Complaints

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

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• 

  St. Louis Community Credit Union

  3651 Forest Park Ave Saint Louis, MO 63108-3309

  
• 

  St. Louis Community Credit Union

  7224 Gravois Ave Saint Louis, MO 63116-1019

  
• 

  St. Louis Community Credit Union

  1436 S Big Bend Blvd Richmond Heights, MO 63117-2204

  
• 

  St. Louis Community Credit Union

  6347 Plymouth Ave Rm 108 Saint Louis, MO 63133-1909

  
• 

  St. Louis Community Credit Union

  2828 Gravois Ave Saint Louis, MO 63118-1406

  

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:05/17/2024

  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 a Loan through my bank to pay off a car I have gotten from *********. I had ended up dropping Progressive because it was becoming too high to pay month over month. When they added the insurance provided by the credit H333234**333230373237H, they added $3,000 per year to the loan while I am getting my own insurance. They told me that will be taken off when I do get insurance. However, the amount of the loan changed without mentioning it was going to increase. They did this after the fact. So what was 400 some ought I was paying per month became over 700. Originally the loan was $17,000 to now $23,000. I went to call the bank to find out more. I was trying to refinance the loan but they would not accept me doing so because the loan was behind due to the extra amount put onto it. They also mentioned that I cannot use my social security payments. When trying to ask anyone why that is, no one is giving me an answer. I&#**;ve gone through ********* ***************** *********** services, I asked for a supervisor today (5/17/24) but was told the supervisor was busy. I just want to know if they are allowed to change that policy without telling me? What are my options? Why are they not accepting my social security payments.They originated 2 loans from me based on my social security payments, Now they are saying they wont accept the income. I don&#**;t know what to do. They have put a restriction on my account so now I cannot access it.

  

  Business Response

  Date: 05/22/2024

  Thank you for bringing this matter to the attention of St. Louis Community Credit union. After review of Ms.******** **** loan, it was determined that the collateral protection Insurance(CPI) placed on the loan was not done in error. Management has reached out to ****************** to address her concerns and ****************** has agreed to regain and provide proof of full coverage insurance. As contracted, once proof of full coverage insurance is provided, CPI will be adjusted and refunded to the loan lowering Ms. ******** payments.
  On May 21st, management reached out to ****************** again regarding the complaint on acceptable income. When reviewing the income with ******************, we found no errors, all submitted income was included in the most recent application.
  

• Initial Complaint

  Date:04/29/2024

  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.

  In October I changed my insurance. The ** charged me a late fee 115 fee. They said I was late with car payment.

  

  Business Response

  Date: 05/06/2024

  Thank you for bringing this matter to the attention of St. Louis Community Credit Union.  We spoke with him in regards the payment issue that was derived from forced placed car insurance with his auto loan. Made the member aware the issued was corrected,and updated on loan status was also communicated today. We welcome open communication with the consumer to discuss this further.

• Initial Complaint

  Date:04/27/2024

  Type:Order 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.

  No title during sale of car buying, i tried to trade the vehicle in and was not able to prove ownership due to no title. called said company because dealership would not release car to me. said company picked up car at dealership in dec/2023. car was set to be sold in dec/2023. never was told if the car was sold after that and in january 2024 said company reported i was late on a payment to credit company. I called on 1/15/2024, 1/19/24, 1/24/24, 2/9/24 and on 2/15/24 someone finally answered and told me my account was "closed" but said company never sold my car and still had possession of it. said company took away online access to pay any bills as i was trying to pay during this whole period, woman i spoke with said she can only go back and change credit reporting if she "listens to my previous calls" and hears me say i was trying to actually pay. after that final phone said woman told me she would call me back after the audit was finished and inform me of next steps. they are reporting false late payments on my credit but I have no way to even pay said company and still to this day 4/27/24 no one has called or fixed reporting. dealership also sent me the check for the gap coverage indicating the car was sold.

  

  Business Response

  Date: 05/06/2024

  Thank you got bringing this matter to the attention of St.Louis Community Credit Union. We spoke with the member regarding the auto loan and auto titling documents and multiple notices associated with the sale of the auto that were previously sent to him. An option to settle the balance owed and remove the loan from reporting on his credit bureau was presented. The member accepted subject to a review of the offer in writing. The terms have been sent to the member. St. Louis Community Credit Union is waiting for his response.    

• Initial Complaint

  Date:03/04/2024

  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.

  Accordoing to Experian, Transunion and Equifax STL COMMUNITY CREDIT UNION is verifying information I deem to be 100% inaccurate on my personal credit report. This misinformation has been damaging my credit report since July 2020 and it continues to do so til this day. I spoke with several representatives from this company about help getting rid of this late payment on my credit report. This was an installment loan to myself, I DO NOT DEEM THIS ACCOUNT TO BE LATE NOR HAVE I GIVEN THEM CONSENT TO REPORT THIS HARMFUL INFORMATION. Also, my debit card issued by ************* expired this month so the automatic payment was missed. I was never late before or after this happened. This has ultimately stopped me from obtaining lines of credit, a car, and a new home. This account is still being updated and reported as late please remove this account from my report. I've attached an invoice with the multiple FCRA laws they violating.

