Complaints

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

close

Find a Location

CFCU Community Credit Union has 9 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  CFCU Community Credit Union

  1030 Craft Rd Ithaca, NY 14850-1016

• 

  CFCU Community Credit Union

  1022 Ellis Hollow Road Ithaca, NY 14850

• 

  CFCU Community Credit Union

  99 Sheraton Drive Ithaca,, NY 14850

• 

  CFCU Community Credit Union

  182 Port Watson Street Cortland, NY 13045

• 

  CFCU Community Credit Union

  15 Central Avenue Ithaca, NY 14853

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:04/17/2025

  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.

  My truck was repoed I believe illegally but no one will listen. To me. I paid 4900.00 in July 2024 to get my truck out. Says I'm the paper work I didn't owe never payment until September 26, 2024. I paid 907.00 8/26 then 9/26 paid another 907. I didn't realize until I made the payments that I didn't owe in Aug. I didn't pay in October because I thought they would be smart and put my aug payment to sept sept payment to November. 1 paid another 907 in November. I can't find Decembers payment, paid 1500 in Jan to help cover Dec. Paid 1000 in Feb and 1000 in march. Every letter and statement I get is different. I'm paying late fees every payment. My principal is barely moving. They harass me. No one will help me. I'm terrified they're gonna take my truck again. So from sept to March is 7 month which is 6328.00 I've paid them 6217.00 they say I'm two months behind owe 2000 dollars. I need someone to please help me. My credit is now screwed because they sya I'm late won't change it even when shown proof. I can't get a place to live, can't refi. My truck. They even stayed 97 cents short so late fee.

  Business Response

  Date: 04/21/2025

  To whom it may concern, Please let this letter serve as CFCU Community ****** *****’s (“CFCU” or “****** *****”) response to your letter dated April 17, 2025, in reference to the complaint filed by ******* ********* (*********) (please see attached “Exhibit A”), and received by your office, the Better Business Bureau (“BBB”), on April 17, 2025. Pursuant to the Complaint received, CFCU began its investigation into the assertions raised by Ms. *********. Please accept the response below to assist in the explanation of our investigation findings as we understand them. Through CFCU’s research efforts, it was discovered that Ms. ********* is not now and has never been a member of the ****** *****. We wish to inform the BBB, therefore, that we are not able to respond to the Complaint as provided. We suspect that as Ms. ********* resides in Bellaire, Michigan, the Complaint must be intended for another financial institution. Please advise if there is any further information that you might require. Best regards, Victoria ******Executive Assistant to CRO and General Counsel CFCU Community ****** ***** Cc: ******* *********, ***** ******** ******* *******   Phone: ************ • Email: ******************** • Website: **************

• Initial Complaint

  Date:07/10/2023

  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.

  About 7 months ago we purchased a car that is being financed by this credit union Within a couple weeks of this purchase I began trying to logon and setup an account on their website. It's a mess There is barely enough fuctionality for it to be useable and it doesn't update the fact that a payment has even been made!! I've called at least 4-5 times Talked a different person each time Each time I'm assured that it's either being worked on or I'm going to contacted when it's resolved Neither of which has happened And now I can't even get in to make this months payment which is due in a few days

  Business Response

  Date: 07/19/2023

  Good Morning,   Please see attached, CFCU's response to the above-referenced complaint.  Please let this letter serve as CFCU Community Credit Union’s (“CFCU” or “CreditUnion”) response to the notice letter from the Better Business Bureau (the “BBB” or the “Bureau”)dated July 10, 2023 (please see attached “Exhibit A”) and as response to the complaint filed withyour office (“Complaint”, please see attached “Exhibit A”) as submitted by ****** ****** (“Mr.******”) on July 5, 2023. Upon investigation into the assertions raised by Mr. ******, CFCU determined that Mr. ****** is not a member of the Credit Union. As a result of these findings, we wish to inform theBureau that we are not able to respond to the Complaint as provided. Further, it is CFCU’s understanding that the matter referenced in his Complaint has been resolved. . Please advise if there is any further information that you might require.  Best, Stephanie J*****

• Initial Complaint

  Date:05/02/2023

  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.

