Complaints

This profile includes complaints for OneAZ Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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OneAZ Credit Union has 20 locations, listed below.

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  OneAZ Credit Union

  2355 W Pinnacle Peak Rd Phoenix, AZ 85027-1280

  
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  OneAZ Credit Union

  2277 W Guadalupe Rd Gilbert, AZ 85233-2808

  
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  OneAZ Credit Union

  601 W State Route 89A Cottonwood, AZ 86326-4148

  
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  OneAZ Credit Union

  321 S Beaver St Flagstaff, AZ 86001-5640

  
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  OneAZ Credit Union

  1335 Gail Gardner Way Prescott, AZ 86305-1684

  

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.

• Initial Complaint

  Date:07/03/2025

  Type:Product Issues
  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.

  I am the Trustee of my deceased father's estate and live in the state of ********. The trust has two primary accounts valued at ~$528,000. I am trying to administer my fiduciary duties as trustee and OneAZ Credit Union has been completely unresponsive to phone messages and emails for several weeks with multiple attempts per day to reach the banker that was assigned to assist. I can no longer work with this institution and would like to transfer all funds to a local bank in my own state. I would like them to wire all funds immediately to the trust accounts I have set up here for that purpose.

  

  Business Response

  Date: 07/07/2025

  OneAZ has responded to our member's complaint. A branch manager will reach out to the member on 7.7.25. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

• Initial Complaint

  Date:04/15/2025

  Type:Billing Issues
  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.

  I have an account with one AZ *********************************************. I had paid a small amount of money owed on a line of credit but missed .02 cents. One AZ called me, sent me a letter and showed a delinquent payment due on this account to all the ********************** scoring companies. I had already paid the .02 and all this was done. I have done business with one az for over 20 years and NEVER HAD ANYTHING GO DELINQUENT and then it was for .02 cents. This needs to be taken care of immediately and I will close my account and rest assured I have told many people about this and warned them about doing business with one az credit union.

  

  Business Response

  Date: 04/17/2025

  OneAZ has responded to our member's complaint. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

• Initial Complaint

  Date:03/31/2025

  Type:Billing Issues
  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.

  Better Business Bureau Team,I am writing to demand the immediate return of my 2025 Tesla Model 3, which was unlawfully repoBssessed by **One AZ** on **March 15, 2025**. Since **March 14, 2025**,I also request the **liability insurance details** for the vehicle to file a claim for the stolen items.Key Issues:1. **Unlawful Repossession and Theft of Devices** On **March 15, 2025**, **One AZ** repossessed my vehicle without prior notice. The loan was only three months old, with **no missed payments**. Since **March 14**, I have not had access to the vehicle, and I **consider it stolen** due to the lack of information. During the repossession, critical devices were **stolen**, including: - iPhone - iWatch - iPad - Android phone - Mobile hotspot - Tesla USB drive These devices are crucial for managing my medical condition (seizures) and performing my job responsibilities. The theft of these items has severely impacted my health and livelihood.2. **Damage to Credit Report** Despite no late payments, my credit score has dropped significantly from **734** to **599** following the repossession. I request **immediate correction** of my credit report to reflect the accurate status of my loan.Immediate Requests:1. **Return of Vehicle and Devices** I demand the **immediate return** of my Tesla Model 3 and all stolen devices. The vehicle must be either **refinanced or traded in**, and the stolen items must be returned.n in full and either refinance or trade it in within **7 days** of receiving the vehicle.4. **Correction of Credit Report** I request **immediate correction** of my credit report to reflect the accurate loan status.If my vehicle and devices are not returned tomorrow, I will report the stolen items includet it vehiclt o authorities and pursue legal action, including **Chapter 13 bankruptcy proceedings** and **criminal charges** for theft and grand larceny.Sincerely, ******** *****

  

  Business Response

  Date: 04/01/2025

  Tell us why here...OneAZ has responded to our member's complaint. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

• Initial Complaint

  Date:02/12/2025

  Type:Service or Repair Issues
  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.

  Dear ******** ***********,I am writing as the Executor/Trustee of ****************, regarding your institutions wrongful denial of a trust account based on the mischaracterization of the trust structure and improper legal determinations made by the bank. Your refusal to open a Simple Living Trust Account is a clear violation of federal and state anti-discrimination laws, including but not limited to: 1. Equal Credit Opportunity Act (ECOA), 15 U.S.C. 1691 et seq., which prohibits financial institutions from discriminating against applicants based on legally impermissible classifications. 2. Civil Rights Act of 1866 (42 U.S.C. 1981), which guarantees all persons the right to make and enforce contracts, including banking services, free from discrimination. 3. Fair Housing Act (42 U.S.C. 3601 et seq.), which extends protections to financial transactions related to trust accounts. 4. The Fourteenth Amendment Equal Protection Clause, prohibiting arbitrary discrimination by institutions serving the public.Your assertion that this trust is a complex trust is legally incorrect and unfounded. The *** LIVING TRUST is a Simple Living Trust, properly structured in compliance with applicable laws and requiring no excessive oversight or special categorization beyond that of a standard revocable trust. Your institution has no legal authority to unilaterally reclassify the trust into a "complex" trust absent legal evidence, nor does it have discretionary power to deny services based on speculative ************** denying banking services based on an arbitrary determination, your institution is engaging in discriminatory practices and violating the rights of the Trustee, Executor and Beneficiaries.We formally demand that your institution: 1. Immediately cease and desist from any further discriminatory practices and provide equal banking services as required under federal and state law.

