Complaints

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

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  Skyla Credit Union

  1400 Yanceyville St Greensboro, NC 27405-6930

  
• 

  Skyla Credit Union

  306 N Main St Graham, NC 27253-2839

  
• 

  Skyla Credit Union

  940 Jake Alexander Blvd W Salisbury, NC 28147-1219

  

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:07/10/2025

  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 have not heard from the business in response to my complaint.

  
  

  

  Business Response

  Date: 07/24/2025

  Skyla Credit Union has reviewed complaint ID: ******** and responds accordingly:

  In review of the loan applicant's denied loan request, the incorrect denial reason on the Adverse Action form was selected. The loan request was re-evaluated and the loan decision remains unchanged. A corrected Adverse Action form is being delivered to the applicant. 

   

  Customer Answer

  Date: 07/25/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept it.

• Initial Complaint

  Date:11/02/2024

  Type:Sales and Advertising 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 vehicle was towed. In front of all four of my children and i was left stranded. I was not notified by Skyla bank that they would be impounding my vehicle. I fell on hard times and missed payments. But I was not contacted for a resolution. When attempting to work with the bank during the tow they were less than empathetic and left me no information on time frame or solutions. The *** company broke property and I have missing items. This was highly unprofessional as Skyla bank has my email address as another contact. They again did not contact me to inform me they were going to take the vehicle. I am emotionally scarred, the incident was traumatic for me and my children. The tow company has stated more than once they cannot do other than the bank states. Therefore the bank is solely responsible for its negligence, un professionalism and its due diligence in contacting me to work out a reasonable solution. There have been two hurricanes in ******* impacting my ability to obtain employment. I had relocate for safety from an abusive marriage. Why am I being penalized rather than given in good faith ***** and compassion considering I have children with me. The tow company was unprofessional. And I feel violated.

  

  Business Response

  Date: 11/15/2024

  Skyla Credit Union has fully reviewed your complaint. Due to the nature of your complaint, we will need to speak with you to concerning the matter. Please give us a call at ************ and ask to speak with Mrs. ***** in the Risk Department. 

   

  Thank you,

  Skyla Credit Union

• Initial Complaint

  Date:06/06/2024

  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.

  I have not heard from the business in response to my complaint.

  It has not been resolved.  

  e and auto insurance fees, overpaid off my auto loan, incorrectly reported to credit bureau poor payment history and balances, charged overdraft and other unnecessary banking fees.

  

  Business Response

  Date: 06/25/2024

  Skyla Credit Union has begun the process of reviewing your account. Due to the depth of your request, we would like to schedule an appointment for you to visit your local branch. Additional information will be required from you to complete the account review and requires more time than the response deadline required by the BBB.

  Please give us a call at ************ and ask to be transferred to the **************** Thank you.

• Initial Complaint

  Date:03/05/2024

  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.

   I am rejecting this response because:
  
  I would like the fact that I was hung up on and denied the request to speak with a manager addressed.y I was being denied. After receiving what I felt was a disrespectful tone, I asked to speak with her supervisor. She asked why. I told her I didn't like her tone and I wasn't getting a clear explanation of the issue and a resolution that is satisfactory to both parties.. She told me that the supervisor wasn't around. She asked why I was asking for a supervisor, I later asked if I could be transferred to the supervisor's email, after requesting one again. I felt the conversation was getting escalated. She told me to have a good day and ended the call. The last call took place on Friday, February 2, at 10:10 a.m. c.s.t. It lasted 12 minutes. The first call took place on Thursday, January 11 at 11:05 a.m. c.s.t. I also left a voicemail message that wasn't returned.The call left me baffled, upset, and humiliated. I would also like to speak with someone to get clarification on opening the account and why I was denied considering I have opened up accounts with a bank and another credit union since.

  

  Business Response

  Date: 03/13/2024

  Skyla Federal Credit Union has reviewed and investigated BBB Claim #********. Our response is as follows:

  
  **************, we have reviewed your request for membership from January 11, 2024. It was determined that we would not be able to approve your membership request at this time due to a fraud alert message on your credit report. You indicated that you reached out to the credit bureau concerning the fraud alert,but you were not given the same information.

