Reviews

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

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CommunityAmerica Credit Union has 37 locations, listed below.

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  CommunityAmerica Credit Union

  9777 Ridge Dr Corporate Adminstrative Office Lenexa, KS 66219-9746

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  CommunityAmerica Credit Union

  10300 E Highway 350 Raytown, MO 64138-1803

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  CommunityAmerica Credit Union

  2800 Clay Edwards Dr Kansas City, MO 64116-3220

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  CommunityAmerica Credit Union

  7620 State Line Rd Prairie Village, KS 66208-3705

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  CommunityAmerica Credit Union

  4545 S Noland Rd Independence, MO 64055-4887

Review Details

• Review fromKenyetta H

  Date: 08/23/2023

  1 star

  Kenyetta H

  Date: 08/23/2023

  When I tell you Im beyond ****** thats what I mean and if I can get this a negative stars I would! None of the credit card/loan representatives are on the same page! Before my credit was ran I was informed by two different costumer service representatives that if my history with community America was good with no charges off and my credit score was 550 and higher than I would nine times out of ten get approved! Once I was transferred to the loan department, the lady I spoke to informed me that as long as there wasnt any recent negative reporting on my credit in the past 6 months then I should be good. Once she ran my credit, she mainly mentioned a few things that was added to my credit report from the year of 2019 nothing really recently. Its like she looked past all the good recent reports that had been added to my credit recently. Due to her and the two representatives before speaking to her, informing me different answers about getting and applying for a credit card through community America, I was hit with a hard inquiry. Super irritating because Im trying to build my credit not constantly lower. If I was informed the proper information from all departments(credit card) I wouldnt have never applied for a credit card yet just to avoid getting hit with a hard inquiry that made my credit go down a little.

  CommunityAmerica Credit Union

  Date: 09/05/2023

  Upon completion of our internal investigation, we found that general information initially given may have led to assumptions about the application process, however, a loan representative did explain requirements to apply and discussed hard inquiries and the impact to a credit score. Before proceeding with the application, the member confirmed she wanted to apply. A representative from the credit union contacted the consumer directly to discuss our findings and offered to put her in contact with a Well Being Coach to assist with reviewing credit, expenses, and rebuilding credit. The member declined for now. We apologize for any confusion regarding the application process but look forward to continuing to service our members needs. By the actions set forth in this response, we consider this matter resolved to the satisfaction of all parties involved.

• Review fromTraci S

  Date: 08/08/2023

  1 star

  Traci S

  Date: 08/08/2023

  This business needs to have the ability to give a below zero review. My autistic sons debit card was recently hacked and over $1,000 was taken out of his account via $250 increments back to back in ********. He has never been to ********. Apparently, **** said he was sent messages inquiring about these charges, and he confirmed them. He never received any text messages of the sort. They opened a fraud case, approved it, put the money back in his account, then reversed their decision and took the money back out. Now they are saying the case is closed, and hes just screwed. He has been given the complete runaround, called many different phone numbers, talked to many different people to no avail. Since he is autistic, he doesnt communicate the best, so I believe they didnt even bother to take him seriously. I even talked to them, to possibly help with any communication issues, and they told me it would be reopened and rectified. So much for that. I am contacting all the news stations, BBB, FDIC, and anyone else I can possibly think of to get this story out and file formal complaints. I have banked with them for YEARS, my kids bank with them, so we have multiple accounts that I plan yanking out of there. Stay away from this institution. There are so many banks to choose from these days that I know would treat their customers better. Shame on them! My son works two jobs to make ends meet, so you can only imagine the impact of losing over $1,000 has on him financially.

  CommunityAmerica Credit Union

  Date: 08/23/2023

  The credit unions investigation found that the transactions disputed were not authorized by the member and indeed are fraud. We have since provided a full refund on the fraud transactions. A executive contacted the member directly to discuss our findings and they worked with the member and ***** and came to an agreement. By the actions set forth in this letter, we consider this matter closed and satisfied.

