Complaints

This profile includes complaints for First Community Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  First Community Credit Union

  17151 Chesterfield Airport Rd Chesterfield, MO 63005-1411

  
• 

  First Community Credit Union

  PO Box 1030 Chesterfield, MO 63006

• 

  First Community Credit Union

  400 Junction Dr Glen Carbon, IL 62034-4323

  
• 

  First Community Credit Union

  2120 S State Route 157 Glen Carbon, IL 62034-1720

  

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.

• Initial Complaint

  Date:06/24/2025

  Type:Billing Issues
  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 received two back-to-back emails about pending charges on my **** **** debit card, that I didn't make. One charge was for $52.94, and the other was for $52.93, both from merchants in *****/*********. I called my customer service number that day, and had my card frozen. I stopped by a **** branch the following day, to file a dispute. They were able to block the $52.94 transaction. However, they were unable to do anything about the $52.93 transaction at that time - claiming that it hadn't posted, yet (the branch *** told me that it might just "fall off." I was told to check my account in a couple of days - if the charge showed up in my account, I should come back in to dispute it. The charge did show up in my account a couple of days later. I returned to the branch later that week, and filed a dispute on the $52.93 transaction. On 6/23/2025, I received a letter in the mail stating that my dispute on the $52.93 transaction was declined. I called **** for more information, and was told by the ***resentative on the phone that **** performed an investigation and determined that the charge was "legitimate" - because the merchant provided a tracking number "proving delivery" of merchandise. I asked for the tracking number, and was told that **** does not have that information. The **** *** told me that this decision was out of their hands, and final. I called ****, and was told by their *** that **** does not perform fraud investigations - that is handled by the card issuer (****).

  

  Business Response

  Date: 06/25/2025

  We provided provisional credit during the investigation.  We did a chargeback to the merchant through
  Visa for this dispute and it was denied because they provided valid tracking
  information that the product was delivered to the address we have on file.
  Tracking number ZA00090749201. I have attached the tracking information and a
  screenshot of the tracking delivery. We mailed out this information to the
  member when the provisional credit was reversed. We spoke to the member on
  6/24/2025 and he did not ask about tracking information. He did ask for a phone
  number to call Visa and we told him that he would need to talk to us not Visa.
  He stated that this was a scam and that we needed to contact the post office
  and get a letter from them. We informed him that they would not provide us with
  anything as we are person that resides at the address where the product was delivered.
  We do not know specifically what was ordered. 
  It was run through pay pal and the merchant type is Arts, Crafts &
  Collectibles.  The seller email address
  is [email protected].
  Maybe it was some type of custom clothing.  If you would like to discuss further, please contact directly at 636-728-3333 ext. 1425

• Initial Complaint

  Date:05/15/2025

  Type:Service or Repair Issues
  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.

  May 10 2025 I can into the bank to do two things, deposit a check and get a cashier's check I handed the employee the check, he deposited it WITHOUT asking my name, checking my membership card, or seeing any ID. He gave me a paper back that showed my account balance. This means a stranger can deposit a little bit of money in my account and then be able to see all my information.I then asked for a cashier's check for $88,000. The employee DID NOT ask for an ID or verify that I'm the account holder. He handed me the check and I walked out with 88k. There was no process or anything to it.I am very concerned that in the future someone may steal my funds or someone else's since again there was absolutely no protocol followed.

  Customer Answer

  Date: 05/15/2025

   

  Location of incident :

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

  

  Business Response

  Date: 05/16/2025

  I understand your concern and appreciate you bringing this to our attention. After reviewing your transaction, I learned that the employee researched your account using your name and was able to positively identify you with your Driver License that we have on file, in addition to the address on the account matching the address of the *** This should have been communicated to you during the transaction, and I apologize that it was not. I have spoken to the staff about the importance of verifying identity and communicating thoroughly during all member transactions to better serve our members. 

  Customer Answer

  Date: 05/19/2025

  Complaint: 23329098
  
  I have reviewed the business' response and am rejecting it because: I never gave the employee my name. He assumed my name was the one on the check. Even though I could be depositing a check for someone else. He never asked to see my ID. He can not know who I was when I came in. I could have been anyone. 
  