  Car loan. From day one I have been jacked for extra money saying that there was no full coverage when in Fact I did. They forced or harassed me by letter saying that I had to make extra payments. I did for a year. That wasn't enough. Now they want 257 when the payment is 183. Sara told me last month that when I made this final payment my payment would be 183. Now.today I'm told it's 257 plus a 15 dollar fee. ****** Bianco

  Business Response

  Date: 05/12/2023

  Kevin, Please see the attached extension request letter. We look forward to your response.To Whom It May Concern, Please let this letter serve as CFCU Community Credit Union's ("CFCU" or "Credit Union") response to the notice letter from the Better Business Bureau (the "BBB") dated May 2, 2023 (please see attached "Exhibit A") and as response to the complaint filed with your office ("Complaint", please see attached "Exhibit A") as submitted by ****** ****** ("Mr. Bianco" or "Member") on May 2, 2023, regarding Member's Vehicle Loan entered into on January 4, 2021 ("Agreement", please see attached "Exhibit B”), for a 2013 Chevrolet Impala ("Vehicle”).  Please accept the below information, including the attached Exhibits to support our response, in addressing the following accusations raised by the Member:  1. Member alleges that CFCU inappropriately charged him additional fees due to lack of full  coverage auto insurance, when he did in fact have full coverage on the Vehicle; 2. Member claims that CFCU harassed him when the Credit Union sent him letters saying he  had to make extra payments;  3. Member claims he made extra payments for a year; and  4. Member asserts that CFCU inappropriately charged Member $257.00 a month, plus a $15.00 fee, when he was told his payment on his Vehicle Loan would be $183.00 a month.  To Member's first assertion, "that CFCU inappropriately charged him additional fees due to lack of full coverage auto insurance, when he did in fact have full auto coverage on the Vehicle, CFCU respectfully disagrees with this assertion. In Member's Loan and Security Agreements and Disclosure Statement ("Security Agreement"), signed and dated January 4, 2021, Member promised to keep the Vehicle "insured against loss and damage", which the "amount and coverage of the [Vehicle] insurance must be acceptable to [the Credit Union]" and to "deliver the policy or proof of coverage to [CFCU] if asked to do so." Further, the Security Agreement allows CFCU to "monitor" the Vehicle Loan to verify that the insurance requirements have been complied with, and if it is not complied with, add insurance charges to the loan which "may increase [Member's]  payments to pay the amount added within the term of the insurance or term of the Loan” which said insurance "will cover only [the Credit Union's] interest in the Property" (please see attached "Exhibit B").  Based on CFCU's records, Member did not have the required insurance on his Vehicle from July 29, 2021, to August 19, 2021 (please see attached "Exhibit C"). Such insurance requirements included, 1) "[c]ontinuous insurance coverage with no lapse"; 2) CFCU "named as lien holder or loss payee"; and 3) "[c]omprehensive and collision coverage (or physical damages) with deductibles not greater than $1000" (please see attached "Exhibit C"). Accordingly, on August 31, 2021, CFCU issued an Insurance Reminder to Member, which requested proof that the Vehicle was adequately insured, and informed Member if he did not provide proof of required insurance, CFCU would purchase Collateral Protection Insurance ("CPI") coverage on behalf of Member to protect CFCU's interest in the Vehicle (please see attached "Exhibit C").  Member failed to provide the Credit Union proof of required insurance. Consequently, CFCU sent Member a Notice of Loan Payment Increase on September 9, 2021 (please see attached "Exhibit D"). Member's payments increased to $192.62, largely reflecting a CPI premium of $98, purchased by the Credit Union at the Member's expense (please see attached "Exhibit D").  Further, according to the Credit Union's records, Member cancelled his insurance policy on the Vehicle in 2022. Therefore, on June 7, 2022, CFCU issued an Insurance Reminder to Member, which requested him to provide CFCU proof that he had the required insurance, and informed Member if he did not provide proof of required insurance, CFCU would purchase CPI coverage on behalf of member to protect CFCU's interest in the Vehicle (please see attached "Exhibit E"). Again, Member failed to provide the Credit Union proof of required insurance. Subsequently, the Credit Union sent a Final Notice to Member, which again requested him to provide CFCU proof that he had the required insurance, and informed Member if he did not sufficient provide proof of required insurance, CFCU would purchase CPI coverage for the premium cost of $776.00 on his behalf (please see attached "Exhibit F”).  Once more, Member failed to provide CFCU proof of required insurance. Accordingly, CFCU sent Member a Notice of Placement of Insurance reminding Member of his contractual obligations to keep his Vehicle continually insured during the term of the Vehicle Loan (please see attached "Exhibit G"). Since CFCU was not provided acceptable proof of required insurance pursuant to the notices previously sent to Member, the Credit Union found it necessary to protect its interest by purchasing a CPI premium of $776.00 at Member's expense. Although Member may be frustrated by his increased Vehicle Loan payment, the Credit Union has a duty to protect its interest in collateral and did so appropriately.  Regarding the Member's accusation that CFCU harassed him when the Credit Union sent him letters saying he had to make extra payments, CFCU disagrees with Member's characterization of CFCU's correspondence with Member. CFCU sent correspondence to Member to alert him of his contractual obligations under the Security Agreement and provide notice that CFCU placed CPI on his Vehicle due to his default on his Security Agreement obligations (please see attached "Exhibit C", "Exhibit D", "Exhibit E", Exhibit F" and "Exhibit G"). This correspondence was not an attempt to harass Member, nor force Member to make extra payments.  Therefore, CFCU disagrees with Member's interpretation of this correspondence.  To Member's claim that he made extra payments for a year, CFCU wishes to reiterate its position in the above responses. The only "extra payments” made by Member, were additional costs due to the placed CPI coverage and late fees, further outlined below. Member did not make additional payments on his Vehicle Loan, but rather made larger monthly payments to reimburse CFCU for the insurance purchased for the Vehicle (please see attached "Exhibit H").  Regarding Member's claim that CFCU inappropriately charged Member $257.00 a month, plus a $15.00 fee, when he was told his payment on his Vehicle Loan would be $183.00 a month, CFCU again wishes to reiterate its position above. While Member is correct that his monthly payment on his Vehicle Loan was initially lower, $183.99, his payment increased to $252.31 due to the CPI coverage outlined above (please see attached "Exhibit H"). This increase is in alignment with the Security Agreement, which allows the Credit Union to charge Member for any insurance costs borne by the Credit Union and said costs will be added to the unpaid balance of the Vehicle Loan, which will then be subject to interest at the same rate of the Vehicle Loan (please see attached "Exhibit B"). As to the $15.00 fee referenced by Member, CFCU cannot find any evidence to substantiate this claim. However, based on CFCU's records, Member was charged a late fee of $12.62 on October 12, 2022, November 12, 2022, December 12, 2022, January 12, 2023, and February 12, 2023 due to late monthly payments on his Vehicle Loan (please see attached "Exhibit H”).  Based upon the above, CFCU believes this Complaint is outside the scope of Credit Union responsibility, and therefore does not require mitigation or recourse on behalf of CFCU. We therefore ask the BBB to concur with CFCU's understanding that CFCU's actions have been property and appropriate and find there is nothing further required to address Member's Complaint. Please advise if there is any further information that you might require.  Stephanie J*****CFCU Community Credit UnionRE: Complaint #********

