Complaints

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

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  Schools First Federal Credit Union

  15442 Newport Ave Tustin, CA 92780-6473

• 

  Schools First Federal Credit Union

  6501 E Spring St Long Beach, CA 90808

• 

  Schools First Federal Credit Union

  550 Hidden Valley Pkwy Corona, CA 92879

• 

  Schools First Federal Credit Union

  1209 University Ave Riverside, CA 92507

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  Schools First Federal Credit Union

  74590 Highway 111 Palm Desert, CA 92260-3804

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:06/07/2025

  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.

  Hello,I opened an account with this ********************************************* and opened a loan with them as well. I tried to Zelle someone but it placed a hold on my account, on a weekend, when I cant get a hold of anyone. That is extremely frustrating and disappointing.They need to remove the hold ASAP so I can send the money or I will return the money and close my account.I hope you can assist me in getting this resolved ASAP as it is urgent. Sincerely,**** *********

  Business Response

  Date: 06/16/2025

  We are in receipt of the complaint filed by **** *********. Unfortunately, we are unable to locate the Member in our system of records. We ask that Mr. ********* submit the complaint with his Membership/account number or email address used when he opened the account.

  Sincerely,

  **** ******

  Vice President, ************** Experience

   

• Initial Complaint

  Date:06/03/2025

  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 am filing this complaint due to ongoing inaccuracies on my credit report caused by this company's reporting. These errors are negatively impacting my credit score and financial stability, despite my repeated attempts to resolve them directly with the company.Given that these issues remain unresolved and continue to harm my credit, I am reaching out to the Better Business Bureau for assistance in ensuring a prompt and thorough review. I kindly request that this company either correct or remove the inaccurate items from my credit report. Thank you for your attention and assistance in resolving this matter.Details of the account involve are as follows;Account Name: ********************** Account #: 3194**** Date Opened: 12/01/2017 Balance:$1,192.00

  Business Response

  Date: 06/17/2025

  We have received a complaint filed with the Better Business Bureau by ******* ********,along with an attached *** identity theft report. The report listed SchoolsFirst FCU among several financial institutions allegedly involved in fraudulent account openings.
  Upon follow-up, Ms. ******** confirmed that no accounts were fraudulently opened with SchoolsFirst and that our institution was mistakenly included in the *** report.
  Separately,Ms. ******** is disputing the accuracy of two charged-off loansa personal loan charged off on June 27, 2022, and an overdraft protection loan charged off on September 3, 2022. From October 2023 through June 2025, we received twelve indirect credit disputes through the credit bureaus related to these loans.Each was investigated and responded to within the 30-day timeframe required under the Fair Credit Reporting Act (FCRA). The information reported was verified as accurate, and no changes will be made.
  We take all reports of fraud and unusual activity seriously. If Ms. ******** has additional questions, she may contact our Fraud Investigations team at ************************, option 2, or reach out to **** ******, Fraud Manager, at *************.
  
  
  Sincerely
  **** ******

• Initial Complaint

  Date:05/02/2025

  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.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter.SCHOOLSFIRST ACCOUNT no.: ************ DATE OPEN: 04/01/2018 BALANCE: $1,209.00

  Business Response

  Date: 05/09/2025

  We are in receipt of a complaint filed with the BBB by ***** Luaces ******. In the complaint, Ms. ****** ****** states she has unauthorized accounts listed with ********************** and these inaccurate entries have significantly impacted her FICO score and financial standing. Ms. ****** ****** is requesting a correction to her credit report.
  
  Ms. ****** ****** obtained a secured credit card, April 30, 2018.  A security agreement was signed on April 27, 2018,and a $500 deposit was made to open the secured credit card.   On February 12, 2019, an application was submitted in branch for a limit increase to $1000 for the credit card.  The application was approved, ****************** credit card was changed from secured to an unsecured credit card, and the $500 deposit used as security was released to her account on February *******.  Payments to the credit card were made through September 10, 2021.  The credit card reached charged off status April 24, 2022, for non-payment.
  Based on our findings, it was found that Ms. ****** ****** was aware of her credit card obligations.  As such, SchoolsFirst FCU reporting on ****************** credit card is accurate as reporting.  ************* ****** would like to discuss repayment options, she can speak with our Loan Recovery team at **********************.
  