• Review fromAngie K

  Date: 01/05/2023

  1 star

  Angie K

  Date: 01/05/2023

  If I could leave 0 stars I would. My father passed away and so I brought my mother into transfer his *** (they have been married 57 years). Went into 2 branches, inside for over an hour, each time the person had no understanding IRA,s or whom to contact I guess because they were reading instructions on computer and not speaking to us at all. Eventually they stated they would put a case in and would call us back. Took an hour at each place to do thatwhat? We leave get call back next day stating that I was right your father did not check he was married! The money will go to beneficiaries. Mother crying, called corporate office and asked to speak to IRA ********** (after several hang *** from contact center), IRA ********** answered and informed that IRAs are not done in-house now they have an outside company. What?! She did inform us that my father did not check the box that he was married and money to beneficiaries. I asked to see documents and was informed they belong to Community America. Informed if we want to have a lawyer ask for copies than a different matter. What is going on?! I asked again for copies and she stated would ask their legal team if we could see such documents. Now, I am waiting to see what the credit union lawyers state. Why wouldnt you want to show me a check **** was not ****ed, if that was what happened. I am one of the beneficiaries can I not see such document? Not sure what is going on with Community America, but no one seems to know what is going on with existing accounts. By the way, I have been with them since **** and parents since ****. Time to move accounts!!!!

  CommunityAmerica Credit Union

  Date: 01/24/2023

  As background, the credit union uses a reputable merchant for *** processing to ensure all applicable state and tax laws are followed- this is standard for financial institutions and is the reason why front-line did not have updated information available to provide.Upon completion of our internal investigation, we determined that the decedents beneficiary designations are accurate, and his surviving spouse was not named. We understand this is upsetting to the family. Subsequently, one of the other named beneficiaries requested a copy of the account card, which we are only required by law to make available to an Executor of the Estate. Nonetheless, the credit union made an exception and provided a copy of the account card to show there was no error on the named beneficiaries. We are sorry for the loss of their father and husband, and for any additional stress caused by this process during such a difficult time. By the actions set forth in this review, we consider this matter closed.

• Review fromMariah K

  Date: 01/03/2023

  1 star

  Mariah K

  Date: 01/03/2023

  I have had an account with them for decades. Unfortunately, they continue to have bad business practices, including but not limited to taking out bill pay before deposits come through. This seems very intentional as most of the country lives paycheck to paycheck, and going negative incurs fees that go straight to the bank for profit. They are aware of the situation though they do nothing about it.

  CommunityAmerica Credit Union

  Date: 01/10/2023

  Upon completion of our internal investigation, we determined that there was no error in the order the automatic payments were posted. The credit union has no control over the order, as they are posted in the order received. The member has set up automatic payments to come out of the account on a certain date, however, it appears that the *** debit processed before the *** credit, which caused a fee for this member. We have since refunded the fee. We suggest the member schedule her payments on a day after deposits are scheduled to come in to ensure funds have time to post. We strongly urge the consumer to contact the credit union directly if she has any further concerns. By the actions set forth in this response, we consider this matter closed.

• Review fromJenn S

  Date: 12/07/2022

  1 star

  Jenn S

  Date: 12/07/2022

  I have been with CACU for many years and have had my fair share of issues. They basically scammed me into a HELOC loan because their loan agent failed to process loan information correctly and told me I was approved for a refinance loan. The refi funds were supposed to drop in my account and the loan agent told me it was safe to issue payments for pay offs I was making on other accounts with the refinance funds-so $18K in payments was made and then suddenly the loan agent came back to say the loan was pulled back due to a paperwork error on their end so because the money had already been sent they offered to put me in a HELOC loan. (This is all documented via emails). I was young and niave and put my trust in my personal banker there and they took full advantage of that. I should have escalated what happened to the ************************************ but again it was my first loan like that and I put trust in what they were telling me. Flash forward to 5 years later and the current interest rates are killing me. The rates are double now and customer service is awful. They have messed up accounts. Delays in posting and charging late fees for payments that were made on time. The last 3 months literally every aspect of the bank and how they do business is worse. I use to love this bank and feel like they loved their members but that feeling hasn't been there in a while.

  CommunityAmerica Credit Union

  Date: 12/08/2022

  We are unable to locate your account based on the limited information provided. We'd love the opportunity to review this matter and have a member of management speak with you. Our website (communityamerica.com) shows various ways to reach us via chat, secure e-mail, or by visiting a local branch. We regret youve had a bad experience but look forward to addressing your concerns.

• Review fromPrecious N

  Date: 11/10/2022

  1 star

  Precious N

  Date: 11/10/2022

  I was looking to get my money out of big banks and into a credit union. This turned out to be one of the single most disastrous decisions I've made in a long time. I was issued a bad check from a previous employer a couple weeks before relocating out of state. The problem was immediately resolved with the employer. The proof was right there in the transactions as I explained to the representative. You are not allowed to talk to anyone from the fraud department. They just decided to lock up my funds for what they are saying could be a month. This is unheard of for me. I'm now out of state maxing out credit cards to survive and they couldn't care less. What is there to investigate? This is absolute BS! No compassion whatsoever. Never again! I'm telling everyone I know to stay far away. Shame on you ***************************** for endorsing such a c*** bank...the only reason I heard of this c*** bank in the first place. Doesn't even deserve one star. Reps won't even pass important messages to fraud ***** Just lazy.

