Wescom Credit Union No longer a Credit UNion-They've lowered themselves to Bank Status! Internet, California

Obviously, you lightly read the original entry. The card was not actually expired. Wescom closed it w/o alerting me. There wasn't an outstanding balance...ei: I am not trying to use money I do not have.

I was later told by Wesom that the card had been closed due to inactivity. In other words, they were not making any money off it! Yet, no contact was attempted by them to alert me to this?? I think THAT'S the bigger issue here!

I must say, they have discontinued certain things they were attempting back in 2010. I have not had a single problem since I made a big stink with them and held them accountable! They reinstated my card, refunded fees, and personally CALLED me to apologize! 

Obviously, if they admitted they were in the wrong, I am not the one to be chastised for what we all know were hinky practices all of the banks were doing a few years back!

People who like to bash others are ignorant and lacking the entire picture. And lacking any sense of desire to further the greater community welfare. Just sit back and let the responsible citizens raise the alarm and plow forward to repair. You be the armchair Monday morning quarterback and act like you care. K? But we all see thru your thin veil of fiscal sophistication.

You have this card, right?  It has the EXPIRATION DATE on it, right?  And YOU don't know when it expires???  Then the NSF fees...what does your CHECK REGISTER say?  Or, is this just the case of someone TOO LAZY to keep records and maintaining a RUNNING BALANCE and then using the card without having a clue what the balance is?  Oh yes, its a great big conspiracy and they are so, so illegal!

Wescom...start increasing those NSF fees!  Make even MORE MONEY of these lazy people!!!  GOOD WORK, Wescom!

I also was a victim of Wescom and their fees. I call it the $35 cup of coffee bank. This bank was scandalous in its practices of holding out to put small debit card purchases through until you had a large check clear or you had less than what you needed to have in your checking account. Many times they create this domino effect by putting a $ 3 cup o coffee debut through just prior to a rent check for example, so tat the rent check bounces , you are charged a $30 fee, as there is then not enough or the coffee.

These were times when I was out of work, with a permanent disability, with 3 kids. Anything I would then use the bank for later, such as an auto deposited check, would be debited so many fees each month that the bank charged me for the delay of debiting my account accurately. I would hardly have any money left and the hole in my financial life became so deep, but Wescom was covering me in the dirt! I wrote a long letter to this company when they wanted to lock me out of my account, stating that I take ownership for my mistake of not writing every single time I swiped my card down.

But they were also notorious for not giving you an accurate, current balance on the Internet or the tele banker. So you would really think you had more in the bank then you actually did. Again they would take no responsibility for this.

My issue was this: if a bank can instantaneously do all other transactions to reflect current balances, in this computer age, not to mention it being their job to be accurate, why pick and choose time frames to debit your account, lying in wait to defraud you to cause chain reactions of fees in your account. I had Starbucks purchases taking 4-6 days to be extracted from my account! The bank blamed it on Starbucks but when I switched banks, it was in an instant these debits would come out of my account. I've never had issues with bank fees since Wescom, but I was defrauded thousands of dollars when I was with them. And not the first I heard of this with Wescom.