Complaints

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

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  Miami Postal Service Credit Union

  2190 NW 72 Avenue Miami, FL 33122

• 

  Miami Postal Service Credit Union

  12677 S. Dixie Hwy. Pinecrest, FL 33156

• 

  Miami Postal Service Credit Union

  6171 NW 183rd St. Hialeah, FL 33015

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:01/15/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 complaint is against Miami Postal Service Credit Union (MPSCU) due to significant delays, poor communication, and negative financial impacts related to my credit card application. I applied on November 5, 2024. After following up on November 12, ********* informed me of delays due to staff vacations. On November 26, I was told my initial application was denied, but after speaking with ******, a supervisor, I was approved for another card with good terms. I agreed to proceed, expecting prompt service. On December 2, ********* assured me loan officers would contact me by the end of the day, which did not happen. I called again on December 3 and 5, when ****** informed me I needed to open a savings account to link the card. The account was activated on December 6. On December 12, I called again and received no new updates. On December 19, ****** informed me that my application was removed due to exceeding a 30-day window between the application date and account activation, resulting in a second credit inquiry that lowered my credit score. A new application was started, and despite my requests for expedited processing, I faced further delays. On December 31, I was told my card was approved but with a reduced limit of $8,000 instead of the initially offered $10,000. On January 6, 2025, ********* mentioned another issue causing further delays. I was expecting a call back, but when I didnt hear back, I followed up on January 7 and 9. On the 9th, I was informed the card was being sent out. On January 15, I received a letter stating my card had a limit of $5,000, significantly less than previously discussed. I called to clarify, and ****** falsely claimed I was initially approved for $8,000 and later for $5,000, contradicting our earlier conversations where I was approved for $10,000 and then $8,000. This dishonesty is unacceptable. I request that ***** sends email confirmations for loan approvals, specifying the proposed amounts. I also want my credit report changed.

  Business Response

  Date: 01/20/2025

  Please be advised the attached is the response that was sent on Jan. 16th via email to Ms. ******* Her limit was increased to the $8,000 and Equifax was contacted to adjust her credit score.

  Customer Answer

  Date: 01/21/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******** ******

• Initial Complaint

  Date:12/15/2024

  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.

  On Dec 7, 2024 I paid a $75 deposit to a hotel I was staying at out of town. Upon my departure on Dec 9, 2024 I expected my deposit to appear back into my account. I have reached out to this bank several times along with the hotel. The bank is stating the hotel has a 30 day hold on my deposit (which I never consented to nor was aware of) but yet the hotel is stating that the bank is holding my money (which I believe is true). Ive been various places and never has this problem occurred (I didnt use this bank card for my deposits). This bank has been nothing but dysfunctional incompetent and have inconvenienced me numerous times. However, Im at a breaking point. When my livelihood is on the line and youre threatening it, thats a problem. These ppl refusing to place my money back into my account has not only caused me to miss work and affected my personal life. I havent eaten anything in 2 days waiting on my money to be released. This is the most ridiculous situation Ive endured with a bank. Once my money is placed back into my account they can close it. In no way shape or form are you going to cause havoc in my life and think the business relationship would remain. Absolutely the h*** not. This is certainly their last straw. Aside from this platform I will be finding every other agency or government entity I can to expose how awful this credit union is. Every postal employee talk about how bad of a credit union these ppl are. I have yet to hear anything good in regards to this bank and Ill be sure to add more fuel to their fire until MPSCU is to ashes. That is 1 bank that needs to rot away and Im more than willing to help.

  Business Response

  Date: 12/18/2024

  Good afternoon,

   We understand our members concern regarding  a pre-authorized hold by ***************** from December 7th, 2024. We have explained to Ms. ***** several times that the hold period is determined by the vendor, not the Credit Union.

  In this case, ***************** has up until January 6th,2025 to release the hold. Vendors typically disclose this information to the customers at the time of  transaction approval.
  
  In the past, the courtesy of refunding fees has been extended Ms. ***** several times. Yet, she has displayed physical action against our property, use abusive language and has been extremely rude to the employees of the Credit Union, and this will not be tolerated.   
  
  We have decided to terminate our business relationship, and **** ***** has been notified. Please see the attached communication that was mailed to her. 

  Lastly, as of this writing, her funds were made available and deposited into her account. 

• Initial Complaint

  Date:10/15/2024

  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.

