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Business Profile

Credit Union

Florida Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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Florida Credit Union has 12 locations, listed below.

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    Customer Complaints Summary

    • 26 total complaints in the last 3 years.
    • 9 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/20/2025

      Type:Product 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 receive mail from this company for a person named ******* * ****, who I do not know and does not live here. I have lived at this address for 10 months. I repeatedly return the mail to the company and they continue to send it. I have sent a message online using their chat function, advising them of the issue and that the person is fraudulently using my address. I continue to receive this mail. I have tried calling the company multiple times but they never answer the phone. I want to stop receiving mail for this person and for the company to confirm my identity is not being falsely used

      Customer Answer

      Date: 03/27/2025



      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]


       Complaint: 23089133


      I am rejecting this response because:

      The business has bot provided a response or resolution.


      Regards,


      Alicia Delling






      Business Response

      Date: 04/21/2025

      In response to the complaint made by ****** *******, we
      appreciate you contacting us regarding this matter. Privacy laws prohibit us
      from discussing account information with a third party. We have responded to
      our member to seek a resolution.

    • Initial Complaint

      Date:03/17/2025

      Type:Product Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On February 25, 2025, I contacted the bank regarding an electronic check I received from a purported potential employer. The individual instructed me to deposit the check via mobile deposit. This was a new process for me, so I sought clarification from my bank. I explained the situation and was assured that the procedure was normal. However, this proved to be incorrect. The check was returned, and the funds were withdrawn from my account, despite being initially told the check was "deposited and available" the following morning. This led me to believe the funds were accessible and that the bank representative was reliable.

      Upon realizing the error, I immediately contacted the bank. At that time, the transactions were still pending. They refused to cancel the pending transactions, despite my repeated concerns. I was repeatedly reassured that everything would be resolved, and that I simply needed to wait for the payments to post before disputing them. They stated that this was a common occurrence and that they would handle it. However, after following their instructions, I was given contradictory information. I was then told that the transaction was akin to cash, which is inaccurate. I did not physically hand over money. This was a digital transaction, over which the bank, not I, had control. The loss of funds resulted from the bank's incorrect procedures and misleading information.

      Customer Answer

      Date: 03/17/2025

      Here is the picture of the deposit. It was taken back out of my account.  

    • Initial Complaint

      Date:03/10/2025

      Type:Product Issues
      Status:
      Resolved
      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 money was taken out of my account due to fraud for a service I never received (dental) and there was no way I could contact this person

      Business Response

      Date: 03/27/2025

      Better Business Bureau:
      In response to the complaint made by ******** ***************, we
      appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing
      account information with a third party. 
      We have responded to our member to seek a resolution.

      Customer Answer

      Date: 03/27/2025

      [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]


      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. 





      Regards,



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




       

    • Initial Complaint

      Date:10/01/2024

      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.
      I don't know what's going on but when I went inside my bank to sign my loan documents for my home my banker gave me a copy of my credit report and I notice FLORIDA CREDIT UNION listed on my EQUIFAX 2 times on the same day on August 04, 2024. This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b(c): Transactions Not Initiated by Consumer. If you are in possession of any document that you believe authorizes you or your organization to make inquiries into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I'm sure you'll agree that verifying your information is in your best interest. Finally, assuming you do not possess inquiry authorization, I request that, after removing your unauthorized inquiries from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. I'm also asking for security footage for the day of August 04, 2024 and any documentation you may have for the person who tried to open an account in my name. I filed a police report, and my next complaint will be to the CFPB and The State Attorney.

      Business Response

      Date: 10/15/2024

      Good afternoon,

      Please see our response to this complaint attached. 

      Thank you,

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

      Customer Answer

      Date: 10/16/2024



      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]


       Complaint: ********


      I am rejecting this response because: I am not a member of this credit union. What are you talking about it. Someone stole my identity and try to apply for an account with your bank. It put a hard inquiry on my EQUIFAX report. Please do something about this. To get rid a me all you did was add my name to a pre made ready letter. Again FIX THIS ISSUE CAUSE YOU ALL NO DAM WELL I DON'T HAVE AN ACCOUNT WITH YOU ALL. 


      Regards,


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






      Business Response

      Date: 10/17/2024

      Good afternoon,

       

      Attached is our response to this complaint.

       

      Thank you,

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

    • Initial Complaint

      Date:09/05/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I had took out a cash loan at florida Credit unions two times I paid it back but I came into a homeless situation and I couldn’t pay the money right back .Which at the time and still is in a alpha shelter.

