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Business Profile

Credit Union

United Federal Credit Union

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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United Federal Credit Union has 12 locations, listed below.

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    Customer Complaints Summary

    • 25 total complaints in the last 3 years.
    • 3 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:10/09/2024

      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.
      Attempted several times to have my name deleted from this account. I have mailed a Police Report from the ******************* verifying I never had any business transactions with this credit union. I don't owe this credit union zero dollars for any transaction or lack there of. I was told by the credit union I had to send the police report stating this was not my account. I did as instructed but still getting bill for the account.

      Business Response

      Date: 10/19/2024

      October 19, 2024


      Dispute Resolution Department
      *********************
      **********************

      Regarding: Consumer Complaint Case No. 22403338

      We are responding to the above noted complaint. 

      United has successfully resolved *** ******* concerns.

      We are happy to discuss any additional details with *** I*****. He can reach us at ***************

      Sincerely,


      United Federal Credit Union 

      Customer Answer

      Date: 10/21/2024

       
      Complaint: 22403338

      I am rejecting this response because :No explanation of action(s) taken by the business provided as evidence that the matter has been resolved.   

      Sincerely,

      ****** ******

      Business Response

      Date: 10/29/2024

      October 29, 2024


      Dispute Resolution Department
      *********************
      **********************

      Regarding: Consumer Complaint Case No. 22403338

      We are responding to the above noted complaint.

      United has successfully resolved *** ******* concerns and provided communication in a letter dated October 17, 2024.

      If *** I***** has not received the letter, or would like to discuss any additional details, he can reach us at ***************.

      Sincerely,


      United Federal Credit Union 

      Customer Answer

      Date: 10/29/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      ****** ******

      Customer Answer

      Date: 11/13/2024

       
      Complaint: 22403338

      I am rejecting this response because: I have attempted to have the identity theft membership removed from all credit reporting files. I received a letter from United Federal Credit Union stating the account had been deleted from their file and a notification had been mailed on October 17, 2024 to ChexSystems dated September 18, 2024 stating: to have the associated consumer inquiry removed from consumer reporting. Today, I contacted ChexSystems Customer Relation, POC: ***** and was notified this action has not been taken as of today. I need this false information removed, in that, it will have a negative impact on my credit record. This has taken too much of my time to insure this action to be finalized . I need documentation from all parties of this complaint being completed for my file.

      ****** ******

      Business Response

      Date: 11/25/2024

      November 25, 2024


      Dispute Resolution Department
      *********************
      **********************

      Regarding: Consumer Complaint Case No. 22403338

      We are responding to the above noted complaint.

      United has reviewed *** ******* concerns and determined all necessary action by United has been completed.

      We are happy to discuss any additional details with *** I*****. He can reach us at ***************.

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:10/08/2024

      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.
      Previous old debt from PPL Gold Credit union was sold to this bank (under my maiden name ******* *********). This new bank now ***orted a debt from 2018 (WHICH WAS INCLUDED In my already granted and dismissed bankruptcywhich was also PREVIOUSLY REPORTED TO GOLD CRDIT UNION!!!!) as a NEW debt as of 08/24/2024. They also ***orted this debt to *********** and other credit agencies and shouldnt. They also ***orted to *********** that I recently ordered checks for this account which I did not. When I call the branch I was told it was ordered in error but it appears the bank did that so they can reclose the account so show this is recent debt. I contacted United today and offered my bankruptcy information to a *** name ***** who said hed forward it to the lost prevention department but provided me no explanation as to HOW AND WHY the systems reopened this debt which is unethical. When you buy a debt from a company it doesnt allow nor authorize you to open order checks etc. I NEVER AUTHORIZED THEM TO ORDER NEW CHECKS. This account was included in my chapter 7 and should NEVER be ***orted to chexsystems as a debt owed yet alone as an abuse account. Now I am unable to successfully apply for my mortgage until this is corrected and REMOVED FROM ALL REPORTING AGENCIES. Falsely ***orting old debt as new!!! May also ***ort this to the **** is this is not resolved in a timely manner

      Business Response

      Date: 10/11/2024

      October 11, 2024


      Dispute Resolution Department
      *********************
      **********************

      Regarding: Consumer Complaint Case No. 22394831

      We are responding to the above noted complaint. 

