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Business Profile

Credit Union

La Capital Federal Credit Union

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 5 total complaints in the last 3 years.
  • 0 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:06/14/2024

    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 am not liable for this debt with LA Capital Federal CR UN, I do not have a contract with LA Capital Federal CR UN, they did not provide me with the original contract as I requested.

    Business Response

    Date: 06/20/2024

    Research was completed and La Capitol Federal Credit Union mailed a response letter on 2/23/24 with copies of requested loan contracts. A duplicate response letter was mailed on 6/17/24 with copies of requested loan contracts.

  • Initial Complaint

    Date:04/04/2024

    Type:Customer Service 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.
    Within the past year I have been asking this company to send me proof of validation for both accounts #*******L0003 as this is reporting inaccurately and being "updated". If these accounts were reporting accurately initially, there would be no need for updating inaccurate information. After speaking with an attorney, I was able to get more insight on my consumer rights. I am looking to purchase a home and desperately contacted this company to pay these accounts despite my rights and after learning that the accounts will only be "updated", I felt I was in an very unfair situation, what do you do when your back is against the wall? I got educated and I am asking that this debt be verified or removed from my credit report.Please send to me HOW THIS WAS VERIFIED, do not send any delay letters.Provide me with the following:1. Full Accounting of the accounts 2. Every Charge and what was purchased, fees, payments, credits and interest 3.How you calculated what you claim I owe 4. Full chain of assignments from charge off to present 5. Contracts with my signature and/ or 6. 1099 If you cant provide me with sufficient proof as listed above, then you MUST DELETE the above accounts from all three credit reports asap. According to FDCPA 809(b) furnishing, verifying and updating is considered collection activity. If you verify the inaccuracy from credit bureaus without providing me with all items listed, you will be in violation.15 USC 1681s-2 I await a response

    Business Response

    Date: 04/12/2024

    Research was completed and member was contacted directly through email. Waiting on reply.

  • Initial Complaint

    Date:02/16/2024

    Type:Billing Issues
    Status:
    Resolved
    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 not liable for this debt with LA Capital Federal Credit Union, I do not have a contract with LA Capital Federal Credit Union, they did not provide me with the original contract as I requested.

    Business Response

    Date: 02/26/2024

    Research was completed and La Capitol Federal Credit Union mailed a response letter on 2/23/24 with copies of requested loan contracts. 

  • Initial Complaint

    Date:02/05/2024

    Type:Customer Service 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 have been with La Capitol Federal Credit Union since 2008 never had an issue until this past December 2023 to this current day. I had experienced some financial difficulties and communicated this to the bank. The communications of concerns somehow ended with me being blocked from managing my account on-line, which I am okay with that. I asked for postal mail notifications to resolve any financial matters pending with, no result. I have gone to the bank and have encountered lack of assistance. I am trying to avoid this account being reported as delinquent to the credit bureaus. I am unsure of how much I owe in accuracy. I have made affordable payments regardless of the circumstances to avoid any legal matters. Because of the multiple accounts linked to the bank/account this has caused me creditability issues, as well as financial hardship.Every time I call the number to their assistance line; I am giving information that still does not resolve the matter.I just want to be contacted via mail and in writing and given the opportunity to resolve all matters so I can close this bank account.

    Business Response

    Date: 02/13/2024

    Research was completed and La Capitol Federal Credit Union has spoken to member by phone, in person, and through the mail. Member received copy of letters of notification that were sent to her previously, in regards to her checking account. Additionally, a response was both emailed and mailed along with copies of her **** credit card statements on 2/9/2024.

  • Initial Complaint

    Date:11/06/2023

    Type:Billing Issues
    Status:
    Resolved
    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 10/03/23 I was involved in a no fault accident. On 10/04/2023 I notified my lien holder La Capital federal credit union about the accident and the possibility of the vehicle being a total loss. On the same day (insurance advance collateral protection insurance) in the amount of $3,482.00 was added to my loan balance. I've contacted the bank multiple times since 10/06/2023 and spoke with ***************************** in collections. She kept telling me that there was no insurance collateral added to my auto loan balance. However in my account portal it shows the date and amount of the advance insurance collateral that was added. I spoke to ******** again this am an instead of her trying to hear my concern and find a resolution to the problem she refused to answer any questions and hung up. I called back and she also refused to provide her supervisor or managers name. I sent a message via the online portal requesting a call to discuss the advance insurance collateral. I then received a call from representative ******* who stated the insurance collateral was added. She stated my auto insurance sent a check to them which went towards the advance insurance collateral and the remaining went to the balance of my auto loan. On 09/22/203 my auto loan balance was $21, ****** with a monthly payment of $486.42. Then on 10/04/2023 my auto loan balance increased to $25,002.52 with an increased monthly payment of $1,553.16 being due on 10/12/2023 due to the advanced collateral insurance of $3,482.00 being added. This is not the 1st time this has happened with my auto loan with this bank. The 1st time this happened I kept receiving calls from there collection department threatening repossession if the advance collateral insurance was not paid. It took them almost 6 weeks to refund the money to my account after there 3rd party insurance verification proved to be incorrect and they called to verify with my auto insurance company that I had insurance coverage the entire time with no lapse.

    Business Response

    Date: 11/10/2023

    Research was completed and La Capitol Federal Credit Union's Director of Loan Servicing and Collections has spoken with the member and resolved the issue.

La Capital Federal Credit Union is NOT a BBB Accredited Business.

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