  
  In following the participation agreement between Skyla and the credit bureau, we are unable to give you a copy of the credit report we obtained. However, I have listed below the fraud alert message contained on the report that prevented us from moving forward with your membership request.

  
  EQUIFAX REMARK: *********** FROM YOUR ******* HAS BEEN IDENTIFIED AS POTENTIALLY FRAUDULENT OR MISUSED, THEREFORE THE CREDIT REPORT IS NOT AVAILABLE FOR DELIVERY
  EQUIFAX REMARK: ******* *********** IDENTIFIED AS FRAUDULENT BY CONSUMER REPORT NOT AVAILABLE

  
  Due to that information being on your credit report, we were not able to obtain a complete credit report file. Unfortunately, since the comments are from the credit bureau, we cannot request that the comments be removed or updated. You will have to handle the changes with Equifax directly. Consumer assistance can be reached at:

  
  Equifax
  PO Box 740241
  *******, **, 30374-0241
  **************
  www.equifax.com
  
  If you believe that this information has been removed or updated, you are welcome to submit a new application for membership.

  
  Skyla FCU considers this complaint investigated and closed.

  
  Thank you,
  
  Risk Department
  Skyla Federal Credit Union

  

  Business Response

  Date: 03/19/2024

  **************, 

  We regret that you received member service that was less than acceptable. Your concerns have been addressed with the appropriate manager. I am happy to have ******************** contact you if you have further questions concerning your membership request. 

  Thank you.

• Initial Complaint

  Date:03/31/2023

  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.

  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********* and I accept it.o send back the $366 that was taken out on today. My rent is due on tomorrow 4/1, and I'm at work panicking about how I'm gonna come up with money for rent.

  

  Business Response

  Date: 04/03/2023

  This matter has been resolved with the member. Thank you.

• Initial Complaint

  Date:02/17/2023

  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.

  I just did, I haven't received all the funds aback from I'd theft and I want compensation.

  nd it and I told them the rep I spoke woth and the branch only has access to the claim she did which caused more delays. We were going back and forth via email and she stated that it has been resolved as the funds were back into my savings and I told her my credit was impacted since there was a unauthorized cash advance over 1500 done on my personal account and was reported to the agencies which dropped my credit score significantly and they said that they could not do anything else about it as the credit will adjust itself. This isn't right and I want funds for this

  

  Business Response

  Date: 03/10/2023

  Mr. Robinson                                     ,
  
  Skyla Federal Credit Union has reviewed your submitted BBB
  complaint #********. The results of the review are as follows:
  
  Skyla FCU would be unable to detect any unauthorized
  activity or account access to a member’s account until the activity is reported
  by the account holder.
  
  According to our records, on December 22, 2022, you
  reported and filed a claim for unauthorized activity that had occurred on your
  account and credit card between December 20th and December 21st,
  2002. Your claim totaled $4,635.00. On the same day, your primary accounts were
  closed to prevent further unauthorized activity. 
  
  In accordance with regulations, the credit union must
  investigate reports of unauthorized account activity and correct any discovered
  errors within ten (10) business days of the claim. If the credit union is
  unable to resolve the issue within ten (10) business days or more time is
  needed, we may continue investigating up to 45 days. However, we must provide
  you with a temporary credit within ten (10) business days for the amount you
  believe is in error, so that you may have use of those funds until our
  investigation is complete.
  
  According to our records, your account received a credit
  for the reported unauthorized activity, totaling $4,635.00 on January 4, 2023;
  thus, meeting the ten (10) business day deadline.
  
  Finally, in accordance with regulations, if an
  institution furnishes data to a national credit bureau reporting agency, that
  information must be accurate. Due to the pending investigation, the December
  status and balance of your credit card, at the time of data furnishing to the
  nation credit bureau, was reported accurately.
  
