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Business Profile

Credit Union

Space Coast Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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Space Coast Credit Union has 67 locations, listed below.

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    Customer Complaints Summary

    • 99 total complaints in the last 3 years.
    • 39 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:04/02/2024

      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.
      Because of paying my bills on time Space Coast Credit Union keeps lowering my Fico score month after month for no reason. All of my accounts are pay on time no late payments whatsoever I have a clean record on my credit bureaus.

      Customer Answer

      Date: 04/02/2024

      Not only Space Coast Credit Union lower or report negative information without reason, because last month I disputed their wrong balance to the credit bureaus they reported something and lower my score again by 14 points for no reason. 
      o the month of February because of them I lost more than 22 points so if you ad that the total is 36 points , they are damaging my credit score without a good reason, I have a perfect payment history with them no late payments whatsoever no collections all my credit cards are fully paid , so I dont know what is happening. 

      Business Response

      Date: 04/29/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on April 8, 2024. We have thoroughly reviewed the situation and SCCUs Director of Operations addressed it directly with the member on April 11, 2024. 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:03/28/2024

      Type:Customer Service 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.
      Someone applied for a car loan and put my phone number, not a big deal so the next time they call I let them know the number is wrong or whatever but please stop calling. A week later they text me again , ok I call and let them know my number isnt to be used cause Ive never had an account or a loan from them so kindly update you information. Now 5 hours later I get three text messages in a minute from them and now they are mad that Im tired of getting contacted. How are you going to mad at someone who never had an account with you and has told three customer service people and one supervisor to stop calling. If this is how they like to treat people who dont bank with them Id hate to see how they treat their customers. From reading the complaints ******* with a loan shark before them!

      Business Response

      Date: 04/07/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on March 28, 2024. We have thoroughly reviewed the situation and completed the request in the complaint. The consumer does not want SCCU to contact them and in the interest of protecting the consumers confidentiality, there is no new information that SCCU is at liberty to disclose. 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:03/18/2024

      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 would like to Space Coast Credit Union remove from Experian and Equifax the potentially negative information (late payments). The account was paid in full in a timely mater.

      Business Response

      Date: 05/15/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on March 18, 2024.  We have thoroughly reviewed the situation and ****'s VP of Operations addressed it directly with the member on April 7, 2024 by way of letter.  The letter should be received within 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.


      Business Response

      Date: 05/15/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on March 18, 2024.  We have thoroughly reviewed the situation and ****'s VP of Operations addressed it directly with the member on April 7, 2024 by way of letter.  The letter should be received within 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:03/07/2024

      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 never dealt with a bank like this before. I requested the information to the legal department. The disgusting customer service agent that I dealt with refused to give that information. From the nastiness with each employee that Ive dealt with to the underwriter declined your application because they wanted to as ********************* stated on our call. Im trying to understand how someone with a credit rating of 750 because first he mentioned that my credit score was too low until he was corrected. Then he stated that I didnt make enough and that was the reason for the decline. I make ********** a year and this year alone Ive already made *********. So either the issue is that Im black or that you all have an issue with me being concerned about having to constantly send in the same identity documents. Whichever one is, trust me when I say a lawsuit is about to be filed. To reiterate; I have never been met with nastiness every time Ive called a bank until now. I will also be looking into filing a discrimination lawsuit because this is nasty work.

      Business Response

      Date: 04/08/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on March 7. We have thoroughly reviewed the situation and SCCUs Vice President of ******** Services and Consumer Sales addressed it directly with the member on March 18, 2024, by way of mailed 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:03/04/2024

      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 am not liable for this debt with Charter commnications ,i do not have a contract with space coast credit union i demand this account be remove from credit report

      Business Response

      Date: 04/08/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on March 5. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on March 25, 2024, by way of mailed 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:02/21/2024

      Type:Order 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 am not liable for this debt with SPACE COAST CREDIT UNION, I do not have a contract with SPACE COAST CREDIT UNION, they did not provide me with the original contract as I requested.

      Business Response

      Date: 03/11/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on February 21, 2024. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on February 27, 2024 by way of mailed 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:02/18/2024

      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.
      Space coast credit union just put a late payment on my credit report without my permisible purpose. there system was seen by both my lawyers and they both said it was hard or could not make an external payment from a different institution. i will be gathering information if we need to file litigation against space coast credit union. i just got appointed treasurer of an international company so if this negative remark is on my report it would put my position at risk. i will stop at nothing to maintain my reputation. the damages will cost space coast credit union the value or the car and more. when i spoke to there consumer representative ************ said she would handle the natter and lied. then when i called her she tells me there is nothing she **** she dont want to get in trouble for raising my concerns about this. my lawyers are both looking into this contract as well. please correct my credit report. i will be bringing in New business to space coast from my new business over seas and other corporations seen i like the service so far. now if this is not fixed i will bring lots of troubles to space coast. is in the best interest of both parties to come to a mutual understanding. i have multiple corporations i can bring my business to space coast and this matters can be solved.