  

  Business Response

  Date: 03/06/2024

  Thank you for bringing this matter to our attention. We have reviewed the loan in question and found no inaccuracies in our reporting. Our records show a 30-day delinquency for the month of July 2020. This resulted in the delinquency being reported to the credit bureau as outlined in the loan agreement signed by **************. As of March 5th, we have reached out to ************** to explain the findings.

  Customer Answer

  Date: 03/22/2024

  They mislead me and told me that they would update my account when I got my payments back on track. This institution has a bad reputation for this and it is discouraging knowing that an institution that is to help the people arent doing their job. 

  

  Business Response

  Date: 04/03/2024

  While we understand Mr. ****** frustration, SLCCU complies with the **** by implementing reasonable policies and procedures for the accuracy and integrity of information that is reported to consumer reporting agencies. As mentioned in our previous response, the loan was reviewed and no inaccuracies in our reporting were discovered. And as he mentions in his response, his payments were not on track and therefore were reported to the consumer reporting agencies as late. We do apologize for any miscommunication received by the member in reference to correcting his credit. This is not our policy. We have tried to reach out to ************** on multiple occasions now to go over his payment history, but he has continuously not returned our calls.
  

• Initial Complaint

  Date:11/27/2023

  Type:Order 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 have several car loans & loans through this bank. My jeep was totalled out, my insurance and gap paid my jeep off. Go to the bank today it still says i owe money on a car i dont have. Cant get ahold of no one about this issue. I have paid every payment on time!! This is un real! I paid what i should of.. paid insurance on this car and still dealing with it months later!

  

  Business Response

  Date: 11/28/2023

  Thank you got bringing this matter to the attention of
  SLCCU. St. Louis Community Credit Union has contacted the member to discuss her
  complaint.  We’ve reached a mutual resolution that satisfies both the
  member and the credit union.  We consider this matter closed.

  Customer Answer

  Date: 11/29/2023

  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.
  
  
  
  **********
  
  ******* ********

• Initial Complaint

  Date:09/07/2023

  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'm a federal protected consumer and I have a right to privacy. St Louis community credit Union is violating by right by reporting transactions/ experiences to trans union to be furnished on my consumer report which is against federal law usc 1681 (a) without my permission

  

  Business Response

  Date: 09/13/2023

  St. Louis Community Credit
  Union unsuccessfully attempted to reach M. **** and left a message on the phone
  number provided. We have not yet received return communication. St.
  Louis Community Credit union complies with the Fair Credit Reporting Act,
  referenced by Mr. ****, by accurately reporting loan payments to the credit
  reporting agencies. Payments that are 30 or more days delinquent are reported
  as late. We confirmed the payment history for
  his loan is reported correctly. We welcome open communication with the
  consumer to discuss this further.
  

• Initial Complaint

  Date:08/01/2023

  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 accidentally on July 26 cashed out a **** *** account that went to a closed account held by stlccu which held a negative balance of 498. And some change. I called and the people over the phone told me I was owed 281 but when I made it into the office I was told I was owed less ($109.xx) because the fees that the credit union credited to my account were no longer credited because the money came into the account even tho the account was charged off for a different amount. The teller came back with an undisclosed amount of money that wasn’t counted out to me to confirm the amount, my receipt was wrigged and hand typed because she didn’t want the amount to read wrong and when I make it home I only have 29.xx in the envelope.I call customer service and confirm the amount was 109, So I completely feel duped out of $80 because the teller was incompetent. It literally took her 30 mins to give me a receipt. I initially stopped putting money in the account for these specific reasons.

  

  Business Response

  Date: 08/14/2023

  Thank you
  for bringing this matter to the attention of SLCCU. Unfortunately, the
  incorrect amount was quoted to *** ***** when she called our Solution Center on
  7/29. We have coached the representative to avoid that error in the
  future. On 7/31 when *** ***** came to our office she spoke with a Teller and the Assistant Manager who informed her of the
  correct amount and attempted to further explain the charge off amounts in
  writing. However, the receipt provided is our normal receipt and it states the
  correct amount of $109.52 as paid out to *** *****. After a thorough investigation, we believe the correct amount was
  provided.  Both the Teller and
  Assistant Manager attest that the cash was
  counted back to *** *****. The teller drawer has been counted to ensure
  there was no error as well as video footage showing *** ***** left the building
  with the envelope. Once the member takes possession of the cash SLCCU cannot be
  liable for any lost funds.
  

  Customer Answer

  Date: 08/16/2023

  The clerk never counted the money back out to me. Is there footage to show the clerk counted the money out?

