Tdecu Reviews 6

Very bad experience with this Bank. Most Telephone customer service agent don't know what they are doing at all.

I have been on the phone with Member Services twelve times with twelve different people. Started calling around noon. They answered quickly,downhill from there. I was told to call the number on the back of the card. Called that number was told I would have to call back to Member Service. Given dispute department number from Member Services, which is different from number on the card. Called new number that was supposed to be dispute department. I asked to speak to a supervisor transferred back to Member Services. Was told by supervisor my account couldn't be verified. I am wondering if TDECU is still on MLK day. Their system is badly in need of review.

The wait time in the Brazoria location and Maxine is horrible
Do not bank with them

I was very happy with tdecu until the last year or so. When I want to check balance or conduct any other transactions over my phone by voice with the Maxine voice I have constant difficulty. 2 years ago it worked well with the older system. I could access everything by touch tone. Since it has changed lots of times it won't allow me to access my banking information. If I have to talk to a banker it's no less than a30 minute hold. I don't know what has happened. I used to recommend this bank but now I think I will no longer do so.

My experience has been nothing short of a nightmare. The customer service is awful, and the insurance department is even worse. Despite already having insurance coverage elsewhere, they are trying to charge me £300 for just one month of insurance.

I’ve tried contacting them multiple times through their online portal, where it takes up to a week to get a response, if you get one at all. Calling them is just as useless, as even their own staff can’t get in touch with the insurance team.

This level of disorganisation and lack of accountability is completely unacceptable. Save yourself the stress and go with a company that values its customers and provides basic service.

I am extremely disappointed and frustrated with the way TDECU has handled my account and the fraudulent activity I reported. After identifying and disputing an unauthorized transaction that caused my account to go negative, I immediately notified the credit union in writing and requested the account be closed. Despite repeated communication and my explicit refusal to accept responsibility for the transaction, TDECU continued to charge me multiple NSF fees tied to the same fraudulent charge.

Even worse, they refused to close my account unless I brought it “current” — a balance made up entirely of internal overdraft charges, which I am not liable for. I reminded them that under Regulation E (12 CFR §1005.11), financial institutions are required to promptly investigate reported unauthorized transactions and provide a written response within 10 business days. TDECU has failed to do this and has instead chosen to ignore my dispute entirely.

I also clearly stated in writing that I wanted all communication via email for record-keeping, yet they continue insisting I call them, which I will not do. This is an unacceptable and unethical practice, especially when someone is trying to resolve fraud professionally and responsibly. Their unwillingness to investigate, acknowledge the dispute, or stop charging fees demonstrates not only poor customer service, but a blatant disregard for federal consumer protection laws.

I’ve filed complaints with the Texas Credit Union Department, Consumer Financial Protection Bureau, and will continue to escalate as needed. I do not recommend banking with TDECU to anyone looking for a transparent, ethical, or responsive institution.