After a little more than 4 years, we decided to take what was intended to be a one month leave from the blog so that we could each focus on other pursuits. Upon our return, we discovered that Priority One Credit Union’s President, Charles R. Wiggington, Sr., interpreted our absence as a sign the blog had finally come to an abrupt end. Never one to ignore an opportunity, the President has since November 2013, perpetuated rumors the blog is “dead”, having been “shut down” by his efforts. The puzzling part is that over the years, his efforts to terminate our reporting have been met with failure. In 2008, he and former CFO, Manny Gaitmaitan, drove to Glendale, California and met with then credit union attorney, William Adler of Styskal, Wiese and Melchione, LLP but were informed they were unable to do so. In the years that followed, Board Chair, Diedra Harris-Brooks contacted Google but her efforts also failed. In our absence and beginning this past November, the President has carried out a campaign which again touts his alleged prowess and keen tactical skills which lent this blog a final and deadly blow. His efforts were willingly assisted by Vice Presidents, Yvonne Boutte and Patricia Loiacano. Some employees of the South Pasadena unwittingly repeated the rumors though at no point did anyone at the credit union take a moment to verify the validity of the President’s statements choosing to instead, embrace his declarations at face value despite his long history of abuses, lies, and failures. Since January 1, 2007, the date Charles R. Wiggington, Sr. began his stint as President, we’ve often published evidence of the scandals he immersed himself in and exposed his insatiable misappropriation of authority which contributed to the decline of the once promising credit union.
Inspired by absence of the blog, President Wiggington recently also declared that Priority One has returned to a state of prosperity and is currently experiencing growth. His statements are of course unaccompanied by evidence that could lend some credence to his declarations.
The President has also resumed working on an almost full-time basis. In late 2012 and throughout 2013, the President reduced his work week from 40 hours to 6 1/2 to 16 hours allegedly because he suffered a relapse of cancer first diagnosed in 2012. .
So has the credit union overcome the many problems created by President Wiggington since he was first appointed President? Has Priority One now entered a period of prosperity and are they generating profit? Have they recouped the millions of dollars lost in Net Income since 2007? If the credit union has recovered it has done so in spite of President Wiggington and his legion of inept executives and managers?
The President recently also boasted that his “ball cancer” (his words, not ours) is in remission. Since resuming full-time hours, he traipses through the South Pasadena branch visiting the offices of CFO, Saeid Raad, Vice President, Yvonne Boutte and Executive Vice President, Rodger Smock and boasting loudly that “2013 was a great year” and blaming the credit union’s allegedly past failures on the incompetence of former COO, Beatrice Walker, and former CLO, Cindy Garvin, have now been resolved. Evidently, Charles R. Wiggington, Sr. is feeling much better.
Joining the President’s spin efforts are declarations by Vice President of Lending and Compliance, Patricia Loiacano, who asserts “business is good” and “we’re doing great.” In recently weeks, Mrs. Loiacano’s declarations have been further echoed by Vice President of Operations, Yvonne Boutte, who also boasts that she has single-handedly succeeded in subjugating employees of all branches, an achievement she alleges her predecessor, former COO, Beatrice Walker, and Executive Vice President, Rodger Smock, failed to do. Mrs. Boutte evidently suffers from selective memory forgetting that in late 2012, she acted alone and provoked a member into filing a lawsuit against the credit union. The lawsuit ended in payment of a settlement to the member.
Though the credit union’s Human Resources department continues to act in title as liaison between employees and the credit union, the filing of four lawsuits by former employees during the years of 2010 through 2012 have transformed the department into a powerless puppet head under the unofficial leadership of Executive Vice President, Rodger Smock. In 2011, we frequently exposed that the promotion of former Training and Education, Robert West, to Director over Human Resources, was nothing more than a sham designed to draw attention from Mr. Smock’s failures as Director over the department and his violation of credit union policies and state and federal laws which left the credit union open to lawsuits. In early 2013 during a deposition conducted at the offices of Richardson Harman Ober PC, Mr. Smock identified himself as the Director of Human Resources (not Employee Services). This finally and officially exposed President Wiggington’s lie and chronic insistence that Robert West is the Director over Human Resources.
Each January, we present a forecast of what may lie ahead for Priority One during the new year. Our assessments published in 2010, 2011, 2012, and 2013 have been on consistently on point because we consider the credit union’s past performance, take into account its ability to generate new business, consider its relationship with members, take into account any lawsuits filed against the organization, and examine the behaviors and ethics of its officers. So is the credit union generating sorely needed profit and experiencing growth?
CAN YOU FIND THEIR PROFIT?
Logically, it would be as foolish to believe anything about Priority One and its officers at face value, so as we’ve done in many previous posts, we’ve decided to use the credit union’s own documentation in conducting a review of their performance in 2013 and in determining what may lie ahead for the organization in 2014.
In this post, we use the credit union’s own Balance Sheet/Income Statement for the month of December 2013. Though state law requires the report be displayed in a conspicuous location for members and employees to read and requires the credit union to provide a copy of the report to members who request a copy, a copy of the report is almost impossible to obtain. In 2008, the President issued a directive to all officers prohibiting release of the report to members. He ordered that members provide reasons for requesting a copy of the report. He also ordered that all requests be directed to him for review, despite the fact Priority One is required to provide the report to any active member who requests to see it. One cannot but think that the President implement the stringent and illegal requirement if he has nothing to hide.
Shown below, is a copy of the Income Statement for the month ending December 31, 2013. The report also provides a record of Priority One’s year-to-date actuarials. The December 2013 statement provides irrefutable confirmation that business is as the President has declared, “great” or if it is something less than wonderful.
PRIORITY ONE CREDIT UNION
FOR THE MONTH ENDING DECEMBER 31, 2013
BALANCE SHEET / INCOME STATEMENT
As shown above and below, the credit union incurred a loss of $576,523 in “Unrealized Investment Gain (Loss).” Simply stated, the reference is due to (a market value) loss from investments.
Also of note is the reference to FEES and CHARGES which amounted to $249,327 for the month of December 2013 and for a total of $2,790,532 for the entire year of 2013. This entry is particularly interesting because it proves Priority One Credit Union garners a tremendous amount of their income from fees and charges levied to members for using the credit union’s services. The increased profit being earned from fees and charges is a reflection of the “bank industry mentality” of President Wiggington who prior to being hired as Vice President of Operations, was employed by Bank of America.
The closures of the Redlands, Valencia, Riverside, Burbank, and Airport branches has reduced the amount of monies spent each month on leasing property for the credit union’s remaining locations. In December 2013, the credit union spent a paltry $252 to lease their remaining offices located in South Pasadena, Los Angeles, Van Nuys and Santa Clarita. The reduced spending helps Priority One remain open for business though unfortunately, their financials don’t reference sufficient substantial income generated from new business only because their continued survival is contingent upon expense reductions.
