Credit Union
Digital Federal Credit UnionHeadquarters
Important information
- Customer Complaint:BBB with the use of artificial intelligence, analyzed the complaints on 6/26/24
BBB shared the findings and recommendations with Digital Federal Credit Union.
The findings appeared to show:
Frustration with Billing and Collections:
Frequent issues suggest customers are experiencing problems with account management, fees, or debt collection practices
Service Quality Concerns:
Recurring service-related complaints indicate dissatisfaction with the credit union's core offerings
Repair and Technical Issues:
Suggests problems with online banking, mobile apps, or other technical services
Customer Service Dissatisfaction:
Implies some customers feel their concerns are not adequately addressed
Digital Federal Credit Union on 7/21/24 responded to BBB with:
In addition to the frustration members may have with billing and collections and the service quality concerns
noted above, the BBB customer complaints analysis and recommendations report notes other trends including problems with online banking, mobile apps, or other technical services.
DCU has just integrated a new phone system and we are continually updating our digital banking and mobile
banking applications to meet the demands of today’s digital banking customer.
DCU is consistently reviewing our systems to ensure that we can deliver services that meet or exceed our Members’ expectations.
DCU maintains a complaint management program that ensures that each BBB complaint and other complaints are investigated and analyzed.
All fees and charges on billing statements are disclosed as required by state and federal law and regulation.
As part of our complaint management program, DCU reviews trends, spotlights and escalates issues, such as process breakdowns, inefficiencies, and system issues, and resolves such issues to prevent continuing negative impact to our members.
Complaints
This profile includes complaints for Digital Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 199 total complaints in the last 3 years.
- 73 complaints 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:04/18/2025
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.
I recently reviewed my credit report and discovered multiple inaccuracies regarding late payments reported on my account with ********************** EFCU (Account #**********). *** is reporting inaccurate late payment information on my consumer report. Experian incorrectly reports a 30-day late payment, TransUnion inaccurately reports three consecutive 30-day late payments for October, November, and December 2018, and Experian also incorrectly reports three consecutive 30-day late payments for November, December 2018, and January 2018. Additionally, ******* fails to reflect any payment history, which should instead show on-time payments. These errors violate the Fair Credit Reporting Act (FCRA) 623 (15 U.S.C. 1681s-2), which requires furnishers to ensure accuracy when reporting consumer data. I request immediate correction of these inaccuracies, the deletion of all incorrect late payment notations, and verification of compliance with 15 U.S. Code 1666b regarding periodic statement delivery. I have attached supporting documentation highlighting these errors and request resolution within 15 days.
Business Response
Date: 04/21/2025
To Whom It May Concern:
We reviewed the complaint submitted by ********* ***** concerning his credit reporting.
We have thoroughly investigated this matter and determined that ******************** loan (L141) is being reported accurately per Fair Credit Reporting Act (FCRA) regulations.
On April 21, 2025, a Credit Report Direct Dispute Notice of Resolution was mailed to Mr. ******* home address and should arrive within seven business days.
We consider this matter resolved.
Sincerely,
*** Member ResolutionsInitial Complaint
Date:04/10/2025
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.
I am reaching out because I recently disputed this account on my ********************** report because you reported it as 30 days late however I have never been late on this account I even reached to your company and your company responded back with a letter to proof my claims however . TransUnion and Equifax is still reporting this as a late payment on my account after they already removed it . I need this account updated as in time never late paid and closed immediately this has affected my credit report so. Am taking this matter very seriously!! I will attach the letter I got from your company supporting my claims !! Account #********************************* FED CREDIT UNIBusiness Response
Date: 04/16/2025
To Whom it May Concern,
We reviewed the complaint submitted by ***** ******** concerning Credit Bureau Reporting.
Please note if any updates are made to the Credit Bureaus it may take 30 days to reflect from the date the update was requested.
Sincerely,
*** Member ResolutionsCustomer Answer
Date: 04/16/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
I am rejecting this because there was an update which the late payment was removed however you guys added it back on my report and I need it removed immediately!!!