      So I went into the bank to explain to the bank representative she said just try to pay it back.I’m living in an alpha shelter right now .So last week I went to pay my car insurance and it said I had only 22.00 dollars after my check was deposited every week my car payment credit card and loan come out on automatic . So I noticed the back took $150.00 out toward the cash advance which let 22.00 dollars.
      ??So the next day I call crying my car insurance due ***** you don’t need to yell ok **. ***** who would’ve not been shark of this out come.??

      I need my car for work and I was transferred to a Supervisor name ***** just no Empathy at all.

      I’m not refunding it we need our money I go but no one notify me about this we don’t have to !

      I said not 75.00 but 150.00 dollars 22.00 dollars for me to live on gas and food .

      ***** go is there anything else .
      So now the second week they have did the same thing took all my money and left me with 22.00 dollars another week .

      I have been borrowing to get to work ***** ask like he was the big chief he didn’t care if I was sleeping in the park starving he wasn’t refunding me anything.

      But who gave permission to take
      $ 150.00 when they see every week 88.00 car payment 20.00 credit card 20.00 flash loan and they automatic $150.00 to who does that to someone the Supervisor ***** has no business working with customer.
      Then he hung up on me after saying is there anything else I can help you with I’m just so disappointed.
      Can’t pay my car insurance cause two weeks I only brought in 44.00 dollars.

      Business Response

      Date: 09/17/2024

      Good afternoon,

       

      Attached is our response to the complaint from ***** ******. Please feel free to reach out with any further questions.

       

      Thank you, 

    • Initial Complaint

      Date:08/02/2024

      Type:Service or Repair Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I have a problem with my account . $897.00 was transferred to pay off my auto loan without my permission. When I called in I was transferred to ********* in member solutions. To be honest, she was really rude and condescending about the situation. The funds that were transferred were for my mortgage and children’s school supplies. When I asked if I can at least be refunded half the cost , I was told no and when I asked to speak with someone else I was transferred to a voicemail. When I called back another person from the same department said “********”? didn’t my co-worker already transfer you to the voicemail. Like there is has to be someone else I can speak to or can correct this. I have banked with FCU for almost 6 years and today I felt belittled.

      Business Response

      Date: 08/09/2024

      August 9, 2024
      Better Business Bureau:
      In response to the complaint made by ******** *******, we
      appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing
      account information with a third party. 
      We have responded to our member to seek a resolution.

      Best regards,


      *** ******
      SVP Credit Services
      Florida Credit UnionAugust 9, 2024

      Customer Answer

      Date: 08/10/2024



      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]


       Complaint: ********


      I am rejecting this response because:

       

       they have not reached out to me . They have not called or responded. 


      Regards,


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






      Business Response

      Date: 08/12/2024

      Good afternoon,

       

      As of Friday, August 9th, we have sent a letter in the mail with our response to ******** *******. 

      Business Response

      Date: 08/12/2024

      Good afternoon,

       

      As of Friday, August 9th, we have sent a letter in the mail with our response to ******** *******. 

    • Initial Complaint

      Date:07/10/2024

      Type:Billing Issues
      Status:
      Unresolved
      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 missed my 2/2024 payment on my loan and have tried to make every contact with FCU without any returned phone calls. When I finally got someone named ****** on the phone in May I told her I needed to cancel the biweekly autopay that my pay schedule had gone to monthly so I immediately set up the full monthly payment and she said she would move the past payments to the end of the loan. She never did that and locked me out of my account from making future payments. I've sent countless emails to a manager, *** with no returned calls, spoke to someone named *** showing proof of the scheduled payments that they never took out of my account and then reported it to the credit bureaus as late. I have no way whatsoever to make my payments online now due to being locked out. I've been called a liar by ****** about scheduling a payment so I've attached those to this email. She did not follow through with her agreement to add the past payments to the end of the loan and continues to report me to the credit bureaus as not making payments however I can't make the payment. I would like my credit report updated, late payments credited. The customer service is nonexistent with this credit union,

      Business Response

      Date: 07/25/2024

      July 25, 2024
      Better Business Bureau:
      In response to the complaint made by ******* ******, we
      appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing
      account information with a third party. 
      We have responded to our member to seek a resolution.

      Best regards,


      *** ******
      SVP Credit Services
      Florida Credit Union

      Customer Answer

      Date: 07/26/2024



      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]


       Complaint: ********


      I am rejecting this response because:

      I’ve left countless voicemails and send numerous emails to *** for resolution to not have any calls or emails returned.  All the while they’re continuing to ruin my credit report.  They’ve made absolutely no attempt whatsoever to resolve this issue.  I scheduled payments that they never took out and have now completely locked me out of my account from making payments.  This credit union has the absolute worst customer service as this matter has gone on for months.  If the matter is not corrected, meaning if I continue to not be able to login and make payments and if my credit report is not corrected with the negative remarks/ late payments removed due to not being able to access your system I will be hiring representation. 