Their financials show that over 2013, the credit union spent a whopping and unprecedented $323,866 in legal fees. In the years prior to Charles R. Wiggington, Sr.s appointment to President, the credit union’s annual expenditures on “legal” approximated $18,000 to $23,000. In 2013, the credit union spent more on legal fees than were spent by the President’s predecessors over a 12 year period. What’s more, in 2011 and 2012, the credit union spent more than $100,000 in legal fees. From 2011 through December 31, 2013, Priority One has spent more than $500,000 in legal fees. This is shocking and should be deemed unacceptable. Clearly, something is sorely awry at Priority One and certainly nothing attests to the incompetence and abuses committed by President Charles R. Wiggington, Sr. that does the filing of lawsuits by former employees and the vast amounts spent on legal fees.
In 2011, President Wiggington boasted that Shared Branching would enable members who worked or moved outside of areas where Priority One maintained branches, to retain their accounts and reap the benefits of membership to Priority One. Unfortunately, the elimination of branches as a means by which to remain in business forced the credit union to promote Shared Branching as a substitute for a real and personal branch. The President's plan failed because many members continue to close their accounts when they move outside of the regions served by Priority One. Furthermore, the credit union’s records show that the majority of people utilizing Shared Branching are members of other credit unions. During 2013, Priority One spent $161,118 in Shared Branching a cost that further erodes any profit generated by the credit union.
From 2011 through December 31, 2013, Priority One has spent more than $500,000 in legal fees.
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An expense which we cannot explain and which seems suspiciously high, is the amount spent on the Board of Directors and Supervisors. We cannot fathom how $14,346 were spent on the now much smaller Board and the Supervisory Committee. Furthermore, their ineffectiveness as overseers of the credit union’s internal operation fails to justify this expenditure.
Another equally perplexing expense is Mileage and Reimbursements which in 2013 totaled $24,495. How is it possible that a credit union that only employs 1 Business Development Representative and who no longer participate in community events or attend Chapter meetings would spend almost $25,000 on mileage and reimbursements.
The credit union generated income in the amount of $1197 for December 2013 and $307,281 for the entire year of 2013. Hardly impressive is it? Priority One’s Balance Sheet/Income Statement says much more about the credit union’s actual performance than the unfounded hyperbole being perpetrated by President Wiggington and Vice Presidents, Yvonne Boutte and Patricia Loiacano.
In 2010, President Wiggington and his then COO, Beatrice Walker, manipulated reporting for the month of January 2010 and showed a profit generated during that first month of the year. Historically, January is a slow month. Additionally, the credit union ended December 31, 2009, more than $500,000 in the RED immediately stirring our suspicion that the two highest officers had manipulated the credit union’s reporting. Two months later, in March 2010, we discovered and reported that the President and his COO transferred money from one of the credit union’s general ledgers and reported it as profit for the month of January. Their act was intended to create the impression that Priority One generated profit following 12 months of losses and failures.
In 2007, President Wiggington began the bad habit of dipping into the credit union’s coffers, at first $600,000 on a new phone system which he promised would propel growth and increase profit. He also spent tens of thousands of dollars implementing an improved and allegedly improved email system. Both of his efforts failed miserably.
In 2008, he obtained authorization from the Board of Directors to borrow $20 million from the credit line of credit. Over the next 4 years the credit union spent more than $30,000 each month paying interest alone of the loan.
In 2009, he was overcome by an inspiration to hire a COO who would help him create new streams of income, help oust his enemies from the credit union, and help realize his vision for the credit union. Two years later, she was terminated for insubordination and following rumors regarding her sexuality and a complaint that she’d sexually harassed and abused a Branch Manager. During her approximate two year stint, more than $200,000 were spent on the COO’s salary. At the time of her departure, not only had her alleged streams of income all failed to realize their purpose but she had wasted hundreds of thousands of dollars on a Call Center, remodeling of the South Pasadena and Burbank branches, and spent immense amounts of money on failed enterprises in addition to contributing to the credit union’s financial decline and ruination of its once pristine reputation.
In 2011, the President spent tens of thousands of dollars on hiring a Director of Lending. Several months later, the Director was terminating for failing to stop the credit union’s ongoing decline.
Last year we reported that Bankrate.com issued its report declaring that though Priority One remained buoyant, the credit union’s overhead was sharply undercutting profit and could in their opinion, create future problems for the credit union. They were absolutely correct. In December 2013, the credit union was forced to close the doors of its Airport branch signaling again the deep-rooted failure of President Wiggington to enact methodologies that produce new business, increase profit, and generate member interest in what the credit union has to offer.
During the months of December and January, we visited all of the credit union’s remaining branches for the purpose of observing their working environments. Here is some of what we observed:
Santa Clarita
The Santa Clarita branch opened in 2012 following months of fanfare by President Wiggington declaring the branch would prove an unprecedented success and draw droves of new members. The President was wrong. The branch is starkly devoid of members. Clearly, it is under utilized by members and it is certain, the location is failing to generate sufficient profit to justify its continued operation. Prior to its opening we pronounced the location would fail because of its inconvenient location outside downtown Valencia. As time quickly proved, we were correct. The number one reason why members and potential members choose not to visit the branch is because it lies far outside downtown Valencia and as some members have pointed out, they would prefer opening an account at an institution more centrally located.
Los Angeles
On the day we visited the credit union’s busiest branch, we found the front doors to the office, wide open. We were informed that the room was hot and the air conditioning was not functioning properly. It was quite evident that the Branch Manager is unaware that leaving the doors open in that manner, poses a potential security threat. We also counted 14 people standing in line waiting to be assisted by a single teller. There was also only one FSR present. She was busy helping a member while another waited for assistance.
South Pasadena
In 2013, the President approved the installation of cubicles in the Member Service Department. Since then, cubicles have also been installed in the Loan Department. Though cubicles are commonly found in many businesses, the cubicles selected by President Wiggington and Vice President, Yvonne Boutte, almost touch the ceiling, creating the undeniable impression of confinement and segregation. So is the intent to create the impression that management at the main branch wishes to segregate itself from members?
Van Nuys
The branch was the only one which we found to maintain some semblance of organization. The staff were helpful and there were actual people visiting the location.
Priority One was once known for its friendly employees and comfortable branch environments. It was also prized as an employer by its employees. In fact, many members who utilized the South Pasadena branch often described it as “cozy” and feeling “like home.” That of course ended after Charles R. Wiggington, Sr. became President. The person currently in charge of branch operations for Priority One’s remaining offices, is notorious Vice President, Yvonne Boutte. Mrs. Boutte is a caustic presence who has often created discord and conflict and not surprisingly, proven she doesn’t possess the ability to reverse the environmental issues plaguing employee morale. No doubt, many employees view Mrs. Boutte as polarizing and having no qualms of exhibiting unfettered hubris. Her confrontational and demeaning treatment of employees and members has often elicited conflicts. In 2012, her overbearing and aggressive zeal provoked the filing of a lawsuit by a now former member. The credit union responded quickly, issuing a monetary settlement to the abused member.