  Our investigation was closed on January 4, 2023, when all
  unauthorized funds were re-credited to your savings account since that was the
  account used to make the unauthorized withdrawals; including the funds that
  were advanced from your credit card and deposited to your savings account. Our
  records do indicate that a large payment was made to your credit card on
  January 31, 2023. Therefore, any data that was furnished to a national credit
  bureau agency after January 31, 2023, would reflect the current status and
  balance of your credit card.
  
  Skyla FCU has thoroughly reviewed the BBB complaint and
  considers the investigation closed.

  Customer Answer

  Date: 03/20/2023

   I am rejecting this response because:  

  They just told me information I already know. The report shouldn't had been done I never authorized the transactions so my credit score decreasing from that timeframe in January 2023 should have never been reported and if so it should be reported to the bureaus are inaccurate or unauthorized since it was reported fraud. My score hasn't increased to where it was since this incident. Also requested compensation due to me having to constantly call them and that is how I got the first bit of funds since I told them I had issues paying my bills since they still didn't give me my money back in my savings account. 

  
  
  
  
  
  
  

  

  Business Response

  Date: 03/20/2023

  We are unable to provide any additional information from the initial response. The credit card balance for December 2022 and January 2023 were reported on time and with the current information at that time. While we recognize that the December 2022 credit card balance may have contained a higher balance due to fraud, institutions are not able to report part of a balance as fraud and another part as non-fraud. When the balance was reported again in January, the balance had returned to normal. As we are not in control of the credit bureau's scoring calculations, we are unable to explain why the credit score did not return to the same score as it was prior to the fraud. 

  We are also unable to see where the member is due any additional reimbursement of funds. All unauthorized funds, totaling $4,635.00, that were withdrawn from the savings and/or checking account was refunded on January 4, 2023.

  Customer Answer

  Date: 03/21/2023

   I am rejecting this response because:
  
  
  
  
  I want reimbursement for the time I've spent trying to correct this due to your fraud time incompetencies on recognizing a fraud action which led to all of this. I had to consistently call back I never got a call from you all about this or the status the customer service was terrible. Each time I called and they can check the rep never saw my claim so I had to constantly repeat myself and tell them what happened and that it was filed at the branch which they don't have access of seeing. This has taken away from my job as I spent a lot of phone time with you guys and that affects my money as I can't close as many files for my job since I took away from there to contact them. As it relates to how they feel I am not owed anything they had to give me some type of credit cause I didn't have funds to pay my credit card bills and impacted my account where they lowered my credit limit due to the miss payment while I waited for you all to return my funds. It lowered more than 5k and cause my score to decrease since the credit limit was lowered 

• Initial Complaint

  Date:09/13/2022

  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 am rejecting this response because:
  
  
  
  
  I don't accept it and won't be paying it. That was your screw up and I won't be doing business with you or paying it. Expect that it will go to collections. I don't care!!! mier/ Charlotte Metro today and may seek legal action.

  

  Business Response

  Date: 09/14/2022

  Mr. *****,
  
  Premier FCU, KNA Charlotte Metro Federal Credit Union
  (CMCU), has review your submitted BBB complaints #******** and #********. The
  results of the review are as follows:
  
  In response to a $3629.49 credit card billing dispute
  filed by you on February 22, 2022 against a merchant, CMCU issued a provisional
  credit to your credit card account in the amount of $3,309.24 on March 8, 2022 for use
  while the dispute was investigated. This was the provisional credit amount since
  the merchant had already applied a partial credit of $320.25 on February 18, 2022.
  
  In accordance with billing dispute rules, CMCU and the
  merchant conducted an investigation and upon conclusion, the dispute was
  decided in your favor on May 2, 2022. It was determined that the provisional
  credit applied to your credit card on March 8, 2022 would remain in place. Inadvertently,
  an additional credit of $3,309.24 was posted to your credit card on May 2, 2022
  at the conclusion of the investigation.
  
  The duplicate credit posting was discovered on September
  12, 2022. CMCU issued communication to you concerning the duplicate credit
  posting and notification that the duplication would be reversed from your
  credit card on September 19, 2022.
  
  CMCU has thoroughly reviewed both BBB complaints
  and considers the investigation closed.