Complaints

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

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• 

  Space Coast Credit Union

  8025 N Wickham Rd Melbourne, FL 32940-7920

• 

  Space Coast Credit Union

  6301 NW 36th St Virginia Gardens, FL 33166-7027

• 

  Space Coast Credit Union

  7171 SW 117th Ave Miami, FL 33183-2807

• 

  Space Coast Credit Union

  1205 N Atlantic Ave Cocoa Beach, FL 32931

• 

  Space Coast Credit Union

  1495 Martin Luther King Blvd Melbourne, FL 32901

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:06/19/2025

  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.

  Cristian Ordonez2520 ************************************************************* 19, 2025To:Space Coast Credit UnionAttn: Legal/Collections Department2310 *************************************: Demand for Strict Debt Validation Alleged Account Under My NameTo Whom It May Concern,I dispute any debt/account under my name. I did not open or authorize it; this is likely identity theft.Under the ***** (15 U.S.C. 1692g), **** (15 U.S.C. 1681s-2), and Florida Consumer Collection Practices Act (Fla. Stat. 559), I demand strict validation before collection or reporting.Provide:1.Original signed application with verified signature or full electronic metadata (IP, device, ********************** ID verification used at account opening.3.Full digital logs (IP, device info, *********************** transaction history with merchant ****************** receipts or proof of service with recipient signature.6.Proof of compliance with Floridas Information Protection Act (FIPA).7.Certified proof of notices sent to me.Without this, cease collection/reporting immediately. Failure violates ***** 1692e,f, FCRA 1681i, and Fla. Stat. ******, *******, *******.If you do not comply within 30 days, I will file complaints with CFPB, ***, and **********, pursue damages, and report to law enforcement.This letter serves as formal notice of my rights. Respond in writing only.Sincerely,******** *******

  Business Response

  Date: 06/23/2025

  Space Coast Credit Union takes member feedback seriously and we
  welcome the opportunity to respond to your concern submitted to the BBB on June 20, 2025. We have
  thoroughly reviewed the situation and SCCU’s Management addressed it directly with
  the member on April 15, 2025  by way of letter. In the interest of
  protecting the member’s confidentiality, we are not able to provide any details
  regarding our communications; however, we encourage the consumer to contact us
  directly if further assistance is needed.
  We appreciate you bringing this issue to our
  attention.

  Customer Answer

  Date: 06/23/2025

   
  
  Complaint: 23494664
  
  
  
  I am rejecting this response because:
  The letter did not address any of the concerns. I still need a letter from space Coast credit union stating I’m not responsible for the credit card that was fraudulently under my name. 
  
  Sincerely,
  
  
  
  Cristian Ordonez

  Business Response

  Date: 06/25/2025

  Thank you for the notification that the consumer has
  posted additional correspondence regarding the complaint. As previously
  indicated, we communicated with the consumer on several occasions via letter, and we’ve made an earnest
  attempt to resolve the situation. Currently there is no new information
  that SCCU is at liberty to disclose, due to confidentiality. SCCU would
  appreciate BBB’s assistance with closing this case.
  Please advise.
  Thank you,

  Customer Answer

  Date: 06/26/2025

   
  
  Complaint: 23494664
  
  
  
  I am rejecting this response because:
  
  
  Cristian Ordonez
  2520 Coral Way, Ste 2-162
  Miami, FL 33145
  [email protected] · (786) 390-8334
  
  I have received your recent communication alleging that I owe a debt to Space Coast Credit Union (“SCCU”). Pursuant to my rights under the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq. (FDCPA) and the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (FCRA), I hereby demand full and complete validation of this purported obligation. Until every item listed below is produced in hard-copy form, you are immediately barred from any further collection efforts, contact, or credit-reporting related to this alleged debt (§ 1692g(b); § 1692c).
  
  
  
  
  Documents Required – No Substitutions, No Redactions
  
  
  
  
  Original instrument (promissory note, loan agreement, cardholder agreement, etc.) bearing my personal signature—not an electronic reproduction—together with all riders, amendments, and disclosures.
  Full chain of title of the debt, including:
  
  Bill of sale(s) and assignment(s) from the original creditor through each subsequent owner, endorsed and notarized.
  A sworn, contemporaneous Affidavit of Sale & Transfer from each entity attesting to the accuracy of the chain of assignment.
  
  
  Itemized account ledger created at or near the time of each transaction, showing:
  
  Principal, interest, fees, penalties, insurance add-ons, payments, and charge-offs, from inception through today.
  Citations to each contractual or statutory authority permitting every fee assessed.
  