  Hi, I was supposed to get paid today. (October *******) however I did not. On the banks website it stated they were having issues with the banking online app. I have been unable to have access to my account. When I called the company I was told that they were having issues with the online app however they did not see any pending deposits from my employer. I stated this was not true because I received a pay stub stating that the funds would be released today( October *******). I reached out to my employer just in case there were any issues on their end and they reconfirmed that they indeed processed my direct deposit. I called MPSCU backs several times and no one picked up, the phone call was actually disconnected several times. I was finally able to speak to someone and they stated that Im not the only person this has happened today that other customers were supposed to get paid today but due to the system error they were not. I am very disappointed in the service because it seems like that was the issue in the beginning but they decided to give me the run around. I still do not have access to bank account and nor has my direct deposit has been released to them.

  Business Response

  Date: 10/18/2024

  A copy of this response is being mailed to Ms. **** directly.

   

   

• Initial Complaint

  Date:09/08/2024

  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.

  Im not liable for this debt with MPS credit union I do not have a contract with the collection agency they did not provide me the original contract as I requested

  Business Response

  Date: 09/10/2024

  Please see formal response; which is attached.

• Initial Complaint

  Date:05/20/2024

  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.

  Requesting documents from this company.

  Business Response

  Date: 05/21/2024

  Below is the response being mailed to ****************** along with the documents requested. 

  We hope this is sufficient.

   

• Initial Complaint

  Date:07/24/2023

  Type:Billing Issues
  Status:

  ResolvedMore 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 have exercised my right as a consumer to dispute an account on my ********************** profile. The account in question is from Miami Postal Credit Union. Unfortunately they have failed to respond to any of my correspondence. I am trying to get them to validate a debt but they refuse to correspond with me. my next step is a law suit.

  Business Response

  Date: 07/27/2023

  We have reviewed the account in question and all our information has been verified and what we are reporting is accurate.
  
  ***************** established membership by opening a savings account with ********************** on February 13, ****.  On June 18, 2007, he opened a checking account and on November 29, 2018, he was approved for an unsecured loan in the amount of $3,000. When approved for the loan, he acknowledged that he would make regular payments to eradicate this debt. As a result of nonpayment, the unsecured loan was charged off in 2019. When the account was charged off, a balance remained.
  
  As of today, ****************** owes MPS Credit Union $ 3,242.75.If he pays the balance owed, we will report the loan as paid.
  

  Customer Answer

  Date: 07/28/2023

   
  Complaint: 20370794
  
  I am rejecting this response because:
  

  The business has responded to everyone but me the consumer. They have shown me no proof of this allege debt. I have  asked for validation of this debt several times and they have ignored my correspondence. I will litigate to resolve this and file a complaint with the attorney generals office. They have willfully violated the **** and the FDCPA.

  Thanks for your assistance,

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

  Business Response

  Date: 08/09/2023

  We have responded directly to ******************, via certified mail with a letter dated Aug. 8, 2023, which includes the following documents (****, application, loan note, account statements showing the loan obligation) supporting his application and acceptance of the loan.  The same letter has been attached here. If there are any questions, please contact AVP of Collections ************************* at ************.

  Business Response

  Date: 08/09/2023

  We have responded directly to ******************, via certified mail with a letter dated Aug. 8, 2023, which includes the following documents (****, application, loan note, account statements showing the loan obligation) supporting his application and acceptance of the loan.  The same letter has been attached here. If there are any questions, please contact AVP of Collections ************************* at ************.

  Customer Answer

  Date: 08/10/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:04/18/2023

  Type:Sales and Advertising 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 visited this branch today in regards to a fraudulent charge in my acct. I explained to one of the managers by the name of ****** that I had an issue with a Lyft driver fraudulently accusing me of something which resulted in my acct being charge a fee I wasnt aware of until today. I asked them to waive the insufficient funds fees I was charged because it is not fair for my acct to be charged due to someone else trying to scam me. This woman was not professional nor cared about the situation I was telling her and her colleague. She informed her colleague that she is not refunded my money even though I did not cause/was aware of additional charges on my acct. I have contacted the **** which printed me to contact ****************************** which I will be doing in the morning. This is highly unprofessional for these people to try and keep my money because this driver wanted to scheme (also being taking care of now). I showed her colleague the many times *** even contacted this company about this driver false accusations which MPSCU still refused to refund my money.

