Complaints
This profile includes complaints for First Tech Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 127 total complaints in the last 3 years.
- 44 complaints 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:06/18/2024
Type:Billing IssuesStatus: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 opened an account with ********************** on May 24, 2024. Throughout the entire process, I informed the bank representatives that I was expecting a settlement amount to be deposited into my account. They assured me that everything would be in order once the deposit was made.However, on the day I deposited my settlement amount, First Tech Federal Credit Union froze my account without prior notice or reasonable explanation. Additionally, they imposed a 45-day review period on my entire account, preventing me from accessing my funds. This action is deplorable and completely unacceptable.I rely on these funds for my living expenses and essential needs, and this unjustified freeze has caused me significant distress and inconvenience. This kind of treatment from a financial institution is entirely unprofessional and reflects poorly on their customer service and ethical standards.On June 14, 2024, I spoke with a manager named ***** to resolve this issue. During our conversation, ***** laughed in my face repeatedly, displaying a complete lack of professionalism and empathy. This behavior was highly disrespectful and exacerbated my frustration and distress regarding the situation.Relevant Consumer Laws:Electronic Funds Transfer Act (EFTA): Under the ***** financial institutions must provide consumers with timely access to their funds. The actions of First Tech Federal Credit Union appear to violate this principle by unjustly freezing my account and withholding my settlement funds without proper justification.Fair Credit Reporting Act (FCRA): If the banks decision to freeze my account was based on information obtained from a consumer reporting agency, they are required by law to inform me of this action. I have not received any such notification.Sincerely,Business Response
Date: 07/10/2024
Dear ******,
We appreciate you providing us the opportunity to hear and respond to your concerns with First Tech. We are very sorry to hear about your current situation. We confirmed your accounts were unrestricted on 06.14.24. Additionally, our management team reviewed your call with our customer service representative. They will provide any necessary coaching to ensure we continue to continuosly improve. If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Customer Answer
Date: 07/10/2024
Complaint: 21853554
I am rejecting this response because: This business has continued to be a headache in how they have handled my account. I do not understand how an account that does not allow overdraft is now overdrafted by over 2K!!! I want my account closed and this balance resolved. I will NEVER do business with this institution again
Sincerely,
*********************Business Response
Date: 07/25/2024
Dear *****,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your recent experience with First Tech. We are sorry to hear about your current situation.
We take your complaint seriously, and it has been reviewed by the appropriate leadership teams. After a thorough investigation, we have confirmed that no overdraft fees were applied to your account. It's important to note that members are responsible for any overage amounts caused by purchases they make. First Tech strives to ensure that our policies and procedures are clear and that our members are well-informed about their accounts. We are sorry for any inconvenience you have experienced.
If you have any additional questions or concerns, please call our ************************* at ************. A representative will be available to direct you to the appropriate department and ensure that your concerns are addressed.
Thank you for bringing this to our attention and for your understanding.
Initial Complaint
Date:06/12/2024
Type:Billing IssuesStatus: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.
First Technology Federal Credit Union has received timely loan payments but have falsely reported over 11 timely payments from August 2019 through January 2023 as 30 days late with Equifax and Transunion and 60 days late with Experian. The years of this false reporting has caused me great financial hardship as I am kot able to secure any type of loan with this amount of late payments Dispite filing a dispute and providing bank statement proof to First Tech FCU, Experian, Eqiifax and Experian, my disputes have been closed and the 3 bureaus have responded that again dispite bank statement proof, First Tech FCU has certied that my late payments are correct. I feel hopeless as First Tech dishonesty is supported by the credit bureaus. Im not sure who to complain sbout, the organization falsely reporting or the organiztion that has a dispute process and a duty to only report correct information.I would like all of the falsely reported late payments reported by FIRST TECHNOLOGY FEDERAL CREDIT UNION to be removed immediately and my timely payments reported to all 3 credit bureaus correctly (TransUnion, Equifax and Experian) . I would like all 3 Credit Bureaus to correct my payment history records immediately as they have received relevant information during my disputes that confirms they are not reporting my credit payment historyi correctly. Repeated disputes are on file with the credit bureaus that say FIRST TECHNOLOGY FEDERAL CREDIT UNION has CERTIFIED that the late payments reported from August 2019 through January 2023 on my credit report are correct, dispite providing bank statement proof of my timely payments to all interested parties. Thank you in advance.Business Response
Date: 06/17/2024
Dear Char,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your credit card servicing and membership with First Tech. We are very sorry to hear about your current situation.
