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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:01/25/2024

      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.
      On 01/22/2024 my minor (17 year old) daughter was influence by a scam call and she was told to withdraw cash for the amount of $12,862 dollars from a youth savings account. Never to be questioned by the teller at Space Coast Credit Union or even the parent (myself) to be notified of the excessive withdrawal of funds. No IRS form **** was even presented for the amount exceeding ****** dollars for the withdraw. When going to the bank in person to question them about their deficient actions, the manager informed us that she talked to the teller. That was not present at the time, and could not provide audio of the transaction only video could be provided. Also I was told that my minor daughter could withdraw any amount of funds with out parental permission since she was 17 and they told us that ******* state law says 16 years old is when they are considered to be an adult. Mean while all our other bank accounts with my daughter, require her to be 18 to have full access to her accounts.I am requesting they reimburse us the fulll amount due to their inaction and even questioning to preventing this scam. They advised us that since our minor daughter withdrew the funds they are not responsible. A police report has been filed in this scam action and money will not be reimbursed.I believe the bank tellers inaction was very unprofessional and if my daughter was confronted at the time of this it would have prevented all fraud actions.

      Business Response

      Date: 02/09/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on January 25, ****. We have thoroughly reviewed the situation and SCCUs Assistant Vice President of ****** Services addressed it directly with the member on February 2, **** 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:01/17/2024

      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.
      According to 18 USC 8, I owe no debt, and this corporation is breaching my consumer right to privacy under 15 USC ****B. In addition, under 15 USC **** 4, the corporation is not permitted to report anything utilizing my information. I do not own or have knowledge of this account.As per Section 611 (5)(A) of the ***** please remove this information from my credit report.Account name ********************** Account number ************* Account type Auto Loan Responsibility Individual Date opened 03/16/2017 Status Open. $389 past due as of Dec 2023.Status updated Dec 2023 Balance $8,741 Balance updated 12/31/2023 Recent payment $359 as of 12/1/2023 Monthly payment $359 Original balance $20,430 Contact info SPACE COAST CREDIT UNION Phone number ************** Address *******************************************************************************

      Business Response

      Date: 01/25/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on January 17, 2023. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on January 18, 2023 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:12/31/2023

      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 am deeply troubled by the unauthorized sharing of my nonpublic information with credit bureaus, resulting in inaccuracies on my credit report. This violates my privacy rights under 15 USC **** Section 602 and contradicts 15 USC **** Section 604 A Section 2 regarding the need for my written consent.The inaccurate reporting, especially in regard to payment history, breaches 15 USC **** B, causing significant financial and emotional distress. I request immediate rectification of these errors and a prompt resolution plan. Please address this matter urgently and rectify the inaccuracies associated with ************ Despite multiple attempts to resolve this issue with both the data furnisher and the credit bureau, proper protocol and procedure have been ignored in the requests for removal of inaccurate and fraudulent information. The burden of proof to deny my request has not been met, despite submitting multiple FTC reports, signed witness statements, and affidavits.I have provided sufficient information to prove my identity, and any request for more sensitive identifying information, considering my identity theft victim status, could contribute to further misuse. Continuation of denial infringes upon my federally protected rights under the ***** Fair Credit Billing Act, Truth in Lending Act, and Equal Credit Opportunity Act.Due to repeated denials without tangible proof or a sworn affidavit from the credit bureau, asserting legal proof that the items were not from identity theft, these items should be removed immediately, complying with the 5-day mandate of Federal Law.

      Business Response

      Date: 01/19/2024

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on December 29, 2023. We have thoroughly reviewed the situation and SCCUs Manager of Consumer Loan Servicing addressed it directly with the member on January 16, **** 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:12/20/2023

      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.
      July of 2022 SSCU convinced me to apply for the HomeLoan with them at 2.I'm still disappointed that ****'s loan department ethics. **** did not follow ****** *** guidelines and just lied. I qualified for the loan applied for, but it was not in SCCU best interest to ***** the loan because interest rates were going up at that time (they took forever to process my application). I checked all the guidelines and I complied. At the 11th hour after misleading me that everything was ok, **** said that it was not compliant because I had filed for extension on my tax return (the guidelines allow for this as long as the other years tax returned are provided). I checked with a lawyer and I was right. Because of SCCU, I had to pay to extend the *********** contract in order to avoid losing my deposit and I had close in a rush using a hard-money lender at a much higher interest rate (SCCU used up all the time available and this was my only quick option or lose my deposit). **** acted in bad faith because with the same parameters I was well qualified with lenders (everyone uses FannieMae/FreddyMac); but **** kept insisting to give them a shot and so I made the mistake of trying with them. In my life time I have closed on many, many loans with different lenders and never have I been exposed to such lack of professionalism. I've worked for fortune 500 companies and although nobody is perfect and mistakes were made, we always focused on making the customer whole and this was the success factor which creates customer loyalty. However SCCU and its customer care, management, and up those up the ladder does not seem to understand this... specially in a competitive environment such as banking. It leaves a lot to be desired.

      Business Response

      Date: 02/09/2024

      Space Coast Credit Union always ensures we take corrective action when needed to better serve our membership. SCCU has thoroughly reviewed the facts of the situation presented, and weve taken the appropriate actions necessary in response to this complaint. 
      We have previously communicated with the consumer through multiple channels and made an attempt to resolve the concern.  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.

