Complaints

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

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  Delta Community Credit Union

  3250 Riverwood Pkwy SE Atlanta, GA 30339-6419

  
• 

  Delta Community Credit Union

  3250 Riverwood Pkwy Se # 100 Atlanta, GA 30339-6420

  

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:07/07/2023

  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.

  The response time afforded to me The misuse of my account to make me in debt From my perspective of the situation I noticed that there was an accounting error on the branch end. When I noticed the problem I was only afforded 30 days to review the account information and response is my issue. I believe that the branch did not afford me the same amount of time to review the situation as theyve spent reviewing it. I believe that the branch should have gave me more time to understand stand the situation instead of just closing my account. It makes me feel like they where covering their own mistakes.

  

  Business Response

  Date: 07/11/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ****************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving this complaint, *****************, Senior Vice President of Branch Delivery & Operations, researched the issues ****************** noted and subsequently called to personally address his concerns and make him aware that she would further investigate this matter. *** also advised ****************** that we would be more than happy to share additional details and documents of our investigation, per his request. Please know that we have conducted a thorough investigation regarding the check in question and will continue to work with ****************** as appropriate. 
  
  If ***************** has additional questions or concerns, he can reach *** directly at ************.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:07/06/2023

  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.

  EXCESSIVE OVERDRAFT FEES I changed to Delta Community a few years ago hoping to have more leverage financially starting my small business. With my small business my my accounts fluctuates greatly from day to day.Delta Community has a policy where they can charge up to 5 overdraft fees a day! That is a total of $175 that they are allowed to take from a person in ONE DAY!I had to pay for supplies and after the payment went through, I had 4 others that went through (overnight). One was actually less than $1, one was $6.99, one was $3.99 and I was charged a $35 fee per transaction!!!This is highway robbery!I estimate Delta Community has received well over $1,000 from me in overdraft fees!

  

  Business Response

  Date: 07/07/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ******************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving this complaint, *****************, Senior Vice President of Branch Delivery & Operations, researched the issues ******************** noted and subsequently called to personally address her concerns and clarify why she was assessed the Courtesy Pay fees in question. As a goodwill gesture and even though the fees were assessed in accordance with the Courtesy Pay Disclosures and Agreement, we have refunded some of the recent fees to her account. Ms. ********* account remains subject to NSF fees as she elected to have us disenroll her from Courtesy Pay.
  
  We value Ms.********* ******** and appreciate her being a loyal member of Delta Community.Unless ******************** expresses the need for additional information or follow up,we consider this case closed.
  
  Sincerely,
  Delta Community Dear Better Business Bureau,
  
  

  Customer Answer

  Date: 07/07/2023

   
  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:07/02/2023

  Type:Customer Service 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 called in Sunday 7/2 for a single request on why my business account has received a $5 service charge. that call was over 45 min and I never got an answer. The first gentleman that took my call took about 10 min to authenticate me (even though I was fully authenticated through the automated system) and asked unnecessary questions. I ultimately escalated to a supervisor that was also not helpful. The first representative put me on hold for over 5 min while trying to connect me with a supervisor and that was after I asked him to check in every 2-3 min while I was on hold. Did not follow customer request. The reason I am making the complaint is the supervisor put me on a "brief" hold to access my business account and I sat on hold for almost 15 min. She never came back on the line then she disconnected/hung up the line. I still don't have an answer to my $5 question and was rudely hung up on my a supervisor. This is unactable. I am making a formal complain about both man and women that took my call. I look forward to how you will apologize on their behalf and make sure they are not able to do this again to other long to customers.

  

  Business Response

  Date: 07/03/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ************ to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving this complaint, *****************, SVP of Branch Delivery and Operations, reached out to ************ personally to apologize for any frustration we may have caused with regard to the customer service she experienced with our third-party call center. *** explained why the account was assessed the fee in question and refunded the fee as a courtesy.
  
  We value Mr. ***** business and appreciate her being a loyal member of Delta Community. Unless ************ expresses the need for additional information or follow up, we consider this case closed.
  
  Sincerely,
  Delta Community
  
  

  Customer Answer

  Date: 07/04/2023

   
  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.
  

  Thank you *** for the quick response and addressing the issue and answering my question. Have a great day! 

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

• Initial Complaint

  Date:06/20/2023

  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 June 17, 2023 at 9:48a.m. on Saturday morning I went to the *** at Delta Community bank on ******************** in ****************** to make a deposit of ****** into my checking account. When making the deposit my money got stuck in the *** machine and a message appeared on the screen as cancelled. It did not give me a receipt, nor did it give me my money back. I went inside and spoke to a guy at the front desk and informed him what happened. He stated he was a manager, and no one was there to assist me in this matter. He gave me a form (dispute form) to fill out and said that he would submit it right now and that my funds will be deposited in my bank TODAY!(same day). I informed him that I need those funds as soon as possible for my livelihood and the funds had to be in my acct to use my bank card. I waited for hours and hours and still no deposit. i called the customer service line and spoke with a ******** and she called the Delta Comm Credit union on *****************. and was told something totally different by the manager who spoke with me. I didnt appreciate him lying to me just to get me to leave. i have been with this credit union since **************************************************** and my family hardship even worse than what it was. i am requesting my funds ASAP and this shouldnt have come to where i had to report them to the BBB...but someone needed to hear my emergency request!