  

  Business Response

  Date: 02/13/2025

  Tell us why here...OneAZ has responded to our member's complaint prior to this BBB complaint being filed. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB. 

• Initial Complaint

  Date:02/10/2025

  Type:Billing Issues
  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 or about December 11, 2024, I opened accounts with ********************** at their *************** branch, depositing over $5,000 accumulative in the accounts since opening and suspension. I was assured no additional documentation was needed for lending under $100,000 given my 730 credit score and favorable DTI ratio.On January 22, 2025, ******* Arnore *************) at the ********** branch confirmed this policy in a recorded conversation. The business banker clearly recites that the new policy with the credit union is that if your debt to income ratio and creditworthiness are favorable 730+ and DTI then the bank would not need financials for any lending business or personal under 100k. This is the same information I was told upon opening the accounts in ****************On January 24, 2025, at the same Scottsdale branch (*********************), auditor **** ******* called the branch and demanded additional documentation (4506-T form), threatening account suspension without cause. This contradicted all previous encounters with the other bankers . Later that day, my accounts were suspended without notice and with no opportunity to cure.Since then:1. I'm denied access to my funds and online banking, including statements.2. OneAZ refuses payments but continues credit bureau reporting.3. No written explanation provided despite requests.I can't manage finances or verify payments, which is alarming.Transaction details:- Dates: December 11, 2024 (opening), January 24, 2025 (suspension)- Amount: Over $5,000 deposited - Commitment: Honor full account access without extra documentation for lending under $100,000 Dispute: Unjustified account suspension, access denial, payment refusal, continued credit reporting.OneAZ hasn't attempted to resolve the issue despite multiple requests.Desired resolution:1. Reinstate accounts and online access 2. Provide missing statements 3. Explain suspension reasons 4. Ensure consistent future interactions

  

  Business Response

  Date: 02/11/2025

  Tell us why here...OneAZ has responded to our member's complaint. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

• Initial Complaint

  Date:01/29/2025

  Type:Product Issues
  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.

  I have banked with Oneaz CU for several years. I have had fraudulent charges on my Debit Card maybe 6 times. Very unsettling and inconveint. I left on a 2 week vacation the last week of October 2024. I thought I saw fraud on my debit card. It was after hours for bank so I called **** to cancel it. It was canceled. Hugely inconveint on vacation and it is the only card I had then. I felt confident that my funds were safe......Wrong!I got back and went in and got a new card a couple of days later. I was confident that my account was safe as it had ******* dollars in it. I wasn't concerned because I hav only ever had money stolen through the debit card.I tried to access my account and couldn't get in. I assumed I didn't have the password right and wait a few days and try again I had just changed my password but I changed it again and got in. I was shocked to see aprox ****** missing and many many illegitimate transactions.This Was Not my Debit Card. Money was being stolen straight from my checking account. When they told me that because someone had hacked my phone that they were not responsible so the entire loss was 100% my fault I was ********** take on this is that the banks security must be Antiquated. Computer monitering should have sensed something very unusual very wrong. Nope it slid right past old ***** without a vacuum tube flickering! It's been a week im locked out of my account. I can't look at the transactions. They said they would review it and get back to me. Didn't say when. Probably not pressing for them since they declared themselves not liable. My daughters are both attorneys and I need advice. This is not as cut and dries as OneazCU makes it seem. It's outrageous that money in a bank can just be taken in this amount and not noticed by security system. This week they sent notice to customers that they were experiencing fraud. Yeah ******

  

  Business Response

  Date: 01/29/2025

  OneAZ has responded to our member's complaint. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.
  

• Initial Complaint

  Date:12/28/2024

  Type:Product Issues
  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.

  So my account got closed because i was negative after filing two disputes i was recharged and they said the companies provided proof i requested that proof because i knew there was none and when i received the proof their was no proof picture of my delivery and my second dispute said i had cancelled which i never said i cancelled i said i didnt receive my order so not only did this bank no do their job right but recharged me and closed my account

  

  Business Response

  Date: 01/07/2025

  Tell us why here.OneAZ has responded to our member's complaint directly via email. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB...

• Initial Complaint

  Date:12/11/2024

  Type:Service or Repair Issues
  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.

