Patelco Reviews 3

I had the worst banking experience with Patelco Credit Union. I was approved in-branch for a used car loan—made it crystal clear I was buying an electric vehicle (EV). No issue, everything was confirmed and approved. Then a few hours later, I get an email that looked like a phishing scam: wrong loan terms, a different name, and a completely different loan type that explicitly excluded EVs.

Called Patelco to find out what happened, and instead of owning their obvious mistake, they gaslit me and acted like I was confused—even after I sent them their own emails showing the contradictory information. Not a shred of empathy, just condescending and patronizing responses from their loan department and call center staff.

This was a complete bait-and-switch, and nobody took responsibility. How do you go from a standard used car loan approval to dumping someone into a subprime loan with incorrect details? Totally unacceptable.

Save yourself the headache—go to literally any other credit union. Patelco is a disorganized, dismissive, and frankly untrustworthy operation.

You get what you pay for—which is close to nothing. Some of the worst customer service ever. Incompetent and rude. Have had some decent experience with some customer service here, but sadly most of it is bad.

These people are insane. I started a small CBD business and they reported me to the feds for running narcotics. When the feds refused to investigate (because it's a lie), they kicked me off of banking and an appeal to Natalie in compliance resulted in me getting screamed at . . . because, you know, she is not very bright, the company is not very bright, they belief hemp is a narcotic. Don't do business with stupid people. It's not logical.