Complaints

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

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• 

  Civic Federal Credit Union

  300 W 1st St Greenville, NC 27834-1904

• 

  Civic Federal Credit Union

  323 W Jones St Ste 600 Raleigh, NC 27603-1369

• 

  Civic Federal Credit Union

  3600 Wake Forest Rd STE 2000 STE 2000 Raleigh, NC 27609-7329

• 

  Civic Federal Credit Union

  1600 Nc 24 27 Byp W Albemarle, NC 28001

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:06/05/2025

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  Local Government Federal Credit Union became Civic Federal Credit Union, starting on May 30th. As with any new system, I expected some issues, however, it has been impossible to get in touch with a representative at this bank, and my debit card is not working. I also know there are merchants that did not receive payments when I used my card during the black out period (because the transition instructions were so poorly communicated). Now, I do not have access to my checking account, only my ********************** card, and I am unable to get in touch with anyone to resolve this issue - have spent a total of 5 hours on the phone trying to get this resolved, still with no resolution. This financial institution is not fulfilling their duties to their customers- we don't have access to our money, and we can't get in touch with anyone to fix it.

• Initial Complaint

  Date:06/05/2025

  Type:Billing Issues
  Status:

  UnansweredMore 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 Local Government Federal Credit Union (LGFCU) for over 15 years. All of my accounts were historically serviced by State Employees Credit Union (SECU). Recently, LGFCU announced that all members would be required to transition to Civic Federal Credit Union (Civic FCU), with no option to opt out.Throughout the transition, both LGFCU and Civic FCU repeatedly assured members that this change would not impact our credit in any way. Despite these assurances, I was notified by ******* on June 4, 2025, that two of my credit accounts were reported as closed:LGFCU credit card LGFCU personal line of credit These were longstanding tradelines in good standing. I did not request or authorize their closure, nor was I informed this would occur. The result was an immediate drop in my credit score. This affects not only my financial health but also future opportunities involving credit-based decisions.This contradicts what was promised by both credit unions, and I consider it a serious breach of trust and transparency. It appears this situation is affecting many other LGFCU members, based on what Ive seen in forums and community groups.I am requesting that the BBB investigate the actions taken by LGFCU and Civic FCU regarding:The credit reporting of closed tradelines;Misleading or deceptive claims about the credit impact of the transition;Lack of communication and consent regarding account closures.I ask that this complaint be taken seriously and forwarded to both credit unions for immediate resolution.

• Initial Complaint

  Date:04/02/2024

  Type:Product 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.

  My mother passed away in November of 2019. She had a savings and checking account at this bank. she left both of her accounts POD (paid upon death) to me, her son And the executor Of her estate. I traveled from ******* to ************** to close these accounts. They had me sign documents, and wrote me a check for both accounts less $25 until a car loan was paid off . That car loan has been paid off for years and has already even been sold. I've even Accrued $8 of interest at their BS rate that's how long they've held my money. Every time I contact them I get put on hold and I get given a run around. Then they tell me they have no record of me being A beneficiary of the ****** Now they are telling me in order for me to get this money I have to reopen my mom's estate, and file all kinds of stuff through the court and then write a letter to them with my intent to close the Account. No!!! My mother purposely set her accounts up POD to keep these accounts out of her Estate/ courts these accts have nothing to do with the estate. I paid off roughly $6000 that we owed on her car , Because that was the terms and they said They would release the money once it's paid off. But 5 years later they are holding $33 of my mother's money ****** . this is about the principle, this money does not belong to them. this company whoever they are, are crooked, And apparently very disorganized if they don't even have record of POD Although they absolutely have to have record of them writing me a substantial check the day I traveled to **************. I still get a statement every single month from them but they will not let me close it and send me a check. I want my money and I want this account closed and I'm getting tired of them running me through Hoops, putting me on hold, and never coming back , or telling me somebody's gonna call and they don't.