  

  Business Response

  Date: 06/21/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ****************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving this complaint, *****************, SVP of Branch Delivery and Operations, reached out to ****************** personally to apologize for any frustration we may have caused with regard to the issue she experienced with our ATM at the ****************** branch. *** issued ****************** credit for the amount in question and explained that there was an error with the cash handler component on the machine, which resulted in her not receiving proper credit for the transaction.
  
  We believe ****************** was satisfied with Pams explanation and commitment to apply lessons learned from this situation in our employee training programs. Unless ****************** expresses the need for additional information or follow up, we consider this case closed.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:05/12/2023

  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.

  We have been twenty year plus customers of Delta Community Credit Union and typically have over $100,000 on deposit. We had a small auto loan, $7,100. We changed insurers when a friend opened his agency. We listed Delta Community Credit Union as the lienholder and sent copies of the insurance card to DCCU, as required. DCCU then repeatedly threatened ** with a charge of $1,272.00 for additional collateral protection insurance, plus interest and fees. Delta confirmed they had received the insurance card we sent via their secure communications. Mind you, we cover the entirety of the car and a $3 million personal liability insurance policy for less than DCCU tried to charge to cover their interest of $7,100. In addition, DCCU confirms the language of the loan agreement provides for DCCU to take any amounts due from my other accounts. In sum, Delta Community Credit Union was deceptive and attempted fraud by charging exorbitant rates for coverage that was not required or needed for any exposure. Delta Community Credit Union has become an unresponsive behemoth, unaccountable, dishonest, and cruel to the Delta employees that DCCU ostensibly serves. Filing complaints with the **** in addition to trying to let consumers know what this thing has turned into.

  

  Business Response

  Date: 05/15/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ****************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Upon receiving this complaint, *****************, our Chief Lending Officer, reached out to ****************** personally to apologize for any frustration we may have caused with regard to collateral protection insurance (CPI). *** acknowledged that we could have handled this situation better given Mr. ******** longtime patronage and excellent account history. The discussion also allowed ** to explain the underlying rationale for CPI and how the program is designed to protect the collective financial interests of the Credit Unions membership as a whole.
  
  We believe ****************** was satisfied with Bobs explanation and commitment to apply lessons learned from this situation in our employee training programs. Unless ****************** expresses the need for additional information or follow up, we consider this case closed.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:05/09/2023

  Type:Customer Service 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 mother (****************************************** 9/23/55) has been a customer of ********************************************* for many years. She called to add me to her accounts multiple times and finally was emailed the appropriate paperwork for her to mail in order to add me to the account. We followed all instructions provided. Delta Community never added me to the account as requested, nor did they contact ** with a reason why. My mother passed away approximately two weeks after we mailed in the signed documents. They have lost the dated paperwork and are now saying there is nothing they can do. This is illegal not to adhere to the account holders wishes. The submitted paperwork needs to be found and examined, then my name added to the account. I have tried calling multiple times and I get disconnected or transferred. The customer service is terrible and very difficult to deal with during this emotional time. I have asked to speak to supervisors and never get transferred. The representatives refuse to assist.

  

  Business Response

  Date: 05/10/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by **************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  *****************, Senior Vice President of Branch Delivery and Operations, reached out to **************** to express her condolences for the loss of her mother and addressed the concerns raised in the complaint. We were able to resolve all of the issues, and it is our understanding that she is satisfied with our support and willingness to help.
  
  If *************** has further questions or would like to discuss this matter further, she is welcome to contact *** directly at ************. Unless noted to the contrary,we consider this matter fully resolved.
  
  Sincerely,
  Delta Community 

  Customer Answer

  Date: 05/10/2023

   
  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. Thank you *** for your amazing and courteous handling of the matter. I greatly appreciate your prompt response. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:04/24/2023

  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.

  I, ***************************, entered a consumer credit transaction with Delta Community Credit Union on August 9th, 2021. This credit transaction involved a down payment of ***** dollars ,but should be no cash involved in ANY consumer credit transaction. There was also a finance charge involved in my transaction, that finance charge does not include cash. 15 usc **** Which states that a finance charge is the sum of all charges. Finance charge is also supposed to include car insurance but Delta Community Credit Union made me get insurance separately. Delta Community Credit Union did not inform me on my right to rescind my signature 15 usc ****. Delta Community willingly and knowinglly withheld this information to me which makes them criminally and civilly liable. 15 usc ****.