  
  Billing statements (monthly or periodic) for the entire life of the account.
  Proof of SCCU’s authority to collect in Florida, including:
  
  Copy of your active Florida consumer-collection agency license and registration number.
  Name, address, and bond number of your surety bond on file with the Florida Office of Financial Regulation.
  
  
  IRS Form 1099-C (if filed) or sworn statement that no such form has been filed with the Internal Revenue Service.
  Copy of any judgment (docket sheet and certified judgment), if one exists, together with proof of service.
  Identity-theft screen-shot(s) or fraud investigation file if any fraud flag was ever applied to this account.
  Sworn, notarized affidavit from a competent witness employed by SCCU who has personal, first-hand knowledge of the account’s creation, maintenance, and current balance, attesting under penalty of perjury that all documents provided are true, complete, and were generated in the ordinary course of business.
  
  
  
  
  
  
  Strict Compliance & Cease-and-Desist
  
  
  
  
  Cease all collection activity—telephone, text, email, mail, or third-party contact—until satisfactory validation is provided (§ 1692g(b)).
  Cease reporting or re-reporting this alleged debt to any consumer-reporting agency (§ 1681s-2). Reporting unverified information constitutes willful non-compliance and exposes you to statutory and actual damages.
  Any failure to supply each of the above items within 30 days of receipt of this letter will constitute your irrevocable waiver of all claims and your admission that no valid, enforceable debt exists.
  
  
  
  
  
  
  Reservation of Rights
  
  
  
  
  Nothing in this letter shall be construed as a waiver of any legal rights or remedies. I expressly reserve the right to pursue relief for any violation of federal or state law, including but not limited to actual damages, statutory damages, costs, and attorney’s fees under 15 U.S.C. §§ 1692k & 1681n/o.
  
  
  All future correspondence concerning this matter must be sent only to the above mailing address.
  
  
  Sincerely,
  
  
  Cristian Ordonez
  
  

  Customer Answer

  Date: 06/30/2025

  Cristian Ordonez
  2520 Coral Way, Suite 2-162
  Miami, Florida 33145
  [email protected] | (786) 390-8334
  
  
  June 30, 2025
  
  Better Business Bureau
  
  
  
  
  4411 Beacon Circle, Suite 4
  West Palm Beach, FL 33407
  
  
  
  
  Re: 
  Space Coast Credit Union – Immediate Cessation of Fraudulent Credit-Card Reporting ($2,100) and Notice of Multimillion-Dollar Litigation for Statutory & Punitive Damages
  
  
  
  
  
  
  
  
  To the Better Business Bureau:
  
  
  I submit this urgent, formal complaint against Space Coast Credit Union (“SCCU”) for its reckless reporting and attempted collection of a fraudulent credit-card account (purported balance: $2,100) opened without my knowledge, authorization, or benefit. SCCU’s continuing misconduct violates federal and Florida law so egregiously that—if the account is not permanently removed and all adverse data expunged within fifteen (15) calendar days of receipt of this notice—I will file a multimillion-dollar civil action seeking the maximum statutory, actual, and punitive damages available.
  
  
  
  
  
  
  
  
  I.  Comprehensive Statutory Violations
  
  
  
  
  FCRA & FACTA (15 U.S.C. §§ 1681–1681x)
  
  Willful furnishing of unverified, inaccurate information (§1681s-2);
  Failure to implement and follow Red-Flag Identity-Theft Program (16 C.F.R. § 681.2);
  Deprivation of my right to dispute and block fraudulent data (§1681c-2).
  
  
  FCBA & TILA (15 U.S.C. §§ 1666, 1601 et seq.; 12 C.F.R. § 1026)
  
  Liability for unauthorized use exceeds the $50 cap (§1643) because SCCU never issued me a card, statement, or disclosure;
  Non-production of required billing evidence within two billing cycles (§1666).
  
  
  Gramm-Leach-Bliley Act & ECOA (15 U.S.C. §§ 6801, 1691)
  
  Negligent safeguarding of “non-public personal information” (16 C.F.R. § 314);
  Failure to obtain or retain any “application signature & bona fide identity verification” (Reg B, 12 C.F.R. § 1002).
  
  
  Florida Statutes
  
  Identity Theft—§ 817.568 (third-degree felony exposure);
  FDUTPA—§ 501.204 (unfair, deceptive practice—treble-damage remedy).
  
  
  FDCPA (15 U.S.C. § 1692 et seq.) (to the extent SCCU uses third-party collectors)
  
  Collection of a debt that “is not legally enforceable” (§1692e(2)(A)).
  