Business Development?
Mr. Garcia no longer possesses the authority he once relished in and which for a short time enabled him to target and terminate any employee who allegedly failed to fulfill their assigned duties. His once seemingly immovable relationship with Beatrice Walker deteriorated and by December 2010, she had marked him for future termination. He in turn, became one of her more avid critics, confiding to other employees that she misappropriated her authority which she used to banish employees she believed were her enemies.
Since being appointed Priority One’s single Business Development Representative in January 2013, Mr. Garcia has failed on a monthly basis to meet his $150,000 monthly sales quota appointed to him by President Wiggington. The highest amount attained during any single month, approximates $28,000 and in December 2013, he only achieved $12,000 of his $150,000 quota. For Mr. Garcia, this is a humiliating fall from grace. So why does he continue to be employed despite the fact that better and more accomplished employees were terminated throughout 2012 for failing to attain their assigned monthly quotas? Our guess is that his preservation may be due to the fact that he possess a lot of insider information about how former COO, Beatrice Walker, and President Wiggington chose to do business. We know that following his fallout with Ms. Walker, Mr. Garcia began communicating with former employees terminated by the COO and President and labeled enemies of the credit union. Through emails, text messages, and telephone conversations, Mr. Garcia admitted to wrong doing committed by his superiors. It will be interesting to see if his is subpoenaed as a witness for the credit union when they appear in court to litigate the lawsuit filed by the last Branch Manager of the now defunct Valencia branch.
“We are doing great!”
President Charles R. Wiggington, Sr.
January 2014
ANOTHER BRANCH CLOSES
This past December, the credit union closed the doors to its Airport branch. The office which opened under much fanfare in 2009, was the victim of poor planning by President Wiggington who could never develop strategies to draw member interest to the location. Its closure, however, did not stop the President from recently proclaiming that business is “great” nor did it inhibit Vice President, Patricia Loiacano, from declaring that the credit union’s performance is doing well. Evidently the two need to acquaint themselves with what defines great and what defines good and well. They might also take the time to what defines poor, bad, and substandard. The President’s latest campaign, touting the alleged renewed success of the credit union attempts to dissimulate the credit union’s actual performance which as we’ve shown, remains subpar. As we’ve pointed out often in the past, on the day (1/01/07) Charles R. Wiggington, Sr. began to serve as President, the credit union’s net income approximated $172 million. As of January 1, 2014, the credit union’s Net Income totals $146,318.298. That is an approximate loss of $25,681,702 in a 7-year period. Couple this with the fact the credit union had 9 branches on the day of President Wiggington’s appointment and now only has 4 remaining branches. Charles R. Wiggington, Sr., his executives, and Board Chair, Diedra Harris-Brooks, would like you to ignore the facts and instead believe what they have to say at face value. Obviously, the credit union is not growing. Its reduced net income attests to losses. The closure of 5 branches denotes decline. And the credit union is not progressing, it is regressing.
We recommend Mr. Wiggington hire a competent spin doctor to concoct a more believable story about Priority One’s actual financial and business standing. Unfortunately, President Wiggington’s reputation precludes him from being trusted or believed and his assertions to success are not only untrue but should never be believed. We must add that in our opinion, the Santa Clarita branch will close either at the end of this year or in 2015.
LAWYERING AT ITS WORST!
Priority One continues to litigate the lawsuit filed against it in 2012 by the former and last, Valencia Branch Manager. Unlike three lawsuits filed by former employees which preceded it, litigation of this lawsuit appears to be dragging. It appears that neither the credit union or its prized attorney, Paul F. Schimley of of Richardson Harmon Ober PC, have tried to resolve this lawsuit in a speedily manner as they apparently chose to do with all prior complaints. The President has revealed that the lawsuit could not proceed to court in 2013 because the court’s calendar was full and later, because of the holidays. That’s odd because the lawsuit was filed in mid-2012 and it is now January 2014. At the time the three previous lawsuits were filed, there were also court calendars and holidays to be dealt with and apparently those did not impede the timely and even expedient litigation of those lawsuits. We find the present delays suspicious particularly in view of President Wiggington’s 2012 and 2013 disclosures that the credit union’s attorney had said the Valencia Branch Manager’s lawsuit was frivolous and devoid of merit. If true, then the lawsuit would have been dismissed at the end of 2012. Evidently, the attorney’s alleged declarations were unfounded and may have constituted mere hyperbole. At the end of 2012, President Wiggington also disclosed that the allegations in the lawsuit were laughable and contrived and attributed the filing on a plot intended to extort money from the credit union. Again, if true, why hasn’t the lawsuit been dismissed?
For those who may have forgotten or who do not know, the lawsuit contains allegations of same-sex sexual harassment perpetrated by former COO, Beatrice Walker, and allegations that the former Branch Manager’s complaint reported verbally and in writing to both Human Resources and the President refused to protect her from the scathing and very public attack carried out by Ms. Walker. The complaint also alleges that the credit union violated state and federal laws and refused to adhere to its own internal policies which prohibit harassment and retaliation.
Though the President would have one believe that attorney Schimley is an expert in litigating employment-related matters, we’ve yet to witness anything that hints at his allegedly keen tactical prowess. Here are some highlights of recent, past litigation by Mr. Schimley:
- In 2010, the attorney threatened to file a motion seeking dismissal of the lawsuit filed by the former last Branch Manager of of the no longer existent Burbank office. According to President Wiggington, the lawsuit lacked merit. At the time, we also spoke to some of the witnesses who the credit union intended to use in its defense. We were told by one, that she was to provide testimony that Mrs. Nisely was a racist who hated “Latins.” The statement was so important that the witness alleges the credit union’s legal counsel offered to represent her at no cost to herself. At the time, then AVP, Sylvia Perez, told employees of the Van Nuys and Burbank office that she was anxious to be subpoenaed as a witness for the credit union and intended to provide testimony that the former Branch Manager was insubordinate and lazy. At the end of 2011, Mr. Schimley contacted the Plaintiff’s attorney and requested mediation to enter into a settlement of the lawsuit. So what happened to the allegations of racism, insubordination, and the Branch Manager’s refusal to develop new business in her region?
- In 2011, Mr. Schimley again threatened to seek dismissal of a lawsuit filed by a former Business Development Representative. In fact, Mr. Schimley contacted the credit union and informed them the Plaintiff’s attorney had resigned because of a conflict with his client. The President shared the information with some of his staff one of who published the information disclosed by Mr. Schimley on this blog. That case was also voluntarily settled by the credit union despite the credit union’s insistence that they had been advised the lawsuit lacked all merit.