  Sincerely,
  
  ******** ******
  Assistant Manager, Credit Bureau Reporting

• Initial Complaint

  Date:04/29/2025

  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 am filing a formal complaint regarding two charge-off accounts reported by ********************** to TransUnion, under account numbers ********** reflecting balances of $0.00 and $2,489.00. These entries are not only conflicting but appear to be duplicates with inconsistent reporting details, violating 15 U.S. Code 1681e(b) which requires the reporting of only accurate and complete information. Reporting a charge-off with a $0 balance is inherently misleading, especially when accompanied by a second, nearly identical tradeline showing a different balance. This duplication has negatively impacted my credit profile and demonstrates a lack of proper data handling. Despite attempts to dispute this with the bureau, the business's response was generic and insufficient. I believe these discrepancies are likely the result of a data breach that compromised the accuracy of the information being reported, and as such, I am requesting a full reinvestigation in accordance with 15 U.S. Code 1681i and the removal or correction of these inaccurate tradelines. SchoolsFirst has failed to fulfill its obligation to ensure maximum possible accuracy, and their inadequate response demonstrates a disregard for fair reporting standards.

  Business Response

  Date: 05/02/2025

  Our records indicate that Mr. ******** has two previously charged-off loans. The charged off loans reporting to TransUnion are an auto loan and a Line of Credit. There is no duplicate tradeline reporting. Mr. ******** has mentioned that his previous disputes have resulted in generic and insufficient responses from SchoolsFirst.However, we have no record of Mr. ******** submitting a credit dispute through the credit bureaus or directly with SchoolsFirst. If Mr. ******** wishes to submit a dispute, we ask that he provide the following information for us to complete an investigation:
  
  Loan ID(s) being disputed
  The specific credit reporting that is being disputed (i.e. June 2020 30 day late)
  An explanation of the basis of his dispute.
  
  With the above details, Mr. ******** may file a credit dispute through the credit reporting agencies directly or mail his dispute to the Credit Union to the address below:
  
  SchoolsFirst FCU
  Attn: Credit Disputes
  PO Box 11547
  *********, Ca 92711
  
  SchoolsFirst FCU understands the importance of accurate credit reporting and abides by all fair credit reporting laws and regulations. If Mr. ******** has any further questions, he can contact one of our Credit Dispute Representatives at ******************.
  
  Sincerely,
  ****** ******
  Manager, Credit Bureau Reporting
  

• Initial Complaint

  Date:03/31/2025

  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.

  I'm writing to get to the highest department other than the **************** or ******************* which continues to give misleading information when I call to speak with them. I was promised that once my balance was paid off from a loan on was on with my daughter that my overdraft protection would be reestablishes once the balance of the loan was paid. It should not have ever been revoked in the 1st place. I got all the privileges back except that one which they misinformed me about it getting back established. Now stating that I have to reaply for this which is totally absurd. This account should've never been revoked and when I did what was required only to say now you can't get it back you have to pay off the balance then reapply which is beyond words. These departments are so inconsistent and only want to apply what they want to the policies. I was told their would be an exception for this matter which now that want to change it to cover themselves for the misleading information they've given me. I want to speak with someone higher than these departments in the excetive office that can override this and do what I was promised which is reinstate my overdraft protection that is now revoked and should not have been revoked in the 1st place

  Business Response

  Date: 05/09/2025

  SchoolsFirst FCU feels this is a complaint that was filed on or around April 1, 2025.  We are not sure why it is just being sent to us as this issue has been resolved with our Member, Ms. ************** On April 1, 2025, Ms. ******* self-reported this issue through the office of our CEO and immediate action was taken to address her concerns.  Ms. ******* also messaged our CEO that the issue was resolved to her satisfaction and when we received the BBB complaint to cancel.

  We do apologize for the miscommunication we gave Ms. ******* that led to her initial complaint and remain committed to serving her as a valued Member.

  Sincerely,

  **** ******

  Vice President, ************** Experience

   

   

• Initial Complaint

  Date:03/25/2025

  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.

  im not liable for this debt with SchoolsFirst Federal Credit union, I do not have a contract with SchoolsFirst Federal Credit union, they did not provide me with the original contract as requested

  Business Response

  Date: 04/02/2025

  Our records indicate that Mr. ****** had a credit card with SchoolsFirst FCU. The credit card was charged off on 11/14/2021 in the amount of $1,209.20. Statements show payments toward the credit card,including documentation of SchoolsFirst **************** contacting Mr. ****** to verify account activity.
  
