Comments on: Open Letter to Prospera Credit Union http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html Vancouver Blog Miss604 Fri, 10 Feb 2012 03:48:01 +0000 hourly 1 http://wordpress.org/?v=3.3.1 By: Miss604 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1249 Miss604 Sat, 04 Apr 2009 18:15:51 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1249 Dear Credit Union Staff Member, Since 2007 (when this was published) the tone and writing on my site has changed dramatically however I never have, and never will, revisit and edit old posts as they are what built my site into what it is today. The post was written from personal experiences and thus I was free to share my opinions at the time. Thank you for your concern, and I can see you are a dedicated employee, however your comment just solidifies my intentions of never dealing with said Credit Union again in the future. Dear Credit Union Staff Member,

Since 2007 (when this was published) the tone and writing on my site has changed dramatically however I never have, and never will, revisit and edit old posts as they are what built my site into what it is today. The post was written from personal experiences and thus I was free to share my opinions at the time.

Thank you for your concern, and I can see you are a dedicated employee, however your comment just solidifies my intentions of never dealing with said Credit Union again in the future.

]]> By: Credit Union Staff member http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1248 Credit Union Staff member Sat, 04 Apr 2009 17:45:56 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1248 Looking at this Blog makes me laugh as a “Long time employee of the Credit Union” and current Employee of Prospera Credit Union I know first hand that information provided by a so called Ex- staff member is extremely incorrect. Staff members are not required to hold account at Prospera Credit Union, although it is encouraged. You have the choice to have your payroll direct deposited to a Prospera account or a Cheque will be issued to you. So to the Ex- Staff member you need to get your facts straight. Credit Unions and Banks are Businesses, like all businesses they need to generate income to cover the cost of doing business. If this doesn’t make scenes to you, I would have to question your intelligence or lack there of. I am proud to be a part of an organization the values its employees and the community it operates within and find this Blog to be very offensive. Before making a negative comment about a Solid community based business you should make sure your facts are correct and you explain why you were declined for a loan or were charged a Fee, because I am sure the answer is one that you would not want to make public. The term “Slander” comes to mind when reviewing this blog… If you don’t know what that means you should look it up before you post such negative information. Looking at this Blog makes me laugh as a “Long time employee of the Credit Union” and current Employee of Prospera Credit Union I know first hand that information provided by a so called Ex- staff member is extremely incorrect. Staff members are not required to hold account at Prospera Credit Union, although it is encouraged. You have the choice to have your payroll direct deposited to a Prospera account or a Cheque will be issued to you. So to the Ex- Staff member you need to get your facts straight.

Credit Unions and Banks are Businesses, like all businesses they need to generate income to cover the cost of doing business. If this doesn’t make scenes to you, I would have to question your intelligence or lack there of.

I am proud to be a part of an organization the values its employees and the community it operates within and find this Blog to be very offensive. Before making a negative comment about a Solid community based business you should make sure your facts are correct and you explain why you were declined for a loan or were charged a Fee, because I am sure the answer is one that you would not want to make public.

The term “Slander” comes to mind when reviewing this blog… If you don’t know what that means you should look it up before you post such negative information.

]]> By: Vernon Investor http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1247 Vernon Investor Wed, 02 Jul 2008 20:43:56 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1247 Good information. I was thinking of changing from a bank and credit union to another - possibly Prospera. After reading these comments I am no longer even considering them. Good information. I was thinking of changing from a bank and credit union to another – possibly Prospera. After reading these comments I am no longer even considering them.

]]> By: whatzerface http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1246 whatzerface Wed, 25 Jun 2008 16:30:47 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1246 As a former employee of Prospera (as of Monday, actually) I am not at all surprised to see the comments here. I found it to be extremely poor service to put holds on accounts that had been open for years, with no problems. Very 1980. My husband and I have dealt with many banks and credit unions over the years, only staying with the ones who either don't hold, or will removed holds after a few months of established, good activity. There seems to be a culture of paranoia at Prospera ... assuming everyone is going to bounce cheques and run. There always will be the ones who do that, typically well under 1%, but to lump everyone into that category is closed-minded. They are desperate for members, to the point of threatening new employees with no paycheque if they don't open an account. It was written into my acceptance letter when I was offered the job. This soured me right out of the gate. There are many Prospera customers who receive excellent service ... the ones with money. The others are referred to as "bottom dwellers". Those exact words were used by senior management in a staff meeting to address ... wait for it ... 'good to great' customer service. They have many great people working for them, and for their sake, I hope Prospera figures it out sooner than later. As a former employee of Prospera (as of Monday, actually) I am not at all surprised to see the comments here. I found it to be extremely poor service to put holds on accounts that had been open for years, with no problems. Very 1980. My husband and I have dealt with many banks and credit unions over the years, only staying with the ones who either don’t hold, or will removed holds after a few months of established, good activity.

There seems to be a culture of paranoia at Prospera … assuming everyone is going to bounce cheques and run. There always will be the ones who do that, typically well under 1%, but to lump everyone into that category is closed-minded.

They are desperate for members, to the point of threatening new employees with no paycheque if they don’t open an account. It was written into my acceptance letter when I was offered the job. This soured me right out of the gate.

There are many Prospera customers who receive excellent service … the ones with money. The others are referred to as “bottom dwellers”. Those exact words were used by senior management in a staff meeting to address … wait for it … ‘good to great’ customer service.