  
  Sincerely,
  
  **** Frollova

• Initial Complaint

  Date:03/14/2025

  Type:Service or Repair Issues
  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.

  A couple years ago I bought a used b. MW for my dealership in ******** finance through first community credit union. I lost my job right before Christmas and I wasn't able to make the payments. And they almost doubled the payments when I miss one, and so I had to let the car go, they repoed it. And now they have the car and money even though i have nothing. I am trying to do my best being fully disabled. What am I supposed to do?

  

  Business Response

  Date: 03/17/2025

  This member took out their auto loan in December 2022 for almost $26,000. The member began having issues making on time payments in May 2023, the vehicle was ordered for repossession in February 2024 and after selling the vehicle in April 2024, First Community charged off the remaining portion of the loan, still over $20,000. 
  
  During the time the loan was open, the member failed to make on time payments, failed to make reasonable payments arrangements, allowed a third party to take possession of the vehicle and failed to maintain full coverage insurance on the vehicle.  In addition, when the collections department would reach out to the member in attempts to resolve the account, the member would frequently accuse representatives of harassment and wrongdoings, use foul language, threaten to sue and ultimately end the conversation without anything constructive being discussed. 
  
  Separately from the vehicle loan, this member also regularly expressed their dissatisfaction with the credit union's policies and procedures, had numerous issues with fraudulent activity on their accounts, and had several outbursts in credit union offices, including one where a weapon was present and local police enforcement needed to be called to defuse the situation and ****** member off the premises. 
  
  At this time, the member's account has been forwarded to our attorney's office for collection, if the member would like to reach out to them to discuss potential payment plans, they are welcome to do so. 

• Initial Complaint

  Date:03/08/2025

  Type:Billing Issues
  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 a credit card with First Community Credit Union. The account was charged off and sold to a collection agency in 2024. In August of 2024, I signed an agreement with the collection agency and make monthly payments for the total amount. However, First Community Credit Union continues to report charge off monthly with the incorrect balance. This is unfair being that I have a payment plan currently and the balance decreases monthly. This is lowering my credit score but most of all, ruining my life.

  

  Business Response

  Date: 03/11/2025

  This member's credit card was charged off in May 2024 and a file was opened with an attorney to collect the unpaid balance on First Community's behalf. The member agreed to start making payments through our attorney's office to avoid further collection activity. First Community has received five payments since this agreement was made, all of which have been applied to the credit card account and reflect on the statements generated,with no known discrepancies. The account will remain in charged-off status until paid in full. If the member believes there are errors being reported to the three major credit bureaus, a formal dispute can either be filed with the credit bureaus or directly through First Community, including a copy of their credit report and a detailed description of what is inaccurate. 

• Initial Complaint

  Date:03/04/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  In ******************************************************************* 2020 after pending litigation a settlement was reached on all accounts held with FC. I paid a lump sum 9/21/20 with ****** ******* It was my understanding per the agreement all accounts would be removed from my report. Despite multiple requests to date the acts remain. Up until now everything has been frozen with no updates since 9/2020. As of today my credit report with TU now reflects 10 additional late payments since the the settlement. EX reflects an additional 2. EQ reflects 43. Further more the account balances and payment history nor status are consistent amongst the reports.

  

  Business Response

  Date: 03/05/2025

  We have reviewed the request.  First Community will be removing all accounts from this members credit report. Updated credit should be available within 72 hours.

  Customer Answer

  Date: 03/06/2025

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ****** ******

• Initial Complaint

  Date:02/27/2025

  Type:Billing Issues
  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 lost my wallet ans the woman who closed it did not even ask me. She told me she was closing my account. I told her I did not want my account closed due to my tax return being due to being deposited. She informed me because my account was compromised I no longer had the choice for it to stay open. I was told that First Community Credit Union if I called DAILY, which I have done and was told every single day it was not in my closed account nor was it pending. Yet I call first thing in the morning as I have had to do every morning only to be told it was returned leaving me no way to pay my bills so we can keep a roof over our heads. I would like to report this issue because every employee i have spoken with assured me this would not happen. Because I was not allowed to have a choice. This is going to cost us our home.. Let me know if you need the *** verification because when I contacted them YESTERDAY, I educated them it showed me it was pending. I was asked not to call back later to check and wait till today also. I would be happy to provide that verification in this matter.

