and tried to repo my truck due to the accumulated charged for their ridiculously priced insurance. My insurance agent ripped them a new one and they returned my truck. Out of revenge, they then sent collections after me claiming I owed $1500 after the end of my contract. Two separate collections agents reviewed their falsified documents(no account records, just a random spreadsheet someone fabricsted) against my bank records and came to the same conclusion, that I did not owe them anything more. When they each confronted the bank, the bank refused to communicate and terminated the collections contract. They then punished me for exposing those lies by charging off the erroneous amount. Here we are, 7 years later and my truck was totaled due to someone hitting me and they are holding my title ransom, preventing me from settling the matter and leaving me, a single mother veteran, without a vehicle. This is an evil and despicable business and its amazing how they haven't been shut down at this point given all the other reviews here, testifying to the same kind of treatment. I should have listened to my senior NCOs at Wainwright when they warned me that this would happen after they had seen it happen to other soldiers in just our battalion. But I made the mistake of thinking it'd never happen to me. Don't make that same mistake. Find literally any other bank for your...

I am pleased with my loan experience, and usually encounter good customer service when I have to go into the branch. As for the dispute department could use training! I completed a dispute form, handed it to a teller at the branch on 10th Ave. About a week later I called to follow up, they have no record of it, so they ask me to stop by and all I’m supposed to do is sign the sheet, I end up going over the whole paper with a manager, I might as well have filled it out myself. So another week goes by and I hear from Hailey regarding my dispute, she approves it and tells me as long as the company doesn’t have anything I signed to prove otherwise I’m good. Mind you I incurred a few fees because of the company I was disputing. So fast forward a month later, I receive a call from Felicia telling me my account is overdrawn because she reversed the dispute. Wait what! I ask why she doesn’t answer my question, she starts asking me questions. I am explaining to her what happened and she just starts talking over me, when she is finished I let her know if she lets me speak I will tell her what happened, I end up hanging up after a long silence. So I call Jerenda the manager of the call center, I explain to her what happened and want to know why the reversal a month later! She says she will look into it and call me the next day as it is almost the end of the work day, okay. Next day comes and no call, so I call her the day after that and she proceeds to speak over me and speak condescendingly to me (now I know where her employees get it from), I hang up as this is awful customer service! I’m now incurring more fees, I guess this is how they make...