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,*****
Business Response
Date: 04/23/2025
Tell us why here...To Whom It May Concern,
We reviewed the rejection response submitted by ***** ******** concerning late credit reporting.
DCU thoroughly investigated this matter and sent ***** ******** a Notice of Resolution on April 3, 2025. As explained in the Notice of Resolution Letter, any corrections *** may have submitted can take up to 30 days or more to be updated by the credit reporting agencies.We consider this matter to be resolved.
Sincerely,
*** Member ResolutionsInitial Complaint
Date:04/09/2025
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.
I am submitting this complaint to formally request your assistance with resolving an issue I am experiencing with Digital Federal Credit Union (DCU) regarding a retroactive loan payment increase that was applied without timely or adequate notice after force-placed insurance (Collateral Protection Insurance or CPI) was adjusted on my auto loan,On March 18, my monthly payment unexpectedly increased from around $615 to $747.31. I received no advance notice of this change. The only letter referencing the new amount was dated March 27 after the due date and it was DELIVERED AT POST OFFICE ON April 7, according to **** own ***************** a recorded phone call with ***, the representative:Confirmed the increase was applied to my March 18 payment.Admitted no prior notice was given.Could not provide any documentation showing that I had been properly notified in advance.Apologized and acknowledged that the letter had been sent far too late.The March 27 letter stated that my payment would increase on the next scheduled due date. That date should have been interpreted as April 18, not retroactively March 18 especially since the letter was mailed almost three weeks after that payment was already due.This failure to notify me in advance caused confusion, disrupted my finances, and placed me in a position where I could not reasonably comply with my loan **************** ************************ Transfer Act (EFTA): Requires at least 10 days notice if recurring payments will vary in amount.Georgia Fair Business Practices Act (FBPA): Prohibits unfair or deceptive practices such as applying charges without notice and then mailing a vague explanation afterward.Implied Covenant of Good Faith and Fair Dealing: While *** had the right to recover CPI charges, they had a legal duty to act fairly and communicate in good faith, which they did ******: I CANNOT ADD RECORDINGS BUT I WILL LIKE FOR SOME ONE TO LOOK OVER.Business Response
Date: 04/10/2025
To Whom It May Concern:
We reviewed the complaint submitted by Shakiris ****** concerning the loan payment increase associated with Collateral Protection Insurance (CPI) with Digital Federal Credit Union (DCU).
The Complainant also submitted this complaint to DCUs ********** regulator, the Consumer Financial ***************** (****), on April 9, 2025. As such, *** will be supplying a response directly to our regulator.
Sincerely,
*** Member ResolutionsCustomer Answer
Date: 04/10/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
Better Business Bureau: I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
To Whom It May Concern,
I am rejecting DCU's response because it does not address the core issue of my complaint:
I was not properly notified of the loan payment increase before it was applied to my March 18, 2025, due date.
The letter explaining the payment increase was dated March 27 and mailed on MARCH 27 well after the due date had passed. In a recorded call, a *** representative confirmed:
The increased amount was applied to my March 18 payment.
I had not been informed prior to that due date.
They could not provide any documentation showing advance notice.
This is a direct violation of federal consumer protection laws, including:
The *************** Transfer Act (EFTA), which requires 10 days notice before changing automatic payment amounts.
The Truth in Lending Act (TILA), which requires advance notice of changes in loan terms.
And potentially Georgia's Fair Business Practices Act, due to lack of transparency and unfair treatment.
My concern is not about owing the amount related to CPI it is about **** failure to notify me properly before adjusting my loan payment. This failure has affected my financial planning, caused unnecessary confusion, and damaged my trust in DCUs practices.
I respectfully request:
A formal written acknowledgment of the failure to notify me in advance.
A full refund of the $147.31 improperly applied to my March 18 payment without notice.
Removal of any negative marks or late fees caused by this mishandling.
If applicable, an internal review and policy correction to prevent this from happening to other members.