- In 2012, a lawsuit was filed by a former FSR assigned to the now defunct Burbank branch. Mr. Schimley contacted President Wiggington and Board Chair, Diedra Harris-Brooks, and informed them the case had no merit. The President who is a chronic violator of confidentiality, shared Mr. Schimley’s statements with members of his immediate staff and soon afterwards one of them posted comments that the FSR had been reduced to begging for any amount of settlement she could obtain from the credit union. Soon afterwards, the credit union voluntarily paid out yet another monetary settlement to close the lawsuit which allegedly lacked all merit.
Late last year, Mr. Schimley conducted a deposition at his Pasadena, California office. He aggressively leveled questions at a former Business Development Representative in his effort to exact contradictions and deficiencies in her testimony as witness for the former Valencia Branch Manager. His efforts failed to force any statement that could be used to break the witness. However, overshadowing his efforts to impugn the witness were a slew of questions that asked if she knew who authors this blog. The questions are perplexing when one considers that this blog is not referenced in the lawsuit filed against the credit union. Furthermore, this blog is wholly unrelated to acts allegedly committed by former COO, Beatrice Walker, President Wiggington, or that may have been perpetrated by the credit union’s Human Resource Department.
The world of attorneys is populated by highly competent and educated lawyers possessing well-developed tactical abilities as well as bottom feeders who litigate cases using tactics that border on abuse and above all else, serve to impugn the character of any Plaintiff and their witnesses.
We have to note that it is not President Wiggington who approves the hiring of attorneys nor is he the person who authorizes paying out legal fees. The more than $500,000 spent on legal fees for the years of 2011 through 2013 are approved by the Supervisory Committee and Board of Directors. Actually, in the case of the Board the person approving hiring and payment is Board Chair, Diedra Harris-Brooks. Over the years, Mrs. Harris-Brooks has shown no hesitancy in spending hundreds of thousands of dollars on attorneys, particularly those hired to squash Plaintiff lawsuits and whose goal is to ultimately protect versus exonerate, President Wiggington and Human Resources of having violated state and federal laws.
However, to keep things in perspective, we must point out that the President and Mrs. Harris-Brooks have often boasted that every lawsuit filed by a former employee was ultimately settled “cheaply.” As usual, the two officers lack the ability to comprehend the actual cost incurred upon the credit union. Settlement payments issued to Plaintiff’s represent but one small and almost insignificant portion of the actual money spent on litigation. The fact is, more than $500,000 spent on legal fees for the years of 2011 through 2013 is excessive and unwavering evidence of the abuses committed by the Board of Directors and President. What’s more, the financial impact to the credit union has proven detrimental, contributing to the continuing depletion of its financial resources. However, the cost to the credit union’s reputation as an employer and business cannot be measured and is far more destructive than its spending on legal services. What is acutely clear is that Mrs. Harris-Brooks is willing to authorize whatever amount is needed to cover-up violations of state and federal law committed by and under President Charles Roger Wiggington, Sr.
CONCLUSION
During our absence, President Wiggington launched yet another verbal campaign proclaiming that Priority One Credit Union had finally returned to a state of profitability following a “great” year during which their performance improved and even excelled. The President’s verbal assertions are laid waste by Priority One’s own Balance Sheet and Income Statement which reveal no growth, reduced Net Income, immense losses from investments, and exorbitant spending on legal fees. The President hopes people will ignore his past history including his manipulation of the credit union’s monthly income statements, his sexual harassment of a former employee and the documented fact he took ownership of a BMW repossessed from a member, or with the help of his former ally, COO Beatrice Walker, targeted “enemy” employees whose reputations were publicly slandered before being terminated. His creation of an expensive AVP sector failed and as of 2014, there are no more AVP’s employed by the credit union. His installation of a Call Center that would drastically improve member service also failed miserably and actually serve to add increased dissatisfaction amongst members. His hiring of former COO, Beatrice Walker, proved not only disastrous but costly as did his hiring of former Director of Lending, Cindy Garvin. Prior to his appointment to President, the credit union had never been sued by former employees yet since his appointment the credit union has been sued by 4 former employees, 3 of whose complaints were voluntarily settled by the credit union. If anything is to be learned from the President’s many fumbled efforts is that he marches to the beat of a different drummer- a drummer no one else sees or hears.
The President’s current campaign exalting his achievements amounts to just more unfounded Wiggington propaganda. His claims that through his efforts, Priority One has finally overcome obstacles and impediments that have crippled its ability to progress forward is wholly absurd when one considers that it was he with the help of Board Chair, Diedra Harris-Brooks, who created the fiascos which caused the credit union’s decline. As the credit union’s Balance Sheet/Income Statement for the month ending December 31, 2013 proves, there is no resurgence, no growth and no improvements!
Business not only remains stagnant but the credit union’s reputation amongst members continues to deteriorate. Efforts to increase new business through one solitary Business Development Representative have proven both futile and ineffective. The Business Development Representative’s goal of $150,000 has yet to be met despite that he served in the capacity of Business Development Representative for a little more than one year. His treks into the communities served by the credit union reaped a paltry $12,000 in newly funded loans. In other words, he missed attaining his monthly goal by $138,000 and obtained 8% of his assigned goal. A review of his monthly performance since January 2013, shows that he has never achieved more than 17% of his assigned monthly goal, an amount that is both inconsequential and of little benefit to a credit union desperately requiring new business and actual monetary profits.
President Wiggington’s statement that business is “great” and Vice President, Patricia Loiacano’s statement that business is doing well are undermined by the credit union’s own reports. Furthermore, the two would like members and employees to ignore the fact the credit union ordered closure of its Airport branch in December 2013. The officers may argue the Airport branch was unprofitable but the fact is that neither President Wiggington, Mrs. Loiacano nor Vice President of Operations, Yvonne Boutte, ever introduced strategies that would have generated interest in the location. Either as a result of ignorance, a lack of imagination, or intentional refusal, the three have proven that they are quite incapable of creating plans that effectively realize what should be the credit union’s intended efforts for success.
As of January 1, 2014, Priority One retains its continuing unhealthy reliance on expense reductions. Inarguably, Priority One would survive without continually having to reduce spending. The hiring of an expensive COO in 2009 proved almost catastrophic. The hiring of a Director of Lending in 2011 proved useless and destructive. The hiring of consultants in 2012 produced a revamped website but did nothing to rectify the credit union’s far flung problems, all authored by the deficient President.
Additionally, an increased portion of the credit union’s income is reaped from charges and fees levied to members. This practice veers far from the credit union industry’s motto of people helping people or offering access to members who might experience difficulty obtaining financial products and services from traditional banks. The gap which once differentiated credit unions from banks is lessening and apparently, President Wiggington has helped close the chasm by charging more fees to members who are nowadays subjected to deficient member service and are offered products and services the can be easily obtained by better credit unions and banks.
