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 has 11 locations, listed below.

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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

  
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  CommunityWide Federal Credit Union

  2110 Cassopolis St Elkhart, IN 46514-5105

  
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  CommunityWide Federal Credit Union

  52550 Fir Rd Granger, IN 46530-8579

  
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  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:05/11/2023

  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.

  The loan company was initially requesting a copy of my insurance which is standard. I was unable to provide them a copy of the insurance I already had within time so they added $5,352 on to my loan as an insurance premium. I was able to get them the required copy of my insurance they needed in order to be refunded the extra $5,352 they added on to my loan. They only refunded me $3,989 which is okay. Now they are telling me the insurance I have sent them is no longer up to their standards after they told me it was fine and issued me a refund. They now want to add an almost $6,500 premium onto my loan after they specifically told me that my insurance was fine and there would no longer be any issues. 2 representatives from the collection department told me I would be fine and no further action would be needed from any parties and no further alterations to my loan would be done. I feel as if they are trying to take advantage of me and my finances. When they initially added the premium, my payments more than doubled. I was able to upload all of the supporting documents I have but one. Please reach out to me so I can send the missing document.

  

  Business Response

  Date: 05/11/2023

  We have been in contact with member regarding complaint #******** and explained the letter that was received in more detail.  From the communication with the member, we do believe this complaint has been resolved.  If anything else is needed ***, our VP of ************** would be happy to assist at **************.

  Customer Answer

  Date: 05/11/2023

   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. They said there is no issues with my insurance and everything is compliant, correct, and to disregard the letter of the $6,000 premium.

  
  

  Thank you.

• Initial Complaint

  Date:03/14/2023

  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 tried to resolve an issue where communitywide federal credit union placed a 30 day late payment on my credit bureau over $14. When the issue was reported to the credit agencies it looks like I missed a payment of $428.00. I wanted them to remove the late payment of my bureau because it is not accurate. I have never missed a payment with this bank since 2020. The late payment is extremely misleading and created a financial impact. T

  

  Business Response

  Date: 03/17/2023

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

  Customer Answer

  Date: 03/17/2023

   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:02/20/2023

  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 insurance for my vehicle that has been purchased i supplied my insurance to community wide they had issues with it... i corrected it they approved Since then im still getting mail about they are going to hit me with a$5000 bill for insurance and i received my first bill of $427 after i told them that i have insurance and they approved it and i was told its taken care of that i dont have to worrie about it... by it i mean this extra insurance that i didnt sign up for nor did i agree Contract said if i supply insurance then i dont have to use the insurance of community wide... I did my part i have shown insurance...So why cant community wide do their part ?

  

  Business Response

  Date: 02/22/2023

  In response to complaint #********, we have contacted the member and gone over the required documentation that we will need to be able to refund the premium that was added to the loan.  We have since received the necessary documentation and verified the insurance coverage.  The premium that was added will be refunded within the next 1 or two weeks due to this.  We have contacted the member and notified him of this and believe the complaint to be resolved.  If anything else is needed our member does have the contact information for our VP of *************** ***.  We regret any confusion created due to this.

• Initial Complaint

  Date:12/08/2022

  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.

  11/14/2022 I purchased a vehicle from ************************************** the Finance manager **** got me this bank I found out they charged me a 199. Loan Processing fee when I called to find out what this was I was told everything and anything! Even that it's a Doc fee from dealership. On my truth in lending I agreed to ********* to be Financed not *********

  

  Business Response

  Date: 12/09/2022

  In regards to complaint #******** we have contacted the member via phone call and explained the fee in question in further detail.  We do believe that the member was satisfied with our explanation and the complaint was resolved.  The member was given contact information for ***, our VP of ************** for further assistance, if necessary.  We regret any confusion created in this matter.

  Customer Answer

  Date: 12/13/2022

   I am rejecting this response because:
  
   I spoke to Mr.***, his only resolution he offered was to refinance the loan or pay off in full both are unacceptable!! This "prepaid finance charge " is not something I would have accepted with a 800+ credit score! Now the interest rates are higher so it doesn't make sense. 

  

  Business Response

  Date: 12/21/2022

  We have been in contact with the member this week and believe a resolution has been reached.  If anything else is needed in regards to this complaint we will be happy to assist.  ***, our VP of ************** can be reached at ************************.

  Customer Answer

  Date: 01/03/2023

   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:09/23/2022

  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.

  Community wide charged me a forced insurance fee for over $500. After I discovered it I did everything that was asked of me including providing copies from my insurance company that there was no lapse in coverage ever. My insurance company even personally called them. They refused to refund me my money and now will not even respond to me.

  

  Business Response

  Date: 09/30/2022

  In regards to complaint #******** we have contacted the member via the email provided and believe that we have reached a resolution.  If there are any further concerns or if any additional assistance is needed, our VP of ************** would be happy to assist at **********************.

• Initial Complaint

  Date:07/11/2022

  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 unnecessary "Loan Processing Fee" of $199.00 on top of the $19,800 total loan amount. Loan processing fees are no longer charged by the vast majority of banks as banks make their money off the interest of the loan. This $199.00 charge is deceptively placed in the paperwork to make it appear the total financed amount is only $19,800 which includes any fees, but the true cost of the loan is $19,999.00 plus interest. Please wave the $199.00 "Loan Processing Fee" as this is an unnecessary and out dated fee.

  

  Business Response

  Date: 07/12/2022

  In response to complaint #********, the mentioned processing fee is a fee that is fully disclosed on all retail installment contracts.  This is shown under the itemization of the amount financed section as a prepaid finance charge to CommunityWide Federal Credit Union.  It is also included in the total finance charge on the first page of the contract.  This processing fee is a very common charge in the indirect lending environment and used to cover the cost of the transition of the loan from the time of application at the dealership to funding at the financial institution.  Due to the disclosure of the fee on the signed contract the fee will remain on the loan and can not be refunded.  We can send any requested documents or the signed contract to the consumer for review if needed.  If there are any further questions in regard to the fee or the loan in general our VP of *************** *** can be reached at ************.