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:11/11/2022

  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 went into default on a car loan in 2017 that resulted in a repossession on the vehicle. The account was sent over the the third party who handles all of their loans that are charged off. The balance was $8,170.33. We both (First Community and I) agreed on the settle amount of $4,000 and I paid it on 6/30/2021. They also agreed to place the account balance as a zero and remarks account was settled. The full balance remained and then they only updated the account to reflect $4,000 off, instead of updating to a zero, the account balance was now at $2,402. I called and spoke to a rep at First Community who claims that I still owes them money, even though they have agreed to only take $4,000 to settle the account. They were not going to change it until we paid the remaining balance, which was not agreed on. I had to file a complaint with the *** and First Community Credit Union has acknowledged the settlement amount and undated my credit to reflect a zero balance on October 12,2022. I rechecked my credit and they have now taken the zero balance back and put back the balance of $2,402. I have settled and paid this account in full. I do not owe First Community any more money. I have letters shown that the balance is a zero. I have also called the third party and they have also acknowledged that we have a zero balance and do not owe anything else.

  17151 ***********************, ************, ** 63005

  Customer Answer

  Date: 11/11/2022

  The address of the rep I spoke to is located at this address below. This is their corporate office.
  17151 ***********************, ************, ** 63005
  

  

  Business Response

  Date: 11/15/2022

  There was a settlement for $4,000.00 and the member, ****************, paid the agreed upon amount.  The was no agreement to change the amount owed on her credit to zero, but since there was a settlement and no more money will be collected, we have changed the amount to zero.  This will be reflected on the credit report within a couple of days. 
  AVP of Collections

  Customer Answer

  Date: 11/15/2022

  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,
  
  ***************************

• Initial Complaint

  Date:08/28/2022

  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.

  My wife went to our local branch (****** mo)and deposited a check from ***** on 8/3/22. This was an expected check. She received a hold letter but not a receipt. The check never hit our account. We followed up and they told us it was fraudulent. Then they turn around and say they never even received the check. They state the check is fraudulent but they've never seen it? Then they say the hold letter is fake and the name on the hold letter isn't anyone who works at their company. They close our account and we switched our direct deposits to a new account and ask ***** to re issue the check and explain what happened. Then on 8/26/22 my employer messed up and sent my pay check to the closed account at first community credit union. I stop in at the ****** branch after work to pick up my pay check and they refuse to give it to me citing my account is Frozen. So they stole my entire paycheck of $1368. Then this lady I've never even seen looks right at me and said I forged her name and this is what I get for doing so......I've never even met this lady ever. Also notice their story doesn't add up. They said earlier the hold letter was fraudulent and the name on the letter wasn't a first community employee but then a first community employee accuses me of forging her name. My wife dealt with her a couple days after depositing the check to deposit $1,100 into our account. She argued that there was only $1,000. My wife had to argue with her for several minutes before she would admit she was wrong. There seems to be a pattern with this crooked teller and first community is trying to cover it up. Now they have stolen my pay check. To anyone who reads this I urge you to not do business with first community they're absolutely terrible.

  

  Business Response

  Date: 08/30/2022

  On Monday, 08-15-22, the members responded to the ****** branch to inquire about a check deposit they claim to
  have made. Both claim that they presented this check for deposit in the branch
  on 08-3-22. They claim that they were assisted by the Assistant Branch Manager.
  The Assistant Branch Manager stated she never helped either of them on that
  date and transactional records confirm that no in branch transactions were done
  on their account on that date. The members provided a picture of the check
  they claimed was deposited and a query was ran of all checks accepted by First
  Community between 8/1/22-8/5/22. The search looked for any checks that matched
  the dollar amount, routing number and account number and there were no previous
  matches, indicating that check was never accepted by First Community. The members then produced a hold notice they claimed the Assistant Manager provided to
  them. It was immediately evident this notice was not provided by First
  Community as the Assistant Manager’s name was not correct on the notice and the
  template format was completely different than what is used by First Community
  for hold notices. The members then stated they had been working with a
  member of First Community’s senior management and provided a copy of their
  email exchange. The supposed individual they were communicating with via email
  does not work for First Community nor has anyone by that name ever worked for
  First Community. First Community informed the members of the forged
  documentation they were in possession of and inquired for more details about
  their situation as it appeared they may have fallen for some type of online
  scam. They declined to offer more details about how they came into possession
  of the said check and forged documents and continued to claim fault towards
  First Community. First Community considers forged documents an extreme risk to
  business operations and reputation as well. Members wife was informed legal
  action would be taken to investigate the forged documents further and she
  immediately requested the account be closed despite the pending payroll deposit
  for her husband. On 8/26/22, First Community accepted husband's payroll deposit as a
  courtesy in order to prevent the deposit from returning to the source as a
  closed account, which would further delay access to his funds. On
  8/29/22, member withdrew the full amount of his payroll deposit and the account
  is officially closed with a zero balance. First Community has since been able to contact the paying
  institution listed on the check image provided by the members, and that
  institution confirmed the check was a counterfeit item.
  