So what lies ahead for the apparently impotent credit union? There is absolutely nothing within the credit union’s reports that hint at forthcoming success. What’s more, Board Chair, Diedra Harris-Brooks and the remaining Directors have exerted tremendous effort since 2008, to ensure the destructive dynamic that has diminished Priority One Credit Union from profitable to ineffective, remains protected and intact.
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85 comments:
Maybe Wigglenuts will keep his big mouth shut! I am so sick of him talking about how good we're doing when the place is miserable! He should talk only about things he knows like used old beat-up BMW's, fat girls and ball scratching.
you are so right Patti has been saying everything is heart.great. No one looks at the report because either they don't understand it or their too scared to read it because they know Wigg or Yvonne will make up a reason to write them up or fire them.
You hit the mail in the head.... Again.
Kiddos John. Great reporting about the industries worst president and stupidest board.
Is it illegal to put Wigg in a rocket and shoot him to the moon?
Wigg hammered that credit union into the ground. Lucky he has a corrupt ghetto board and no good lawyer watching his back for money... Lots of money.
When I worked there, Mr Harris merged the credit union with other credit unions and Priority One grew. He would help out members who were in need, even members with bad credit and they would pay back their loans. Goes to show that if you treat people right, they'll pay back their loans. Wigg on the other had made the qualifications stricter and cut off relations with all members. Now he charges members fees so that the credit union could stay open. Its no more about getting new business because based on that report, it doesn't look like they know how. Way to ruin a credit union and employee jobs.
So what happened to their plans to prosecute Lynette for embezzling? If she stoLe money like Yvonne said she did then why the hold up? The credit union went after Jennee didn't they? Of course they didn't go after Wiggington for ask EeyAl the years of kick backs from Justice Auto or from the old credit resolutions department or for sexual harassment or repossessing Danny Wafas's car.
Did any one read the report Holy Shit legal fees, at over 300, WOW that is more than what the cu spent in 87 years. Some one give Wigg and the board a prize. They spent more that anyone in the history of the cu on legal.
Wigg neve liked Lynnette and neither did Big Foot. If they had anything on her they would have prosecuted. Everyone knows Wigg makes up stories to get people fired. In the past he made up stories that employees were breaking confidentiality, sexually harassing other employees, stealing etc. No one in the history of the cu has ever broken confidentiality like Wigg. If you want to see a real live sexual harasser, look at Wigg. And if you want to see a real thief ask Wigg about the kickbacks he used to get from Justice Auto and credit resolutions. The man is a liar and nuts living in a fantasy where he is king and where people like and respect him.
Wigg is full of shit plain and simple
They spent less that $10,000 on security in 2013. That might explain why they have so many inside thefts.
The credit union used to be at $173, now the reports says $143, what is wrong with that picture Wigg face.
even after closing all the branch we still drown in assit size. What a dick!
Diredia is a bigger joke she dose not know her ass from he ugly face.
Patti is a big face thief just like Wigg
That's what's strange. The balance sheet says their worth $146 million but when Wiggington took over in 2007, they were worth $172 or $173 million. When you consider they closed 5 branches which means elimination of 5 monthly leases they couldn't afford. They also got rid of a lot of employees and they've hired more part-timers which means less benefits paid out.
SOME of the BIG problems are they continue to employ overpaid executives they don't need. They have Wiggington who makes $150,000 + (for not doing anything). They still pay Smock over $100,000 a year but no one knows what he does except sit in his office for hours. If Esmeralda and Robert West handle HR benefit payment processing and hiring, what is it that Smock does? Saeid Raad is an overpaid CFO. Patti Loiacano used to be knowledgeable in loan funding but making the woman a VP is like making Esmeralda Sandoval a spokesperson for Jenny Craig. Robert West is Mr. Smock's HR beard. As unqualified to oversee HR/Employee Services as he was to be a trainer, he remains on payroll taking long lunches, working on personal projects in his office and napping.
That's just SOME of the problem. The cu is run by dumb asses like Yvonne and Wigg and that backwoods, ghetto infested board and Diedra "Jethro" Brooks or whatever her real last name is.
A lot of us don't understand how Diedra was allowed to ruin the credit union.
This cu is the worst. Go to South Pasadena and wait and wait and wait some more fore a teller to help. Then when heor she does, they have to call for someone to help them because they're not sure what to do. Or call an ask to speak to a supervisor and you'll always get transferred to voicemail.
No one votes the board out, you need to let the members know what a dumb ass she is and get someone to run again her. Let the members know about the blog and how the credit union is gone down hill with dumb shits like Wigg/Deidra running into the ground.
An ex-offier told me that its pretty well accepted that the problem at P1 is the board particularly Diedra but no one understands why they haven't been voted out. It could be that members just don't understand the credit union's financials or why it is important to get a new board in. It could also be members just don't care about P1's future. Lots of members have opened accounts at other credit unions and it could be that they just figure that if P1 shuts its doors, gets smaller or is bought out that have accounts some where else.
There was no blog before the board decided car thief and sexual harasser, Charles Wiggington, wasn't a sexual harasser though a lot of people saw and heard him sexually harass.
I only go to the main office and hate the place.
you are so right the members do not know about the board you need to keep them informed and ask to see if you know a strong person who can run against them. Larry Brown from the union is a strong well known member.
I was at South Pasadena last week. They have a reception desk with no one sitting at it so I walked to the teller area and waited in line with 4 people while 1 teller helped. I saw a girl sitting in member services. The place is depressing and nobody smiles. When I left I looked over to the loan department and there were 3 employees chatting and laughing in 1 cubicle. It was obvious that no one had anything to do. They don't even pretend to look busy. This is not the credit union I joined in 2005. Its just a terrible place full of unprofessionals. The employees reflect the type of managment that runs the place.
Wigg has tried to plan a merger but he's afraid people will say he's a failure (which is only the truth) and no body is interested in merging with priority or keeping Patti, Yvonne, Smock or Saeid. Now Smock says he's ready to retire but he is a money whore even though he has money and properties to keep him living well into the future. Maybe he's afraid he won't be able to keep his husband happy. Wigg knows a merger means an end to his career because no self respecting credit union or bank would want to hire him. You know no one would keep Yvonne. She's one of the reason morale sucks and why they got sued last year. She's rude, low class and a genius in only her dark cold mind. Patti Loiacano could have made something of herself but over the years she mistreated employees, lied for management, and is two-faced. Plus she a huge coward. Saeid is overpaid and unlike most CFOs brings nothing to the table. No company will keep overpaid and useless Robert West in HR because he is not qualified to head any HR department. Esmeralda isn't what you would ever want in HR> He's not too bright, she reeks of barrio, and look at her appearance, it doesn't say management.
