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Affinity FCU-Membership not guaranteed?

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Flossininmy64
Established Member

Affinity FCU-Membership not guaranteed?

Hey everyone! I recently heard about Affinity and it's excellent credit products. Although I'm located in Texas, I felt good about joining because I heard that this CU is not geofenced. I setup the donation in order to join, as well. I submitted the initial application and received an email that my membership was denied. When calling in to follow up about the denial email, the snarky rep- yes, she was having a bad day, stated that even with the donation that membership is not guaranteed. Has anyone else ever experienced this? I'm a little bummed because I took a HP for this. What would you do? Thanks for any advice. 

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Message 1 of 5
4 REPLIES 4
cashorcharge
Community Leader
Super Contributor

Re: Affinity FCU-Membership not guaranteed?

The donation you made was only for means of eligibility to join....which makes me think if there is something else going on.  Is your Chexsystems report clean and was it unlocked when you applied?

 

If so...I would suggest you call again, hopefully speak with another rep and start by asking the status?  Let them investigate and then explain why.  

 

To your point, I followed your steps, I'm not in their area and had no issues joining.

Message 2 of 5
Flossininmy64
Established Member

Re: Affinity FCU-Membership not guaranteed?

@mycash Just looked at my Chexsystems and there was nothing reported on the dashboard. I ordered a score report so we'll see. I don't see why there would be anything negative or would make her suspicious anyway. By the way, the reps response to me earlier asking why it was denied was,"Well don't you have credit unions where you are?" Bruh!

Apple-Card
Amex-everyday
Amex-bcp
Upgrade-Triple-Cash-Rewards
Discover-IT
FNBO-Evergreen
My-GMC-Rewards
JC-Penney-Mastercard
Walmart-Rewards-Capital-One
Sam-s-Club-Mastercard
Petal-2-Card
Capital-One-QS-One
Capital-One-QS-One
Capital-One-QS-One
OLLO
Merrick-Bank
Target-Store-Card
Kohl-s
IKEA-Projekt-Card
Williams-Sonoma-Store-Card
The-Children-s-Place
Toyota-Credit-card
Valero-Credit-Card
Dell-Financial-Services
Message 3 of 5
TyrannicalDuncery2
Contributor

Re: Affinity FCU-Membership not guaranteed?

That stinks, floss; sorry to hear that. I saw on DoC that they were recently starting to sort of soft-geofence, that may be the issue.

Message 4 of 5
Flossininmy64
Established Member

Re: Affinity FCU-Membership not guaranteed?

@TyrannicalDuncery2 Well, that makes sense then. Smiley Sad

Apple-Card
Amex-everyday
Amex-bcp
Upgrade-Triple-Cash-Rewards
Discover-IT
FNBO-Evergreen
My-GMC-Rewards
JC-Penney-Mastercard
Walmart-Rewards-Capital-One
Sam-s-Club-Mastercard
Petal-2-Card
Capital-One-QS-One
Capital-One-QS-One
Capital-One-QS-One
OLLO
Merrick-Bank
Target-Store-Card
Kohl-s
IKEA-Projekt-Card
Williams-Sonoma-Store-Card
The-Children-s-Place
Toyota-Credit-card
Valero-Credit-Card
Dell-Financial-Services
Message 5 of 5
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