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Business Profile

Credit Union

Copper State Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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Copper State Credit Union has 11 locations, listed below.

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    Customer Complaints Summary

    • 9 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:02/26/2025

      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.
      I have had an account with this bank since opening an *** with them over a decade ago, I have given them instructions on what to do with that money several times and they have refused to follow my instructions each and every time. Recently I told them that I am done and wish to close my account and have them close the account and send me a check. They promised it would take no more than two weeks but it has been over a month at this point. I am tired of them STEALING from me and just wish for them to finally listen to me and do what I have told them to do rather than steal my money from me like the lying thieves they have been.

      Business Response

      Date: 02/26/2025

      I called ****** ******** at 4:45 pm on 2/26/2025 and he said to disregard the complaint as he believes he had the wrong credit union.  I confirmed that we do not have a member by his name, address, phone or email.

      Thank you,

      **** *****

      CEO

    • Initial Complaint

      Date:05/29/2024

      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 called ***** to get temp block of debit card the over sea people just hange up on me then transfers me to automatic system tell me jo ***** alerts on acc, tryed to get it unblocked my debit card that verified the info still jot unblock what I do to get it unblocked thanks

      Business Response

      Date: 06/07/2024

      I spoke with ************ today.  A card purchase he made triggered a fraud alert which blocked his card and he was notified via text.  He affirmatively responded that it was valid but the block was not released and it took some time to resolve.  This is a service issue with our Card Processor/Fraud Monitoring Partner and is being addressed.  I apologized to ************ for the less than optimal service he received and verified that he has had no other issues since then.  He was satisfied with my response.

    • Initial Complaint

      Date:05/17/2024

      Type:Order 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.
      As another complainant as mentioned in a similar complaint. I also have been charged $92 for what Copper State is calling ******************************* since they could not verify proof of insurance on the vehicle I have a loan with them on. I did not receive any phone calls or emails about this issue from them to resolve before they started to charge my loan account with interest. After going through old mail I was able to find a letter from them on this. I would think that if they can send promotion emails to me every day, that they would easily be able to send an urgent account need request for my attention. I just uploaded proof of continual full auto coverage without any lapses for the full term of the loan. I attempted to call them to discuss but I could not get through to anyone. I would like to have the $184, for 2 months of CPI they charged to my account just a few days ago, refunded.

      Business Response

      Date: 05/24/2024

      We have documented attempts to reach ******************** going back to November 2023.  Late November, we did receive a policy, but it had a $1500 deductible, our requirement is not to exceed $1000.  Throughout the following months, additional attempts were made to reach him.  We are now in contact with the member and working with him to resolve this matter.  The most current policy we have meets the $1000 deductible requirement, however, it does not list Copper State Credit Union as the lienholder.  We last reached out to him via email on May 22nd explaining this requirement.  Once we can verify that the credit union is listed as lienholder on the policy, we will look at refunding ******************** the *** premiums he was charged.  

    • Initial Complaint

      Date:02/21/2024

      Type:Billing Issues
      Status:
      Unanswered
      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.
      This credit union has consistently charged me $92 every month for 4 yrs stating I have not carried complete auto mobile insurance on my 2020 corvette stingray. My auto insurance on the corvette ( Amica) has provided constant letters of complete auto coverage. According to my insurance company,Amica, they have sent numerous copies, made numerous phones calls and have even documented Copper State Bank calling them and speaking to ******* on August 2nd 2023 and verifying that I have Consistently carried full coverage on this vehicle. Copper State Bank has refused to reimburse ANY of my money to the time of over $4000 in the last 4 years!I know that if this is happening to me, there must be tens of thousands of other clients who are having $92 a month stolen from them every month. They tack it on to the end of you car loan which you are ALSO paying interest on. I want the charges removed and interest charges reimbursed.

    • Initial Complaint

      Date:04/25/2023

      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.
      Copper State says they have a password on the account (verbal) that I never set up, nor has it ever been asked of me in the prior calls I have made to Copper State. I called, because I was injured in a 5 car pileup, and my car was completely totaled, and my insurance needs to pay out the car loan. Copper State won't speak with me, their agents are aggressive and refuse to escalate me for assistance; they don't understand that a car accident victim without a car, without the capability of driving, cannot come into the branch to resolve. I still have not been able to pay my loan and they will not *************, they will not call me back, and they are threatening to ruin my credit score via non-pay, but refuse to help me gain access to the payoff to satisfy the loan. They seem to enjoy the cyclical torture of their patrons, and I would never bank with them again.