  Customer Answer

  Date: 08/30/2022

  Complaint: ********
  
  
  
  I am rejecting this response because:
  
  
  
  Its untrue I ****** gave them the entire story on how we got the check. The check is not counterfeit. To top it off when I went in last Fri to receive my check I had a lady that worked there accuse me of forging her name. How could I have forged someone's name if the name on the letter I received from first community doesn't exist according to them? That statement was made above as well by them.
  Both things cannot be true. I have sufficient evidence to prove the teller at the ****** branch is who caused this entire mess and if first community pursues any sort of legal action I will counter sue immediately with that information at the ready. I did however receive my check on Monday after ***** in the fraud dept released it. He however didn't answer my question about the supposed forged name on the hold letter. They clearly are either covering for their teller or they are just incompetent. Either way terrible place and I intend on never doing business there again.

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

• Initial Complaint

  Date:08/15/2022

  Type:Customer Service 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.

  The level of disregard that I’ve experienced from First Community Credit Union didn't match its Mission Statement of being the primary financial institution, providing an opportunity for you to improve your economic and social condition, encouraging thrift, and broadening your economic awareness….is a dishonest and deceitful.
  
  My credit score shows on-time payments Late 201*, I purchased a rental property. Due to Covid, my tenant lost her job and i was footing all the bills, running late on making the payments yet none were past 30 days. It was explained to me, that my loan, made on the 31st day caused the credit card to be closed and removed it from the app. This is where the level of disrespect, deceit and disregard escalated. I called customer service to explain loan was not 30 past due days. No one listened. ***** *******, at corp. office, apologized while explaining that I had become a risk but if I made made payment on other products she would restore card. l left work an hour early, to physically go in a location. After payment was made, I call *** ***** there was no answer. Message left. No returned call. Few minutes later, I called ******* there was no answer. No returned call. I went back into the location and asked representative to restore my credit card. The representative looked me in my eyes and apologized but stated my credit card had been closed and could not be restored on app or otherwise. On the following Monday, I called *** *****. No answer. No returned call. I called *******, no answer. No return call. By end of week, ***** voicemail stated that was out of the office until today. However, I’ve continued to call ******* and leave voicemails. To date, Seven (7). No calls have been returned.
  
  Personally, I’m not sure what I want the overall outcome of this complaint to be. The credit card has been closed. The closure of the card caused my **** score to drop * points. I would like card and card restored and adverse action corrected

  

  Business Response

  Date: 08/16/2022

  The Assistant Vice President of
  Collections was out of the office August 6th through August 14th.  When he returned to the office on yesterday,
  August 15th, he returned the calls. 
  AVP of Collections spoke to
  member yesterday regarding the past due loan and her credit. It was explained
  that on the signature loan, the credit union received a payment on June 14,
  2022, on a loan that was due for May 13, 2022 making her 31 days past due, when
  the payment was posted she became due for June 13, 2022.  The credit unions Member Service Agreement
  states in part, “If any loan is past due, we may suspend your ability to
  conduct actions or transactions on any or all accounts, products and
  services, until the default is cured.”  The credit union restricts credit card
  activity when any loan that they have are 30 days past due, this was stated in
  a letter to the member on June 6, 2022.  This delinquency can cause a credit score to
  drop, however, there was no 30 day mark on her credit regarding this loan. I informed
  the member that we would re-open her restricted credit card and that action was
  completed on August 15, 2022.