Complaints

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

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• 

  First Tech Federal Credit Union

  2702 Orchard Pkwy San Jose, CA 95134-2012

  
• 

  First Tech Federal Credit Union

  8862 161st Ave NE Ste 108 Redmond, WA 98052-7553

  
• 

  First Tech Federal Credit Union

  15255 NE 40th St Redmond, WA 98052-5310

  
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  First Tech Federal Credit Union

  47 E Riverside Dr Eagle, ID 83616-7061

  
• 

  First Tech Federal Credit Union

  6015 Ulali Dr NE Keizer, OR 97303-1501

  

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:01/11/2024

  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.

  Federal Credit Union Employee ran my credit without my permission. I want the hard inquiry removed immediately.

  Business Response

  Date: 01/18/2024

  Dear *****,

  We appreciate you providing us the opportunity to hear and respond to your concerns regarding your your charged-off auto loan and associated credit report. 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. We confirmed the credit report was obtained as part of our standard charge-off process. The following is from the membership application you signed at enrollment, "You agree that we may obtain a consumer credit report periodically from one or more consumer reporting agencies (credit bureaus) in connection with the proposed transaction and any update, renewal, refinancing, modification or extension of that transaction." "You also agree that we or any affiliate of ours may obtain one or more consumer credit reports on you at any time during the term of your financing." Therefore we are unable to request any adjustments to your credit history at this time. 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:01/08/2024

  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.

  I did student loan refinancing with them and a monthly payment. I am seeking to modified the monthly payments by putting a down payment. However, they dont want to readjust it. They are happy to use government/tax payer money and brag about credit union status but do not want to help veteran tax payer citizens like me with simple payment resolution out of malice and bad faith

  Business Response

  Date: 01/08/2024

  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. Please know that any complaint entered into the BBB system is transferred to the First Tech Complaint Program for tracking.

  Thank you,

  First Tech

• Initial Complaint

  Date:01/08/2024

  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.

  This company has scammed me of getting a credit card and I received a pre approval email from WalletHub and credit karma and I applied for a credit card today January 5th ******************************************************** a reason why and I was denied and Im angry . And I want this credit inquiry removed for false advertisement app number #*******

  Business Response

  Date: 01/18/2024

  Hi Jermmie,

  We appreciate you providing us the opportunity to hear and respond to your concerns regarding your credit card application with First Tech. We are very sorry to hear about your poor experience. When an application is declined a letter is mailed explaining the denial reasons and you should have received this letter now with that explanation. As well as an email explaining the decline on 1/5. 

  We take your complaint/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 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!
    

    

  Customer Answer

  Date: 01/18/2024

   
  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.
  
  

  I dont like them and never want to do business with them . Credit inquiry has been removed 

   

  
  Sincerely,
  
  ******************

• Initial Complaint

  Date:01/03/2024

  Type:Customer Service 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 not liable for this debt with First Tech FCU Shares, I do not have a contract with First Tech FCU Shares they did not provide me with the original contract I requested

  Business Response

  Date: 01/18/2024

  Dear ******,
  
  We appreciate you providing us the opportunity to hear and respond to your concerns regarding your account. We are sorry to hear about your current situation. 
  
  We take your complaint seriously, please know that it has been reviewed by the appropriate leadership teams. We found that our charge off team has attempted to contact you on multiple occasions. Please contact them at the number below at your earliest convenience. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations. 
  
  Once again please call our our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!

• Initial Complaint

  Date:12/29/2023

  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 name is *********************************** and I am writing you to inform you of the situation that is happening with this company that I chose to bank with due to the high interest for the certificate account that caught my interest. I had opened an account with honest intent to pursue a checking account that promises financial growth from a savings account! My intent was to draw the initial funding to open from an account that my funds have not deposited yet due to holiday. Now Im me after I realized this was the case I figured let me just kill two birds with one stone and deposited the settlement advance check into my account to cover the deposits and also have my funds in my new account for when I need to use funds to pay the backed up bills and my rent that is past due because I was hit by a car and severely injured to the point of being disabled for almost a year and half.. the check I deposited was verified and cashed into my account that I am no way able to access due to fraud department not being available to answer nor expedite any questions or request in this matter.. the unjust and unfair treatment is being forced upon me with the oh well sorry for you demeanor .now I did not sign up for this matter nor do I appreciate the service being given to me.. I know my check is valid and so does your company my attorney as well as deluxe check systems have verified the funds legitimately and cashed! Due to this situation I am at risk of being evicted also being brought further behind in any back payments missed.. I do not feel this is just also as being a share holder in the company has created a very negative initial commitment between me and this company I asked that a by law my funds be released and any involvement in this matter be disregarded because due to this issue i no longer feel safe or comfortable dealing my funds with this company thanks to a policy or terms that take away the customers freedom or rights!! Thanks again ***********************************

  Business Response

  Date: 01/09/2024

  Hi ********,

  We appreciate you providing us the opportunity to hear and respond to your concerns regarding your check 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. First Tech does everything possible to ensure that our fraud and servicing practices are in compliance with all applicable laws and regulations. At this time you have been contacted by our fraud team with findings from our investigation and no additional action will be taken.
  