  

  Business Response

  Date: 02/27/2025

  On 2/27/2025, the $6,257 direct deposit was posted from *** Products into the closed account at 8:36:28 am and then were transferred into the open account at 8:36:52 am. The funds in the amount of $6,257 were deposited this morning from the tax return in the name **** ******.

• Initial Complaint

  Date:02/21/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 paid off a loan for a vehicle I had, and as soon as that happened i ended up having car issues. Someone ran into the back and totaled my car out. I notified the bank since they had a lien. They started to bill me for insurance that the car was made as a loss, I do not have it anymore. This happened in November of 2023 but the tacked on 1600 specifically for lack of insurance in March of 2024. This is after the car has been totaled. I tried calling and going in person to tell them what is going on, and they would not take the avadavat. I have no problem paying the loan off, that is fine, that is the process. But they need to credit the 1600 back to me, I had insurance when the car was perfectly fine. They still put the payments toward the 1600. Now this year they are doing it again with a new 1600, which I did not pay for. Now I am getting letters saying I&#**;m late, but I have paid the loan off, they keep adding the 1600s despite the car being at a loss, I had insurance when it was perfectly fine, and I no longer own the vehicle. Again, no worries about paying the loan, but I do not owe these 2 individual charges of 1600. I never stopped paying for the loan even after loss of the car and the additional 1600 thrown on. I had dealt with the Olivette location and on ******** in the *******.

  

  Business Response

  Date: 02/24/2025

  After reviewing the account, it does not appear that First Community Credit Union or its collateral protection insurance companies were ever notified that the vehicle was a total loss. There does not appear to be a settlement paid toward the outstanding balance and a letter of guarantee was never received from an insurance company. These are the two most common documents used to signify a vehicle is a total loss and used to submit to no longer track insurance requirement for the vehicles that we have open and active loans on. First Community Credit Union would be happy to submit for a full refund of insurance premiums that have been charged once we are able to verify the status of the vehicle in question. Please contact us at ************.

  Customer Answer

  Date: 02/25/2025

  Complaint: 22974524
  
  I have reviewed the business' response and am rejecting it because:
  
  
  
  Sincerely,
  
  ******* *****

  Customer Answer

  Date: 02/25/2025

  I am rejecting it because I need them to modify the balance of my loan. I need a credit of $1600 for lack of insurance on the vehicle and remove the second charge of $1600. 

  

  Business Response

  Date: 02/25/2025

  As stated previously, we need documentation and proof of the total loss.  Please contact us directly at ************.

  

  Business Response

  Date: 02/28/2025

  Thank you for providing the documentation.  The information has been submitted for a refund to the insurance carrier.  A refund of $3,240.00 will be credited to the loan balance by March 7, 2025.

  Customer Answer

  Date: 03/03/2025

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution as long as they send it to me on this date.
   
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:10/18/2024

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  Long story short, I submitted the skip-a-payment on my auto loan in August. They did not skip my payment and charged me anyways for September. I called them on 9/27 about that. They apologized and said the skip-a-payment would apply for my October billing cycle. October billing cycle came along, and I was indeed charged again via my auto-pay from my checking, and my payment was not skipped. So I physically go to a branch after this. First, the teller needed help from their manager because didnt know anything about the auto loan skip-a-payment program", Second, they called the loan center and said my skip-a-payment will apply now to my November billing cycle. I re-hashed the above history with them expressing some reservations :-) since....they said this last month and it didnt happen. I also established I was banking on this skip a payment to be processed correctly this time around in October (since they didnt do it correctly in September either, and said it would process correctly for October), and since they didnt skip the payment, this requires me to adjust my finances on the fly this month, and is an notable inconvenience to me.Rather than credit my checking account for the payment theyre supposed to have skipped but have missed, 2 months in a row now, I got Yes I understand. Im sorry. Thats it.

