Customer ReviewsforECU Credit Union

Fil gave me a call back at 4 pm when the branch ECU credit union was closed in regards to a preapproval for an Auto loan I applied for. She says in a sing ***** voice that I was not approved. I began to ask questions. She had a voice of irritability and I am sure this is because she waited until the last minute when the branch had closed and was time to go home. She may not have wanted to answer any questions but naturally any human being would like to know why they were denied a loan. She stated it is because I never had an auto loan on my credit report. I paused. I said ***, are you saying I was denied because I never had an auto loan? She stated yes. I said but I just got in a car accident. I had a car loan and she cut me off abruptly stating it doesnt matter you havent had the car loan long enough. I had a car loan from January 2020 until august 2023 which means over 3 years. I stated okay so when will I be able to try again on the loan? *** stated why would you want to do that? I said to try again. She goes okay you can wait a year. I said A year? She said yes a year. I asked if I could try again in 30 to 90 days if I go through my credit report?. She responds oh yes I suppose I guess that is right. To be honest at this point, I did not feel as though *** wanted me to be a member of this credit union. I feel as though she was nice in my face but once she called me it gave her ammunition to treat me any kind of way.I walked in and did not even see any person of color working in that branch. I truly believe I was discriminated against. I think Fil and underwriting may have never even properly looked over my credit report for her to say that I never had an auto loan and its too big of a risk. The phone call made me feel very small and as if Fil did not want me to be a part of that organization.To lie and say I can apply in a year or to lie and say Ive never had an auto loan was so disheartening/discouraging. Thankfully I was preapproved elsewhere.