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Business Profile

Credit Union

Redstone Federal Credit Union
BBB accredited business seal
BBB Accredited BusinessA-Rated by BBB

Complaints

This profile includes complaints for Redstone Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Redstone Federal Credit Union has 2 locations, listed below.

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    Customer Complaints Summary

    • 3 total complaints in the last 3 years.
    • 2 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The 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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/12/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
       
      Complaint: 23052183

      I am rejecting this response because:
      It does not answer the question why conduct a credit check if your policy will not let you approve a loan? The purpose of a credit check is to determine the credit worthiness of the applicant. There is no reason to check the worthiness if you are not approving the loan. 

      Sincerely,

      ***** *****

      Business Response

      Date: 03/17/2025

      Thank you for sharing your concerns specific to your recent loan application with Redstone Federal Credit Union. Feedback is always appreciated and creates opportunities for us to examine our service to our members and communities. We have sent you an email with further details surrounding your BBB Complaint.

      Thank you again for your feedback. Please feel free to contact us with any questions or concerns.

      Business Response

      Date: 03/25/2025

      ********* we are sorry you did not receive our email.  We have resent it to you today, March ******* to the email address on this BBB correspondence.  

      Business Response

      Date: 03/28/2025

      As a financial institution we are prohibited from discouraging a consumer from submitting a credit application. We disclosed, in writing, that a hard inquiry would occur regardless of whether or not you intended to occupy the vehicle. It is ultimately the consumers decision to authorize a hard inquiry on their credit file. We appreciate your feedback and look forward to serving your financial needs in the future.

    • Initial Complaint

      Date:10/02/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      I am writing to bring to your attention the fraudulent activity on my credit report as I have recently discovered multiple errors. I am a victim of identity theft, and I have filed an official complaint with ***************** to address the situation.Upon reviewing my credit report, I found the following accounts that were opened without my knowledge or authorization:Redstone FCU Opened Date: 10-Feb-21 Account Number: *********** Balance: $34,966 These accounts are not mine, and their presence on my credit report is a direct result of identity theft. I appreciate your prompt attention to this matter and would like to know the next steps in getting these inaccuracies corrected on my credit report.

      Business Response

      Date: 10/10/2024

      Redstone Federal Credit
      Union (RFCU) takes all claims of fraudulent activity seriously and investigates
      any claims of ID theft. Based on our investigation, which involved confidential
      information available to RFCU, we cannot confirm your claim of this loan being
      the result of ID Theft. Please reach out to our Fraud Department Management at
      1-800-234-1234 to discuss what evidence we reviewed during our investigation
      and to determine what may be needed from you to re-open your claim. If our
      Fraud Management Team does not hear back from you regarding this matter, we
      will consider this situation resolved.

    • Initial Complaint

      Date:02/12/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      I am not liable for these debts with Redstone Federal Credit Union. These debts were written off **** years ago and should no longer be on my credit report.

      Business Response

      Date: 02/12/2024

      Upon receipt of the BBB consumer complaint, all accounts were researched in accordance with our guidelines. Weve researched your statement about the time frame for reporting and confirmed that the date of first delinquency falls within the timeline outlined under the Fair Credit Reporting Act. The Fair Credit Reporting Act is a federal law enacted to promote the accuracy,fairness, and privacy of consumer information contained in the files of consumer reporting agencies. As such, we are required to report accurate information related to consumers credit history. Additionally, any debts outstanding remain owed to the credit union.

      Should you have any questions, you can reach us at **************.

       

    Redstone Federal Credit Union is BBB Accredited.

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