      Business Response

      Date: 03/11/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on February 18, 2024. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on February 27, 2024 by way of mailed 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:02/08/2024

      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.
      Over two years ago, I received notification of random accounts being opened in my name. I suspected as fraud and contacted the companies involved. SCCU was one of those companies. I advised that I have never opened an account with SCCU and suspect fraud. They stated they will document and close the account promptly like other companies promised.On January 14th 2024, I received a mail from SCCU stating that my account inactive and will begin incurring a non refundable monthly fee starting this April. Confused, I reached out yet again to SCCU to determine reason for mail since I notified them previously that I never opened an account with them. They stated I would have to go into a Credit union building or provide my social security number ( which is most likely how the fraud happened in the first place). I do not trust SCCU handling of information since 1. They failed to identify this was fraud in the beginning, 2. Failed to close an account over 2 two years ago when other companies successfully did, 3. Requesting for private information i do not feel comfortable sharing since I have never opened an account with them. I have been unsuccessful with this branch and frankly stunned with the poor handle of information they have had so far. I will not trust them with any of my information and request that any opened accounts in my name be closed as soon as possible and as previously promised.

      Business Response

      Date: 04/07/2024

      Thank you for the notification that the consumer has posted correspondence regarding the complaint. We were previously informed the consumer does not want SCCU to contact them. We have completed the request in the complaint. At this time there is no new information that SCCU is at liberty to disclose, due to confidentiality.

    • Initial Complaint

      Date:02/08/2024

      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 am writing to express my profound concern about the disclosure of my nonpublic information to credit bureaus and the resulting inaccuracies on my credit report, leading to significant financial and emotional distress.As outlined in 15 USC 1681 Section 602, I assert my right to financial privacy, expecting the confidential treatment of my information.Moreover, 15 USC 1681 Section 604(a)(2) underscores that a consumer reporting agency cannot furnish account information without my written instructions, which have not been provided.I have identified discrepancies on my credit report originating from SPACE COAST CREDIT UNI, adversely impacting my financial well-being. I urgently request the rectification of these inaccuracies.Lastly, please be reminded of 15 USC 1666(b), preventing creditors from treating payments on a credit card account as late under specific circumstances.For your reference, my account details are as follows:Account Number: ************I request a thorough review of my account, prompt correction of credit report inaccuracies, and strict adherence to federal laws governing my information.Failure to address these concerns may lead to legal action. I anticipate your prompt response and resolution.Thank you for your immediate attention to this matter.Sincerely,*************************

      Business Response

      Date: 02/22/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on February 8, 2024. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on February 20, 2024 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:01/30/2024

      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 am aware of this tradeline unlawfully reporting on my consumer report. And would like to conduct a further investigation. Please submit all documents that you have submitted to consumer reporting agencies. That you used to create this tradeline on my credit report. I have reason to believe that you unlawfully obtained my personal identification information. Without my prior consent; which, you have used to create this tradeline on my credit report. let me explain, if you have used my Name and any other personal identifiable information such as: a social security card, driver license, or my address. Without a signed agreement between me and your agency. That expresses mutual assent from both parties. Then you are facing some serious penalties under the UNITED STATES CODE. Pursuant 18 USC 1028A Aggravated identity theft. (See ************* **********, 737 F.3d 129, 134) "Pursuant to 18 U.S.C. 1028A(a)(1), a person is guilty of aggravated identity theft if, in relation to any crime listed in 1028A(c), he "knowingly . . . uses, without lawful authority, a means of identification of another person." The statute defines the term "means of identification". To mean "any name or number that *** is used alone, or in conjunction with any other information. To identify a specific individual, including any name, social security number, [or] date of birth." Meaning if you used 2 separate forms of identification without my consent. Then you committed aggravated identity theft under 18 USC 1028A. If you delete this tradeline then i will drop my claim.

      Customer Answer

      Date: 02/14/2024

      I haven't heard or received any response or letter from Space Coast Credit Union. 

      Business Response

      Date: 02/22/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on January 30, 2024. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on February 20, 2024 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: 02/23/2024

       
      Complaint: 21218857


      I want all communications submitted through the BBB portal. So we have a communication trail that proves compliance with the ****** And to prevent me from suffering anymore from your deceptive tactics. 

    Space Coast Credit Union is NOT a BBB Accredited Business.

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