      Regards,


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






      Customer Answer

      Date: 08/09/2024

      Hi,

      I have not had any communication from Florida credit union regarding my complaint. 

    • Initial Complaint

      Date:07/08/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Two days ago I was on hold for an hour then got hung up on. Today I was on hold and the phone just went silent and got hung up on. I can't get a hold of anyone. I paid off my loan And it says to call you guys after I pay it off to close it out.

    • Initial Complaint

      Date:03/06/2024

      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.
      I'm writing to express my urgent concern about the disclosure of my personal information to credit bureaus, resulting in inaccuracies on my credit report. This has caused significant financial and emotional distress.

      As outlined in 15 USC 1681 Section 602, I assert my right to financial privacy and expect my information to be treated confidentially.

      Furthermore, 15 USC 1681 Section 604(a)(2) underscores that a consumer reporting agency cannot share account information without my explicit consent, which I haven't provided.

      I've identified discrepancies on my credit report associated with FLORIDA CREDIT UNION, negatively impacting my financial situation. I urgently request the correction of these errors.

      Additionally, I want to emphasize 15 USC 1666(b), which prohibits creditors from treating credit card payments as late under specific circumstances.

      For your reference, my account details are as follows:
      Account Number: 5439460001****

      I request a thorough review of my account, immediate rectification of credit report inaccuracies, and strict compliance with federal laws governing my information.

      Failure to address these concerns promptly may result in legal action. Your prompt attention to this matter is appreciated.

      Sincerely,
      Lamar Williams

      Business Response

      Date: 03/19/2024

      March 19, 2024
      Better Business Bureau:
      In response to the complaint made by ***************************, we appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing account information with a third party. We have responded to our member to seek a resolution.

      Best regards,


      *******************
      SVP Credit Services
      Florida Credit Union

      Customer Answer

      Date: 07/25/2024

      I am urgently writing to address inaccuracies on my credit report due to the unauthorized disclosure of my personal information to credit bureaus, causing significant financial and emotional distress. According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to be kept confidential. Moreover, as stated in 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot share account details without my explicit consent, which I have not given. The errors linked to FLORIDA CREDIT UNION have adversely affected my financial standing and require immediate correction. Furthermore, please ensure compliance with 15 USC 1666(b), which prohibits creditors from marking credit card payments as late under specific conditions. For reference, my account details are: Account Number: ************** I request a thorough review of my account, prompt correction of the credit report errors, and strict compliance with federal laws regarding my information. Failure to promptly address these issues may result in legal action. I appreciate your immediate attention to this matter. Sincerely, ***************************

    • Initial Complaint

      Date:01/02/2024

      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.
      I have had an auto loan with the Florida Credit Union since 2014- In 2021 I moved to Kentucky, so my payments fell behind and I was not able to catch up. They threatened with repossession, so I refinanced and was able to have the account caught up. Since 2021 they have been charging me $22.28 from my loan payments, that I did not notice until 10/2023. Due to this fee I am not able to bring the loan amount down because it keeps brining the amount back up. When I asked about the fee, they said it was not a fee but a charge for insurance because they did not have my car insurance on file, which is a lie because you cannot drive in Kentucky without car insurance. The CU provided me with the number to call and have it cancelled. I gave the insurance company my car insurance information. The next payment they took the fee again, I called the CU and they directed me to the insurance company, which redirected me back to the CU saying that it was up to them to cancel it. She also mentioned I may be able to get the total amount that was erroneously taken put back towards my loan. I mentioned this to the CU and they then said that the fee was for debt protection that was not authorized. I asked them to cancel that, and with the next direct deposit another fee was taken out, which is now being called a late fee. The payment plan that they agreed to is to get a certain amount deposited directly to the loan. There should not be a "late fee" due to the loan being paid every two weeks via direct deposit. Can you please help me? This company is swindling me and it needs to stop.

      Business Response

      Date: 01/05/2024



      January 5, 2024
      Better Business Bureau:
      In response to the complaint made by ******* ******, we
      appreciate you contacting us regarding this matter.  Privacy laws prohibit us from discussing
      account information with a third party. 
      We have responded to our member to seek a resolution.

      Best regards,


      *** ******
      SVP Credit Services
      Florida Credit Union



    Florida Credit Union is NOT a BBB Accredited Business.

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