Reviews
This profile includes reviews for First Community Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
Average of 18 Customer Reviews
Want to share your experience?
Leave a ReviewReview Details
Review fromMichael L
Date: 03/27/2024
1 starMichael L
Date: 03/27/2024
Yesterday I had a score of 746. I'm in debt for $3,471 total. I've been with FCCU for three years. I don't have a loan with them and I thought I would apply for a debt consolidation loan. This would allow me to only pay $75 a month over the next five years versus $250 a month. Keep in mind, I've never missed a payment. I even pay more each month. I rent a home I've been in for 10 years. I was denied and my credit score went down to 740. Shame on you FCCU. You call yourself a community credit union. I really don't see the benefit. It's time to take my so called business elsewhere. Thanks for showing me how you really service our community.
First Community Credit Union
Date: 04/02/2024
We reached out to the member. This was an online application and data was not input correctly. We collected the correct information and was able to approve the request for the member.Review fromChristine C
Date: 01/01/2024
1 starChristine C
Date: 01/01/2024
I have been with this bank a long while never had any problem. I have this bank because of my grandparents too. They suggested it thats how you know its real Ive gone in the bank twice Ive had my card fraud small amount did a dispute. They did not return it. Kind of hurts my feelings cause I had proof I didnt spend the money and I know theyre good for their disputes and it was a small amount, but I needed it.Their customer service is absolutely disrespectful. I was asking a question they shouldve led me to the lost or stolen number and they didnt. So now I dont get to freeze my account. Ill just go there tomorrow. I dont have to freeze my account but itd be nice considering I dont feel like my info is safe.The moment when I called customer service and they just say no acting like Im a ***** to the point where I quote ask is there a reason youre upset with me for asking this question When I went into first community credit Union, I asked them to update my account information for the fact that I have moved in my account information was like three houses outdated, even though blah blah blah They still have not updated my information the way I needed them to the accurate information Im very upset that I dont make enough money to be treated right? Im just a debit card holder not a credit card holder. Sorry Im not good enough for your f****** bank. I mean Im still gonna use you because theres no point going to another bank its gonna be the same. I just didnt realize yall would treat me like this.I dont and cannot stand people who treat me like Im trash when all Im doing is asking a freaking question by the way Im autistic so yall be thinking Im Karens when Im not I feel Im judged the way I speak, and I wasnt even angry. Dont understand this whole experience.First Community Credit Union
Date: 01/03/2024
We believe this is regarding a Door Dash transaction from ********** There are previous transactions from Door ************** that have cleared the account. Notes on the dispute indicate we sent a letter asking why this merchant previously cleared the account and is now considered fraud. There was no response to this letter, therefore 30 days later we closed the dispute for non-response. We have reopened the dispute and provided a credit of $17.92. Contact information was last updated on 7/27/2023 through online banking. We have no record of items being returned from the post office as incorrect address or undeliverable. If your address, phone or email are incorrect, please update this information the next time you come into a branch or you may also update it through your online banking.Review fromDaniel C
Date: 12/14/2023
1 starDaniel C
Date: 12/14/2023
this bank is a complete joke. Do not use them for any loan. My name is *******************. Im not scared to hide behind my words. Do not take out a loan with this bank because when you were in financial troubles, they will not work with you when my gap insurance did not pay off my loan, I asked if I can make a minimum payment, and they threatened to turn me over to attorneys.First Community Credit Union
Date: 12/15/2023
This member purchased their vehicle through a dealership, utilizing First Community for financing. During the purchase process, they choose to purchase the dealerships GAP product. After the vehicle was totaled, the member discontinued making payments and defaulted on their loan. When First Community attempted to contact member to discuss the account, we were told on numerous occasions that the member would not make any more payments and were directed to talk to their insurance company. First Community received a settlement check from the members insurance company two months after the accident and still have not received a GAP settlement that the member said was coming. The member reached out yesterday to offer to make monthly payments that would be a small fraction of his contractual monthly payment, stating he has a new truck that he needs to pay for. The member was advised that per his contact, he will be required to make full monthly payments until the loan is paid in full and that failure to maintain his loan could result in the loan being charged off and being sent to an attorney for collection. First Community does not have policy provisions that allow members to alter loan agreements due to the collateral being damaged or deemed total losses.Review fromPrince T