  
  
  
  
  
  
  
  
  
  
  
  II.  Verification Burden—Strict Production Requirements
  
  
  
  
  To satisfy the FCRA’s “reasonable investigation” and TILA/FCBA dispute provisions, SCCU must produce all of the following, each bearing an unaltered audit trail, notarized custodian affidavit, and a chain-of-custody attestation:
  # Required Original Evidence (No Re-creations or “Screenshots”)
  1 Wet-ink, signed credit-card application (front & back).
  2 Government-issued photo ID, front & back, captured at application.
  3 KYC supporting documents: proof of address, SSN card copy, employer info.
  4 IP-address logs, geolocation data, MAC/device identifiers, & timestamped session metadata for account origination and first use.
  5 In-branch surveillance video (with unbroken timestamp) if opened in person.
  6 Voice recordings of any phone activation, with expert-verified voiceprint match.
  7 Itemized billing statements, merchant authorization logs, and EMV chip transaction metadata.
  8 Internal Red-Flag rule alerts & override justifications.
  9 Comprehensive fraud-investigation file notes (all versions).
  10 Board-approved identity-theft-prevention policy in effect at the time of account opening.
  Failure to deliver every item above, in admissible form, renders SCCU legally incapable of “verifying” the debt under 15 U.S.C. § 1692g(b) and 15 U.S.C. § 1681i(a)(5)(A).
  
  
  
  
  
  
  
  
  III.  Demands & Litigation Notice
  
  
  
  
  Immediate and unconditional deletion of the fraudulent account from all consumer-reporting agencies, internal systems, and downstream data furnishers.
  Written statement—under penalty of perjury—confirming I owe $0, have no past, present, or future liability, and that negative reporting will never reappear.
  Delivery (via certified mail & secure portal) of the entire documentary set listed in Section II, or a sworn declaration that it does not exist.
  
  
  
  
  If SCCU fails to fully comply within 15 days (by July 15, 2025), I will commence a civil action in the United States District Court for the Southern District of Florida seeking not less than $2,500,000 in compensatory and punitive damages, plus attorneys’ fees, costs, and any additional relief deemed just and proper. Grounds will include willful FCRA violations (statutory damages up to $1,000 per violation; punitive damages uncapped), negligent identity-theft facilitation, negligent data-security practices, and violations of Florida’s FDUTPA and §817.568.
  
  
  This letter constitutes final pre-litigation notice. All further communications must be in writing only to the postal and e-mail addresses above. Any telephone contact will be logged as additional FDCPA violations.
  
  
  
  
  
  
  
  
  Requested BBB Action
  
  
  
  
  Open an immediate case file under BBB rules, require SCCU’s written response, and post the outcome to SCCU’s public BBB profile.
  Forward this complaint to the Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), and the Florida Office of Financial Regulation for concurrent enforcement.
  
  
  
  
  
  
  
  
  
  
  Respectfully,
  
  
  Cristian Ordonez
  
  
  
  

• Initial Complaint

  Date:06/16/2025

  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.

  There were 3 unauthorized charges taken from my checking account from a company called ********. As soon as I noticed them I contacted customer service, I also noticed my phone number on my account was incorrect. The girl took the info and said they would look into to it. I have NEVER heard of the company, never used them, and dont know anyone out of the country and definitely not the people the money went to. Ive gone to my local branch and they have been NO help to resolve this issue. I was told by a worker I have used this company in the past but they would give me no proof, Sendwave was no help either. According to the electronic fund transfer act, the most I can be liable for is $50.00, Im out a lot more than that. If you cant resolve this issue I continue doing research until I get my money back.

  Business Response

  Date: 06/24/2025

  Dear Ms. Scott,
  Thank you for bringing this matter to our attention. We
  sincerely apologize for any inconvenience or frustration this situation may
  have caused. At Space Coast Credit Union, we are committed to providing
  exceptional service and taking your concerns very seriously.

  
  Your feedback has been shared with the appropriate team
  members, and we are currently reviewing your account to ensure the issue is
  addressed thoroughly. We appreciate your patience and look forward to working
  with you toward a prompt and satisfactory resolution.

  
  

• Initial Complaint

  Date:06/10/2025

  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.

  Hello I wanted to make an complaint against my bank space coast credit union they are withholding me from funds in my account its been 2 soon be 3 months my account been on hold Ive been trying to get the reason as to why is it on hold and the only thing they tell me is they are conducting an investigation and they will be sending me information in the mail I have YET to receive any information each time I call its always an inconvenience I was once told that in the notes it stated to not let me speak to a supervisor I called back to verify if what i heard was correct Ive expressed to them Im running a business I have a collaboration with 2 other companies for a wedding and it was a rushed wedding so of course were charging an rush fee I was very open with my bank about everything and this isnt the first time they had my account frozen due to an large amount being sent to me but this time they were very rude I still dont know why my account is frozen and they violated 6 statues so far one I will name is Infringement on access to funds Florida statue ******* 12 U.S.C. 1693 (under the *************** Transfer Act): This act provides protections for consumers against restrictions on access to their electronic funds without proper notice or legal justification.