  If Mr. ****** believes there is a credit reporting error, he may submit a credit reporting dispute. As outlined in the Fair Credit Reporting Act, we ask that he provide the following information for us to complete an investigation:
  
  Account number being disputed.
  The specific ********************** reporting that is being disputed (e.g., June 2020 - 30 days late)
  An explanation of the basis of his dispute.
  
  With the above details, Mr. ****** may file a credit dispute through the credit reporting agencies directly or mail his dispute to the Credit Union at the address below:
  
  SchoolsFirst FCU
  Attn: Credit Disputes
  PO Box 11547
  *******************

• Initial Complaint

  Date:03/10/2025

  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.

  I am writing to formally report a fraudulent account that has been opened in my name with SchoolsFirst. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the unauthorized ******************************** Name: SchoolsFirst Opened Date: July 2, 2022 Account Number: ********** High **********************: $15,000.00 I kindly request the immediate closure of this fraudulent account and the removal of any negative information associated with it from my credit report. Additionally, I would appreciate written confirmation of the accounts closure, along with any relevant documentation regarding the fraudulent *********** support my claim, I have attached a copy of my Identity Theft Complaint for your reference.Thank you for your prompt attention to this matter. Please confirm receipt of this request at your earliest convenience. Should you require any additional information, feel free to contact me at [Your Phone Number] or [Your Email Address].

  Business Response

  Date: 03/14/2025

  We are in receipt of a complaint filed with the Better Business Bureau by ******** Khalil *************** the complaint, ******** ****** states they are a victim of identity theft and is requesting SchoolsFirst FCU to remove any adverse reporting from their credit report.
  
  California Civil and Penal Code regarding debt collection activities when identity theft is alleged requires debtors to present a copy of a Federal **************** (FTC) identity theft report and a written statement, which we have received. Before an investigation can begin, ******** ****** must provide all required documentation.Upon receipt of the required documentation, any adverse information previously reported to a credit reporting agency will be updated to reflect the debt is being disputed. In addition, any debt collection activity will cease during the investigation. Upon receiving this complaint, we have opened an identity theft investigation. Upon completion of the investigation, a letter of determination will be sent to ******** ****** to inform them of the outcome and the basis of our findings.

  This information can be mailed to:

  SchoolsFirst Federal Credit Union

  PO Box 11547

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

  Sincerely,

  **** ******

   

  
  

• Initial Complaint

  Date:02/03/2025

  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.

  - Upon research and completing the process of filing a pre-approval with this bank, I was asked verbally if I would approved of running a credit check on my credit. I approved, but it was not explained to me that the bank was allowing credit companies to share my information with over 300 separate mortgage and life insurance companies that have repeatedly called me and were given my information without my approval. Even after opting out of this policy with the credit companies, I continue to receive calls with private information. This has been an absolute breach of trust and it was never explained that I was agreeing to share my private information through the bank to any group other than credit companies to be kept by them. In addition, my wife's credit has been run by a sleazeball organization called Credco, who is a reseller of credit information. I NEVER AUTHORIZED HER CREDIT TO BE RUN. I will sue this disgusting organization and the credit reporting agencies.I want to be credited for the time and effort lost, as well as the damage to my credit which has always been exceptional, as is my wife's.

  Business Response

  Date: 02/06/2025

  SchoolsFirst FCU recently received feedback through the Better Business Bureau (BBB) regarding receiving unsolicited calls shortly after submitting your home loan application. We sincerely apologize for the frustration and inconvenience this unfavorable situation has caused you and your wife.
  
  Protecting your privacy and personal information is a top priority at SchoolsFirst FCU. As such, the credit union does not sell Members information to outside companies.The unsolicited calls you receive may stem from the information provided by the credit bureau(s). The national credit bureaus have programs that identify applicants in the market for new credit, including a home loan. These programs generate a list that are made available for lenders to purchase.
  