I am continuing to speak with legal counsel and will pursue further action if needed. Thank you for your attention to this serious matter.
Sincerely,
Shakiris ******
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.Business Response
Date: 04/14/2025
To Whom It May Concern:
We reviewed the rejection response submitted by Shakiris ****** concerning the loan payment increase associated with Collateral Protection Insurance (CPI) with Digital Federal Credit Union (DCU).
The Complainant also submitted this complaint to **** ********** regulator, the Consumer Financial ***************** (****), on April 9, 2025. As such, *** will be supplying a response directly to the member and our regulator.
Sincerely,
DCU Member ResolutionsInitial Complaint
Date:03/31/2025
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.
I am a victim of fraud. I never did any business with this company. I am asking to remove the inquiry appear in my creditaccountASAP. Date inquired was 03/01/2025Business Response
Date: 04/03/2025
To Whom It May Concern:
We reviewed the complaint submitted by **** ******* concerning an Identity Theft Claim.
We have thoroughly investigated this matter and found no evidence to support Mr. ******** identity theft claim. On April 4, 2025, our *************************** will be mailing a letter to Mr. ******* explaining the outcome of our investigation and his next steps should he wish to pursue this claim further. Should Mr. ******* have any questions when he receives the letter, please call our *************************** at ************ (Monday through Friday, 8 AM -5 PM).
We consider this matter resolved.
Sincerely,
DCU Member Resolutions
Initial Complaint
Date:03/24/2025
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.
The business dealings of digital federal credit union has been an horrible experience, my account is locked no access to my money , have yet to finalize my approval for my boat loan , but for some odd reason Im being treated like a criminal. No one is telling me nothing about my account all Im getting is long hold times and bad attitudes.Business Response
Date: 03/25/2025
To Whom It May Concern:
We reviewed the complaint submitted by ****** ******* (Complainant)concerning access to his account with ********************** (DCU). The Complainant also submitted this complaint to **** ********** regulator. As such, *** will be supplying a response directly to the Complainant and our regulator.
Sincerely,
Member ResolutionsCustomer Answer
Date: 03/25/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Initial Complaint
Date:03/21/2025
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.
I purchased a car for my son at a dealership in *********** two years ago. The bank loan is with DCU Federal Credit Union. I purchased *** during the transaction. The company is *** and the paperwork says we assigned it to ***. My son totaled his car. I reported it to the bank and they gave me the steps to follow. The car insurance sent the check for their part as a total loss check. They sent my son back is his payments from date of loss because we had gap. A year later I received a car loan payment saying I still owe 6000 on it. After visiting the bank they said it was not their responsibilty to file the claim that the dealership has paperwork on the gap. They are saying even if they were assigned the gap it was indirect and not their responsibility. A year ago this is not what they told me and that my gap would take care of it. Why wait a year to notify me? Now it is past the claim time. Why would the dealership who no longer owns the car be responsible for the claim? I received so many different answers that no one can help me with. I would like the loan resolved that the car insurance did not cover. They knew the car was a loss over a year ago. The communication is terrible. I did call the dealership and all they can help me with is that I purchased it and they assigned it to the bank with the loan paperwork. I also need staright answers so I can help other consumers in my situtaion.Business Response
Date: 03/27/2025
To Whom It May Concern,
We reviewed the complaint submitted by ****** Law regarding the Guaranteed Asset Protection (***) insurance obtained through the dealership.
After a thorough investigation, we found the dealership responsible for the vehicle purchase was obligated to file the *** claim on ******** behalf. We understand and empathize with ******** frustration throughout this process; however, because our Loan Research Team did not receive any documentation from the dealership pertaining to her *** claim, we cannot proceed with Staceys request.
We consider this matter as resolved.
Sincerely,
DCU Member Resolutions
Customer Answer
Date: 03/27/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
[You must provide details of why you are not satisfied with this resolution. If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,******
Initial Complaint
Date:03/16/2025
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.