  Business Response

  Date: 06/17/2025

  Space Coast Credit Union takes member feedback seriously and we
  welcome the opportunity to respond to your concern submitted to the BBB on 06/11/2025. We have thoroughly
  reviewed the situation and SCCU’s Management  addressed it
  directly with the member on 06/17/2025 by way of LETTER: The
  letter should be received within the next 5 business days.In the interest of protecting the member’s confidentiality,
  we are not able to provide any details regarding our communications; however,
  we encourage the consumer to contact us directly if further assistance is
  needed.
  We appreciate you bringing this issue to our
  attention.

• Initial Complaint

  Date:06/06/2025

  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.

  I am not liable for the debt claimed by SPACECOASTCU. There is no contractual relationship between me and SPACECOASTCU, and they have not supplied the original agreement as requested.

  Business Response

  Date: 06/17/2025

  Space Coast Credit Union takes member feedback seriously and we
  welcome the opportunity to respond to your concern submitted to the BBB on 06/09/2025. We have thoroughly
  reviewed the situation and SCCU’s Management addressed it directly with the members on 06/16/2025 by way of LETTER: The letter should be received within the next 5
  business days. In the interest of protecting
  the member’s confidentiality, we are not able to provide any details regarding
  our communications; however, we encourage the consumer to contact us directly
  if further assistance is needed.
  We appreciate you bringing this issue to our
  attention.

• Initial Complaint

  Date:05/08/2025

  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.

  Money was stolen from my account. The funds, account, and online account have not been resolved.

  Business Response

  Date: 05/23/2025

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 09, 2025. We have thoroughly reviewed the situation and **************** addressed it directly with the member on May 21, 2025 by way of letter.  The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:05/08/2025

  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 against Space Coast Credit Union regarding the grossly inaccurate balance of $3,713.00 reported under account number ********** on my *************************** and Experian credit reports. This balance is completely unfounded and has no legitimate connection to my financial history. Given the widespread and ongoing threat of data breaches that continue to expose millions of consumers' personal information, it is clear that my sensitive data may have been compromised, leading to this severe financial harm. It is deeply troubling that Space Coast Credit Union has failed to take the necessary steps to secure my personal data and verify the accuracy of this account before reporting it, despite the severe impact it is having on my financial stability and peace of mind. This reckless disregard for my rights as a consumer is a clear violation of the Fair Credit Reporting Act (FCRA), specifically 15 USC 1681i, which requires that all data furnished to credit reporting agencies must be accurate and promptly corrected when errors are identified. Furthermore, under 15 USC 1681n, Space Coast Credit Union is exposed to substantial legal liability for willfully failing to comply with these obligations, including actual damages, punitive damages, and attorney's fees. The continued presence of this false balance on my credit reports is not just a minor oversight but a severe breach of my rights, resulting in unnecessary financial hardship and emotional distress. I demand that Space Coast Credit Union immediately investigate this matter, correct the false balance, and take all necessary steps to prevent further damage to my financial health. If this issue is not resolved swiftly, I will pursue all available legal remedies to hold Space Coast Credit Union accountable for the damage they have caused to my financial reputation and peace of mind. This ongoing negligence is unacceptable, and I expect immediate corrective action to restore the accuracy of my financial records.

  Business Response

  Date: 05/13/2025

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 08, 2025. We have thoroughly reviewed the situation and **************** addressed it directly with the member on May 09, 2025 by way of letter. The letter should be received within the next 5 business days.> In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:05/07/2025

  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 spoke to a credit *** about my credit card explained I been unemployed almost a year he explained to me to attempt to make some form of a payment ***** an I can be ok now all my accounts are closed Im unable to speak to the **** due to there working hours an my working hours now no one can help cause only that team can help

  Business Response

  Date: 05/11/2025

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 08, 2025. We have thoroughly reviewed the situation and **************** addressed it directly with the member on May 09, 2025 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:05/07/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 05/13/2025

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 07, 2025. We have thoroughly reviewed the situation and **************** addressed it directly with the member on May 09, 2025 by way of letter. The letter should be received within the next 5 business days.> In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

• Initial Complaint

  Date:04/09/2025

  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.

  My accounts were compromised and my transactions, banking information including paychecks, credit cards, ***** accounts were being downloaded for at 3 months without my knowledge.