  

  Business Response

  Date: 10/21/2024

  There was an error made on our part and miscommunication between departments.  We contacted the member about the skip a pay issue and we are resolving it now and any fees and interest are reversed.

  Customer Answer

  Date: 10/22/2024

  Complaint: 22441035
  
  I have reviewed the business' response and am rejecting it because:
  
  Id like to observe the payment being put back in my PNC Checking account before I close this case. As of now, the payment has not been reversed and returned to my *** Checking account. After the deposit is observed via my *** account, Ill then be satisfied and close the case.
  
  Sincerely,
  
  ******* ******

  

  Business Response

  Date: 10/26/2024

  The payment should be back in your account.  Please confirm.  Thank you!

  Customer Answer

  Date: 10/28/2024

  Better Business Bureau:
  
  I have reviewed the business' response regarding complaint ID ******** and am satisfied with this resolution. 
   
  Sincerely,
  
  ******* ******

• Initial Complaint

  Date:10/08/2024

  Type:Service or Repair Issues
  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 signed a form authorizing this branch to withdraw money from another credit union on the 5th of each month to be used to pay my half of a mortgage payment that was to be drawn on the 7th of the month. When it was brought to their attention that due to the weekend the transactions had been processed out of order, and a NSF fee was levied, I was told by the credit union representative that this is what happens and the fee can be reversed this time but it will happen again without changes on my part only and no further fee reversals will happen. I don't feel mishandled financial documents by this business warrants a required, unavoidable, and rudely delivered response.

  

  Business Response

  Date: 10/18/2024

  Conversation with the member on 10/17/2024.
  The member signed an *** authorization form on 4/4/24 for us to pull $800.00 from another institution every 5thof the month. She wrote 2 checks that cleared on 10/2/24 and 10/4/2024. This caused the account to drop below the mortgage payment amount that gets processed on the 7th of every month. Unfortunately, the 5th was on a Saturday so the *** authorization for $800.00 didn't process until later in the day on the 7th because we may not process the payment before the authorization date of the consumer. Due to not having enough money in the account there was an *** fee on the account for lack of funds. Once the $800.00 *** was processed the funds in the account were enough to cover the mortgage payment. Their Mortgage payment was processed on 10/8/2024 in full. When the member asked what happened the employee explained the situation and had the $27.50 NSF fee refunded. The employee explained that due to a miscalculation, the $800.00 *** not being able to be processed due to the 5th being on a Saturday and 2 checks being drawn off of the account it caused a fee.  The manager explained that we would be able to refund the fee this time, but we wouldn't be able to refund the fee again if the 5th falls on a Saturday again. We gave her several options to prevent this from happening in the future.
  Change the selected *** authorization date. (member stated can't change it due to waiting on SSI.) Change their mortgage payment date to separate the transfers between all 3 accounts or make sure there is enough funds in the account in case this situation arises again. The member understands what happened but doesn't agree with the situation.

  Customer Answer

  Date: 10/25/2024

  Complaint: 22399145
  
  I have reviewed the business' response and am rejecting it because:
  
  Process the paper work in the date order when they are received. The 5th paper work should be processed before the 7th. One check was dated the 2nd, and the second being on the 4th and was cleared on the 4th. If they processed the 800 dollars on the end of the day on the 5th, or on the 7th, there would have been more than enough to pull from. It should have happened on the morning of the 7th. First in first out. 
  
  Sincerely,
  
  ******* *******

  

  Business Response

  Date: 10/26/2024

  The authorization form says if the payment date falls on a weekend or holiday the payment will be made the following business day. We understand the complaint and agree that the credits should post before the debits and that is how we have our system set up.  We are reaching out to our data processor to get more details and will contact the consumer directly with any further information.

