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Business Profile

Credit Union

Florida Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

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:07/20/2023

      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.
      On July 6th I deposited a check for $5,700 in person to a teller. I was told because my account was new that the check would be placed on a 7 business day hold and released 7/17 (deposit receipt will be attached). It was a bonus check from a previous job I had. 3 business days after the day of deposit my online banking was restricted but my card was still allowing me to deposit money through Cashapp and Apple pay and also make purchases. I called Thursday July 13th asking why my mobile banking was restricted and I was told it was because the check was suspected to be fraudulent, I denied these claims but was rudely told by a bank employee that the check was fraudulent. I called back Tuesday July 18th which is one business day after the check was supposed to be available and which is also the 12th day and 8th business day after the deposit, I was told that the check would not be released or my account unrestricted until I could provide paystubs that would verify my employment with the check writer. I provided these paystubs the same day and as of 9:30am July 20th (the 10th business day and 14th calendar day after the day of deposit) I have received no correspondence from Florida Credit Union and my account is still locked with money that wasn't even from the check deposit. This financial institution is breaking federal regulation CC as it is true Financial Institutions can choose their own funds availability schedule for new accounts however: Florida Credit Union is not following the funds availability schedule set forth in the deposit agreement I was furnished or the deposit receipt I was given at the time of deposit. Not only that but once the check was suspected to be fraudulent the hold should have changed from a new account hold to a doubt of collectibility hold, which according to Federal Regulation CC I should have received a written notice about any hold extending the 7 business days I was told.

      Business Response

      Date: 07/26/2023

      July 26, 2023
      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

    • Initial Complaint

      Date:06/12/2023

      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 submitted a transaction dispute on June 7th 2023. Florida credit union refuses to submit my claim to visa even though I provided an ample amount of evidence and claims I need to submit something else. I am demanding my claim be submitted to visa.

      Business Response

      Date: 06/14/2023

      June 13, 2023
      Better Business Bureau:
      In response to the complaint made by Ma**** ******, 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.

      In general, Visa provides guidance on how transaction
      disputes are to be handled, which Florida Credit Union follows when processing
      a dispute and providing an outcome.

      Best regards,


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

      Customer Answer

      Date: 06/15/2023



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

       ********** ********


      I am rejecting this response because:

      This doesn’t answer or address my issue. Speaking to someone in card services, I was told it wasn’t going to be submitted to Visa because they feel they wouldn’t win it. If I’m asking you to submit it, then submit it. I submitted all required documents to file the dispute. Florida Credit Union is blatantly denying my consumer financial right and recourse.


      Regards,


      Ma**** ******






    • Initial Complaint

      Date:05/10/2023

      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.
      FCU is refusing to honor the $300 for opening an account with them. I was hung up on by the FCU agent yesterday. She responded by saying that she had 60 customers on hold and the bank is very busy when i was researching to find out with her why i have not been honored with the 300 dollar bonus. My call was not important as she stated. I followed all the requirements by opening a checking and a savings account. Depositing $5.00 in the savings and having a direct deposit of $500 into my checking account. FCU does not communicate with you via email or phone calls. I have emailed on their website, which is for customers. The agent said that they do not respond when you email from the FCU website. I also email the bank from my FCU app and never had a reply regarding my questions concerning my direct deposit. This is not the way to treat customers as their flyer said they are welcoming new customers and are efficient. I have since stopped my direct deposit from being deposited and I will not do business with FCU.

      Business Response

      Date: 05/11/2023

      May 11, 2023
      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,


      ******* *******
      VP Branch Operations
      Florida Credit Union

    • Initial Complaint

      Date:05/09/2023

      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.
      Obtained an auto loan on 3/30/23 was told all paperwork was filed and they were to take care of everything and send me my tags. Was told their title department would take care of all DMV paperwork here it is now may the car is parked due to expired temporary tags and still no information from them about my tags and registration. They want the first payment but have occurred me a cost of a rental out of pocket and still haven't taken care if the title registration or Obtained tags this is the most insane bank ever