Wigg doesn't like mergers. The only reason he'd even consider merging is because he has no other choice though he knows that a merger will mean an end to his overpaid job.
Wigg wanted full control over the credit union so he could make it bigger and better than what Mr Harris did. 7 years later, he's had to close more than 50% of the branches and the person running the place is Diedra. Wigg always wanted to prove he was the man but all he proved was that he's poison to business.
We don't take parts in chapter meetings, chamber luncheons, don't visit post offices, and like the report shows, advertising is the least they can do. When is the last time you got a mailing stuffer or saw an ad for the credit union in any credit union publication? This is a credit union that's already lying on the scrap heap but just waiting to be smashed. Thanks Wigg. Thanks Diedra. Thanks Rodger. Thanks West. Thanks Patti. Thanks Yvonne. Thank you all.
you are so right the sad part is that most credit unions know about P1 and will look hard before taking over as a merger. if your captial goes down below 6 then NCUS will come in and take over.
besied having a big head what is mental wrong with Wigg? really look close and you know he is not dealing with a full deck.
He's managed to keep the CU above the minimum capital limit by closing branches and cutting cost but what happens when he's down to 1 or 2 branches? This man is stupid but the board is even stupider and so is the supervisory committee because they let him do all this to the credit union.
You know Santa Clarita will be the next office to close. After that it'll be between LA and Van Nuys though they should shut down the crappy South Pasadena branch. That place is about as happy as a cemetery.
Anonymous wrote: "This man is stupid but the board is even stupider and so is the supervisory committee because they let him do all this to the credit union."
Wiggington isn't a man. Men don't act like him. You're right, he is stupid but he's also crazy. No sane person acts like him. What 60 plus year old man goes about telling everybody he lives in a $1 million mansion when he really lives in a dog house? What 60 plus year old brags business is good when each year they got to close branches to stay in business? Priority One can’t even pay its bills. Accounting has been told to hold on to bills for almost a month before sending out payment. Wiggington belongs in a home that is far from people where and where he can’t harm anyone and where the only person who is forced to listen to his stories is himself.
Poor dog know wonder the poor dog moved out, who wants Wigg as a room mate!
The name of this blog is “What happened to Priority One Credit union” Ok John you need to change the name as to” What hasn’t happed to Priority One Credit Union” the places is a dump! No service and they make you go thought hoops to get anything done. The call center takes no less than 15 minutes or can take longer than 20 minutes to answer the phone. What the hell I was able to get 5 things done by the time they answer the phone. Went to the drug store picked up lunch got home eat my lunch and still no answers. That call center is a joke! I have been a long time member and they know who I am and still send me though some crap just to get information from them.
Hay call center you have a Car thief! Sexual pervert! Kickbacks from vendors! Liar! Cheater! Moran! Sorry I should have said BIG TIME LIAR running the credit union and you question members like you are running fort Knox? What the hell is wrong with you all? Look at the account and check to see if they are longtime members in good standing and do your dam job. 3 more payments closing my accounts and getting the hell out of that horrible P!
I think “Look What Wiggington did to Priority One Credit Union” is a better title. The place is in shambles. Members used to say the place felt like home. It was accessible and employees were courteous and responsive. Since Wiggington took over the place feels like his home, that shack in the gang infested section of Echo Park.
True, the Call Center staff which are only 3 people with two alternates who help out SOMETIMES, takes a long time to answer the phone. There’s one woman in the center who always answers the phone with the same script, “Can I interest you in a loan today?” How about, listening to the reason why members call and then after you take care of their business asking them if they might be interested in a loan?
Priority One might treat its employees like crap and choose to enforce policy for some and not others, but they treat new members, non-members, and long time members with the same disrespect and inconsideration and everyone has to wait.
There's rumors they're going to close another branch.
Close another branch? Which one? I thought Wiggington and that big mouth Loiacano said business was great! If it isn't Mr. Ghetto lying, its Miss Trailer Trash 1972 telling fibs.
OMG I have been a member there for 35 years and have over $80, deposit in my account . I made a deposit for $630, at a other credit union and they would not release my funds they wanted a copy of the check faxed over I was already home. That's OK I stop my direct deposit on Monday and will be pulling all my money out and closing my account.
The Santa Clarita branch closed on January 31st. John you were so right. Do you own a crystal ball?
Well this proves once and for all that Wigg is the biggest tard in credit union land. What a loser! He's still getting paid $150,000 even though he's caused the credit union to lose branches, money and left employees jobless and without benefits. Nice to see you have an ALL Black board supporting a horrible BLACK president!
There's a bank or credit union that is going to move into the spot where the Santa Clarita branch was located. So sad.
Poor Charles. He's the Justin Bieber of the CU industry except old and ugly. He's lost another branch, tsk, tsk. Like nobody ever saw that coming. This blog is the best thing that could have happened to the CU otherwise no one would ever have found out what a liar, sexual harasser, and thief he is, not to mention he's a dumb ass president who doesn't know how to make business grow though he proves he can make anything small. And look at the freaks he surrounds himself with. Rodger, Yvonne, Patti, Saeid, Esmeralda and West. All dishonest, all incompetent, all liars. They say management sets the tone at any company and nowhere is that more true than at P1.
Pathetic.
Now that we've got only got 3 branches left, time to unload some of the UNNECESSARY overpaid executives starting with Rodger Smock. He was sick for a about a month and while he was away HR ran as bad as it does as when he's at work. He's back but he looks horrible. Time to show him the door and save more than $100,000 a year. No reason why a credit union with 3 branches needs 3 overpaid officers (Smock, West, Esmeralda). When they had 9 branches they only had 2 officers, why 3 officers when you only have 3 branches? Also time to show Yvonne the door. Maybe she can go and haunt some other credit union. They don't need her. Why have a COO for a 3 branch credit union? When Mr Harris was president, they had 7 branches for years and guess what, no COO. Time to get a lower paid CFO because the one we have is overpaid and lazy. Also time to throw Patti back in loans as either an officer or director not an overpaid VP. Cut her pay because she gets too much money for doing nada. And its time to trim the fat and show Miss Joseph Garcia the door. Maybe she can go and get a job as a host at El Torito or a worker (not manager) at Del Taco.
EVERYONE KNOWS IF MR HARRIS HAD REMAINED PRESIDENT THAT PRIORITY ONE WOULD HAVE GROWN AND THEIR NET INCOME WOULD HAVE PROBABLY BEEN $190 MILLION OR MORE BY NOW. THIS IS WHAT HAPPENS WHEN YOU PUT THE VILLAGE IDIOT IN CHARGE.
Wigg the village idiot? If he was the village idiot he'd be way smarter than he's been.