They have many great people working for them, and for their sake, I hope Prospera figures it out sooner than later.

]]> By: cornelius http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1245 cornelius Sat, 07 Jun 2008 15:22:19 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1245 Banking by internet is often a problem,seems their computers are down half the time..Very annoying.Another credit union I use does not have the same problems. Banking by internet is often a problem,seems their computers are down half the time..Very annoying.Another credit union I use does not have the same problems.

]]> By: Tawneydog http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1244 Tawneydog Fri, 02 Nov 2007 18:47:51 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1244 I have dealt with Edelweiss from 1970, later to become Prospera. It was the first to give me a loan as a single parent and I can not give them enough cudos. They were there to watch my child grow up, marry and have their own family. Thanks to those who had faith in me to help and trust me and I am still with them. I have dealt with Edelweiss from 1970, later to become Prospera. It was the first to give me a loan as a single parent and I can not give them enough cudos. They were there to watch my child grow up, marry and have their own family. Thanks to those who had faith in me to help and trust me and I am still with them.

]]> By: Miss604’s Canuck Life :: A Vancouver Blog » Blog Archive » Bloggers are Lonely http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1243 Miss604’s Canuck Life :: A Vancouver Blog » Blog Archive » Bloggers are Lonely Thu, 01 Feb 2007 18:14:56 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1243 [...] I must admit though, I’m not completely transparent on my blog, I don’t go into details if I’ve had a bad day (except maybe when it has to do with a certain Credit Union) but that’s just me. That could say something about me, I could read into it, but… meh, I don’t really want to. Keren praises the Internet as a great place for self-expression, but he also suggests that blogs often have the opposite effect by creating feelings of loneliness for those who aren’t lucky enough to reach “celebrity” status. [...] [...] I must admit though, I’m not completely transparent on my blog, I don’t go into details if I’ve had a bad day (except maybe when it has to do with a certain Credit Union) but that’s just me. That could say something about me, I could read into it, but… meh, I don’t really want to. Keren praises the Internet as a great place for self-expression, but he also suggests that blogs often have the opposite effect by creating feelings of loneliness for those who aren’t lucky enough to reach “celebrity” status. [...]

]]> By: GZ Expat http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1242 GZ Expat Mon, 08 Jan 2007 04:44:47 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1242 I am sorry to say that I <i>used</i> to be in banking. As banks grew larger and larger in the 90's, the drive to be competitive with superior customer service went away. Banks earn money through fees and interest...they don't care if you don't want to pay those fees...they will get them. It's awful. I left banking in 1995 and never looked back. That said, I use a very forward thinking credit union, which does most of their business online. But, if you need to talk with someone, you can always get someone on the horn and they are more than happy to help. But...alas...its in the USA, so no help to you right now. I hope you gave them the URL for this posting when you closed your account. Bank people will never find this without it being stuck right under their noses. They need to hear it...and they need to see the comments. I am sorry to say that I used to be in banking. As banks grew larger and larger in the 90′s, the drive to be competitive with superior customer service went away. Banks earn money through fees and interest…they don’t care if you don’t want to pay those fees…they will get them. It’s awful. I left banking in 1995 and never looked back.

That said, I use a very forward thinking credit union, which does most of their business online. But, if you need to talk with someone, you can always get someone on the horn and they are more than happy to help. But…alas…its in the USA, so no help to you right now.

I hope you gave them the URL for this posting when you closed your account. Bank people will never find this without it being stuck right under their noses. They need to hear it…and they need to see the comments.

]]> By: Canucks Fan http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1241 Canucks Fan Sat, 06 Jan 2007 10:13:54 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1241 I'd have to agree on the crappy Prospera Service. I was with them for about 26 years, never carried a debt, always had savings and term deposits with them. When it was time to buy a house and put 25% down, Prospera gave me the worst rate on the market and wouldn't budge, even though I told them I was unhappy and would close all my accounts with them. I did, Coast Capital is much better. Better rates, better service, and more friendly. I’d have to agree on the crappy Prospera Service. I was with them for about 26 years, never carried a debt, always had savings and term deposits with them. When it was time to buy a house and put 25% down, Prospera gave me the worst rate on the market and wouldn’t budge, even though I told them I was unhappy and would close all my accounts with them.

I did, Coast Capital is much better. Better rates, better service, and more friendly.

]]> By: Flash http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1240 Flash Sat, 06 Jan 2007 03:39:05 +0000 http://www.miss604.com/2007/01/open-letter-to-prospera-credit-union.html#comment-1240 My wife dealt there when we met, as that is where her father dealt. She quickly learned to prefer my credit union, and so we closed her account and made mine joint. Now that her father can no longer mange the affairs, her mother has taken over. Since she was new to such things, she brought home a fee brochure and asked me if things seemed right. I advised her to shut down their accounts there, as this was the credit union I knew of that had higher fees on a senior account than I pay for my regular account elsewhere (and in fact, doesn't every other institution have no fee seniors' accounts?) My wife dealt there when we met, as that is where her father dealt. She quickly learned to prefer my credit union, and so we closed her account and made mine joint.

Now that her father can no longer mange the affairs, her mother has taken over. Since she was new to such things, she brought home a fee brochure and asked me if things seemed right. I advised her to shut down their accounts there, as this was the credit union I knew of that had higher fees on a senior account than I pay for my regular account elsewhere (and in fact, doesn’t every other institution have no fee seniors’ accounts?)

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