  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:12/28/2023

  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.

  Our account was compromised and a transaction was attempted using Zelle in the amount o $10K. First Tech intercepted this transaction and called us on Friday, 12/22 around 2 in the afternoon (guessing - was daytime anyway). They informed us about something having gone wrong, and that they'd turned off *****. In order to talk to us, the *** sent us a text asking for our username and then another, asking for our password. I resisted for a few minutes, but he told me that the alternative was to let the fraudulent transaction go through.They locked the account, canceled the cards, and are declining incoming and outgoing transactions (even ones which have been established for years).I was blackmailed to get password (my bad for giving it - I should've let him carry through his threat to let the $10K transaction go through to the scammer, in retrospect).We have no account access (not even a new, uncompromised acccount).They provided no customer support, even on an emergency basis We were not informed of the process We have no clear information about what happened The path forward involves creating a new account, at a branch. We were not informed of this until today Because of this interruption in cash, these are a few things which will be turned off in the next week or are being withheld:Phones ******* PHARMACY (several forms of Insulin and injection meds, rheumatoid arthritis meds, heart meds, etc.)IRS payment Student Loan payment RENT **** Payments Because we had no replacement card FedExeded (our expectation, as it has been in the past) we spent Christmas:unable to drive anywhere without gas without a few last-minute purchases unable to order takeout after prepping for Christmas unable to pay bills for:prescriptions (rheumatoid arthritis x 1, 4 kinds of insulin)phone (will be turned off in 2 days)student loans / IRS (pull transactions)rent (transfer)worrying how this was going to turn out because we had no information and no way to get any We do not know know:What the progress is Why didn't this resolve within less than a day? (Transfer it all to a new account? Cancel the existing user account(s) and we're done.)Why didn't we get a card on the day the problem happened? Why didn't you shoot them out immediately, if you knew you were going to cancel it?You knew that the cards weren't compromised - the *** ones as well as the actual credit card. I'm particularly angry about this one, because we could have at least paid people, maybe driven to Christmas.Why didn't you authorize the bills we pay every month? As in Amazon, Google Fi, *******, IRS, Student Loans, Rent. They're all the same amount, all of the time, basically.Why did one of your ***s tell ****** that this could take as long as 60 days!Can we withdraw from a branch, and how?How much can we withdraw in a day, and can they initiate a transfer to another bank (I'm told I'd have to get a cashier's check).What happens to incoming payments?Let me reiterate: First Tech is literally endangering our health and lives. They have taken away diabetes meds from two diabetics. They have taken away a med which needs to be taken at the same time every morning - it means Tanita can WALK.We joined you when you were HP Federal Credit Union. We stayed through Addison ******* and here we are. I do not know what's happened to you as a bank. The way we feel right now, you have not been loyal to us, and you haven't cared for us, so why should we stay?Tomorrow morning I break up with a friend who's been with us for 20 years, traveled with us all over the world, and generally done a good job. Now, it appears First Tech has changed, and we will be leaving as soon as possible.

  Business Response

  Date: 12/29/2023

  Dear *****,
  
  We appreciate you providing us the opportunity to hear and respond to your concerns regarding our fraud procedures and membership with First Tech. We are very sorry to hear about your current situation. Under no circumstances would a First Tech representative ask for your email and password to your online banking. We were able to determine there was unauthorized access after this point and that is why we had to close down your account to keep it secure. 
  
  We were able to manually release the payment to the *** and have notified our payment services of incoming transactions to help further assist as best we can. Fraud determinations can take up to sixty days to review to ensure a complete investigation is conducted and you will be notified of the final resolution once our investigation is complete. Due to the investigation we are unable to issue new cards until this is complete.
  
  We take your complaint very seriously, please know that it has been reviewed by the appropriate leadership teams and additionally have captured your feedback regarding our processes. 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:12/11/2023

  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 applied for a loan which was supposed to be secured with a deposit account. I opened the deposit account and then money was drawn from my personal savings to First Tech. 3 days later I was told I did not qualify for a loan. So I asked to close my deposit account and send me the money back. It has been over 5 weeks of fighting with them to send me my money back. They have asked for every type of id and address verification possible. They will only communicate with me via email and it takes them days to respond.

