Patelco Credit Union – Legit or Scam?

I came across a critical review of Patelco Credit Union on a Scam Reporting website –, titled ‘Wast Of Time’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against Patelco Credit Union with a pinch of salt.

Here is what the review says –


Patelco Credit Union has no interest in maintaining their long term, loyal, account holders.I’ve been with Patelco Credit Union for nearly ten years, despite living out of state since 2012.I requested a courtesy reversal on a few NSF fees, I was granted two.Their excuse for not reversing the rest was, “we are unable to reverse more than one NSF fee per year”…even though they just reversed two.The matter-of-fact is, they can reverse as many non-sufficient funds fees as they want, they just don’t want to.They make millions of dollars every year on people who don’t request courtesy reversals, so saying “we can’t” is just a lie.This isn’t me blaming them for my inability to budget properly.I am simply stating that they lie to keep more money in their pocket.When I asked if they could set me up with a LOC to help out with my paycheck-to-paycheck situation, which is always leaving me in the hole with NSF fees, they were unable to do so.Their reasoning was because I’ve had too many NSF fees in one year.That’s pretty much them saying, “we like taking your money too much to help you out”.My (new) local credit union was able to set me up with a checking account, and they offer 6 courtesy reversals a year, and they reverse all NSF fees if the account is brought back to positive standing in 24 hours or less. Much better customer service.I can’t believe I wasted my time with this BS company for nearly a decade.Oh well. One more bad review to add to their list.


In case you don’t already know (assuming you came to this page by Googling ‘Patelco Credit Union scam‘, or ‘Patelco Credit Union review‘, Patelco Credit Union is listed under the category Business on

Here is the rest of the contact information for the sole purpose of identification –

  • Address: 2nd Street San Francisco CA 94105
  • Phone: (800) 358-8228
  • Website:
  • Severity of Scam: Medium [not sure what it means]
  • Reported Loss: 4233 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity Patelco Credit Union was awarded 1 / 5 Stars  based on 1 Reviews.

It is difficult to ascertain whether Patelco Credit Union is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into Patelco Credit Union, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list Patelco Credit Union as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against Patelco Credit Union, please contact us immediately. If you have lost money to  Patelco Credit Union, together we can work to recover your loss.

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