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Business Profile

Credit Union

Credit Union of Southern California

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Credit Union of Southern California has 25 locations, listed below.

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    Customer Complaints Summary

    • 24 total complaints in the last 3 years.
    • 6 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:03/20/2025

      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.
      Very unprofessional business, they have no sort of professionalism and understanding of customers services. **** seems to do business as she pleases and makes up her own process in servicing customers. She seems to lack service etiquette and keeping personal problems at home. According to customer service, they don't have any supervisors available at all. Seems odd that **** will have 1 supervisor for an entire company available. **** needs to be retrained and have classes on how to create a business and professional environment for customers

      Business Response

      Date: 03/28/2025


      Thank you for the opportunity to respond to Mr. ********** concerns. We have since connected with the Member directly to discuss the matter in detail. During the conversation, we reviewed the application in question and provided clarification regarding the reason it was not approved. Additionally, we offered guidance on steps Mr. ********* may consider to help strengthen his credit profile going forward.

      We appreciate Mr. ********** feedback and understand that financial matters can be both personal and frustrating. Our goal is always to provide courteous, professional, and transparent service, and we regret if this experience fell short of those standards. We are committed to continuous improvement and will take this feedback into consideration in our ongoing staff training and Member support efforts.


      Should Mr. ********* wish to discuss this further, we remain available to assist.


      Sincerely,
      Credit Union of Southern California


    • Initial Complaint

      Date:03/20/2025

      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: CU OF SOUTHERN CA ACCT #: ***. ********** $0.00/$1,296.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 03/25/2025

      Response to BBB Complaint America *********
      Complaint ID: ID#: ********

      Date: March 25, 2025
       
      Dear America *********,
       
      Thank you for your recent inquiry regarding the Credit Union of Southern California (CU SoCal) account referenced in your complaint.
       
      We have reviewed your concerns and completed a thorough investigation into the matter. As part of our commitment to transparency and compliance with the Fair Credit Reporting Act (FCRA), we have compiled the documentation used to validate the accuracy of the account information reported to the credit bureaus.
       
      These documents have been sent to you by certified mail to the address you provided. If it is more convenient, you are also welcome to visit any CU SoCal branch location to receive the documentation in person. Our team is available to assist you and answer any questions you may have about the documents or the account.
       
      We take our Members concerns seriously and are committed to ensuring accurate reporting and timely resolution of disputes. If you have any additional questions or need further assistance, please dont hesitate to contact us directly at ************.
       
      Sincerely,
      ****** ****
      Senior Collections Servicing Specialist
      Credit Union of Southern California

    • Initial Complaint

      Date:03/20/2025

      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: CU OF SO **************** ***. **************** $2,446.00/$2,446.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 03/25/2025

      Response to BBB Complaint ****** *******
      Complaint ID: ID#: ********
      Date: March 25, 2025
       
      Dear Mr. *************************** you for your recent inquiry regarding the Credit Union of Southern California (CU SoCal) account referenced in your complaint.
       
      We have reviewed your concerns and completed a thorough investigation into the matter. As part of our commitment to transparency and compliance with the Fair Credit Reporting Act (FCRA), we have compiled the documentation used to validate the accuracy of the account information reported to the credit bureaus.
       
      These documents have been sent to you by certified mail to the address you provided. If it is more convenient, you are also welcome to visit any CU SoCal branch location to receive the documentation in person. Our team is available to assist you and answer any questions you may have about the documents or the account.
       
      We take our Members concerns seriously and are committed to ensuring accurate reporting and timely resolution of disputes. If you have any additional questions or need further assistance, please dont hesitate to contact us directly at ************.
       
      Sincerely,
      ****** ****
      Senior Collections Servicing Specialist
      Credit Union of Southern California

    • Initial Complaint

      Date:12/04/2024

      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 allows consumers to fraudulently use another person's debit card without entering a pin number.On December 3 between 3:30 and 4:00 the alleged perpetrator specifically went to this credit union to withdraw first $300 dollars and then $100 dollars. This was after to account inquiries. This credit union allowed this to happen. The next day on December 4 the same perpetrator looked for another local branch of this same credit union. This time the branch was in ******, **. The person knows about the lack of security at this credit union.