I am not liable for this debt with DIGITAL FED CREDIT UNION, I do not have a contract with DIGITAL FED CREDIT UNION, They did not provide me with the original contract as I requestedBusiness Response
Date: 03/24/2025
To Whom It May Concern,
We reviewed the complaint submitted by Sauvens ********* concerning his Digital Federal Credit Union (DCU) **** credit card and Personal Loan.
We investigated this concern thoroughly and determined that Mr. ********* applied for a DCU **** Credit Card and Quick Loan on October 19, 2021. The applications were submitted securely through ************************** App behind his username and password, solidifying that he is responsible for the unpaid debt.
On October 25, 2021, Mr. ********* signed the Loan and Note Agreement for the Personal Loan and agreed to pay back the loan.
Since the Credit Card application process is electronic, we do not have a physical paper application with his signature. However, the written statement on the back of the DCU **** credit card he was issued and utilized states, By retaining this card, the holder agrees to all terms under which it was issued. Anyone who uses or authorized anyone else to use this card agrees to repay all charges incurred, according to the Credit Unions **** Agreement, including any future amendments made to it by the Credit Union. The utilization of this card consummated the expected repayment agreement of the loan.
A letter detailing the documentation to validate this debt was sent via Federal Express with Direct Signature Required on March 20, 2025, via tracking # ********************* was confirmed on March 24, 2025.
We consider this matter resolved.
Sincerely,
*** Member ResolutionsCustomer Answer
Date: 03/31/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered.
I understand that you have indicated the reliance on electronic proof of the debt; however, I would like to reiterate my demand to have this account deleted & correction to my credit report. Your method of verification does not authenticate nor ensure any of the transactions made were by me. According to statistics, for four of the past five years, credit card fraud has been the most common type of identity theft in *******. Being that the credit card application was electronic & you dont possess a physical paper application with my signature as you stated in your response to my complaint, its impossible to say this debt belongs to me. If you guys looked at the payment summaries across all the different consumer reporting agencies youd see the past due dates are not the same. This violates my rights regardless for accuracy under the The Fair Credit Reporting Act (FCRA), codified at 15 U.S.C. **************************** initially, I demand for this to be removed from credit report.
Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
FAQ
Regards,Sauvens
Business Response
Date: 04/07/2025
To Whom It May Concern,
We reviewed Sauvens Derosierss rejection response concerning their debt with Digital Federal Credit Union (DCU).
As noted in our previous response, DCU thoroughly investigated this matter and, on March 20, 2025, sent Mr. ********* a Validation of Debt packet, which was successfully delivered and signed for on March 24, 2025. *** has followed all proper channels while investigating the request to remove debt, and there is no further recourse *** can take regarding this matter.
We consider this matter to be resolved.
Sincerely,
*** Member ResolutionsInitial Complaint
Date:03/16/2025
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.
I had filed a dispute with this credit union for a measly *****. Considering I've been a member since 2012, had paid off car loans and personal loans ...never late, I thought they would actually look into the dispute ..they did not. I was sent a pdf letter stating that a Ms. ****** denied the dispute based on the fact it was valid. Yes, I paid for a service ..however I never received it. I called their toll free number asking about this...they asked if I received the information from ****** on what the company sent...where she would state it was delivered when it wasn't. I did email her after hours and asked for the information that I still want from her. I've had another issue with ******* and had to come here through the bbb get it resolved as dcu couldn't care less. The fact you're treated as an individual trying to defraud this credit union is absurd. I will be closing my accounts and I'll take my 118K that I have at that credit union and put it into my other bank *********** as they do treat their customers so much better. I want the info you supposedly got from the merchant Rapidsend for the amount of ***** and I want to know if I can close my accounts by phone or online because I'm ******* the way, I'm attaching the email where they didn't send the service as they claimed the link didn't work so that it is on record that K ****** that works in disputes knows I know she never looked into this as she would have supplied what she got from them INITIALLY when she denied it like a normal credit union or bank would.Business Response
Date: 03/19/2025
To Whom It May Concern:
We reviewed the complaint submitted by ****** ******* concerning their **** Debit Transaction Dispute with Digital Federal Credit Union (DCU).