  

  Business Response

  Date: 04/25/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by *************************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  Please know that the Credit Unions **************** is aware of Mr. ******** concerns and is in receipt of three letters that he has previously sent to the Credit Union regarding these same claims. The Credit Union has responded to all three of Mr. ******** prior letters and consider this matter closed. We advised him that we have researched his claims under the Truth in Lending Act (TILA) as well as other various provisions of Regulation Z and did not find any evidence of any violations or anything else that would require further action or investigation on our part.   
  
  If ***************** has further questions or would like to discuss this matter further, he is welcome to contact the Credit Unions Corporate **************** directly at ************.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:04/01/2023

  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.

  This bank continues to charge overdraft fees, even when the transaction goes through the same day. They refuse to let me unenroll from the overdraft fee program as well.

  

  Business Response

  Date: 04/05/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ********************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  *************************,Vice President of Branch Delivery, researched the issues noted in the complaint and subsequently attempted to speak with ********************** to personally address her concerns and clarify why she was assessed the $35 NSF fee in question. As a courtesy to ********************** and even though the fee was assessed in accordance with the Membership Agreement, we have refunded the fee to her account. However, please know that Ms. ********** account remains subject to NSF fees.
  
  We value Ms.********** ******** and look forward to speaking with her at her earliest convenience to further clarify this matter and inform her of a new checking account type with a no overdraft/NSF feature that we will soon introduce. ********************** can reach **** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:03/30/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  DELTA COMMUNITY CREDIT UNION ENGAGED IN UNFAIR BUSINESS PRACTICE ACT WITH REFUSED TO ********** "ZELLE" ACCOUNT DUE TO UNFOUNDED ALLIGATION BY PERSON UNKNOWN WHOM TRIED TO SCAM ACCOUNT STATING THAT FUNDS ($100) SENT TO ME OVER 8 MONTHS AGO BY ***** FARGO CUSTOMER FROM ANOTHER PERSON WHOM REQUESTED HOME INSPECTOR . ATERWARDS THEY STATED THAT SERVICES WERE NEVER PROVIDER INWHICH IS UNTRUE..I WENT TO ***** FARGO (3/30/23) IN PERSON AND ***** FARGO REP STATED THAT THEY HAVE NO RECORD OR REASON TO SUSPEND ZELLE..INWHICH I DO NOT BANK WITH WELL FARGO..."DELTA CU" CONTINUE TO GIVE ME THE RUN AROUND NOT TO ********** ZELLE ...THERE WAS NEVER ANY FRAUD COMMITTED ...UNKNOWN PERSON TRYED TO SCAM MY ACCOUNT AND OUR BUSINESS AFTER WORK WAS COMPLETED...

  

  Business Response

  Date: 03/31/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ****************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  *****************,Senior Vice President of Branch Delivery and Operations researched the issues noted in the complaint and subsequently attempted to speak with ***************** to personally address his concerns and clarify the issue he is experiencing with transacting through Zelle. As a courtesy to ******************, we have unrestricted his Zelle account and requested from our Zelle administrator that the account remain in an active status.
  
  We value Mr. ******** business and look forward to speaking with him at his convenience to further clarify this matter. ****************** can reach ***************** directly at ************.
  
  Sincerely,
  Delta Community 

• Initial Complaint

  Date:02/16/2023

  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.

  As of 2/10/23 I have been unable to access my card controls on both my wife's and my debit cards on either the Delta Community Credit Union app, or their webpage. This caused me to be late paying a bill as I could not unlock my debit card for ecommerce when the website for the bill had an issue using the routing number. I have talked to Delta Community on several occasions and all I get is a run around. I have also put through a ticket with Delta Community that they claim is resolved and closed, yet I am still unable to access my card controls due to the error with the app and website they have not fixed. It has been a full week and I still don't have full access to my card controls. These controls are necessary as they protect my cards from getting hacked, but they have to work to be useful.

  

  Business Response

  Date: 02/24/2023

  Dear Better Business Bureau,
  
  Delta Community Credit Union appreciates the opportunity to respond to the complaint submitted by ******************** to the Better Business Bureau. We are always committed to providing responsive, conscientious service and do our best to resolve complaints in a way that both considers the individuals needs and the interests of our broader membership.
  
  *****************,Senior Vice President of Branch Delivery and Operations researched the issues noted in the complaint and subsequently spoke with ******************** to personally address his concerns and clarify why he has not been able to access card controls within online banking. *** apologized to ******************** for the inconvenience and explained that we are working to resolve the issue. *** shared with ******************** how we can assist him with adjusting card controls until the issue is fully resolved.
  
  We value Mr. ********* business and sincerely apologize for any inconvenience this matter has caused him. If ******************** has further questions, he can reach ***************** directly at ************.
  
  Sincerely,
  Delta Community