      Business Response

      Date: 05/03/2023


      The member called in to request a payoff on the vehicle but the ** rep was unable to verify her identity on multiple occasions.  CIP policies require adherence to these rules, however, common sense should have come into play as the member only has a loan, through indirect lending, and the required primary share that has not been used.  There would be no risk in providing a payoff to the member in this situation as verification of the vehicle could be performed.  This is a training opportunity for the team which has been discussed. *************************, **************** Asst ******** spoke to the member on 5/2/23 and explained the above and provided the member with her payoff.  She also stated that she has an attorney that is working on getting the balance and has obtained an agreement from the 3rd party involved to pay off the balance after the insurance has paid.  The member would have been advised that if she went over 30 days late on her payment, regardless of the total loss situation, it could/would be reported as a delinquency to her credit report and that she is still responsible to make payments until the loan is paid off (per the Security Agreement).  As a courtesy and given the issues above, the delinquent payment has been removed from her credit report.  

      *********************** ************************ - Account Recovery

    • Initial Complaint

      Date:02/17/2023

      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.
      Back in 2017 I lost my job at 15k a month abruptly when my employer came under investigation by the SEC and shut down. As a result, my car was repossessed by the lender Deer Valley CU. The loan balance was just over $20,000 and has been on my Credit report ever since. That's fine but sometime since this CU changed its name for unknown reasons to Copper State CU who also reported to Trans Union ANOTHER repossession and balance of over 20k against me for now a total hit on my credit report of over $40,000. I will take the hit on 20k but these people have tied up my credit for double and I have submitted written disputes to Trans Union and talked to the loan officer ********* who has been rude on several occasions telling me there's nothing he can do and to take it up with Trans Union when they are the ones who reported the same repo to trans union twice. The same ********* lied during the repossession process and I suspect he is the one who bought the vehicle for only $1500 when they loaned me over $20,000 on the car. I have been unable to get around this man to a supervisor.

      Business Response

      Date: 02/22/2023

      We have researched and discovered that the Transunion file was showing as a "charge off" rather than properly reporting as "transferred to another lender" (which in this case is our new name Copper State CU).  We have submitted a correction to Transunion today to make this reporting change.  We have attempted to reach out to the borrower but he has not responded yet. 

       


    • Initial Complaint

      Date:10/06/2022

      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.
      I financed an automobile with them. I always paid on time and paid off the loan early. I was told it will take 3 days to release the lien. After a week I saw that the lien was not released so I called them back. I was told it will take longer. The loan was paid off on Sep 16th. Since then I have called at least 8 times and every time they give me some excuse or the other. I've asked to speak to the manager and they will not talk to me. I am trying to sell the car and have a deposit from the person who wants to buy it but the credit union is not releasing my lien. I am attaching a statement showing zero balance. Please help !!

      Business Response

      Date: 10/14/2022

      We have researched and determined that the auto title has been released on October 10th.  Our normal service level agreement for auto releases is 10 business days, and we cannot determine where the information **************** received regarding 3 days was received.  It did take longer, and we have sent an apology to the borrower via email.

       

      Hello ****************,
      I want to apologize for the delay in the release of your auto title after payoff.
      I am not sure whom provided the information that it takes 3 days to release an auto title, but you were given inaccurate information.
      The normal service level agreement is 10 business days to process the release and ensure that all steps have been taken and processed properly.

      I have checked and it did take longer than the 10 days and we apologize for any inconvenience that this may have caused you.  Your title was released on October 6th, so you should have already received word.  If you wouldnt mind providing the source of the inaccurate information, this would be a very good training opportunity. We take this seriously and want to ensure our members are receiving the best possible experiences we can provide.

      Again, we apologize for any inconvenience.  Please let me know if I can be of further assistance.

      Kind Regards,

    Copper State Credit Union is NOT a BBB Accredited Business.

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