The Complainant also submitted this complaint to **** ********** regulator, the Consumer Financial ***************** (CFPB), on March, 18, 2025. As such, *** will be supplying a response directly to our regulator.
Sincerely,
*** Member ResolutionsCustomer Answer
Date: 03/20/2025
Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********.
There is no reason why they can't supply an answer here unless they have to think of one. Either /or... I have pulled my 119k out of this incompetent institution and will close out after a check clears both checking and savings. No further responses will be looked at by this credit union by me.
Regards,Briana
Business Response
Date: 03/25/2025
To Whom It May Concern:
We reviewed the rejection response submitted by ****** ******* (Complainant) concerning a transaction dispute with Digital Federal Credit Union (DCU). The Complainant also submitted this complaint to **** ********** regulator. As such, *** will be supplying a response directly to the Complainant and our regulator once our investigation is complete.Sincerely,
*** Member ResolutionsInitial Complaint
Date:03/10/2025
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.
Hello DCU. I am opening an another BBB again since I didnt get any right response on my previous case. I have such a terrible thing happened to my current loan. I was with *** car loan before too for almost 5 years I paid on time. for the new Car I went with *************** and then *** offered better rates So I refinance with *** again since I am familiar with the process and all and I so my transferred my loan from *** to *** then there was title messed up and didnt went to *** and something I keep communicating with DCU that I am not aware of this and one time *** stated they the recieved the title and I still have all mail and email about it and then later again after 2 months *** stated they didnt recieved anything the title and they start charging ***** APR by default they dont recieve it and then called *** about it and went to my DMV and then sorted out and applied for an another Lien title as DCU holder and I mailed and faxed the forms as stated and then I tried to make the payment it didnt let me it keep erroring out and i tried one time payment and i tried auto pay and then tried calling setup payment nothing worked when I called *** no one told me that i can pay with speed pay or whatever its is you can pay debit card and now credit is showing one time payment missed. this is clearly *** over here that making me run dmv and stated all false they recived didnt give me right instructions. I requested and please remove the missed the payment on history as courtesy of loyal and you can check my previous its paid on time without any late payments. I kindly please request you guys remove this biggest help.Business Response
Date: 03/12/2025
To Whom It May Concern:
We reviewed the complaint submitted by ***** ***** ***** ******* concerning credit reporting.
We have thoroughly investigated this matter on several occasions and determined that Mr. ******** auto loan with Digital Federal Credit Union (DCU) is being reported accurately. The late credit reporting for December 2023 is accurate. When Mr. ******* made his November 29, 2023 payment, he did not have sufficient funds in his account, and the payment was returned.
The option to use our free, self-service portal is available to all of our members and can be found at the top right corner of our homepage,***********. Anyone can use this option; you do not need to be logged into your account to utilize it. Regardless of how Mr. ******* makes his loan payments,he is responsible for timely payments. If the electronic option was no longer available to him and he was unaware of our free, self-service option, he could have mailed a check or paid in person at a local Shared Branch.
Under the Fair Credit Reporting Act, we can only remove a credit inquiry if it resulted from a DCU error. Since we are legally obligated to accurately report Mr. ******** payment history, the late credit reporting cannot be removed.
We consider this matter resolved.
Sincerely,
DCU Member Resolutions
Initial Complaint
Date:03/09/2025
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.
I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.Business Response
Date: 03/14/2025
We reviewed the complaint submitted by ******* ****** regarding inaccurate information being reported on their credit report. We thoroughly investigated this concern and determined that ******* ******** loan account was being reported inaccurately with TransUnion. On March 13, 2025, *** sent a notification to TransUnion to have the inaccurate information updated. Please be aware that it can take TransUnion up to 30 days to update their records.
A letter detailing the documentation confirming our findings was sent via Federal Express (Direct Signature Required) on March 13, 2025. We consider this investigation concluded.
Sincerely,
*** Member Resolutions
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