Wright-Patt CU Mobile Banking 4+

Was happy. Now annoyed.

I used this app for many years when I had only my personal accounts. It worked great. We recently got married so now we have joint accounts. The problem is that WPCU only gives you one user name per account. This becomes an issue when I try to log in and it will send the two factor authentication text to my wife’s phone since it’s “her” user name. If you individual accounts and joint accounts each user should be able to log in independently and see accounts they are joint in and accounts they are separate on. At the very best this current system is inconvenient, at worst it is a giant security risk because it forces people to share log in information.

Manipulating my credit score.

My understanding is that financial institutions can also influence credit scores. I have an outstanding debt that was sent to a collection agency a few years ago. I have refused to pay it, and they have not pursued it, because we both know it was a result of an unethical and manipulative act on the part of the creditor. I have never heard back from the debt collector. Several months ago this ‘blemish’ was not affecting the improvement of my credit score. My practice has always been to pay my balance within 24 hours of a transaction. I am using my CC specifically for the purpose of improving my score in case I ever need credit. I otherwise would just continue to use my debit card exclusively. Now, someone? (WPCU or the credit score entities) is using this ‘entry’ on my report as an excuse to lower my score back down to ‘poor’ despite my efforts to pay my balance always within 24 hours. I don’t know whether it is WPCU who has chosen to alter their perceptions of my ‘credit worthiness’ or it is one or more of the credit score entities, but I will eventually test the waters by moving on to a different bank or credit union.

Developer Response ,

Hello,
We are sorry to hear that you are having issues with your credit score. WPCU would like to help investigate and resolve this as soon as possible. Please email ContactUs@wpcu.coop for assistance.

Ads and no longer real-time

This app used to be one of my favorite for my financial institutions, but now I’m daily getting ads about money-back offers with no option to mark them as read or delete them. Tons of irrelevant “offers” (e.g. cash back on auto parts...I don’t own a car) that I tried to swipe to see if there was a delete option but somehow that activated it. Now I have these dang offers on my account and no idea what havoc it’s causing to my account history. And there’s no way to remove these from my account so I literally have to sit getting more notifications each day. Fed up.
Also getting extra annoyed that WPCU isn’t keeping real-time anymore. Funds in account but for some reason shows them three days later. Standing payments made but delaying issuing of my funds. Watching both this app and WPCU transactions carefully because if this keeps up I’m leaving WPCU at the end of the year.