  Business Response

  Date: 12/18/2023

  Dear ******,

  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 our fraud department. Unfortunately, they are having trouble confirming some information with the financial institution who transferred your funds. If you would like to escalate this issue further we recommend contacting your other financial institution and requesting they transfer the funds directly back as we are unable to do so until they respond to our inquiries. 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: 12/18/2023

   
  Complaint: 20991160
  
  I am rejecting this response because:

   

  they have asked for a million things from me and I have provided everything. There is no reason they should be blocking me from closing my account.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 12/18/2023

  Hi ******,

  Thank you for your reply. In these situations we are required to follow all regulatory requirements and internal fraud processes. We take the prevention of fraud very seriously in order to protect our membership. Since our last message this morning our fraud department has received additional information and contacted the originating financial institution to verify the needed information. The requested funds will be sent via a cashier check to the address on file today.

  We are sorry for any inconvenience you have experienced.  If you have any questions please give us a call at ************ and you will be directed to the correct department. Thank you.

• Initial Complaint

  Date:12/08/2023

  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 initiated a consumer credit transaction with First Tech Federal Credit Union on 10/11/23 and I sent this company a response to their adverse action notice. There has not been a response as of yet. What I seek is I seek to retract my original application and need a copy of the original back since it is a security with my signature on it. Otherwise, I will seek a settlement for monetary relief since this adverse action came at the expense of negative remarks on my consumer report.

  Business Response

  Date: 12/12/2023

  Hi ********,

  Im sorry to hear you didnt have a great experience working with First Tech. We reached out to our consumer lending team to investigate this complaint. This team recently reached out to you by phone on multiple occasions to discuss this case. We are unable to provide any of your personal information or documentation through the BBB portal for privacy reasons. Please contact our service team at ************ and they will direct you to the correct department to assist you. Also, you can make a virtual/in-person appointment at ****************************************************** to chat about the information you're looking for. Please let us know if you have any questions. Thank you!

  Sincerely, ************ First Tech FCU

• Initial Complaint

  Date:12/04/2023

  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 become a victim of identity theft, and I've detected unauthorized transactions and questionable activities associated with my identity. I've taken the step of filing a police report, but I require assistance in addressing this situation. My objectives are to recover my financial losses, restore my reputation, and seek your guidance in having this inquiry removed from my credit report. I kindly request your assistance with this matter.FIRST TECH FCU Inquired on Nov 3, 2023.

  Business Response

  Date: 12/13/2023

  Hi ******,
  
  We appreciate you providing us the opportunity to hear and respond to your concerns regarding your credit card application 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. First Tech does everything possible to ensure that our lending and servicing practices are in compliance with all applicable laws and regulations. We have reviewed your account and mailed a letter to your address with our decision. 
  
  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:11/20/2023

  Type:Order 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 not liable for this debt with First Tech Federal Credit Union. I do not have a contract with First Tech Federal Credit Union they did not provide me with the original contract as i requested.

  Business Response

  Date: 11/21/2023

  Dear *****,
  We appreciate you providing us the opportunity to hear and respond to your concerns regarding your charged-off credit card account with ******************** Tech. We are very sorry to hear about your current situation and did look into it. 
  
  We take your complaint very 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. We confirmed that you applied for this credit card on 5/12/2018 and a copy of your application and other documents are on file with the credit union. We also confirmed you did use this credit card and are responsible for any outstanding balance. Please understand that First Tech is required to follow all state and federal regulations in regards to lending practices. We are unable to make an exception to these regulations in most situations like yours. 
  
  If you have any questions or would like copies of any paperwork please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!

  Customer Answer

  Date: 11/23/2023

   
  Complaint: 20893178
  
  I am rejecting this response because:
  I am not liable for this debt with First Tech Federal Credit Union, I do not have a contract with First Tech Federal Credit Union. They did not provide me with the original contract as i requested. I demand you delete this from my credit report immediately.
  Sincerely,
  
  *************************

  Business Response

  Date: 11/27/2023

  Hi *****,

  This will be our last response regarding this issue.  Unfortunately First Tech will be unable to process your request as mentioned in previous conversations regarding your charged-off credit card. We confirmed there was no credit union error and all documentation was sent to you per our procedures and in line with all applicable laws and regulations. We confirmed you did use this credit card and did speak with our customer service team on multiple occasions. Therefore you are responsible for any outstanding balance you accrued. Once again First Tech is required to follow all state and federal regulations in regards to lending practices so we are unable to make an exception to these regulations in most situations like yours.
  
  If you have any questions or would like copies of any paperwork please call our ************************* at ************. At that time a representative will direct you to the appropriate department. Thank you!