  CommunityAmerica Credit Union

  Date: 11/28/2022

  This response hereby confirms our receipt of Better Business Bureau the review left by consumer on November 11, 2022. As a member-owned not-for-profit cooperative, we thoroughly investigate and respond to all consumer reviews. Upon completion of our internal investigation, we found that the account was recently opened when the check was deposited via mobile banking. The check was flagged as suspicious, and a hold placed on the funds and on online banking until it could be further investigated. The consumer provided additional information to aide in the investigation and the matter was subsequently resolved within 6 business days. Records show at least 7 contacts were made to keep the consumer informed of the progress. We apologize the consumer had a bad experience and financially difficulties during the investigation, our fraud team works as quickly as possible to resolve all matters. By the actions set forth in this response, we consider this matter resolved.

• Review fromLindsay H.

  Date: 10/23/2022

  1 star

  Lindsay H.

  Date: 10/23/2022

  Im closing my account with them after almost ********************************************************** a new debit card issued correctly. This place is headed straight downhill. Years ago I raved about them and now I wouldnt recommend them to anyone.

  CommunityAmerica Credit Union

  Date: 11/04/2022

  Due to a recent system upgrade, call volumes are higher than normal. Our website (communityamerica.com) shows various ways to reach a representative via chat, secure e-mail, or by visiting a local branch. We regret youve had a bad experience but look forward to continue servicing your financial needs!

• Review fromSharion C

  Date: 10/18/2022

  1 star
  I have been a cacu customer for a long time and have gotten several loans and paid all of them off.Well I got 2 more and have paid them down quite a bit and at one point in time my credit was going up now just within the last month or so my credit I have lost about 100 points Ive gotten hit and Ive been making my payments but not getting credit for the payments that Ive made and its through Community America and when I inquire about it, Im told that yes its because my credit was I guess maybe in accurate but I dont understand how that is when Ive never missed a payment, but they say that I have . I went into the bank and talk to one of the personal bankers about it, and she agreed and had contacted someone over the phone, and they all agreed that instead of me being behind, I should have actually had payments that basically shouldve been credited and I shouldnt have to pay on this loan for some months but I was not trying to miss payments. I was just trying to get my payments down to where its lower and I still wanted to make my same monthly payments but just at a lower amount. I have almost reached the 700 **** just to now have my credit dropped from 700 to a 514 and I dont understand why when Im making my payments on time and I havent missed any payments

• Review fromIsabel U

  Date: 10/12/2022

  1 star

  Isabel U

  Date: 10/12/2022

  Worse bank ever. You have to contact them for every little thing. You cannot even make an account without have to contact them. You have to contact them to pay a bill. It is ridiculous. And the customer service is HORRIBLE. You cannot even understand what they are saying and they are so RUDE. I am having a hard time canceling my credit card. I would NEVER recommend this bank to anyone. Have never had any problem with any other bank but this one. JUST HORRIBLE.

  CommunityAmerica Credit Union

  Date: 10/20/2022

  We were unable to locate an account with the limited information provided. A member of management sent a message to the email address on this review, but did not receive a response. Please contact the credit union via phone, email, chat, or visit a local branch. You can find all the ways to contact us on our website at communityamerica.com. Looking forward to assisting you!

• Review fromMikah N

  Date: 10/04/2022

  1 star

  Mikah N

  Date: 10/04/2022

  CACU used to be a bank I recommended due to convenience and helpfulness. I specifically chose to set up my personal and business account with them so I could have and see everything in one place. Without warning, my business account was removed from my account and I now have to create a whole separate account and login to see what Ive been seeing for the last 2 years. Very f****** annoyed and will be switching banks. -*********************

  CommunityAmerica Credit Union

  Date: 10/20/2022

  For security reasons, if a business account is under an Employer Identification Number (EIN) and your personal account is tied to your Social Security Number (SSN), you will be required to have sperate logins for each account. This allows for expanded protection for various tax ID numbers. We understand it may not be what youre used to and apologize for the inconvenience. You can still transact between these accounts by utilizing a few different options. You can find all the ways to contact us on our website at communityamerica.com. Looking forward to assisting you!