  Business Response

  Date: 04/25/2023

  On Tuesday, April 18, 2023, ************* initially called MPS Credit Union asking to speak to a supervisor. When she was unable to connect, because the supervisor was assisting another member,she became irate with the *********** Representative. She called back in and eventually spoke to the *** ******, who advised her of the process for filing a dispute pertaining to her issue with the $80 damage fee/withdrawal/charge from Lyft that occurred on April 15, 2023. It should be noted that while ************** refers to this as fraud throughout her comment, she has admitted that she was a passenger in the Lyft, so this is not fraud, but a dispute that she has with ****. She was advised of the process for disputing the charge, which involves her calling a number to file the claim, which will then be investigated. She did follow the process to file the dispute claim and it has been processed and pending resolution.
  
  Later that day, ************** came into the branch and sat with a Member Service Representative (***) demanding that we reverse two $35 non-sufficient funds (NSF) fees that she was assessed by the credit union on April 18, 2023. These fees are charged to members when withdrawals exceeding the amount of funds in the account. The fee is disclosed to the member,via a Schedule of Fees, when they open the account and its also posted on our website. A review of **************** account revealed that she was assessed two NSF fees because she initiated two payments to *** which did not clear her account because of lack of funds in the account. ************** became loud and vulgar with the *** (and other employees) when attempting to explain that this wouldnt have happened if the Lyft charge had not occurred. Our ***s are authorized to reverse one fee, which the *** explained to her; however, ************** heatedly told the *** that she didnt want just one fee reversed that she wanted both reversed. The *** consulted with the credit unions ** of Compliance about the case. **************** account was reviewed and it was discovered that a one-time courtesy exception had been made by the ** of Operations on March 31, 2023 to reverse an NSF of $35 for ************* for a previous incident she had. Fees are assessed on an account when there are not enough funds to cover a transaction/charge. A one time exception was made for ************** less than 30 days prior to this incident, so the reversal requested was not approved.
  
  On Wednesday, April 19, 2023, a message was received from the Better Business Bureau with this complaint.
  
  On Thursday, April 20, 2023, the ** of Operations and ** of Compliance called ************** to explain that the rudeness displayed to our employees would not be tolerated. They were merely attempting to explain the need to follow proper procedures to file the claim,which would be investigated. And if **** found that the charge was incorrectly charged, they would reverse their fee and then MPS Credit Union would follow suit and reverse the 2 fees requested. However, ************** again was loud, rude and vulgar on the phone. Not accepting the process as was described to her.Ultimately, we did reverse the two fees shed previously requested and an additional two fees, for a total credit of $140, with the understanding that the account would be restricted to stop further fees being assessed, since the *** may again attempt to collect, and for her to continue to pay her loan.
  

• Initial Complaint

  Date:09/21/2022

  Type:Customer Service 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.

  * Please see attached documents.I financed a car with them, I moved to ********* and changed my phone number, they take the money from my card monthly but I didn't notice that they reimbursed it, they say they tried to contact me but they couldn't and they didn't send me a letter or anything and for only one month they took my car and now they won't even let me pay the month that is due on the car. What I understand is 90 days to repossess the car, I think it is not right that they do not want to let me pay the month due on the car. Translated by BBB 9/20/2022

  Business Response

  Date: 09/23/2022

  This is a Car Factory loan and he was a first payment default. His loan was funded July 15, 2022 . The terms of the loan are outlined in truth in lending disclosure that he received when the loan was closed. He was to make monthly payments, the first which was due Aug 17, 2022 and he didn't. The first payment arrived Aug. 24, 2022 and was reversed due to non-sufficient funds. A  2nd payment came in on Aug. 29, 2022 and was also reversed for non-sufficient funds.   

  We tried contacting him. His phone number was disconnected. We made contact with his two references one of the references is his dad and the other reference is a friend. Both of them were going to give him our message in several occasions. We also sent him emails at the email that was provided at the time of the loan was closed, he'd confirmed that was his correct email.

  We started our collection efforts with phone calls when he was one day delinquent. On the 28th day,  I sent the car out for repo since we didnt have no response/contact with our member at all. In addition, the insurance was canceled on 7/16/2022 the date after we closed the loan.

  After the vehicle was repo'd, his mother contacted the credit union, she even came via  an uber driver to talk to us. The vehicle was insured with her name, she was probably the one driving the car but she is not on the loan.
  
  
  To respond to the resolution that he wants - no we cant give him the car back.  There is no law that states that we have 90 days before we could pick up a vehicle.   

  He has until the 29th of this month to pay off the loan, plus the repo fees.

   

  If you have any questions, you may contact our AVP of Collections ************************* at *******************