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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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    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:06/06/2023

      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.
      My mother contacted Space Coast Credit Union to request an extension on her car payments due to financial hardship. On March 29th, 2023, she received an email from Space Coast Credit Union that her request had been approved, and the new due date of the loan is June 28th, 2023. Come yesterday, I get an email notification from Experian that a payment was reported late, and being that I am the primary owner of the vehicle MY credit score has now been compromised. This “late payment” was falsely reported despite SCCU having APPROVED an extension for 3 months. This is completely unacceptable. I expect this reporting to be redacted immediately.

      Business Response

      Date: 06/23/2023

      SCCU takes member feedback seriously and we welcome the
      opportunity to respond to the complaint submitted to the BBB on 5/11/2023.  We have thoroughly reviewed the matter and SCCU’s Consumer Loan Servicing Manager addressed
      it directly with the consumer on 6/23/2023 by way of a mailed 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.
      We appreciate your bringing this issue to our attention

    • Initial Complaint

      Date:03/01/2023

      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.
      On February 20th 2023, I cashed a check that was received from my job I was let go of a severance paycheck. On February 21st 2023, my account was completely locked. Spoke to representatives on Febraury 21st to speak to someone about this situation. Spoke to people multiple times throughout the week due to the account being locked since the check supposedly cannot be verified by whoever is working the system. My sisters husband's check was cashed without any issues. This situation has caused me to become late on bills since I'm unable to access my account or debit card to be able to pay for things I've need. Spoke to someone today, February 28th 2023, and still do not have my account unlocked and keep getting the run around about not being able to verify the check and my account continuing to be locked.

      Business Response

      Date: 03/29/2023

      SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on March 1, 2023.  We have thoroughly reviewed the matter and SCCU’s AVP, Retail Services - South Brevard & Indian River addressed it directly with the consumer on March 29, 23 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.


      We appreciate your bringing this issue to our attention.

    • Initial Complaint

      Date:01/18/2023

      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.
      Ive had a savings account for over 10 years. To my understanding a savings account is designed to help you save money over long term and make a small % gain for lending the bank your money. I logged in a month ago and found instead of my balance rising, its on a steady decline. Rather than providing a savings account, this institution has been charging monthly fees, slowly draining my savings. Their reasoning? Lack of use. By not using my savings account my balance is on its way to zero. The exact opposite of what a savings account is supposed to be. This is robbery. This must be unlawful. How can the financial world encourage us to save and then just take it all away for doing just that. Pathetic I have to fight to recover. Already called and they just give excuses. What happens when my balance goes to zero from their fees? Will they send me to collection for having a negative balance from all the money they stole from me?

      Business Response

      Date: 01/31/2023

      **** takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on January 18, 2023. We have thoroughly reviewed the matter and SCCUs Manager, Operations addressed it directly with the consumer on January 26 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the consumers 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.

      Customer Answer

      Date: 02/03/2023

       
      Complaint: 18830462

      I am rejecting this response because:
      This is just going to be another ploy of a money hungry financial institution stealing from hard working people and exclaiming why they are allowed to do this because of hidden wording and lies that are typical of these thefts right in front of hard working people and with their leverage against us how we will never be reimbursed for their vicious attack on the consumer. Pathetic!
      Sincerely,

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

    • 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 am not liable for this debt with Space Coast Credit Union and i DO NOT have a contract with Space Coast Credit Union. They did not provide original application like i asked. I DEMAND THIS BE REMOVED from my credit profile.

      Business Response

      Date: 01/31/2023

      We were unable to contact the member, but thoroughly reviewed the documentation and history and determined this is their debt.

      Customer Answer

      Date: 02/01/2023



      Complaint: ********



      I am rejecting this response because:



      Sincerely,



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

    • Initial Complaint

      Date:12/02/2022

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Upon reviewing my credit file I noticed an alert for this credit union that I did not apply for. I have filed this incident with the FTC. I was suggested to notify the creditor and I want confirmation in writing that any account that may be opened as a result of this hard inquiry be Closed immediately. I have already disputed it and the inquiry was removed. I want to make sure the creditor is notified of the same. I am attaching my FTC Identity theft report directly to this complaint and my contact information will be listed in the complaint. Again, this activity is unauthorized and fraudulent and the result of Identity Theft and any accounts that are opened as a result of this hard inquiry need to be closed due to Fraud. I am unable to see any accounts reporting yet. I can be reached at ************************** directly and most efficiently or ************ Thank you.

      Business Response

      Date: 01/11/2023

      Business Response /* (1000, 12, 2022/12/19) */
      SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on December 2, 2022. We have thoroughly reviewed the matter and SCCU's AVP, Operations addressed it directly with the consumer on December 16, 2022 by way of Email. 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.


      Consumer Response /* (2000, 14, 2022/12/19) */
      Please Close and Withdraw this complaint. This has been resolved.

