Complaints

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

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  CommunityWide Federal Credit Union

  1555 W Western Ave South Bend, IN 46619-3742

  
• 

  CommunityWide Federal Credit Union

  3530 Hickory Rd Mishawaka, IN 46545-8805

  
• 

  CommunityWide Federal Credit Union

  2110 Cassopolis St Elkhart, IN 46514-5105

  
• 

  CommunityWide Federal Credit Union

  52550 Fir Rd Granger, IN 46530-8579

  
• 

  CommunityWide Federal Credit Union

  925 Lincolnway E Goshen, IN 46526-4218

  

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:06/01/2025

  Type:Product 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.

  On May 19, 2025 I went to the company's website to open and fund a certificate of deposit. I followed the instructions on each page as it loaded and had to open a "savings" account for $5 as well as "contribute" $5 to a selected organization. After completing all the required info, I was stuck on the page showing my new savings account of $5. Nowhere was I able to open a **. When I called the credit union, I was told that to open a **, I actually needed to mail them a check to get the process started as they were not set up to do electronic transfers. I told the employee I was speaking with that I did not want to go to all that trouble so I wanted a refund of the $10 I had paid them from the external bank account that I would have used to fund the ** (strange that they could electronically transfer the $10 from my external account but could not use the same account to fund a new **!). The employee said I would have a full refund my the following Monday. That never came, and on May 28, 2025, I received a $5 check from the credit union. When I called them that day, I was told that they would not refund the $5 (REQUIRED) "contribution" I paid when I was trying to open the **. I am asking that the credit union refund me that $5.

  

  Business Response

  Date: 06/05/2025

  We have contacted our member regarding complaint #******** and believe a resolution has been reached.  We have also given the contact information for our VP of ************** if anything else is needed in the future.

  Customer Answer

  Date: 06/05/2025

   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.

  
  

  Thank you.

• Initial Complaint

  Date:05/09/2025

  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 car and the dealership used community wide credit union. This has been the worst experience with a financial institution. First they messed up our title , never sending the memorandum title for the plates. Finally they ended up sending the real title. Their mistake per usual and when they realized the mistake, started calling a threatening us with repossession of the car even though by this time we had already made 3 payments. From there, they are now refusing to verify our insurance. We have spend 2 months providing them documents over and over but never to their satisfaction and they continue to threaten to force place insurance even though we have been insured fully since our and had to provide this information to them. The are still trying to force place insurance now because the insurance carrier wrote the wrong vin and community wide wants to charge us for insurance from March to current. Unbelievable. I cannot refinance this soon enough. Do not use this credit union! Incompetent at best.

  

  Business Response

  Date: 05/19/2025

  We have reached out to our member regarding complaint ******** and believe that this complaint has been resolved.  If anything else is needed we have given them our VP of *************** direct contact information and he would be happy to assist further.

• Initial Complaint

  Date:08/29/2024

  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.

  A transaction made on 8/29/2024 (attached: Aug 29 2024 Insurance Charge) by Community Wide FCU for the purchase of insurance for a past period was not authorized. Furthermore, the "insurance" charge amounted to more than 3x my annual insurance cost, although is supposedly covered less than a 3 month period.Background: Community Wide FCU holds a collateralized loan on a recreation vehicle. I mistakenly dropped insurance on the vehicle while it pas parked for several months. Upon notification from Community Wide, resumed insurance, with a policy starting on 8/5/2024, the earliest date available upon requesting the policy. I received an additional notice in the last week of August, stating that I must show proof of insurance for the period before 8/5/2024. I contacted my insurer, and a requested a policy that covered this past period. However, this was not possible, even though they are my current insurer. Upon contacting Community Wide to discuss the issue, I found out that they had already charged my account for there insurance to cover this period. I toke issue with three points. One, was how they were able to purchase insurance for a past period, when I could not. Two, was this actually insurance, or just a fee. Why did there insurance cost more than the equivalent of 3 years of my current insurance to cover a 3 month period. The response I was given is that yes, it is insurance. However, I have not received any information regarding the policy for that time period. They gave no response to the past period and to why they were able to purchase for past periods. They likewise gave no response as to why the insurance cost was many multiples higher than actual insurance.