  We understand youve taken action on your end by opting out of sharing your information with credit companies; however, we also recommend taking the following steps below to opt out of unsolicited phone calls:
  
  Call ************** ***************) or visit ***********************.
  Note: You will be asked to provide personal information, including home telephone number, name, Social Security number, and date of birth. The credit bureaus operate this opt-out service, and the information provided is confidential and will be used only to process the request to opt-out.
  Register your phone number with the National Do Not Call Registry at *****************.
  Contact your phone service provider for call-blocking options.
  
  We value your trust and appreciate the opportunity to address your concern. If you have any questions, please contact me directly at *************************.
  
  Sincerely,
  
  
  ****** *****
  Vice ********************* Originations
  SchoolsFirst Federal Credit Union

• Initial Complaint

  Date:02/01/2025

  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 genuinely love Schools First FCU for a few reasons. I like that theyre typically generous and nice with fees (such as lower interest rates or no out of network ATM fees). Their customer service is also often helpful.But I have a concern regarding their non sufficient funds fee, even when the **** does not pay a declined *** transaction. Many of the big banks, such as ********* and *************** have went away from charging *** fees if a transaction is not paid by the bank and the transaction was not presented as a physical check that was declined. Schools First FCU will always charge a NSF of $22 even when they do absolutely nothing and reject the *** transaction. To make matters worse, many merchants will resubmit said transaction multiple times until its paid or can no longer be submitted due to attempt limits, and when they do resubmit, you are charged an *** each time. This process should absolutely not be legal, especially when the bank does absolutely nothing on their end but reject the transaction? Again, many banks have ended this practice, even the big guys, so Im not sure why such a small customer friendly ********************************************* is still implementing such an archaic fee.I am also worried schools first may decide to close my account 1) due to this complaint and 2) my history of NSF fees (despite none of the transactions being covered by the bank). I like my relationship with them, but unfortunately there are months when my school paycheck comes very late as they dont do direct deposit and require me to receive a paper check by mail each month. I hope I will not be closed by Schools First FCU.Thank you.

  Business Response

  Date: 02/11/2025

  We are in receipt of a complaint filed with the Better Business Bureau by ******** ******. In the complaint, Mr. ****** states that he has concerns regarding SchoolsFirst FCU non-sufficient funds fee (NSF fee), specifically, charging an NSF fee when the transaction is not paid by the credit union. Mr. ****** also expressed concern on charging NSF fees when an item is re-presented for payment multiple times. Mr. ******* stated that he was worried that SchoolsFirst FCU may close his Membership due to filing this complaint and/or due to the history of *** fees on his Membership.
  As outlined in SchoolsFirst FCU Statement of Fees, an NSF fee of $22 is applied to any payment instrument or payment method, including check, ACH or other electronic transaction presented against a non-sufficient funds (NSF) available balance and returned. To limit the number of fees our Members incur, no more than three NSF or Overdraft fees are charged per share, per day. Additionally,SchoolsFirst FCU no longer assesses NSF fees to re-presented items, so a Member will not incur multiple NSF fees for the same item.
  We strive to serve our Members while keeping fees to a minimum. We welcome feedback from our Members as we continuously assess how we can improve, and do not retaliate for complaints filed. Mr. ******* account remains in good standing at this time.
  If Mr. ****** has any additional questions, we welcome him to contact a payment operations representative at ***********************.
  
  
  Sincerely,
  ***** ******
  Manager, Payment Operations Department
  

• Initial Complaint

  Date:01/17/2025

  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.

  To Whom It May Concern,I am writing to inform you that after recently reviewing a copy of my credit report published by your company, I identified several inaccuracies. The accounts in question are outlined below:SCHOOLSFIRST Account #: **************** Balance: $1,209.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am requesting copies of all the documents currently in your files that were used to verify the accuracy of these accounts. Please provide these documents as part of your response to this letter.I ask that you refrain from replying with a generic statement that the accounts have been verified. Instead, send me the specific records you have on file that support their verification. If no such documentation exists, I request that the disputed accounts be deleted from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate items on my credit report and sharing this information with third parties negatively impacts both my creditworthiness and my reputation.

  Business Response

  Date: 01/27/2025

  We are in receipt of the Better Business Bureau complaint regarding FCRA section 611 and 1681g.  Both regulations cited apply to *************************** which SchoolsFirst Federal Credit Union is not.  Therefore, no action has been taken as result of this complaint.

   

  Sincerely,

  **** ******

  Vice President, ************** Experience