    • Initial Complaint

      Date:11/15/2022

      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.
      On November 3, 2022 I reported fraudulent activity on my account. I informed the teller at the local branch the activity was fraud. She advised me to call the merchants to ensure it was fraud. Agitated by the first call I told her I would not call anyone else that is the responsibility of the bank. I need the report filed. On 11/4/2022 I was given provisional reimbursement for one claim for 912 but not for the second one of 3700. I was told to wait 3 to 5 days. After waiting more than 5 days I called and inquired about my claim again. I was told it could take up to 14 days. I was very disappointed with the holidays coming I would be without the money I set aside for the holidays. I asked to file a complaint and the customer service representative didn't know how to direct my call. I asked to speak to a supervisor and was told no one is available and they would have to return my call. I am very disappointed with the service I received from the credit union.

      Business Response

      Date: 01/04/2023

      Business Response /* (1000, 5, 2022/11/23) */
      SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on November 17, 2022. We have thoroughly reviewed the matter and SCCU's VP, Retail Services addressed it directly with the consumer on November 23, 2022 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 your bringing this issue to our attention.

    • Initial Complaint

      Date:10/27/2022

      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.
      On August 15, 2022 I deposited a check through my mobile app in the amount of $4000.00 On October 20, 2022 I checked my app because transactions were being declined and I had a withdrawal of $4000.00 stated "duplicate check". Space Coast Credit Union will not allow me to place a fraudulent claim and is stating that ************** withdraw $4000.00 from my Space Coast Credit account because someone physically deposited the check. I went to the branch, I contacted many different representatives and everyone is telling the same thing. I don't understand why they will not allow me to file a fraudulent claim. They allow another bank to collet funds with a check that has my name and signature on the back. Someone else deposited it. Is that not fraud? Can they contacted ******** **** bank and correct the issue?Please help me. I'm out $4000.00 because they (Space Coast Credit Union) transferred money from my savings to my checking to put my account positive

      Business Response

      Date: 11/23/2022

      **** takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on October 27, 2022. We have thoroughly reviewed the matter and SCCU's ******** ******* Services addressed it directly with the consumer on November 18, 2022 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.

      We appreciate your bringing this issue to our attention.

      Customer Answer

      Date: 12/08/2022

      (The consumer indicated he/she DID NOT accept the response from the business.)
      Space Coast Credit Union has not addressed anything with me. I am still waiting for the notice that they stated was sent on November 18, 2022. As of December 8, 2022 I have not received any information in regards to the check that I deposited mobile. I will still like to file a fraudulent claim for this matter so that I can get the money that is owe to me.

      Business Response

      Date: 12/09/2022

      SCCU always wants to make sure that we take corrective action when needed to serve our membership better. Please let this response confirm that **** has thoroughly reviewed the facts of the matter presented, and we've taken the appropriate actions deemed necessary in response to this complaint.

      As previously mentioned, we did communicate with the consumer on November 18, 2022 via letter (attached) and we've made an ******* attempt to resolve the complaint. At this time 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.

      See Attachment/File: 1296_20221121-Response.pdf

    • Initial Complaint

      Date:10/23/2022

      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.
      Everytime I call for help a robot is speaking to me asking me to "say my PIN number".. well the bot never seems to hear what I'm saying and y'all have made it ridiculously difficult to speak to a real person. I'm unemployed right now because I'm in the middle of switching jobs so I don't have any cash and need to use my card. It's a Sunday and y'all have paused my debit card because of an apparent fraudulent charge. I appreciate the concern but how am I suppose to pay for the things I need today when I have nobody to speak to because most of your businesses are closed? I was able to speak to one person and she wasn't able to do anything for me. She said someone who would be able to help me would "call me back"... it's been almost three hours and nobody's called!! I am so irritated and overwhelmed right now. I hate complaining and I hate to call this that. All I'm asking is for some help I don't know what else to do!! And make the help process easier please 😫

      Business Response

      Date: 01/04/2023

      Business Response /* (1000, 10, 2022/11/23) */
      SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on October 24, 2022. We have thoroughly reviewed the matter and SCCU's Manager, Loss Prevention/Compliance addressed it directly with the consumer on November 18, 2022 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 your bringing this issue to our attention.

    • Initial Complaint

      Date:10/06/2022

      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 am very disturbed and upset with SPACECOASTCU has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right

      Business Response

      Date: 11/07/2022

      Business Response /* (1000, 8, 2022/10/27) */
      SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on October 10, 2022. We have thoroughly reviewed the matter and SCCU's Manager, Consumer Loan Operations addressed it directly with the consumer on October 18th by 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 your bringing this issue to our attention.

    • Initial Complaint

      Date:08/11/2022

      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 filed a dispute thru my bank for merchandise that I never received and my bank advised me that I can get my money back, but the agents are not doing their due diligence to investigate the issue, and they are denying the claim without doing an investigation. No one has called me in regards to anything. No one has provided me any documentation that the company provided to prove that the charge was valid. I have made several calls, and all I am being told is that the manager doesnt take calls. All I want is my 1399.00 back for merchandise that I did not get. I never authorized being scammed.

      Business Response

      Date: 09/13/2022

      Business Response /* (1000, 5, 2022/08/24) */
      SCCU takes member feedback seriously and we welcome the opportunity to respond to the complaint submitted to the BBB on August 11, 2022. We have thoroughly reviewed the matter and SCCU's Card Operations Manager addressed it directly with the consumer on August 15, 2022, by 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 your bringing this issue to our attention.

    Space Coast Credit Union is NOT a BBB Accredited Business.

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