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Business Profile

Credit Union

Azura Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

This profile includes complaints for Azura Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Azura Credit Union has 9 locations, listed below.

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    Customer Complaints Summary

    • 4 total complaints in the last 3 years.
    • 2 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/03/2025

      Type:Billing Issues
      Status:
      Answered
      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 am writing to request the removal of a missed payment from my credit report. The payment, in the amount of $504, was due in February 2024 to Azura Credit Union. The reason for the missed payment was difficulty navigating the payment options on their website. Specifically, I attempted to use the automatic external loan payment option, but it was unclear when the recurring payments would be processed during the setup process. As a result, the payment was not processed as intended. Since then, I have been manually processing payments on the Azura website, rather than relying on the automatic payment option.

      Given that I have taken steps to resolve the issue and have since been making timely payments, I kindly request that the missed payment be removed from my credit report. For your reference, I have attached a screenshot showing that I made two $504 payments to Azura Credit Union in February 2024. I am happy to provide any further supporting documentation, such as payment proof or correspondence with the business, if needed.

      Thank you for your time and assistance in resolving this matter.

      Business Response

      Date: 04/24/2025

      This was updated in our system as a one-time courtesy to the member. We have reached out via phone, USPS and email but have not been able to reach the member.  Credit Bureau files are sent out monthly so the member should see the update on his credit report in May.  We appreciate the member bringing this to our attention. 

    • Initial Complaint

      Date:12/27/2024

      Type:Billing Issues
      Status:
      Answered
      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 shopping for cheaper insurance because travelers was over charging me I found insurance and then when I checked my account azura had charged me 350 on dec 5 I contacted them and sent proof of insurance on the 11th and then they turned around and charged me another 175 on Dec 26.
      For me to insure it it's under 350$ a year and they have charged me 525$ in one month 175$ of that after i sent the proof of insurance to them this is the most ridiculous thing I have ever heard of I have been with them for over a decade and it just makes me wonder what other scandalous things they have done in that time.

      Business Response

      Date: 01/03/2025

      We are mailing out a detailed letter to the member today which includes specific details that cannot be included in this response.  When we received notice that the insurance policy was cancelled we sent out multiple letters requesting proof of new insurance.  With no insurance on file, the insurance premiums for October through December were purchased and applied to the loan as was outlined in the loan agreement signed by the member.  Once the new policy was obtained we cancelled future insurance but could not refund for October through December because the vehicle was otherwise uninsured during that period.  if you provide proof that you had insurance coverage for the vehicle between the policy ending in October and the new one beginning in December, we will be able to refund these premiums.  All our actions were done per the loan agreement that you signed with us, and the notices we sent you.          

    • Initial Complaint

      Date:03/28/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Azura is hitting my credit for late payments when payments have been made. Azura is taking weeks to process payments, or I can call and be charged $10 for them to take my payment. A payment was made on March 13th for $260 and on March 25, 2024 for $475.00. I talked to a representative of the credit union stating payment have been sent. Azura has been slow to process payments from previous bank as well. It appears Azura credit union is using tactics to collect more money in fees from customers. I would like the late payment comments on all 3 credit bureaus removed and for Azura to stop charging extra fees.

      Business Response

      Date: 04/05/2024

      Mr. ******** 

      We take the accuracy of payment application and credit reporting very seriously and can assure you that payments are processed the same day they are received. We received and posted a payment in the amount of $475 on April 1, 2024. As of the time of this response, we are not in receipt of the other payment you stated to have mailed in March. If your records indicate otherwise and the amounts have cleared your account, please provide that documentation so we may investigate and make any necessary corrections, including refunding any unearned fees and amending data previously furnished to the credit reporting agencies.

      While we cannot account for mail delivery time, we would be happy to assist you with setting up automatic payments to avoid additional delays in the future. Please contact us at your convenience to discuss the best option!

      Business Response

      Date: 04/08/2024

      *** *******: 

      We appreciate the additional information regarding the missing payment in the amount of $260 mailed on March 13, 2024 via your primary financial institutions bill pay provider. This additional information has helped us conduct thorough research and we have discovered that the payment was received on March 18, 2024 but was applied to the wrong account. Please accept our sincerest apologies for this mistake and rest assured we are making the necessary corrections. 

      To protect and respect your privacy, we will provide further detail about these corrections directly to you. Thank you for your patience and cooperation. 

      Customer Answer

      Date: 04/10/2024

      Another 30 day late notice was put on my account at the end of March. As shown in last documents payment was sent. I also told a bank representative on the phine the date payment was made and the amount. That payment was not 30 days late. If the last two derogatory remarks put on my credit reports are removed as well as late fees refunded as ******* ******* said then I will agree and close this case.

    • Initial Complaint

      Date:04/20/2023

      Type:Billing Issues
      Status:
      Answered
      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 wife and I went to Azura in August 2022 to discuss certificates of deposit after seeing their “30 month ****% APY bump rate cd” advertising. We were told that this cd would be ideal for us because “when rates rise, you will be able to bump it to the higher rate”. Interest rates have increased 5 times since August 2022, for an total of ***%! Azura hasn’t raised their “bump rate“ at all, even though they have increased all of their other rates on CDs and loans. (Fed rate was 2.25% in Aug. 2022 and 4.75% as of today). We have contacted Azura several times in the last few months, asking about the 30 month bump rate CD that we have and when might it increase. The answers that I was given were: that doesn’t seem right, check on the first of every month for an increase, or you could pay the 6 months interest penalty and move it to a different account!
      This product was highly advertised, and was sold to us with the understanding that when interest rates climb, you can lock it in at the new higher rate!
      I contend that this was false advertising, that this product is not a “bump rate cd” as advertised because it never increases.
      Their competition, ************** ******* ****** ***** just offered a ****% APY for ** months, a big difference for someone ** * ***** ******, like my wife and myself.

      Customer Answer

      Date: 04/30/2023

      The “Bump Rate CD” that we inquired about when we first talked to the representative at Azura Credit Union was described to be an investment vehicle that would offer an opportunity to bump up the rate as interest rates increase. Before we spoke to the Azura representative, we were hesitant to invest in this institution. We were sold on this product by the statement of the Azura representative! When I spoke with Jessica, who told me that she was a supervisor, she said that Azura has received multiple complaints about this issue!

      What Is a Bump-Up Certificate of Deposit? 
      A bump-up certificate of deposit (bump-up CD) is a savings certificate that entitles the bearer to take advantage of rising interest rates with a one-time option to raise (or “bump up”) the interest rate paid. (From Investopedia)

      I believe that Azura has no business calling their product a bump rate cd, and that they don’t intend to “bump” the rate.

      Business Response

      Date: 04/30/2023

      This complaint is identical to one filed with our state regulatory department and has been responded to in the manner in which the regulator requires - by direct contact and formal response to the complainant.

      No further response is required regarding this BBB complaint at this time.

      Customer Answer

      Date: 05/01/2023



      Complaint: ********



      I am rejecting this response. Azura claims to have no responsibility to increase the bump rate. I contend that what I was told when obtaining this account is not what has actually occurred. While I understand that there was no guarantee of an increase, it was represented to me that rates would increase when warranted. When are increases warranted, if not in an environment where 5 Federal Bank rate increases took place for a total of ***%?




      Sincerely,



      Jim ********

    Azura Credit Union is NOT a BBB Accredited Business.

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