      Business Response

      Date: 05/16/2023

      May 16, 2023
      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,

      *** ******
      *** ****** ********
      Florida Credit Union

    • Initial Complaint

      Date:01/10/2023

      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 had a loan with Florida Credit Union, it has been paid off. I do not live near the Florida Credit Union Branch in Gainesville, FL I have a small amount in a savings which i have no debit card for (never had one) that i would like to get back. I have tried to call every day, and cant sit on the phone for a half and hour at a time. No one ever answers. I have written to them 3 times no one has called me no one has written me back. I just want to get the $132.00 that is left on the savings account. (************.
      I would appreciate if you can contact them.
      thanks
      Helen nolan

      Business Response

      Date: 01/12/2023

      January 12, 2023
      Better Business Bureau:
      In response to the complaint made by Helen Nolan, 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,


      ******* *******
      VP Branch Operations
      Florida Credit Union

    • Initial Complaint

      Date:12/01/2022

      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.
      My credit union garnished 3/4 of my paycheck to cover a loan I had started making payments on.

      Business Response

      Date: 12/14/2022

      December 14, 2022
      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,


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

    • Initial Complaint

      Date:10/26/2022

      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 spoke to representative when I got laid off in April about the monthly payments & was told as long as a payment was never 30 days late I would not have a late fee which was important to me as I was playing catch up & was laid off for 4 months not returning to work till august. I Spoke with a representative on Friday 10/21 and told her I would be making a payment of $252.18 on October 28th. She informed me that there would be no late fee if the account didn’t go 30 days late meaning as long as September 28ths payment was received before October 28th I would be fine. This morning I was concerned as the balance has not went down since June or July, I went through my statements this morning and noticed that since 4/17 I have been charged $250.21 in late fees. The account has never went over 30 days past the due date as I was told. I called in this morning & was transferred for someone by the name Jennifer who was completely disrespectful to me, continued speaking over me & refused to tell me who her boss was so I could speak with them as I was in tears with this woman on the phone. I called back, was told her boss’s name by another employee & left him a message. At this point in time I’ve not spoken to him & my call has not been returned.

      Business Response

      Date: 11/07/2022

      November 7, 2022
      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,


      *** ******
      *** ****** ********
      Florida Credit Union

    • Initial Complaint

      Date:10/17/2022

      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.
      I opened an account because I received an offer for $500 for opening an account and setting up direct deposit. I have setup direct deposit with my employer and it’s been returned twice. Every time I call the credit union I get the run around.

      Business Response

      Date: 10/20/2022


      October 20, 2022
      Better Business Bureau:
      In response to the complaint made by Pedro Dahdah, 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,


      ******* *******
      ** ****** **********
      ******* ****** ****n

    • Initial Complaint

      Date:10/04/2022

      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.
      I purchased a car on 07/28/2022 came in and made a payment of 12500.00 on 09/26/2022 and asked them to cancel my warranty of 499.00 on 09/27/2022 which they said should not be a problem went back on 09/28/2022 and was told that was told they are not able to cancel the warranty. To resolve this issue I would like for them to cancel the warranty.

      Business Response

      Date: 10/06/2022

      October 6, 2022
      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,


      ******* *******
      VP Branch Operations
      Florida Credit Union

    • Initial Complaint

      Date:10/04/2022

      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 opened a new credit card from ******* ****** *****. They charged me $40.80
      I spoke to a supervisor today, she advised it was in the fine print, and she was not willing to reverse the charge even though I cancelled it with her today. I don't understand how I can be charged for something I obviously didn't sign up for. No paperwork, emails, nothing was sent to me regarding this fee. I just received a bill in the mail showing me this fee. It didn't even state on the statement what the fee was for. It just said "fee" $40.80. When I called and spoke to the supervisor, she stated that fee was for credit protection. I kindly advised her I did not sign up for that and would like it cancelled and fee reversed. She said she would not reverse the fee.

      Business Response

      Date: 10/06/2022

      October 6, 2022
      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,


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

      Customer Answer

      Date: 10/06/2022


      [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 becausse

      I called 2x and left voicemails, still waiting for response. I authorize them to communicate to me through this website or via my email




      Regards,


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







      Business Response

      Date: 10/11/2022


      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,


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


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

    Florida Credit Union is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

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