      United has successfully resolved Ms. ***** concerns.

      We are happy to discuss any additional details with Ms. ***** She can reach us at ***************

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:08/25/2024

      Type:Service or Repair 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 had UFCU assume the loan on two vehicles, purchased at different times, from a buy here pay here dealership. The accounts were separate loans starting June 2019. My first vehicle was paid off in February 2023. UFCU sent me the title to my vehicle that I was still making payments on. I informed UFCU of their error and asked for my correct title. They informed me that I had to return the title they mistakenly sent, and they would send the correct one. I informed them that this was NOT acceptable, and I would only return the title once I had the correct one, Even if I would have illegally did something with the wrong title, they had all the legality necessary to pursue me if I did that. June of this year, I had an offer of $12,000 for the car that was paid off. I informed the purchaser that I was having title issues and turned the incorrect title into UFCU ****** Lakes. The manager, *****************************, told me he would have the issue resolved immediately. I heard nothing for 2 weeks from UFCU. The purchaser of the car backed accusing me of illegally trying to sell my car because I didn't have the title. I recently made several calls to UFCU and they informed me that the did send the title and the United ********************* "lost it in the mail". I have lost $12,000 in the potential sale of the car and still do not have a title. A lot of excuses but no title.

      Business Response

      Date: 09/04/2024

      September 4, 2024


      Dispute Resolution Department
      ******************************************************************************************

      Regarding: Consumer Complaint Case No. 22193642

      We are responding to the above noted complaint. 

      United has resolved Mr. ******* concerns.

      We are happy to discuss any additional details with Mr. ******* He can reach us at ***************

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:07/01/2024

      Type:Product 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've been banking with United Federal Credit Union for almost 40 years. May 14th I noticed 21 fraudulent charges to my checking account. **** returned $5,000 of the fraudulent charges they allowed to happen. I would like the $2,300 of my money that they allowed to be stolen from my account. They have been very uncooperative, unhelpful, uninformative and rude during the investigation. I hope that others see this and consider doing business with other credit unions so they do not have their money stolen

      Business Response

      Date: 07/11/2024

      July 11, 2024


      Dispute Resolution Department
      ******************************************************************************************

      Regarding: Consumer Complaint Case No. 21929359

      We are responding to the above noted complaint. 

      United has successfully resolved Ms. ******* concerns.

      We are happy to discuss any additional details with Ms. ******* She can reach us at ***************

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:03/28/2024

      Type:Product 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.
      United Federal Credit Union -CREDITOR HAS VIOLATED THE **** REGULATION V/ **** SECTION 623(A)(7).- DUTY TO PROVIDE THE CUSTOMER WITH WRITTEN NOTIFICATION ABOUT THE INSERTION OF NEGATIVE INFORMATION AFTER 30 DAYS OF ITS INSERTION. I HAVE NEVER RECEIVED SUCH NOTIFICATION FROM CREDITORS IN THE PAST OR PRESENT. IF THE CREDITOR FEELS THAT THEY HAVE SENT ME PROPER WRITTEN NOTIFICATION WITHIN THE LEGALLY ALLOTTED TIME FRAME ACCORDING TO FEDERAL LAW, THEN I AM REQUESTING A COPY OF THE CERTIFIED RETURN RECEIPT BEARING MY NAME AND SIGNATURE ON IT. IF THE CREDITOR CANNOT PRODUCE THE REQUESTED DOCUMENT MENTIONED ON TIME, I AM REQUESTING IMMEDIATE DELETION OR I WILL NOT HESITATE TO START LITIGATION TO SEEK MONETARY DAMAGES FOR NONCOMPLIANCE AND CIVIL LIABILITY.

      Business Response

      Date: 04/05/2024

      April 5, 2024


      Dispute Resolution Department
      *****************************************************************************

      Regarding: Consumer Complaint Case No. 21497624

      We are responding to the above noted complaint. 