  I have a ************* of Attorney filed with the bank so that I could help my mother handle her accounts. She has dementia which has been developing for the past several years and cannot pay her bills. I was told that in order to setup online access I would need to open a savings account to be linked to my mother's checking and credit card accounts. The accounts are in a trust to which I am also a member and have those documents on file as well. For some reason, I was added to credit card account and the that account has been showing up on my personal credit ***orts. I have been to the branch on **** ******* Way in ******** a couple times and have called on the phone several other times and each time I am told the credit card will be removed from my name and that it will be removed from being associated with my personal SSN. I still need to be able to maintain on line access. None the less, the ** account remains on my personal credit ***orts and I just picked up my mom's mail from the assisted living facility where she now lives and behold, 2 new credit cards with the same number and code and in both our names. I just called again and after about a 10 minute hold to speak with an customer *** and then another 35 minutes on hold as she was having a specialist review the account, I gave up and hung up. I cannot waste any more time dealing getting a ** I did not ask for and cannot get rid of. How can such a basic thing be this difficult?

  

  Business Response

  Date: 12/13/2024

  Tell us why here...OneAZ has responded to our member's complaint via direct email. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

• Initial Complaint

  Date:12/02/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  I opened an account with ****************, and they sent two micro-deposits to ONE AZ credit union so I can make a money transfer. *********** account was opened on 11/11/2024 and have sent micro deposits to my ONE AZ account and they have been cancelling the micro deposits in retaliation because I want to close my account with them. I have called the bank manager and complained about this, and they are in denial and claim they do not that. A complete lie!

  

  Business Response

  Date: 12/03/2024

  Tell us why here...OneAZ has responded to our member's complaint. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

  Customer Answer

  Date: 12/04/2024

  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me.  I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
  
  Regards,
  
  **** ******
  
   
  

• Initial Complaint

  Date:11/21/2024

  Type:Billing Issues
  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.

  My account with One AZ was closed after learning of suspicious activity on my account with Fidelity Investments. The DIFFERENCE between Fidelity and One AZ , Fidelity actually reached out to me to see if I made any changes recently or any other activity that I was aware of. Fidelity discovered that my account had been HACKED. Fidelity went through with me, explained that someone must've hacked my account trying to make fraudulent deposits scarring my name. Fidelity actually helped by creating anew online identity AND closed the affected accounts. I am very happy with Fidelity. ONE AZ arbitrarily CLOSED the one account I had with them without communicating with me. I found out because I have someone actually funding a loan, I went INTO the branch to get my routing/account numbers to get the funding to pay my rent, which now is in eviction status DUE TO THIS CLOSURE WITHOUT INVESTIGATION because I cannot get these funds. Since ONEAZ closed this account with no investigation or notifying me and their flagging me on cheksystems, MY USAA account is questioning the funding of a legitimate loan from a legitimate loaning source, Lending Tree. ONE AZ needs to make this right by removing this flag. I do not want anything from them other than a written apology available to the world showing they acted in haste and in poor judgement and a letter to all parties involved in the funding decision of this loan affecting my living situation.

  

  Business Response

  Date: 11/29/2024

  OneAZ has responded to our member's complaint. To protect our member's privacy, we will keep the resolution details between OneAZ and our member. Our member may use their discretion in sharing our resolution with the BBB.

  Customer Answer

  Date: 11/30/2024

  I do not accept the response from the business, because there has been NO response.  One AZ Credit Union are liars, they are inept at delivering service such as the other institution named in my complaint against them, Fidelity, had the decency to contact me to find out what in reality was going on with my situation, versus closing the account stating suspicious activity AND permanently marking someone's file with other systems to establish banking relationships with.  Not only are they inept, they are unprofessional and karma and fate will await them, but it comes with a treble effect of 10 times the original incident which caused the situation.  This issue WILL be exposed to the media.  This will show One AZ for the liars and incompetent blokes they are.

  

  Business Response

  Date: 12/06/2024

  Tell us why here...OneAZ has responded to our
  member's complaint. To protect our member's privacy, we will keep the
  resolution details between OneAZ and our member. Our member may use their
  discretion in sharing our resolution with the BBB.

  Customer Answer

  Date: 12/11/2024

  OneAZ is so ****** THE ONLY response I received was while sitting on their branch at Happy Valley and 19th Avenue was a third party response. Third party due to the fact that the person gave the message thru the representative at the branch, would not speak with me directly; "we saw suspicious activity with another financial institution and decided to close the account and mark him a high risk account." As indicated in my original complaint the "other institution(Fidelity), actually bothered to investigate to find my account has been hacked, created new accounts for my existing accounts. THEY are a class act. ONE AZ closed accounts arbitrarily using their ignorant decision making, in audition to flagrantly false advertisers, claiming to help with down payment assistance when they are not even listed on SEVERAL of the businesses that provide assistance. As stated on my original complaint, 1) ONE AZ needs to REMOVE this classification of high risk from my name and file because if their lack of investigation in my case, because someone is going through a divorce it caught their spouse with a member of the same sex does not give them the right to close accounts and disposition me as a high risk account, 2) full with apology for such an egregious lapse in judgement and authorization in permitting the closure of said account without investigating the issue. They are an example of a business that sucks!!!