Complaints
This profile includes complaints for Legacy Community Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 1 complaint in the last 3 years.
- 1 complaint closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.
Initial Complaint
Date:08/20/2024
Type:Status:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
On 8-14-2024, I received a notification of a change to my credit report and score. After researching the source of the change, I found that Legacy Community Federal Credit Union had reported a 30-day late status of my **** credit card account. I immediately paid the amount shown due ($373) and began to investigate further, as I recalled making a recent payment. Upon further investigation, I found that the payment of $230 that I made on 7/19/2024 had been returned to my account. As I continued searching to gather insight, I found that the payment I made on 8-14-2024 of $373 had also been returned to my account. After making several phone calls over the following few days with no resolution, I went into the branch and spoke with ******. ****** called card services and collections (******) to gain clarity, and I was ultimately told that I cannot pay the **** credit card from my savings account online, and that there could not be a correction made my credit report. For context, this is not my primary account. I use this account to pay 3 accounts.My ********** Each time I made the payment, the transaction went through and noted the account as paid. I logged off and assumed it would remain that way.2) I have never been informed that payment could not be made from my savings account via online banking. 3) Today, 8-20-24, I was told, by ****** via ****** in collections, that the minimum payment was drafted, this morning, from the very account I'm being told that I cannot make a payment from because "the payment is late, and funds are available in the account, so you don't have to make a payment today if you don't want to." I logged in to check this, and there is no record of a payment being drafted, placing me at risk for another credit reporting issue due to misinformation.Due to having no notice of non-acceptable payment logistics, confirmed attempts to pay account on time, and misinformation, I would like the 30 days late deleted from my credit report immediately.
Business Response
Date: 09/04/2024
Upon reading the complaint, and reviewing ****************' account, we have made the correction to her credit report. **************** attempted to make a credit card payment by ACH through her savings account, which is a non-transactional account with ********************** CFCU. It appears that the issue has been resolved, as a payment has been made by direct transfer instead of attempting an ACH. Again, we have made the correction to her credit to show that she was not over 30 days behind.
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