      United has submitted correspondence to Mr. ****** regarding this complaint. Mr. ****** should communicate with United directly and can contact us at **************.

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:01/29/2024

      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.
      Violation of the Fair Credit Billing Act.

      Business Response

      Date: 02/08/2024

      February 8, 2024


      Dispute Resolution Department
      *****************************************************************************

      Regarding: Consumer Complaint Case No. 21215944

      We are responding to the above noted complaint. 

      United has successfully resolved Mr. ***** concerns.

      We are happy to discuss any additional details with Mr. ***** He can reach us at ***************

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:01/17/2024

      Type:Billing Issues
      Status:
      Unresolved
      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 bank does not handle my mortgage loan very well. I set the direct mortgage payment with the Bank manager several times to withdraw the monthly payment from my Welsagargo account but still every month they make mistakes and my payment is not paid every month and they have to send it to the collection. Also, the bank has made several mistakes in all my accounts and I have requested an official audit because of all those errors that were conducted by this shady bank.

      Business Response

      Date: 01/26/2024

      January 26, 2024


      Dispute Resolution Department
      *****************************************************************************

      Regarding: Consumer Complaint Case No. 21158882

      We are responding to the above noted complaint. 

      United has been in contact with Mr. ***** regarding this complaint. Mr. ***** should continue communicating with United directly and can contact us at **************.

      Sincerely,


      United Federal Credit Union 

      Customer Answer

      Date: 02/07/2024

       
      Complaint: 21158882

      I am rejecting this response because:The Marketing manager called and trying to offer me a gift card to buy a dinner which I felt this humiliation instead of apologizing  and fixing the errors bank issues offering me a gift card. I also went to the branch trying fix the due date of a direct deposit withdraw from my Wellsfargo account into FCU mortgage account. The branch manger said the bank will not withdraw the mortgage if the dates fallen under weekend or national holidays, which it kind odd as this the first time I had this with any bank or mortgage companies.  I also noticed that the bank charged me a late fee as well as charged me twice for mortgage of  the month of January 2024. I also requested in writing via email to the branch a full audit to all my accounts and report to be send by mail to my address  but no one confirming  if they do so?


      Sincerely,

      *********************

    • Initial Complaint

      Date:12/19/2023

      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.
      According to 15 U.S.C. **** (A)I have the right to 100% accuracy on my credit report.Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

      Business Response

      Date: 12/25/2023

      December 25, 2023


      Dispute Resolution Department
      *****************************************************************************

      Regarding: Consumer Complaint Case No. 21027719

      We are responding to the above noted complaint. 

      United has submitted correspondence to Mr. **** regarding this complaint. Mr. **** should communicate with United directly and can contact us at **************.

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:11/07/2023

      Type:Order 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.
      Multiple requests sent in writing for original documentation of the loan from 11/1/2017. Loan number is ************ to be mailed out to me. As a consumer my requests have been ignored. Per the Fair Trade Practices act that is deceptive or practices affecting commerce.

      Business Response

      Date: 11/13/2023

      November 13, 2023


      Dispute Resolution Department
      *****************************************************************************

      Regarding: Consumer Complaint Case No. 20840600

      We are responding to the above noted complaint. 

      United has made attempts to contact Ms. ******* to discuss this request, unfortunately, our attempts have been unsuccessful to date. Ms. ******* may contact United directly at ************** to discuss.

      Sincerely,


      United Federal Credit Union 

    • Initial Complaint

      Date:10/23/2023

      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.
      I sent a payment to a united fcu credit card electronically via chase bank and United said they never received the payment but ***** has receipt of payment. I submitted receipt of payment through the chase app and United won't accept it

      Business Response

      Date: 11/01/2023

      November 1, 2023


      Dispute Resolution Department
      *****************************************************************************

      Regarding: Consumer Complaint Case No. 20771819

      We are responding to the above noted complaint. 

      United has successfully resolved Ms. ****** concerns.

      We are happy to discuss any additional details with Ms. ****** She can reach ** at ***************.

      Sincerely,


      United Federal Credit Union 

    United Federal Credit Union is NOT a BBB Accredited Business.

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