  Business Response

  Date: 04/19/2024

  A call was made to the beneficiary of the account and offered our apology for the delay and any miscommunication.  The *** account has been settled and closed out, which should satisfy the individuals complaint.

  Customer Answer

  Date: 04/24/2024

   
  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:12/04/2023

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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 writing to express my extreme disappointment and frustration with the recent closure of my accounts and the restrictions placed on my car loan payments. I am a long-standing LGFCU member with a consistently positive track record of paying my car loan on time, every month. Yet, despite my impeccable payment history, I'm now being forced to jump through hoops and risk default simply because my credit card payments are behind. This decision feels deeply unfair and disrespectful. My car is essential for my livelihood, and the threat of default looms large due to LGFCU's sudden and unreasonable restrictions. The upcoming closure of branches only compounds the issue, leaving me without convenient options to make my payments on time. This situation is causing me significant stress and anxiety. I feel helpless and abandoned by the institution I trusted with my financial matters. I urge LGFCU to reconsider its decision and allow me to continue making my car payments electronically. I am committed to resolving my credit card situation and regaining good standing. However, I cannot do so if my car loan is jeopardized due to LGFCU's inflexible policies. I implore you to review my case and find a solution that allows me to maintain my financial obligations and remain a valued LGFCU member. I am open to discussing alternative options and working collaboratively to address this issue. Thank you for your time and consideration.

• Initial Complaint

  Date:11/30/2023

  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 am writing to address a critical issue regarding the unauthorized sharing of my nonpublic information with the three credit bureaus, resulting in inaccuracies on my credit report. This breach of privacy, as outlined in 15 USC **** Section 602, has inflicted severe financial and emotional distress upon me.Under 15 USC **** Section 604 A Section 2, it's clear that a consumer reporting agency cannot furnish an account without my explicit written instructions. Additionally, per 15 USC **** B, a creditor is prohibited from deeming any payment on a credit card account as late under an open-end consumer credit plan.The account number in question is ******, and the inaccurate information furnished to *********** has had a detrimental impact on my financial standing and overall well-being.I urgently request immediate rectification of these inaccuracies, along with an assurance that my privacy rights will be respected henceforth. Your prompt attention to this matter is crucial to alleviate the distress caused.

  Business Response

  Date: 12/21/2023

  Hello, we received a member complaint, Complaint ID: ******** on December 18, 2023. Unfortunately, we searched our records by name, the contact information provided, and the account number listed in the complaint, but are unable to locate this member in our system. Are you able to provide additional information? Were happy to help with the response once we can identify and research their concerns. Thank you!

  Sent from ************************* (****************************************)

  
  

• Initial Complaint

  Date:12/28/2022

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  Had a vehicle loan, I owed less than 5800, I had been paying more than required payment. Vehicle was involved in accident and was totaled, my bank/insurer contacted LGFCU, for payoff, bank sent payoff to credit union, I received a bill for 2.27 cents, I call to see what was going on. I was first told that my insurer didn't pay the correct amount, my statement proved otherwise, then I was later told I didn't have gap insurance. Sounds like BS to me, insurer requested the payoff, the amount is good for 10days, credit union receives enough funds for payoff. So no money is owed and gap insurance for something that had been paid down wouldn't be required.

• Initial Complaint

  Date:11/21/2022

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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 completed a payment on 9/4/22 to someone who was supposed to sell me event tickets. The payment of $400. was made using the application "Zelle". This turned out to be a scam and after reporting it to the bank I was told there was nothing they could do since the application worked like a wire transfer. They are my financial institution and supposed to help with resolving fraud on my account, which they are not.

• Initial Complaint

  Date:08/01/2022

  Type:Billing Issues
  Status:

  UnansweredMore 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 sent in multiple letters on July 01, 2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.
  15 U.S code 1692 (g) validation of debt
  15 U.S code 1692d harassment and abuse
  15 U.S code 1692e False or misleading representations
  15 U.S code 1692f-Unfair practices
  Under 15 U.S code 1692k civil liability