  

  Business Response

  Date: 09/06/2024

  In response to complaint #******** we have reached out to our member via email on 08/31 with answers to the questions in the complaint.  In the response we have also listed what we would need for a potential refund.  We have not received a response as of 09/06/2024.  If anything else is needed our VP of Member Solutions *****, would be happy to assist at ********************* for loans and then 2 for Member Solutions.

• Initial Complaint

  Date:07/19/2024

  Type:Product 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.

  This complaint is against CommunityWide FCU for not refunding the billing errors on debit card ending in 4883 used threw third party vendor lenderpay as a payment service. The error first started when I added my card threw auto pay somehow I was still getting billed even thou I didn't authorized this card to be billed for these transactions.69.95 jan 5, 2024 ****** Jan 11,2024 ****** feb 15, 2024 ****** march 18, 2024 ****** april 16, 2024 A dispute was put in with my financial institution and on July 2, 2024 a charge back was submitted to CommunityWide FCU for all 5 transactions that was charged on my debit card ending in 4883 and than on July 05,2024 communitywide FCU sent me notification that they reverse all disputed transactions back to the debit card used as error. As of July 19,2024 there has been no refund sent back to original bank as contacting them.I called CommunityWide FCU on July 18,2024 they stated they already refunded all 5 transactions on the card ending in 4883 on July 05, 2024 I requested proof of the refunds sent back, I also asked for a ARN which means authorization Return Number the agent didn't understand what I was asking for but my bank instructed CommunityWide FCU to provide that ARN so they can located and trace where the refunds went to.the debit card ending in 4883 is closed due to the unauthorized debits this could have also caused the delay in receiving the refunds that CommunityWide FCU stated they return on July 05,2024 however it is not the case and CommunityWide FCU must fix this error and follow the charge back procedures as my bank is still waiting on the charge back returns that CommunityWide FCU stated they already return.I

  

  Business Response

  Date: 07/25/2024

  In response to complaint ***********, we have sent the requested ARN numbers for the two disputed transactions to our member.  We have also confirmed with our charge-back department that these two reversals were completed successfully on 07/05 and were the only two transactions that we received disputes for.  If anything else is needed feel free to contact us at **************.

  Customer Answer

  Date: 07/26/2024

   I am rejecting this response because:

   Charge back request
   
  Attached to this email are the document(s) used in your dispute investigation. Your investigation included a review of the following transactions:
   
  Transactions (5)
   
  Chime TXN ID Date Amount Merchant
  1. *********** 2024-01-05 $69.95 Community Wide Fcu
  2. *********** 2024-01-11 $534.95 Community Wide Fcu
  3. *********** 2024-02-14 $537.95 Community Wide Fcu
  4. *********** 2024-03-18 $534.95 Community Wide Fcu
  5. *********** 2024-04-16 $531.95 Community Wide Fcu

   

  only 2 were reverse and not all five.

  I am requesting Cowide fcu to reverse the remaining three   1. *********** 2024-01-05 $69.95 Community Wide Fcu
  2. *********** 2024-01-11 $534.95 Community Wide Fcu
  3. *********** 2024-02-14 $537.95 Community Wide Fcu

  that were never charge back as my financial institution dispute team stated they requested all 5 charge back request on July 02,2024 

  another  charge back request has been submitted comwide fcu can go ahead and issue an charge back on the remaining three transactions and email me the remaining ARN trace numbers.

  As speaking with Cowide manager by email   Mr. ******************* he advised me only two charge back requests was refunded back to card ending in 4883 

  but not the 5 in total I emailed him back with no further correspondence from him of him needing to refund the remaining three transactions listed in this complaint.

  I also stated to him that all 5 transactions were reverse on my loan and added into the minimum amount due which is normal when the charges are reverse

  to speed up the process I am hoping CoWide would do the right thing and just reverse the remaining three charges in questioned to prevent further bbb.org complaints being filed on same issue.

  
  
  

  
  

  

  Business Response

  Date: 08/01/2024

  In response to our member stating that the 3 additional chargebacks were initiated again by the other institution on 07/26, we have followed up with our chargeback department.  As of 08/01/24 we still do not have any record of these chargebacks from 02/14, 01/11, or 01/05.  The other two listed in the complaint from 04/16 and 03/18 were received and processed successfully on 07/05.  These ARN numbers were provided to the member as requested.