• Initial Complaint

  Date:04/05/2023

  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 have been a loyal customer of CFCU bank for 25 years. Approximately may of 2022 I attempted to fix my bank account as I kept getting overdraft charges when I put money in . I asked for a forbearance on a loan to get this fixed through me and my mother . This went through but I wasn't told about it and CFCU started reporting mine and my mother's credit To the credit bureau instead of telling me what was going on. I have recorded 22 conversations on a recorder Since approximately may 2022 That I repeatedly asked them to stop reporting my credit, redact mistakes And try to fix this issue. I even spoke to their legal team for 3 months And they stated they would resolve this issue and stop reporting me & my Mother's credit yet they have never stopped reporting it Fraudulently. I have lost thousands of dollars due to this And working as a nurse practitioner in the pandemic And having my entire bank discontinued by the bank, my mother's business credit ruined and my business credit ruined as a loyal customer. They have only responded with threats & Have never tried to fix the issue when I can prove it easily. I seek recourse of my credit and the thousands of dollars lost. CFCU bank continues to not respond in any way For months and have done nothing to fix the issue as I said. Thank you for helping me with this issue as it has severely impacted my life negatively and the lives of many of my patients.

  Business Response

  Date: 04/18/2023

  Good Morning, Please see the attached response in reference to BBB Complaint # ******** with the Complainant listed as ***** ****.  Best, Stephanie J***** *************************** To Whom it May Concern, Please let this letter serve as CFCU Community Credit Union’s (“CFCU” or “Credit Union”) response to the notice letter from the Better Business Bureau (the “BBB”) dated April 10, 2023 (please see attached “Exhibit A”) and as response to the complaint filed with your office (“Complaint”, Exhibit A) as submitted by ***** **** (“Mr. ****” or “Member”) on April 5, 2023, regarding Member’s Account and Credit Report. CFCU disagrees with the rendition of events as shared by Mr. **** in the Complaint. The Credit Union has attempted to speak with Member in a productive manner without success. As a result, the CreditUnion has enlisted the assistance of outside counsel. Unfortunately, to-date, there has been no effective communication.