When I worked at P1 the placed had turned to crap. Wiggington and Bea Walker were smug and arrogant. They used to brag about their education but turns out Wiggington is uneducated and lost 5 branches and Bea got fired. When Yvonne and Bea were tight, they used to walk around the South Pasadena office like they owned the place. They used to bad mouth employees right there in the open and used to meet everyday for lunch. Then all of a sudden, they weren't friends anymore and Yvonne started telling people that Bea was stupid and ignorant. Rodger Smock is a coward. He helped Wigg fire lots and lots of employees and he let Wigg get away with slandering people all because old fat boy knows that no other company is going to hire his tired ass. Then you got Joseph Garcia, the biggest moron in town. The man is a moron. Stupid as heck and incapable of learning. His kiss ass tactics don't work anymore, well, maybe they do because Wigg keeps him close. Garcia used to be real close to Bea. He used to follow Bea around the office like he was her dog. Then all of a sudden he starts telling people Bea is out to get him, that she uses illegal tactics to get rid of people and that he's afraid he's going to be fired by her. These people have no loyalty to the credit union and none to members and especially, none to each other.
Smock is human toilet paper.
Why do they have Smock, West and Esmeralda in HR when they only have 3 branches? This is a credit union run by a moron and a board that are the Flavor Flavs of the whole industry.
Years ago, after Wigg was investigated for sexual harassment, the credit union hired a consultant who came to South Pasadena to speak to all of us about sexual harassment. At most credit unions its HR that speaks to employees about sexual harassment but not at priority because they're not qualified to do so particularly Smock who always broke policy and for years let Wigg sexually harass. On the day of the meeting which should only have been ONLY for Wigg since no one else in the history of the credit union ever sexually harassed other employees, we were forced to sit at the front of the room while the entire ignorant, uneducated hillbilly board sat at the back. I remember that bitch Diedra sittig there like she was the queen of the credit union. It was enough to make you throw up. She even told some employees to sit at the front because they needed to hear what the consultant was going to say. Why? No one but Wigg sexually harassed and she let him sit in the back like he was her "boy." We all knew that Diedra brought Wigg back when he should have been fired. Diedra has broken policy and laws for years and years and its because of her, that he got away with violating federal law. Its also because of her that the credit union closed 6 branches in 3 years. Wigg should have been fired long ago but Diedra should have been removed from the board. She's a woman with no ethics or morals and she will violate laws because she really thinks she has a right to. She is a hypocrite and its so obvious that she is motivated by color and not right or wrong. She should be shipped off somewhere far from human beings.
So Wigg is the Frankenstein monster and Diedra is Dr. Frankenstein.
To Wiggington:
You were so busy going after employees you said were leaking information and making up stories and slandering anybody you thought was out to get you and everything that was said about you turned out to be true you loser. Everybody said you would ruin the credit union because you sucked when you were the VP of operations and everyone knew you sucked when you would tell those tall tales about how you had sex with so many fat women. And everyone knew you sucked when you bad mouthed Mr Harris and anybody that had worked for him but guess what you lost 6 branches and you caused a lot of people to lose their jobs and you ruined the credit union so that its a joke in the industry. Way to go loser. Maybe you can get one of your imaginary fat girlfriends to take you in when the doors close down at the old credit union.
Priority One is closer to shutting down than it was 3 years ago. 6 down, 3 to go. Wonder which office is next?
Notice of Nominations by Petition The Nominating Committee of Priority One Credit Union is seeking qualified candidates for positions on the Board of Directors & Supervisory Committee Read details here
Wonder how his meth selling son is? Another chip off the old block. Guess breaking the law runs int the family.
So they're having elections again? Does it matter anymore? The credit union is on its way to closing forever. When it does, Wiggington and Smock will have nice pensions to keep them going the rest of their lives. Well, that is if Wiggington doesn't get his cancer back which will probably happen because of all the things he's done (I'm not joking or being sarcastic). Smock is not well. He looks more horrible than usual so hope he enjoys all that he has for the few years he's got left (I'm not be sarcastic. He's old and he's sick). Diedra won't get a pension but she'll always be knows as the last Board Chair who destroyed Priority One. Yvonne's told all managers to push sales and to cross-sell, problem is, less and less members want loans at least they don't want Priority One's loans. Sales now trump everything else including service. Wiggington is desperate for new business but he's got no marketing, no advertising, no business development plus he's the biggest dufus in the entire industry. Doesn't sound like a plan for success does it (now I'm being sarcastic)?
I heard they fired Saeid-at least one step in the right direction
Did they fire Saeid? Has anyone noticed that Wigg ruined the credit union but he gets rid of everyone else. Wigg should have fired himself first. That'll save the credit union $150,000 plus a year. Also fire Smock because that old woman doesn't do a damn thing. He just shows up to work to collect a check. Then get rid of Esmeralda and the devil- Robert West. That's a good place to start. Has anyone heard of a CU that doesn't have a CFO?
Sure there are credit union's with a strong management team and a good accounting team who don't need the expense of a CFO. This little piece of c*** CU didn't need a CFO who makes $135K. Besides this guy was never REALLY a CFO or a teamplayer, fits right in with the rest of P1 management.
If they didn't need a CFO before they need one less now that they're down to 3 offices. Actually, you don't need Wigg because he's only a president in name. You know that they keep Rodger because he's loyal like an old beat-up dog.
They fired 1 unnecessary self serving manager. What about Wigg, Smock, West, and Big Foot? And how about Esmeralda? None are what you would want in a self respecting business but the credit union isn't self respecting or much of a business anymore.
First they close Airport and next they close Santa Clarita and now they can the CFO. GUESS WHO'S HAVING TO CUT EXPENSES AGAIN? Guess Shared Brunching and charging members ridiculous fees isn't cutting it..
Wow! I cannot believe what I just read. A friend of mine just told me about this website.
Is it any wonder this credit union is shrinking? $323,000 for attorneys?!!! $2.5 million in fees charged to members?!!
Unbelievable.
What kind of an institution is this? Where is the board of directors.
As I said, it is no wonder this place is shrinking ... it looks like myself and my wife are going to help it shrink down a little further.
We knew interest rates were down so we really didn't expect much of a return the past few years.
Now I see this FRAUD is gouging my former fellow postal workers with absurd fees, lining his pockets and not working when I was led to believe my funds were being used to make loans to Posal Workers. This is a FRAUD.
The credit union will continue to shrink when we start emptying our accounts in the coming weeks.
THIS PLACE IS A SHAM. I have a friend that is a News Director for a TV station and he is always bugging me for stories .... well, he gets to read about a good one tomorrow.
WHAT A DISGRACE.
