Complaints

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

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MidWest America Federal Credit Union has 15 locations, listed below.

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  MidWest America Federal Credit Union

  1104 Medical Park Drive Fort Wayne, IN 46825-5826

  
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  MidWest America Federal Credit Union

  900 S 13th St Decatur, IN 46733-1806

  
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  MidWest America Federal Credit Union

  6001 Bluffton Rd Fort Wayne, IN 46809-2256

  
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  MidWest America Federal Credit Union

  987 Werling Rd New Haven, IN 46774-2433

  
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  MidWest America Federal Credit Union

  1816 W Dupont Rd Fort Wayne, IN 46818-9534

  

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:04/22/2025

  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.

  At the beginning of the loan I received an interest rate that was much higher than my credit rating was I had health issues and did respond at first trusting they hadn't over charged me appon talking to them on the phone they said for three thousand dollars they could refinance the loan I said if I did that it would defeat the purpose of refinancing and said they shouldn't have given me a higher interest rate from the start . There was no reason to start the loan at a higher rate. I have received numerous offers from this business after the first ***** offered nine hundred and seventy two dollars with money down on the loan to now six hundred and seventy two dollars a year savings they made the mistake not me.

  

  Business Response

  Date: 04/23/2025

  Thank you for your feedback. We understand your concerns and appreciate the opportunity to clarify. While your loan was originated through the dealership, you were given the standard interest rate available at that time based on the term and age of the vehicle, which is common practice across the industry. The letters youre receiving with offers to refinance are from third-party businesses not affiliated with our credit union. These offers often highlight lower monthly payments, but its important to carefully review the termsmany times, those lower payments result from an extended loan term,which can increase the total amount paid over the life of the loan. Please dont hesitate to reach out if youd like to discuss your account in more detail. Thank you again for your feedback.

• Initial Complaint

  Date:09/15/2023

  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 applied for a second mortgage from MIdwest America Federal Credit Union and signed the loan documents on July 10, 2023. My daughter is listed on the deed and also had to sign the mortgage application paperwork. She lives in ******** and at the direction of the Loan Officer was told to sign and date the paperwork as having been signed on July 14th. I did not received the funds until August 7, 2023. However, after the first payment was made I noticed that the total amount was applied to finance charge/interest and none to principal. I was told this was because the loan was "closed" on July 10 and I owed interest from that date. I don't see how I can be charged interest on money I did not receive. No one explained this to me and I certainly would not have agreed to such a stipulation. I've contact several employees of the bank including the loan officer to no avail. In my opinion the credit union should have had my daughter use the date she was actually signing the forms and have me re-sign with that later date. I find it hard to believe that charging interest before monies are distributed is a standard practice. Please note the date on the attachment August 1, 2023 when she was asked to sign the documents.

  Customer Answer

  Date: 09/19/2023

  The issue with Midwest America Federal Credit Union has been resolved by them.  I do not have the complaint number as I must have deleted that email.

   

  Thank you for being there to help others.

   

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

• Initial Complaint

  Date:09/02/2022

  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.

  We purchased a 2013 Dodge and financed it through Midwest. We did provide them will all of our insurance information in a very timely fashion. They placed force insurance on our truck, even though we have spoken to them numerous times. They refused to take this insurance off. They are charging us $1945.00 dollars still. We would like for the entire $1945 or what we have paid up to date place back on the principle balance. I am 78 years old and truly feel that they are prying on me and my wife.

  

  Business Response

  Date: 09/06/2022

  Auto loan documents are signed by members that ask them to maintain full coverage insurance on their auto loans from the date the loan begins until the loan is paid off. The loan is not funded unless members sign this document and agree to carry this coverage.

  
  On 03/02/22, our Credit Solutions Manager spoke with the member about the lack of insurance coverage. She told our manager she did not get full coverage insurance on the the truck, as required, until 08/10/21. The loan was made on 04/12/21, so this created a lapse in full coverage insurance starting at the loan date of 04/12/21 and ended on 08/10/21, when they updated their insurance coverage.

  The result is a CPI premium for $1,948 to cover this lapse in full coverage.
  

  Although proof of full coverage insurance beginning 8/10/21 was provided, the premium added to the members account for the lapsed time without full coverage insurance cannot be refunded.