Spectrum Credit Union - Galleria Branch Post Oak Blvd, Houston

I visited this location to do a share branch transaction while on vacation. I cannot remember the name of the representative that assisted me, but she was really polite. There were actually three representatives in the office during my visit and we all began to chat about my being from Mississippi! It felt like the family type atmosphere I always received at my small local credit union.

My husband banks here. We will be ending services soon because we have found a much better institution. Dealing with spectrum has been a hassle from the beginning. If you misplace your debit card, you will have to wait a whole month before receiving another! Unless you pay for expedited shipping. And that’s only if you can speak to someone on the phone who actually knows what you’re asking them to do. Their customer service is horrible, all outsourced to people you can’t understand and vice versa. Our new credit union prints debit cards for us at the branch if we need a replacement. We sent a credit card payment from our checking, and due to my mistake the payment went over by $18. Can you believe the payment was CANCELLED, we were charged a $35 return payment fee with our credit card company, and spectrum had the nerve to also charge us an NSF fee despite not allowing the payment to go through! I have never had a bank do this to me, much less a credit union since they’re supposed to be all about minimizing fees. Even a customer service rep from the credit card company commented on how ridiculous that was. Keep in mind we had money in our savings that could have been used to cover this overdraft like most institutions do. These are just a few of the issues we’ve had with this poorly run bank. Avoid the headache and take your business elsewhere.

Despite the fact the credit union is inconvenient to me in location, I have banked with them exclusively for over 25 years. I have had to step in that physical location maybe 5 times in all this time because they always offer opportunities to do most things over the phone. The staff is kind, courteous and always always pleasant. Their savings rates are excellent and their online banking options compete with all the “box store banks”. I am about to open savings accounts with them for each of my children. Happy Spectrum customer!!

UPDATE: Reply to their response. They obviously miss the point of my review. I'm in my 50s and have been dealing with financial institutions for a long time. I know the difference between security verification and aggressive collection tactics that are completely unwarranted and uncalled for. This credit union has lost touch with decency. DO NOT DO BUSINESS HERE!! This credit union used to be our go to institution if we needed a loan. They were friendly, had very good terms, and went out of their way to put their customers first. We currently carry our mortgage with them along with a couple of smaller loans but will soon be switching everything somewhere else because the last couple of years their customer service has gone from "customer first" to "customers suck" Case in point: Around 4 years ago we were informed our monthly mortgage payment would be going up (escrow adjustment for property taxes etc.) No problem accept these increases happen in December when a LOT is going on and I forgot to adjust my automatic payment. Definitely my fault. Spectrum noticed I failed to change my payment and gave me a call to let me know I was short. "No big deal, just send the difference and make sure you fix the withdrawal amount for next month!" I thanked them and took care of it. Fast forward to this year. Same exact scenario, I screwed up and forgot to adjust the payment. No call, they send me a letter in the mail Christmas week saying my payment was short about 100 dollars. And since my mortgage payment is late now I also owe a late fee and if this wasn't corrected immediately they would be taking action to accelerate the loan. Note also that this letter came from a collection agency. A phone call to them directed me to a woman that only wanted every piece of personal info she could get out of me to "verify my account information" Because of a 100 dollar shortage on a single mortgage payment that I corrected as soon as I was made aware, they went into full foreclosure mode. Unbelievable to be treated like that after being a customer for 10 years, high credit rating, and no loan defaults. It seems every financial institution eventually falls under management that decide they need to screw their customers (Compass, BankONE, Wells Fargo and now Spectrum) so we are moving to refinance elsewhere. DON'T DO YOUR BANKING HERE!!

Loosing popularity with me because they constantly change the staff and office surroundings. People Change Makes me feel uneasy about someone new handling my account every few months. Thinking of taking my banking business elsewhere. Value me - value your staff and keep the same people in place to show you business is stable with stable employees.

Been using this branch and credit union close to 30 years now and never a complaint. Staff is always pleasant and quick to respond!

Do not do business with this institution, I am going to try and refinance my loan somewhere else. Their customer service is horrible.

Most unprofessional bank I have ever done business with. Will not utilize their services in the future.

Every teller treats you with respect and makes you feel you are valued as a customer. Best interests rates on cd's in town! Location is safe!

Most unprofessional bank I have ever had. Trust me! You’ll thank me later. God bless!