Wow! I never thought of it, but if Priority One's President and Board and levying fees and charges (like a bank) and denying most loan applications they receive, then yes, its fraud. Definitely members are not their number 1 priority and helping people is not something they've done since Charles was named president. The board is made up of uneducated morons who don't understand financials and who do what Diedra wants. Its like they're all brain dead and even though they see the credit union going down fast, they won't do a thing. Diedra has let the credit union waste hundreds of thousands on a COO who created trouble (like Wiggington), on a CLO who couldn't do the job, on paying a salary to Charles and Rodger, on a call center that don't work, on new carpeting, new drapes, on new floors for the employee lounge room.... For a place that's supposed to teach members how to save, this company not only over spends but they are outright dishonest and so corrupt.
It is a disgrace.
Anonymous wrote:
"THIS PLACE IS A SHAM. I have a friend that is a News Director for a TV station and he is always bugging me for stories .... well, he gets to read about a good one tomorrow."
I know a lot of employees who were fired after Wigg made up stories about them that weren't true and I know others who quit because they couldn't stand working in such a horrible environment. People have had different experiences but all know something about Wigg's dirty dealings. I know a lot of them would live to be interviewed. They have a lot to say. A reporter will see that they all have similar stories about how it was to work for Wigg and how Smock, West and Esmeralda lied for him as well as the things Bea, Cindy, Yvonne, Gema and Joseph have done. This is whole group should be sent off to some empty island where they won't have contact with human beings. Knowing them, they'll kill each other.
So is getting rid of Saeid supposed to save the credit union? They just closed 2 more branches and they have no marketing. Does Wigg and the board really believe that now they'll be able to continue doing business? I want some of what they've all been drinking.
I think getting rid of Saeid was a step in the right direction but they should have first gotten rid of Wiggington and Smock, followed by West and Esmeralda. Nothing but a bunch of useless hacks who lie, rob and have made a mess of the credit union.
The board needs to go,first!
Oh Charles, you must have hit you little head on the bathtub before going to work. I just got your offer for a Tax loan for 13.99%. Don't you think SOME members can read? You offer a Personal loan for 9.99% and as you know, they're the same loan (or supposed to be) with a different promotional name. Now why would anyone want to take out a Tax loan at 13.99% when they could get a Personal loan for 9.99% You've become the laughing stock of the whole industry. You're a joke. You're sneaky but so sloppy that we always find out what you're up to. You make decisions without anyone verifying the information you guys put out. Actually its not you guys, its you. You're the reason for all of P1's problems.
PS: Well, Diedra, the board and you are the problems at P1.
You guys are terrible. Wigg can't help who he is. Anybody who loses an entire credit union, slanders employees, lies on the financials, sexually harasses, surrounds himself with managers who don't do a thing and don't know a thing, hired Bea and Cindy, promoted Joseph Garcia, and is best buds with Smock has got to have a lot of problems. He's a perfect candidate for NON-CELEBRITY Rehab and maybe should start riding on Yvonne Boutte's little yellow school bus.
Does anyone remember when Esmeralda Sandoval used to get mad and tell employees that the blog was full of lies and written by people who wanted to see the credit union fail. She would get so mad and threaten to write people up who talked about the blog (ah, talking about the blog was not a violation of policy but why would she know that when she's a dumb ass?). She told some of us that we had to tell her who reads the blog. She used to say the blog was nothing but lies and that business was reallyt good. Guess she was sleeping or eating when they closed 6 branches. She also said Wigg didn't do any of the things the blog said he does. Is that why they paid out settlements to 3 former employees? She used to say Bea was looking out for the employees and had brought in lots of money. Is that why they fired Bea for not doing her job? She also said Cindy was a great director. Is that why they fired her 3 days after Christmas in 2012? Esmeralda and Wiggington must be Siamese twins connected at the head.
I got the offer too. After I read that comment I checked the website and a personal loan is 9.99% but the tax loan is 13.99%. I swear that credit union is run by morons.
The tax promotion was run at 9% when Mr. Harris was there, abd the normal rate for a personal loan was 13%. your right dumb shit Wigg is done it again. and as for Esmeralda and Garcia take a good look at them they lie big time make things up about employees and then play dumb.
Remembner the wrong you do will some day bit you hard and you will get back twice for the lies and the cheating you do.
The reason why the Tax promotion was advertised at the 9% rate when Mr Harris was president is because it was a special promotion. Mr Harris and the marketing director understood that a promotion was a special product with a lower rate. Stupid Wiggington doesn't understand that. He thinks a "special" should charge a higher APR. Stupid. The man doesn't understand marketing that's why he destroyed it the way he destroyed the credit union and a lot of careers.
Esmeralda and Garcia are stupid. They know they can't get jobs anywhere else. What is their real talent. She was an ok admin assistant but she sucks at HR just like West and Smock. She lies because Esmeralda is the ultimate hypocrite (next to West). She used to say "I'm a Christian" but guess what, a true Christian doesn't back stab, doesn't lie, doesn't compromise right for wrong, doesn't shack up with their boyfriend and doesn't get knocked up. If you're going to call yourself a Christian then at least try to obey the Bible you supposedly believe in.
They're all horrible no matter what they believe in. Birds of a feather flock together that's why Wigg makes sure he's surrounded by people that are just like him.
Esmeralda needs to think about what she has done and to whom she has lied about and to whom she has told a lie to. the she needs to understand that she is not God and quit playing with peoples life.
Esmeralda and West sold their souls to the devil a long time ago and for what?
Well fat girl sold her soul because she has nothing going for her that would land her a title like what she has a the credit union. Same for West who would sell his mother for a buck.
Diedra and the board are totally at fault. I don't understand what's wrong with any of them. Wiggington used to say they were ignorant about financials and didn't understand the credit union reports but apparently he doesn't either. Its like their mentally handicapped (well I believe Glen is and Gathers was and for that matter, so is that 1970's pimp, Bobby Thomas).
Wigg is so dumb, he probably thinks President's day is about him.
Maybe not the worst credit union but really one of the worst and what a horrible environment at South Pasadena. The place is like a morgue.
Its like Transylvania where Dracula (Wiggington) goes around sucking the life out of everybody with the abominable snowman (Smock)helping to wreck the place.
We been told we got to get loans but not to many people come to the credit union anymore and people aren't calling for loans. Business is so bad and how do you get business when people don't want loans?
Wow. You're almost at 90,000 readers. How many people visit your blog a day?
I called the credit union today and waited for 35 minutes until someone finally answered the phone. I told Tina, the person who answered the phone, about how long I waited on the line and she replied, "That's alright, we're working on it!"
What a moron! She doesn't understand what member service is. I wanted to bitch slap her over the phone. I'm closing my account on Friday along with the accounts to my wife, 2 sons and daughter.
Enough is enough. This isn't the first time I have to wait and wait and this isn't the first time I have to speak to a moron. Management is jacked up so its no wonder they hire jacked up people.
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