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Business Profile

Credit Union

Orange County's Credit Union
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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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Orange County's Credit Union has 10 locations, listed below.

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    Customer Complaints Summary

    • 8 total complaints in the last 3 years.
    • 5 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:06/12/2025

      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.
      THEY REFUSE TO GIVE BACK THE 30 DOLLARS I WAS NOT APRROVED BY THEM TO MY DISCOVER ACCOUNT DISCOVER IS TRYING TO HELP ME CLOSE MY ACCOUNT WITH THEM THEY CANT DO THAT UNTIL THIS COMPANY GIVE ME BACK 30 DOLLARS

      Business Response

      Date: 06/20/2025

      The Credit Union has conducted its research and made efforts to contact the consumer. We have asked the consumer to call us back if their issue remains unresolved.

    • Initial Complaint

      Date:06/06/2025

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I recently had an incomplete mortgage loan application done on 06/04/2025. This was to get my family out of renting, and start investing in our OWN home. It was incomplete and they prematurely checked my credit WITHOUT MY CONSENT or prior notice. Keep in mind my application was incomplete. Then, I said whatever. I started to progressing with my application, because they said on one of their ads that they offer 0% down payment on mortgage loans. But come to find out that they DONT do multi units which is weird because 2-4 units option was on the application when I initially applied. They told me I needed a 25% down payment for any property that had multi units and there was no other way around it. I asked why wasnt this disclosed before I applied? They said IT WAS but I never saw anything clear or cohesive. So I asked for those specific disclosures about checking credit BEFORE I completed my application and the restrictions 0% down payment had. Nothing has been provided since then. Crickets. It was all a marketing scam it looks like. Another thing, I noticed one of my personal loans was looping back in debt protection payments when I was told it was a ONE TIME PAYMENT that was added for the principal amount. But I was getting charged for this for 11 months straight. Even the banker at this branch was confused. I wasnt putting in enough money for the debt protection because I was told it was a One time charge included in the principal amount. So this whole time my ~15 dollars was looping back into my principal amount. SHADY BUSINESS! I immediately cancelled it after I found out. Please do not yo business with this bank. They try to get you everywhere they can. Totally unethical and shady practices.

      Business Response

      Date: 06/13/2025

      Good evening, 

      The Credit Union has completed its research and attempted to reach the consumer, but the phone number on file seems to be not in service. We will explore alternative methods to contact the consumer in order to share our findings and available options. The Credit Union is dedicated to resolving this matter.

      Regards,

       

    • Initial Complaint

      Date:01/08/2025

      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.
      On 12/9/24 I called Orange County's CU to file a claim on a transaction of $60.00. This transaction was done through *****. The payment of $60.00 was a 'failed payment' on the app Zelle but for some reason it posted on my bank account. I sent *******************************************'s CU proof that the transaction failed and it should have never posted on my account. ***** confirmed that the transaction failed and asked me to solve the issue with my bank Orange County's CU. I filed the a claim again and they denied it. They took $60.00 from my account when I sent proof that it had failed and it never went through. They would not help me at all. I am demanding my $60.00 back from them.

      Business Response

      Date: 01/15/2025

      The Credit Union is working directly with the consumer.

    • Initial Complaint

      Date:10/11/2023

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I shouldve took a picture with my phone, but it did say at first with my Social Security check that it was accepted as a electronic check on the mobile app and then I found out that it ended up the input on hold. First of all the system never shut of sad That the money is available and then the information change. Secondly, I tried to speak with both the banker and the supervisorp about the situation, and neither of them were able to help me and I mentioned to them I need it by a certain time and if they can accommodate me by me doing overdraft of the amount for my disabled transportation in order for me to go to my doctors appointment. The manager or supervisor no and that she wishes that there would be something that she could do. I felt that I was misled by the system to the point now Im unsure that I can go to my doctors appointment today because of the situation, and there is , a financial situation to which I should not have been charged by them but yet I was charged, and the supervisor would not even help me with that either.

      Business Response

      Date: 10/18/2023

      To Whom it May *********************** have reached out to our accountholder directly to discuss her complaint and have resolved this issue. 

      If there's anything additional that's needed from us, please feel free to let us know. 

      Thank you, 

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

    • Initial Complaint

      Date:12/10/2022

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Orange County credit union has not offered any assistance to the time I needed on my account. I was on the verge of being closed over $24. This was during Covid relief I was treated poorly and nobody was willing to work with me considering I was with their bank for seven years. They automatically closed it and its on my Experian now. I am trying to get a loan for a home and this affects the process. Why was I not offered Covid relief funds or any type of timeframe when I really needed it? This is their words its already charged off theres nothing we can do there was Covid relief at the time but because you were no longer a member theres nothing we can do . I also was under the impression I was making a last credit card payment to close my account but that was to charge me off. I was not under the impression that they were going to charge me off for both of those things when it couldve been easily prevented with just working with me. Not one person has ever called me to try to make things work they just wanted their money.

      Business Response

      Date: 12/15/2022

      To whom it may concern: 

       

      We have reached out to the account holder on December 14, 2022 and this matter has been resolved.

       

      If you have any questions or need any additional information please let us know. 

       

      Thank you, 

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

      Orange County's Credit Union

       

    Orange County's Credit Union is BBB Accredited.

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