  Customer Answer

  Date: 08/02/2024

   I am rejecting this response because:

  Communitywife FCU failed to return charge back request for all 3 remaining transactions listed below

   

    
  Chime TXN ID Date Amount Merchant
  1. *********** 2024-01-05 $69.95 Community Wide Fcu
  2. *********** 2024-01-11 $534.95 Community Wide Fcu
  3. *********** 2024-02-14 $537.95 Community Wide Fcu

   

  The merchant stated to me on July 02, 2024 they sent over to communitywide FCU charge back request on all 5 transactions

  its not like Communitywide FCU don't understand to return ARN each of the remaining transactions requested its simple knowing the consumer letting them know the remaining 3 transactions wasn't chargeback

  instead saying only two was requested by merchant I am requesting proof from Communitywide fcu of such chargeback request that the merchant only sent them 2 chargeback request and not all 5 transactions in question.

  communitywide FCU can attached document of chargeback request that states only 2 transaction and I am requesting return ARN of the remaining in questioned returned to card ending in 4883

   

  I also notified the merchant that Communitywide FCU said they only received two chargebacks not 5    to resend chargeback complaint request.

  to prevent me from keep filing a bbb.org future complaint it would be simple for Communitywide FCU to just return the remaining in this complaint while I am waiting on update from my merchant dispute team. 

  in the meatime I am requesting the remaining returns because these are included in my original dispute 

  
  

  

  Business Response

  Date: 08/09/2024

  As of 08/09/2024 we still have not received any requests from the members other financial institution for the other three disputes mentioned in the complaint.  The two that we received on 07/05/24 were processed and sent back successfully.

  Customer Answer

  Date: 08/10/2024

   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.

  
  

   

  Dispute issue has already been resolved case closed.

• Initial Complaint

  Date:05/12/2024

  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.

  1.On or Around December 2022, ******** took two (2) car loans from ******************** Wide for two ******* Elantra financing..2.Claimant will receive several and harassing mails, emails and text messages from Respondent about ************* Proof. At the beginning, Claimant provided via Phone Call, text and emails the information required showing the cars were covered, not just by one, but by two insurances at any time, and one deductible is $1,000.3.Claimant will take Notice on April 2023, while reviewing his tax return, that $11,000 were added for insurance to the loan. ******** immediately contacted Respondent to asked them to correct the error and provided once again insurance proof. ******** was told via phone that Respondent will take care of everything, and assumed the issue was taken care of. 4.Claimant warned Respondent that such negligence may end up on a Class Action and huge fees.5. Claimants will take notice once again on April **************************** his tax filing about these two accounts above-mentioned. The numbers did not add up, and Claimants felt like the cost of the two cars are way higher than there should be, and the amounts paid during the tax year is like doubled than what was expected.6.In May 2024, Claimant decided to verify his automatic payments on the ComWide.com website.7.In one car loan, Claimant set automatic payment for $885.67 per month for the car note, but Respondent charged an additional $763.38 every month without any authorization.8.In another car loan, Claimant set automatic payment for $451.99 per month for the car note, but Respondent charges an additional $697.79 every month without any authorization.9.On the one car loan, Respondent charged $6,101.00 as insurance premium on April 6th, 2023, and $3,134.00 as Insurance Premium on February 1st, 2024.10.On another car loan, Respondent charged $6,702.00 as insurance premium on March 30th, 2023, and $2,992.00 as Insurance Premium on January 25th, 2024.

  

  Business Response

  Date: 05/21/2024

  In response to complaint #********, we have reviewed the loans in question and reached out to our member.  We have obtained the required documentation for proof of insurance for the two loans.  A full refund of the disputed amount is currently being processed on our end.  The refund will occur on two dates with the first being 05/22 and the remainder of the refund on 05/29.

  Customer Answer

  Date: 05/26/2024

   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.

• Initial Complaint

  Date:04/30/2024

  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.

  Ive been trying to speak with an actual manager or someone higher than the office staff because of how rude the staff is. Each one gives me different information regarding my account that's currently in bankruptcy! They threatened me today stating that I have 1 ween to pay up or they will repossess. My bankruptcy court date isn't for another week and CW says my papers are wrong, only theirs is correct! They hang up on me, they're rude, they won't even discuss things..the say pay or else and that's all they care to say! I can't reach anyone who will go over things with me so we can all be on the same page. This place purposely sets clients up for failure, the information given will change drastically person by person, and they have no problem haging up on you when you request to speak with someone else!