    • Initial Complaint

      Date:11/16/2023

      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.
      Space Coast has shared or given my perosal information or added innacurate information from a third party, the public database to my personal private bank account/transactions. I further did not authorize them or sign any documentation giving any such permission. My address is private and is not to be shared with anyone public/private or otherwise without my written and express permission. I have been the victim of identity theft in the past any why i do not make my address, phone or SSN public knowledge. furthermore no census agency has any right to access my bank information and my bank does not have any authorized permission from me to furnish them my information! I bank with Space Coast not any census agency. This borders violation of 15 US Code 1681e and my Opt Out rights to my privacy.

      Business Response

      Date: 11/28/2023

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on November 16. We have thoroughly reviewed the situation and SCCU’s Manager of Consumer Loan Servicing addressed it directly with the member on November 21 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:10/30/2023

      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 applied for a home equity line of credit with this company for a new home I just purchased. I have had 2 previous lines of credit with perfect payment history with the same company on different properties. When I initially applied, they erroneously told me they could not do my loan due to me just purchasing the new home and in that conversation I told them all of the parameters- that it was a multi family and that I owned it in an LLC. When they told me that the denial was in error, they approved me. During underwriting, they came back after they approved me and told me that i was no longer approved because of the property. When I asked to speak to a manager, Alvaro R****, told me that I could to a quit claim deed to take the home out of the LLC and then transfer it back into the LLC after I close. This is fraud not to mention this would cost me thousands in additional fees to do so. When I mentioned that was fraud, I got an email the next day saying my loan was denied.

      I felt lied to and I felt that I was encouraged to commit fraud only to have my application denied. My home as plenty of equity, I have great credit, and my income was already approved. I want the line of credit I applied for and I want the parties that misled me along the way held accountable.

      Business Response

      Date: 11/16/2023

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern originally submitted to the BBB on October 30. We have thoroughly reviewed the situation and SCCU’s Vice President of Consumer Sales addressed it directly with the consumer on November 15 by way of telephone. In the interest of protecting the consumer’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:09/25/2023

      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.
      Space coast credit union garnished my wages due to an account having a negative balance in a completely different account. When I spoke with a rep they transferred me to credit solutions and the woman Kathy was extremely rude and continuously spoke over me. When I initially spoke with her a few days prior she told me specifically any money put in the savings account would be used towards the account with the negative balance to cover the fees. I will repeat anything put into the savings account not other checking account will be taken to cover the negative balance. They took the remaining 187 dollars I had left in my account to use towards fees. I would like those funds back. I have no money to eat or pay for the bills I do have due to them taking the remaining funds I have in my account. This is a terrible way to do business by not fully explaining to the consumer that they would take money from all of your accounts and not just the one I was told the funds would be taken from. This is very frustrating and disappointing considering I've been a customer for a long time and this is how they treat you. I will be getting a lawyer involved in this matter.

      Business Response

      Date: 10/23/2023

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on September 22, 2023. We have thoroughly reviewed the situation and SCCU’s Assistant Vice President of Credit Solutions addressed it directly with the consumer on October 16, 2023 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the consumer’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. 

    • Initial Complaint

      Date:09/22/2023

      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.
      I am not liable for this inquiry with SPACE COAST CREDIT UNION. This was a pre-approved offer and nothing stating that there would be a Hard inquiry to my credit.

      Business Response

      Date: 10/23/2023

      Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on October 6, 2023. We have thoroughly reviewed the situation and SCCU’s Vice President of Consumer Sales addressed it directly with the consumer on October 20, 2023, by way of telephone. In the interest of protecting the consumer’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. 

    • Initial Complaint

      Date:08/22/2023

      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.
      when to your branch **** * ***** **** *** ****** ** ***** requesting a new card on July 8th 2023 . as you can see on my account i have not touch this account in over a year. the person i spoke with stated the card should be to me within 5-10 business days. on the 12, i started receiving texts informing me that my account is being withdrawn. so, i called the wasn't satisfied so i went in the person i spoke with would not let me speak to a manager stating that he would make her do it so i can just inform her. so i did, as we were speaking another transaction was happen as she informed me, now mind you i still in the bank(Check your camaras) i then called back spoke to a manager who informed me that whomsoever received the card activated it with a 561 number and i ask her to call it and she stated they did and not answered. she could not give me the number due to liability. for the most part the money was returned to my account. as of today my alert when of stating that money was being taken out come to find out the took my money stated it was not fraud. im willing to go to court or do whatever it takes to get my money it's not much but its mine. someone in your company took my money and that not right.

    • Initial Complaint

      Date:07/10/2023

      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 am not liable for this dept with space coast cu. i do not have a contract with space coast cu, i requested the original contract they did not provide me the original contract has i requested

      Business Response

      Date: 08/11/2023

      SCCU
      takes member feedback seriously and we welcome the opportunity to respond to
      the complaint submitted to the BBB on July 8, 2023.  We
      have thoroughly reviewed the matter and SCCU’s Manager of Consumer Loan Servicing addressed it directly with the
      consumer on August 8, 2023, by way of mailed letter. The letter should be received within five business days. In the interest of
      protecting the consumer’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 your bringing this issue to our attention.

    Space Coast Credit Union is NOT a BBB Accredited Business.

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