We take your complaint very seriously, please know that it has been reviewed by the appropriate leadership teams and they will be responding to you directly. Please ensure that your contact informaiton is up to date to prevent any delays. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Customer Answer
Date: 06/21/2024
Complaint: 21840958
I am rejecting this response because FIRST TECH FCU has continued to retaliate against my credit and have done NOTHING but report payment errors and 2 days ago they FALSELY reported my auto loan increase in ERROR instead of correctly reporting that my loan has DECREASED. If FIRST TECH took my situation seriously, they would not continue to close my disputes with Equifax and Experian, they would have immediately taken care of this.1. FIRST TECH you need to REMOVE the late payments from Aug19- Jan23.
2. Report my loan DECREASE correctly please.
Sincerely,
*****************Business Response
Date: 06/25/2024
Dear ****,
Thank you for your message, it seems that this complaint is a duplicate of one that First Tech has received through a regulator. We will respond directly to the regulator and not through the BBB as required by federal regulation. Please know that any complaint entered into the BBB system is transferred to the First Tech Complaint Program for tracking.Initial Complaint
Date:05/28/2024
Type:Order IssuesStatus: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 not responsible for this debt with First Tech, I do not have a contract with First Tech, and they have not provided me with the original as I have asked for.Business Response
Date: 06/05/2024
Dear *******,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your loan with First Tech. We are very sorry to hear about your current situation. Please keep in mind that First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
We take your complaint very seriously, it has been reviewed by our ************************ and Fraud leadership teams. They have reached out to you multiple times to discuss the specifics of this case. Please return their call at your earliest convenience.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
Date:05/24/2024
Type:Service or Repair IssuesStatus: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.
Its unfortunate for new customers wanting to start a positive change when a week after opening an account I get flagged for fraudulent activity! Only 31$ in my account!! Spoke with two representatives before my mother and my wife sent me a *****. That totaled $31!! Not only inconsiderate by the company, to what Im going through in my life, but afterwards told me there was nothing I can do but wait until investigation is complete! (45days) Max ** Im completely locked out, and moneyless! With no update! Ridiculous!Business Response
Date: 05/31/2024
Dear ***********,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your membership with First Tech. We are very sorry to hear about your poor member experience.
We take your feedback seriously, please know that it has been reviewed by the appropriate leadership teams. First Tech does everything possible to ensure that our deposit, lending and servicing practices are in compliance with all applicable laws and regulations. Additionally, we are constantly looking at our service levels and adjusting them to improve member interactions and engagement.
If you have any questions please call our ************************* at ************. At that time a representative will help direct you to the appropriate department. Thank you!Initial Complaint
Date:05/23/2024
Type:Service or Repair IssuesStatus: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 made a payment of 9400 dollars to my credit card account last 05/22. The amount was taken off my checking account and my new current balance reflected on the app 05/23. I was under the assumption that once the amount paid has reflected, the credit limit will update. 05/23 I tried making a purchase, since similar to my other credit cards, when the amount is posted, the credit limit updates. To my disbelief, my card got declined. 05/23 7pm PST, I called their hotline but I was told theres nothing that they can do which is absurd because, 1. They have taken the amount on my checking account, 2. I really need use my card for a very important purchase. I find it frustrating that the card services couldnt do anything to resolve the issue of their members when they needed it most. Its concerning on all levels, what if my situation is life threatening or high risk and I needed to use the card which was already paid? What if there other members who need to send money for family in another country that is super urgent? Are they going to pay for the lost opportunity because they did not equip their card services team to resolve issues after hours? They need to fix their process and level of support to their members after hours, we shouldn't be waiting for the next next day or next business day to get our issue fixed specially on a valid and super important situation.Business Response
Date: 05/31/2024
Dear ********,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding the time it takes for payments to post to your credit card. We are very sorry to hear about your poor member experience.