• Initial Complaint

  Date:07/19/2023

  Type:Order 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 refinanced my vehicle in 2016 with St.louis Community Credit Union and i purchased gap insurance with the refinance. The finance was for 72 months but due to some circumstances i was unable to payoff my vehicle within those 72 months. I continuously paid on that same active loan after the 72 months until my vehicle was stolen from my house. Even after my car was stolen i paid my past due loan balance. My vehicle was never recovered so my insurance totaled out my vehicle and paid the value of the vehicle, however St.louis community credit union is refusing to pay the gap insurance portion of my vehicle when I purchased gap insurance at the time of me refinancing my vehicle with them. I have valid documents reflecting my gap insurance policy purchase and I’ve called them multiple times and each representative has told me that my gap insurance was valid. The manager of the branch has told me that it expired but I was never told that my gap insurance expired, i have documents that does not reflect my gap insurance having an expiration date nor does it state in my contract that gap insurance expires after a certain time frame. I’m fraudulently being charged a balance that should have been settled with the gap insurance i bought from them.

  

  Business Response

  Date: 08/10/2023

  Thank you for bringing this matter to the attention of SLCCU. After reviewing Ms. ****** loan we were able to reach out and thoroughly explain her agreement and why she was outside of her gap coverage. As of 08/04/23 we have come to mutual terms with Ms. ****** and was able to resolve her complaint. 

• Initial Complaint

  Date:07/03/2023

  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 have been a member of St. Louis community credit H333234393332303****7H (SLCCU) for over 10 years. My mother , a retired teacher was a member before me and used to take me banking with her when I was a little girl. On 6/26/23, I deposited and insurance refund check from a reputable insurance company into my (SLCCU) checking account via the *** at the Old Hallsferry Branch. On 6/27/23, I received notification via my credit H333234393332303****7H app that half the deposited funds will be available on 6/28/23. On 6/28/23 half the funds were available and I issued payment on my various bills. On 6/29/23, the deposited check was mysteriously reversed causing insufficient funds and without any notification to me. When I contacted the credit H333234393332303****7H, the rep said that the check had been reversed to a third-party for review because (SLCCU) wanted to ensure I did not try to deposit the check twice. I reassured them that I would never do such a thing and that I needed the money available as soon as possible because I did not have any income and was hungry. I questioned why my account told me that the deposited check had partially cleared and then when it reversed, the credit H333234393332303****7H placed full accountability on their third-party contractor. Why am I being penalized for a legitimate check that was deposited from a reputable insurance company when I have been a credit H333234393332303****7H member for over 10 years? I wouldnt have issued payment on my bills if the credit H333234393332303****7H had notified me that the funds would be available. On 7/323, the credit H333234393332303****7H reversed three of the insufficient fund fees, but in total there were six insufficient funds debits for $18 each, and I need all of the insufficient funds to be reversed. Im asking Saint Louis Community Credit Union to reverse the remaining three sufficient fees debits from 6/29/23 for a long time member in DESPERATE need of money for food and utilities. Thank you in advance for your ***** and consideration.????

  

  Business Response

  Date: 07/10/2023

  Thank you for bringing this to the attention of *****. A representative from our team has spoken with *************** and after reviewing the details around this situation, the following was determined. The check in question was marked for mobile deposit, however it was deposited into an ***. The *** used to make the deposit is handled by a 3rd party processor who found the mobile deposit endorsement on the back of the check during validation. Therefore,a reversal was completed. SLCCU apologizes for any hardships this has created for **************** and has refunded the fees associated with the check reversal. We have spoken with our *************** team regarding *************** experience and are working to provide better guidance on explaining such processes. 

  Customer Answer

  Date: 07/10/2023

  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:05/19/2023

  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.

  Transaction Date: 03/01/2023
  I disputed Mastercard/Debit charge for $139.79 implemented by St. Louis Community Credit Card Services for a fraudulent mail order purchase I did not make or received. I have attempted to resolve this issue with St. Louis Community Credit Union Mastercard Services without a satisfactory solution. The reference number is *********************** and the case number is *******************. I'm will provide all written correspondence from the Card Services and myself if needed.

  

  Business Response

  Date: 05/26/2023

  Thank you for bringing this to the attention of SLCCU. We have reviewed Mr. ********'s account and merchant dispute. As of Tuesday, May 23rd, management spoke with Mr. ******** regarding his merchant dispute. We explained the dispute
  process and provided an update of his dispute status. As told to Mr. ********, we will follow up with him once the merchant dispute is resolved to explain the outcome.

  Customer Answer

  Date: 06/07/2023

  They are constantly working on it and nothing is getting resolved.  I just want it resolved - either give me my money back or not.  I am not going to bank with a bank that doesn't believe that I have been frauded.  I am going to pull my money out of this bank if it is not resolved.