  Business Response

  Date: 04/23/2025

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on April 10, 2025. We have thoroughly reviewed the situation and **************** addressed it directly with the member on April 22, 2025 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.

  Customer Answer

  Date: 04/26/2025

   
  Complaint: 23184902
  
  I am rejecting this response because:
  
  The letter did not contain any information regarding breach. I think breach occurred in ******* and/or ***************** *******.  I still dont have information regarding fraudulent logins location or how my account was compromised? Why only one alert in 3 months?  Disappointed in security that allowed the breach, and Broward customer service, not helpful?? 
  
  Sincerely,
  
  ***** ******

  Business Response

  Date: 04/28/2025

  Thank you for the notification that the consumer has posted additional correspondence regarding the complaint. As previously indicated, we did communicate with the consumer on April 22nd via letter, and weve made an ******* attempt to resolve the situation. At this time there is no new information that SCCU is at liberty to disclose, due to confidentiality. SCCU would appreciate BBBs assistance with closing this case.
  Please advise.
  Thank you,

  Customer Answer

  Date: 04/28/2025

   
  Complaint: 23184902
  
  I am rejecting this response because:
  
  Sincerely,
  
  ***** ******

  Customer Answer

  Date: 04/28/2025

  I have not received any information about where the breach occurred and why it took 3 months to get any type of alert. Id like to see where the logins were from? Did breach occur in Broward of **********? 
  

  Thank you. 

  Customer Answer

  Date: 04/29/2025

  Thank you for the information. The business is citing confidentiality but it was MY confidentiality that was breached and no information is provided on how, why or where, and since when this was occurring on my accounts. I am a long time accounts holder and business has not provided any information on what occurred and how my account, including password, security answers, zelle, and credit card information was breached. I give permission for this to be public as I am very disappointed with SCCU handling. 

  Customer Answer

  Date: 05/03/2025

  The business cites confidentiality as a reason for not giving details or information on what occurred for 3 months.  However, it was my confidentiality that was breached without an explanation given. All my credit card information, **** ***** and *****. 

  Customer Answer

  Date: 05/05/2025

  The business cites confidentiality as a reason for not giving details or information on what occurred for 3 months.  However, it was my confidentiality that was breached without an explanation given. All my credit card information, **** ***** and *****. 

  Business Response

  Date: 05/05/2025

  Thank you for the notification that the consumer has posted additional correspondence regarding the complaint. As previously indicated, we did communicate with the consumer on April 22, 2025 via letter, and weve made an ******* attempt to resolve the situation. At this time there is no new information that SCCU is at liberty to disclose, due to confidentiality. SCCU would appreciate BBBs assistance with closing this case.
  Please advise.
  Thank you,

  Customer Answer

  Date: 05/07/2025

   
  Complaint: 23184902
  
  I am rejecting this response because:
  
  I have pending charges incurred due to the breach and still in the process of trying to resolve.  
  

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

• Initial Complaint

  Date:04/09/2025

  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 lodge a formal complaint against Space Coast Credit Union for their reckless and unlawful actions in handling an identity theft case involving a fraudulent credit card account opened under my name. I demand that the Better Business Bureau intervene and address these violations immediately.The account in question was opened using fraudulent information, and Space Coast Credit Union is in violation of the following laws:1.The Fair Credit Reporting Act (FCRA) (15 U.S.C. 1681 et seq.) This law ensures that individuals are not held liable for fraudulent accounts. By allowing the fraudulent account to remain open and reporting false information to credit agencies, Space Coast Credit Union has violated my rights under the ****, which includes ensuring accurate information is reported and promptly investigating disputes regarding fraud.2.The Fair Debt Collection Practices Act (*****) (15 U.S.C. 1692 et seq.) Space Coast Credit Unions failure to close this fraudulent account and the subsequent attempt to collect on it, despite being aware of the fraud, is in direct violation of this act. The ***** prohibits the collection of debt that is not owed by the *********** be very clear: the address listed on the application for this account was a *** PO Box, which is not a valid residential address and raises a significant red flag. Additionally, the phone number listed, ************, was confirmed as fraudulent through an investigation by the *** in collaboration with T-Mobile, who identified it as associated with a fraudulent T-Mobile account under my name.I demand that Space Coast Credit Union immediately close this fraudulent account, remove any and all negative reports related to it from my credit history, and cease any further attempts to collect on it. Furthermore, I insist that they provide written confirmation that they have corrected the situation.

  Business Response

  Date: 04/17/2025

  Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on April 10, 2025. We have thoroughly reviewed the situation and **************** addressed it directly with the member on April 15, 2025 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
  We appreciate you bringing this issue to our attention.