We take your feedback seriously, please know that it has been reviewed by the appropriate leadership teams. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations. Additionally, we are constantly looking at our member's feedback to find ways of improving our services
If you have any questions please call our ************************* at ************. At that time a representative will help direct you to the appropriate department. Thank you!Initial Complaint
Date:05/21/2024
Type:Service or Repair IssuesStatus: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 deposited a check I've been waiting on for 2 1/2 years for rent relief into a new account I specifically opened for depositing the check because could not cash it at ***** Fargo where it's issued from. I talked to a person at bank before I deposited and said as long as it clears It will be fine. I opened my account 0n 5/6/2024 and was provided with a receipt showing that $500 would be available that day, $5025 on 5/8/2024, and the full amount of my deposit would be avaliable on 5/17/2024. A representative from First Tech called and verified the check on 5/7/2024. Which everything checked out to be valid. They provided me with a debit card an I was using it with no issues for the first day. Then on 5/7/2024 the bank out of no where with no warning or attempt to contact me addressing whatever issues they had on their end locked my account for, "suspicious activity and or fraud. I tried contacting the bank to no avail. They said the fraud department was conducting a review and i would receive an email with their decision which could take up to 45 days. I cant speak with the fraud deparment and i was given no explanation as to what the suspicious activity was. I made the charges on my account and the check is from the State of California Covid Rent Relief. I cant pay my back rent that i owe and for no fault of my own. They should have never accepted the check as my opening deposit if it was an issue. Someone just filed the same complaint with the exact same issue back in March of this year 2024. You think they would have addressed things on their end so there wouldn't be the same issues going forward. I just want access to my accounts and my funds so I can pay my bills.This is money I've waited years for. The check is legitimate and they are now holding my money. It's not right this is a government check. I've struggled to stay afloat for years now and now this. Talk about adding insult to injury. Thank you for your time and cooperation regarding my issue.Business Response
Date: 05/31/2024
Dear ****
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your membership with First Tech. We are very sorry to hear about your current situation. You have been approved for Limitation of Services (LOS) which limits your activity to cash ONLY at First Tech branches only. If you wish to close their accounts or withdraw the funds or both you can submit ID documents which include a color copy of the front and back of your government issued ID as well as social security card and a proof of residence, such as a utility bill with your full name and address. Send this to **********************************************. After our fraud department receives these documents we can review within 1-2 business days and then issue a cashier's check to the address on file. If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
Date:05/06/2024
Type:Order IssuesStatus: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 am not liable for this debt with FIRST TECH FCU. I do not have a contract with the collection agency. They did not provide me with the original contract as requested.Business Response
Date: 05/09/2024
Dear Granit,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding your loan servicing and membership with First Tech. We are very sorry to hear about your current situation.
We take your complaint very seriously, please know that it has been reviewed by the appropriate leadership teams and we found the loan was appropriately sent to collections due to missed payments. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Customer Answer
Date: 05/09/2024
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
Sincerely,
Granit ******Initial Complaint
Date:05/03/2024
Type:Product IssuesStatus: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 recently opened a checking/savings account with ******************** Tech. Everything went smoothly until I was invited to apply for an perdonal line of credit. After applying they requested more documentation, no problem. After about 5 days they send me and email stating they have suspended my account for suspicious activity and included a packet about being a money mule.....OK? I did literally zero transfers from this account other only a workers comp check deposit than the opening deposit. But nothing else or any transfers out of this account They said I must wait for the results of the investigation. They gave no timeline for how long that will take and said any questions must be mailed in. This isn't how I like to be treated as a customer. Please either give a timeline for how long this investigation is going to take and communicate with me or just close the accounts.Business Response
Date: 05/09/2024
Dear *******,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding the hold on your account because of potential fraud. We are very sorry to hear about your current situation.
We take your complaint very seriously, please know that a full investigation is under way by our fraud leadership team and you will receive a response from them soon. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
Initial Complaint
Date:05/01/2024
Type:Service or Repair IssuesStatus: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.
see affidavit of truth attachedBusiness Response
Date: 05/02/2024
Dear **********,
Thank you for your message, this is a duplicate request which was received via a regulator. We will not be responding through the BBB in this situation. Thank you.Initial Complaint
Date:04/29/2024
Type:Service or Repair IssuesStatus: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 lost my job and couldn't make payments. The car was repossessed. I saved up money to cover passed due and extra. I wanted to pay 10k and show proof of new employment. I'm on salary and can now afford the payments again. I'm have tried everything I could. I planned on paying 10k which would catch me up and extra and then continue to pay off the loan to repair my credit and keep the car. They refuse to work with me and stated since they now have the car, they will only sell it. They told me to pay in full if I want it back. I can't afford 55k I don't think anymore has 55k lying around. I am trying my hardest it has been the worst 6 months of my life. I have gotten money from friends and family and saved money, and they aren't even willing to work with me. I can't refinance because the credit was destroyed by this situation. I can't afford 55k. I can't borrow that amount because of my credit. Now im stuck here. I have tried to work with them, but they continue to refuse. I now have a lawyer and will be getting a resolution soon. All I wanted to do was keep the car fix my credit by making on time payments and pay what was owed.Business Response
Date: 05/07/2024
Dear ********,
We appreciate you providing us the opportunity to hear and respond to your concerns regarding the reposession of your vehicle. We are very sorry to hear about your current situation.
We take your complaint very seriously provided the details to our ************************ leadership team to investigate. Unfortunately, we are unable to make any arrangement or exceptions outside of our policy or the regulations that govern this situation. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations. The only to retrieve this vehicle in occordance with these limitations is by paying the full amount for the vehicle. We are sorry for any inconvenience this has caused.
If you have any questions please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!
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