    • Initial Complaint

      Date:11/18/2024

      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.
      I applied for a lease buyout w/CUSoCal on 6/22/22. The loan officer requested a copy of my insurance card, I submitted on 7/11/22, loan was final on 7/13/22. On 8/17/22 I received a notice indicating no insurance for Loan8000 Referance #****, Unique ID: ***********. Required docs were sent in various times to the number listed on the forms and I contacted CuSocal multiple times for assistance in resolving issue but was told they were unable to assist. Aug 26, 2022: called SWBC CPI for refund ************* Sept 7, 2022: notice received, $492 may be added to loan Total Fees charged $328 (9/22/22: $246, 10/19: $82) Charge scheduled for 11/4/22: $164 cancelled due to insurance policy declaration form received. Call to SW BC CPI for full refund *************: Representative indicated full refund of $328 would be applied however only $164 refund received. Notice dated 11/4/2022: 19 ***** ES KU048441 confirmed receipt of documentation. I had to request full refund and submit required proof of insurance effective 7/13/22 or prior which had already been submitted and receipt confirmed by representative by phone. 11/11/22: *** sent policy declaration page in attempt to resolve on my behalf. Notice 11/16/22: Coverage submitted did not include physical damage/theft. 11/16/22: called AAA re: lack of coverage, Vehicle information was highlighted on form and resubmitted on 12/6/22 via email, confirmation received Ongoing contact with CuSocal by phone and messages regarding full refund. Per ************************************************* no such document was received. I am requesting the remaining $164 refund as promised. Representative *******

      Business Response

      Date: 12/02/2024

      BBB,

      We appreciate the opportunity to address this complaint on behalf of our member.

      We would like to inform you that we reached out to the member regarding this issue yesterday and requested proof of insurance for the period during which ******************************* (CPI) was added to their loan.

      After reviewing the submitted policy, **** has confirmed that they will issue a refund in the amount of $164.00. Once we receive this refund from ****, we will apply it directly to the member's share account.

      The member has been informed of this outcome, and we are committed to ensuring their satisfaction. Should there be any further questions or concerns, we remain available for assistance.

      Thank you for your attention to this matter.

      Sincerely,

      ********* ******

    • Initial Complaint

      Date:06/22/2024

      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.
      The bank is withholding money owed to me from a special promotion that they offer. If you follow their guidelines and qualify each month you receive a 10% annual bonus on your account. I have qualified for all 12 months and it has now been 75 days past due for my account to be ************************. The bank is aware and not making any progress on their actions.

      Business Response

      Date: 07/02/2024

      Dear ****,

      We wanted to reach out to apologize for the delay in communication regarding the crediting of your annual bonus. We understand how important this matter is and are actively researching the issue.

      To show our appreciation for your patience and understanding, our team will deposit $50 into your account by end of day tomorrow (6/28) in addition to your annual bonus. We are continuing to review the issue and will reach out to you upon completion. 

      Thank you for your continued trust and long-term membership. We are dedicated to ensuring your satisfaction.
      If you have any further questions or need additional assistance, please don't hesitate to contact us directly.

      Best regards,
      CU SoCal Team

    • Initial Complaint

      Date:04/09/2024

      Type:Order 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.
      I am not liable for this debt with Credit Union of Southern California, I do not have a contract with this collection agency. they did provide me with the original contract as requested.

    • Initial Complaint

      Date:03/18/2024

      Type:Product 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.
      The bank transferred my money to unclaimed property without contacting or notifying me.

    • Initial Complaint

      Date:12/18/2023

      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.
      I am not liable for the debt to CREDIT UNION OF SOUTHERN *****. i do not have a contract with FINANCIAL NETWORK **** & never recieved one after i requested for one.

    • Initial Complaint

      Date:06/27/2023

      Type:Service or Repair 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.
      A fraudulent check was drawn from account and I disputed that with the credit union, they made me notarize and affidavit and drive all the way to the credit union to submit over there in person, it's been two weeks since that happened and still I haven't received a credit of $500, This is the cheap credit union and their harassing me asking me the same questions again and again, they have no intention to refund my money and they are not taking care of my problems of a common man. They are behaving as if I have done some kind of fraud, and blaming me for the check fraud. If things don't resolve here, I will take them to court.

    Credit Union of Southern California is NOT a BBB Accredited Business.

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