Date: 09/05/2023
1 starPrince T
Date: 09/05/2023
I would never do business with this institution again; they screwed me over.Had a car loan with them, the car was totaled and I worked with the insurance to get the loan paid off. They reported missing payments to the credit bureau even though they confirmed that they received payments from the insurance and gap insurance companies for the totaled car. As a result my credit score dropped by 60 points. What a shame! Closing all my accounts with this garbage institution where I was provided conflicting information every time I called them.First Community Credit Union
Date: 09/06/2023
It is standard industry protocol that if a loan payment is not made in a timely manner; that the late payment will be reported to the credit bureau. We report late payments when the loan payment is at least 30 days past the due date. The insurance company and gap insurance have not paid the loan balance in full. We have made attempts to contact you via phone and mail regarding the late payment since it was 2 weeks past due. The loan contract you signed when you bought the vehicle states when the payments are due. The letter from your insurance company states the total amount they are paying and that you are responsible for the difference of the loan. We also noticed that you purchased an extended warranty. Since the vehicle is totaled, please cancel the extended warranty to receive a refund. Please contact us once the loan is paid off and we will discuss options regarding the late payment reporting. Thank youReview fromSarah R
Date: 07/06/2023
5 starsFirst Community Credit Union is an amazing place to bank. There is a reason they are one of the too CU's in the Saint ***** Area.Review fromSARAH b
Date: 11/07/2022
1 starSARAH b
Date: 11/07/2022
This was my 1st car loan with first community. They harassed me daily with emails, texts and sending letters. They were wanting proof of fully coverage insurance. Which I immediately uploaded and even had my insurance broker contact them. I am only 2 months into my loan. I am considering refinancing with another lender. I called them a few times to try and see what I could do. Every person who took my call was very rude and unhelpful. Terrible customer service.First Community Credit Union
Date: 02/23/2023
It is standard industry protocol to ask for proof of insurance on the collateral that secures a loan. Initially, our third party insurance company, noticed a lapse of coverage. After communication with the member, it was determined that the member had coverage. We will not force place insurance, unless proof of coverage is not provided by the member. We do send multiple letters, emails and texts to notify members that proof of insurance is required before force placing any insurance. Our records indicate that our third-party insurance company did have communications with this member at least four times. We do uphold our third-party insurance company to provide a high level of service; and they should not be rude or unhelpful, but they do have an obligation to verify full coverage car insurance.Review fromFrank O
Date: 10/07/2022
1 starFrank O
Date: 10/07/2022
I bought a couple cars here after show me insurance they try to force insurance on if you dont come up with another piece of paperwork that should be done by the dealer.First Community Credit Union
Date: 10/11/2022
It is standard industry protocol to ask for proof of insurance on the collateral that secures a loan. Member provided the credit union with proof of full coverage insurance on Friday, October 7, 2022. We will not force place insurance, unless proof of coverage is not provided by the member. We do send multiple letters to notify members that proof of insurance is required before force placing any insurance.Review fromeric r
Date: 09/07/2022
1 stareric r
Date: 09/07/2022
Run, run, run away from this lender.Been my credit union for years, many loans.Today I put $30,000 down payment on a $65,000 truck, they want income verification, with a 800 credit score? I don't think so, do you?First Community Credit Union
Date: 09/09/2022
Verifying income to support a new debt obligation in a common practice in the lending industry. Upon the member expressing displeasure with the decision verification of income was waived. Approval was completed on 9-7-22 at 11:57am, verification of income was waived on 9-7-2022 at 4:36pm. A message was left on the members cell phone to contact us.
BBB Business Profiles may not be reproduced for sales or promotional purposes.
BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.
When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.
BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.
As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.