  Customer Answer

  Date: 10/28/2024

  Complaint: 22399145
  
  I have reviewed the business' response and am rejecting it because: Due to and as a result of several failed and disrespectful conversations with the Institution, and after trying to hand this case over to the other Member of the Household, I am taking over this case again. Pursuant to all available information and replies in this case and with the unprofessional manner in which this is being handled, I am recommending and requesting that this case be moved to further Mediation and Binding Arbitration, and will also be seeking legal counsel based on the events that have transpired so far. All further discussion or contact regarding this matter can and will be handled by the aforementioned Representatives within the Household and at all Agencies involved already or in the future at the discretion of myself and my Mother, henceforth referred to as Plaintiffs, in the cases arising from the actions up to this date. Any and all Representatives of the Plaintiffs will be given the same access to information to further the investigation and any further attempts to remove Agencies from this investigation will be deemed as circumventing an active investigation and interfering with pending litigations.
  
  
  
  Sincerely,
  
  ******* *******

• Initial Complaint

  Date:09/18/2024

  Type:Service or Repair Issues
  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 have been a member of this bank, First Community Credit Union in ********,mo. for many years, have direct deposit and have never had any problems Due to unfortunate events I was 30 days late on my car loan. At 40 days I paid in full both payment that was due. I am not behind on it at all. I have not been late on my credit card which is with the same bank as my car loan. The bank without any notice to me closed my credit card account because of the car loan being late. I feel this is very unfair treatment as it is going to hinder my credit for a long time. As this credit card has a higher limit and I have had it several years. It is going to throw my debit to income way off and will take several years to repair my credit from such act. I am requesting this be investigated for poor business conduct and my credit card be reinstated.

  

  Business Response

  Date: 09/19/2024

  **** ********* vehicle loan was over 30 days past due, the contract contains a cross-collateral clause provision, since the vehicle loan was delinquent, the credit union has the right to remove credit lines (including credit cards) when a loan goes over 30 days past due.  In this case Mr. ********* was sent letters and a phone call was made, but there was no arrangement made to bring the loan current, as a result the credit card line was removed.  The closing of the credit card has no effect on his debt to income, if 6 consecutive payments are made the card can be re-opened. 
  

  Customer Answer

  Date: 09/20/2024

  Complaint: 22305406
  
  I have reviewed the business' response and am rejecting it because:  during the time I was past due on the car loan I was in full contact with the bank. And it was brought current on the date I promised.  And from what I can tell my credit card was canceled after my car loan was brought back current.  

   

  2nd. I have spoke with transunion for clarification of the effects from my credit card being wrongly closed.   They told me it will be a huge impact (upto 50 point reduction) because it is an older account (i have had this card several years) that is now closed. So it changes my "revolving debit history" dates.   And it gives future creditors a false impression/inaccurate presentation of my credit report.   

  
  
  
  
  Sincerely,
  
  **** *********

  

  Business Response

  Date: 09/23/2024

  There was no promise to pay, on August 14 a letter was sent,on August 21 another letter was sent, on August 28 the credit union made a phone call and left a voicemail, there was no response, on August 29 a legal notice was sent.  Payment was made on August 30, when the account was over 30 days past due, but no contact by Mr. **********  On the second point,removing a revolving credit line can have an adverse effect on a credit score,in the initial complaint a reference was made to debt to income, there is no impact on that, but closing a credit line does have an effect on a credit score.  It is a negative consequence of not paying on time.  As far as future credit, that would be up to an underwriter as to whether they want to take a risk, but this gives no false impression, it is simply a closure, which can be re-opened if six consecutive payments are made. 

  Customer Answer

  Date: 10/02/2024

  The bank keeps referring to closing my credit card due to not paying on time.  But my credit card was not late.  It was the truck payment that was late and I had a 8 minute phone conversation with the bank on August 20th explaining my situation and provided a promise to pay by August 30th. And I followed through with that promise.  

  In their response they acknowledge the closure of this card does have a negitive impact on my credit score.  Considering my credit card is completely unrelated to the late payment of the truck it is misleading and causing unjust harm to my credit. According to the **** there is no law against this.  That does not mean it's the right thing to do.