Complaints
This profile includes complaints for Service One Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 4 total complaints in the last 3 years.
- 1 complaint closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:02/19/2025
Type: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.
Service One Credit Union (SOCU) has failed now two years in a row to pay our property taxes on time from our escrow account. 2023 property taxes were coded incorrectly, and were actually paid to our neighbors property account with the sheriffs office. Our neighbor has the same first name and middle initial as I do, and their address is two numbers off, so I understand the confusion. However, we received a notice from the sheriffs office today stating our property taxes for 2024 are late, and we are now being charged a penalty of almost $500, like we were for the 2023 tax year. The sheriffs office believes the same thing has occurred. This causes a shortage in our escrow account, and SOCU then charges us more monthly on our mortgage to cover. Additionally, SOCU failed to pay our homeowners insurance for 2023, which lead to the company dropping our coverage. SOCU failed to notify us of the lapse in coverage, so we went the entire year of 2024 without homeowners insurance unknowingly. This is completely unacceptable, and would have left us with nothing in the event a fire or natural disaster claimed our home. SOCU again said this was our fault, and that we should have received the same notice they did stating we had been dropped. They admit to receiving the notice, but said nothing to us. We did not receive a notice, and had no idea this had occurred until we decided to bundle our home and auto together with a different company and they said we currently were not covered. When contacting our old insurance company, they explained SOCU never sent payment and they terminated our insurance. We are now having to pay $800 a more for homeowners insurance since we incurred a penalty for lapse of coverage. SOCU denies any wrongdoing, and has charged us more, yet again, to cover the difference in our escrow account.
Business Response
Date: 02/27/2025
At Service One Credit Union, we are committed to providing excellent service and addressing member concerns. We have now been in direct communication with this member to work out a resolution. We appreciate the opportunity to serve our members and encourage anyone with questions or concerns to reach out to us directly so we can provide personalized support.Initial Complaint
Date:08/07/2023
Type: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.
So the account clearly says it’s closed and the agreement was we pay in full the guy ***** eye to eye hand shakes says u pay it off I’ll take everything off ur credit. My grandfather and I agree. Here it is 2023 and I’m still being told that it’s being reported on my credit as a very very delinquent payment. Somehow they keep reporting this and it’s hurting my credit. The car payment would have never been late but I had my son the day it was due a few weeks went by realizing we had not paid so I take two months in the past and the present Payment and then some how some where I got behind not understanding I call they inform me that the late payments go to the back end so every payment I was making was going to the rears of that payment so I was constantly behind and to be honest i know they didn’t list at least 2 payment so. I have spoke with ***** and his reply was o well I was late and yea we agreed but nothing I can do. All credit agencies that I have spoke with doesn’t fully understand y this hasn’t been resolved I litterly paid 14,000 for a car twiceBusiness Response
Date: 08/14/2023
We have updated the status of this loan as paid in full with
the Credit Bureau. The member opened this loan with Service One in 2019. The
loan was paid off in 2021. There were documented late payments over 30 days that
will remain on her credit report for the standard amount of time by the credit
reporting agencies.Initial Complaint
Date:07/17/2023
Type: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.
Iam not liable for this debt with charter communications, I do not have a contract with SERVICE ONE CREDIT UNION,They did not provide me with the original contract as i requestedBusiness Response
Date: 07/19/2023
This is a former member whose accounts have been closed since 2017. Service One Credit Union does not have any information regarding a debt for Charter Communications and does not have the ability to remove any information regarding a Charter Communications account from a credit report.Customer Answer
Date: 07/20/2023
Complaint: ********
I am rejecting this response because:
Because service one credit union is listed on my credit report And I do not have a contract with credit one service union Please remove any credit one service union information from my credit account
****** *******Business Response
Date: 07/27/2023
*** ******* did have a personal and business checking he opened with Service One
Credit Union. Both were closed and charged
off. Out of courtesy, we have removed these from his credit report. It will reflect
on his report in 2 to 3 weeks.Initial Complaint
Date:08/10/2022
Type: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.
On August 1st 2022 I searched "pay loan with debit card". This payment was intended for ******** ****** Credit Union (****.org).
I clicked a link for Service One Credit Union (****.com) and submitted a payment through repay.io for $335 + service fee.
On August 2nd the payment went through, as shown on attached image.
On August 3rd I realized my mistake and called Service One Credit Union. Customer Service informed me it would not go through as it is not a valid account. I was told it would be refunded by August 4th.
I have not yet received this refund.Business Response
Date: 09/15/2022
Our contact center associate is correct. Typically, we send “repay” payments that are not from our members directly back to “repay”. Investigating whether it was a “repay” issue or a **** issue, will prolong the refund, so, we have decided to overnight Mr. ******* a check for $340.95. We are doing this because of the length of time Mr. ******* has been waiting for his return payment.
I have asked our system folks to “whitelist” your address, so emails from you will make it past our system security. We will usually respond to the BBB diligently, but if something should happen and our response is not timely, we would appreciate knowing sooner that we have not responded to a complaint. Please know, we are concerned about customer issues even if they are not **** members.
Have a good evening,
******* ** *****
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.