  

  Business Response

  Date: 05/06/2024

  In regard to complaint #********, we have had a manager of this department reach out to our member regarding their loan.  We were able to explain everything in detail and an agreement has been made and accepted.  We have also given the direct extension of this manager to the member for any further needs.

• Initial Complaint

  Date:02/23/2024

  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.

  For the past few months, Ive been fighting with this company regarding a charge on my account. This charge was given to me because I didnt have car insurance despite paying car insurance regularly for years. *** faxed and emailed proof of insurance on multiple occasions and had the insurance company send proof of insurance and as of February, they still claim that I owe money because they dont believe I had car insurance between July and September of 2023. Which, again, I had car insurance regularly. After calling every day, they said I still owe money for ******* despite paying my regular (direct deposited) car payment. So Im in debt because I had to pay more for ******* on top of my February bill.

  

  Business Response

  Date: 03/01/2024

  In response to complaint 631770421DBC4, we believe that this complaint has been resolved.  The adjustment(s) requested in the complaint were processing when the complaint was originally submitted and have posted since.  If anything else is needed, *** our VP of ************** can be reached at ***********************.

• Initial Complaint

  Date:02/09/2024

  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.

  I was charged an "Insurance Fee" for a little over $4,000. I had insurance and could verify such, but they said I am behind $4,400 and repossessed my truck. When I call to remove the $4,000 fee, the lady hangs up on me or will only discuss the payments I'm behind on. If I am behind, that's one thing, but I cannot even get a past due amount (they say $4,400) when I was wrongfully charged the $4,000 fee. I call every day and the amount changes and they still won't discuss the fee so it can be removed. Also, when I look at my account online, it says my past due balance is $3,700. I can't get an exact, honest amount, nor can anyone explain the overall problem. I don't understand why the amount fluctuates daily, I don't understand why I was charged the insurance fee even though I have proof, yet they won't discuss it. Now I'm being charged by the day for my truck in repossession and I can't get it out because I can't seem to get the correct info! Pay attention to your account! Keep track of everything on your own and save everything, confirmation numbers, etc.! Steer clear from the ********** office because those ladies are so disrespectful, they lack basic common courtesy, and none of them are on the same page in regards to your account information!

  

  Business Response

  Date: 02/10/2024

  In response to complaint #********, we have reached out and explained in more detail the charges in question.  We believe that we have reached an agreement with ************ and we have provided him a direct contact within our **************** department if any other concerns or questions come up. 

• Initial Complaint

  Date:09/11/2023

  Type:Service or Repair 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 secured a used auto loan through Communitywide FCU. Their app was encountering an issue and couldnt establish autopay. This resulted in a missed payment, which I paid to bring the account current within minutes of receiving letter mail about my missed payment. I have saved screenshot evidence of the error message their app gives when trying to establish autopay. They still reported me as delinquent on the account, dropping my ********************** score 60+ points and their agent refused to offer a correction when I called. The only help they offered was to charge me a fee in order to set up autopay over the phone, which I declined as I wont reward them for failing tech. Stay far away from them, find someone with more reliable systems or will at least accept responsibility when it fails.

  

  Business Response

  Date: 09/12/2023

  In regards to complaint #******** we have reached out to our member and believe we have reached a resolution.  If anything else is needed ***, our VP of ************** would be happy to assist at ************************.

  Customer Answer

  Date: 09/12/2023

   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.

• Initial Complaint

  Date:06/01/2023

  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.

  I have a car loan threw them and I got behind a payment In 2018. The last notice I received from them was 2019. I have been unaware for 3 years that I was not currant on the loan. They called me every month to make sure I was going to make a payment and never mentioned I was behind. Also I recievd a letter stating I was denied for a $40,000 + loan that I never applied for.

  

  Business Response

  Date: 06/08/2023

  We have reviewed the account in question for complaint #********.  We do show that the credit reporting is accurate for the loan and we are unfortunately unable to remove the marks that were reported to the bureau.  Our records also indicate that courtesy calls were done and statements were mailed out each month for the loan.  We have also let the member know the letter that was mailed regarding the loan application was for a family member living in the household with the same name.  If there are any further questions regarding this issue, we would be happy to assist and can be reached at ************************.