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Business Profile

Credit Union

Municipal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Municipal Credit Union has 10 locations, listed below.

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    Customer Complaints Summary

    • 227 total complaints in the last 3 years.
    • 68 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/26/2025

      Type:Order Issues
      Status:
      Answered
      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 not liable for the debt claimed by ****** CR UN. There is no contractual relationship between me and ****** CR UN, and they have not supplied the original agreement as requested.

      Business Response

      Date: 07/09/2025

      **** ** ****

      ****** ******** *******

      *** ********* **** *** *** ********


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on July 9,2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      The Collection Department
      Municipal Credit Union

    • Initial Complaint

      Date:06/02/2025

      Type:Billing Issues
      Status:
      Resolved
      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 filing this complaint against Municipal Credit Union (MCU) due to unlawful and deceptive credit reporting practices. The account in question (Account #************ was closed and charged off in 2023. However, MCU continues to update this account on my ********************** report with a new ** (Charge-Off) status every single month most recently as of May ******************************************** payments. This gives the false impression that the account is actively delinquent, which is misleading and a violation of the Fair Credit Reporting Act (FCRA). I did not pay any money directly to the company during this time, and I have not received any communication from MCU offering to resolve this matter. The credit bureaus mark the account under dispute, yet MCU continues to update it monthly anyway. *** also filed formal complaints with the ****, ***, and the ***********************************************. This appears to be deliberate re-aging of a closed account to harm my ********************** standing, and I am requesting that MCU immediately cease updates and permanently remove this account from all consumer reporting agencies.

      Customer Answer

      Date: 06/04/2025

      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 and the matter has been resolved.

      Sincerely,

      ****** *******



       

    • Initial Complaint

      Date:05/21/2025

      Type:Billing Issues
      Status:
      Answered
      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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

      Business Response

      Date: 05/30/2025

      *** ******* 

      ****** ******** *******

      *** ********* **** *** *** ********


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 30, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution.Thank you for bringing this matter to our attention.

      Sincerely,
      *** *********** **********
      ********* ****** *****

    • Initial Complaint

      Date:05/14/2025

      Type:Billing Issues
      Status:
      Answered
      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 in response to Municipal Credit Unions reply to my initial BBB complaint. Their response does not resolve the issue and fails to acknowledge the ongoing Fair Credit Reporting Act (FCRA) violations.The account in question (Account #************ was charged off and closed since 2023. Yet MCU continues to furnish monthly charge-off notations and an increasing balance, which is a deceptive and unlawful practice known as re-aging. There have been no payments, activity, or legitimate updates, and this misleading practice is damaging my credit. A charged-off account must not be updated as if its newly delinquent every month. This is misleading, unlawful, and punishable under federal law.

      Business Response

      Date: 05/28/2025

      *** ******* 

      ****** ******** *******

      *** ********* **** *** *** ********


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 28, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution.Thank you for bringing this matter to our attention.

      Sincerely,
      The Collections Department
      Municipal Credit Union

    • Initial Complaint

      Date:05/14/2025

      Type:Product Issues
      Status:
      Answered
      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.
      returning of funds from a dispute from BJ's for taking unauthorized funds from my checking account, refuse to repay and return to account.

      Business Response

      Date: 05/17/2025

      *** ******* 

      ****** ******** *******

      *** ********* **** *** *** ********

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 17, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution.Thank you for bringing this matter to our attention.

      Sincerely,
      ***** ******
      Card Services Supervisor

    • Initial Complaint

      Date:05/07/2025

      Type:Billing Issues
      Status:
      Resolved
      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 had my MCU account for over 10 years and never had any issues. Now my account is restricted for no reason. I called every number member services has given me, even fraud prevention services. They don't know what is wrong, only to be in a situation where now I can't take out my direct deposit pay stub to feed myself and my family. I will have to close this account. Please don't get MCU. It's worse than **********. I made a terrible MISTAKE TRUSTING THIS BANK WITH MY MONEY; NOW I CAN'T EVEN TAKE IT OUT. Response time to help is outrageous. Now I have to collect bottles or panhandle money to PURCHASE MEDICINE AND FOOD TO HELP AND FEED MY FAMILY !!!!

      Customer Answer

      Date: 05/12/2025

      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 and the matter has been resolved.

      Sincerely,

      ******* *****



       

    • Initial Complaint

      Date:05/04/2025

      Type:Billing Issues
      Status:
      Answered
      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 received a letter of intent to foreclose from Municipal Credit Union, requesting that I pay $2,450.00 to bring my account current. After fulfilling the requested payment, I was informed that the amount incorrect, and they are now demanding an additional $755. Despite fulfilling my obligations based on the letter I received, this additional demand has been made.Municipal Credit Union has acknowledged making a mistake is unwilling to rectify my account. I have sent emails expressing my concerns and requesting that this matter be addressed. However, the issue remains open and unresolved.

      Business Response

      Date: 05/17/2025

      *** ******* 

      ****** ******** *******

      *** ********* **** *** *** ********

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 17, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution.Thank you for bringing this matter to our attention.

      Sincerely,
      The **********************

      Customer Answer

      Date: 06/27/2025

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because:


      According to the email I received, I was supposed to receive an official letter at my home address. To date, I have not received any such letter, and the matter remains unresolved.

       

      Please let me know how this issue can be resolved. 

       

      Thank you for your attention to this matter. I look forward to your prompt response. 


       


       


       


      In order for the BBB to appropriately process your response, you MUST answer the question above.




      Sincerely,



      ****** ******









       

      Business Response

      Date: 06/28/2025

      Copy of the letter dated May 17th was resent to the member. Please allow 5-7 business days for delivery

    • Initial Complaint

      Date:04/30/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Municipal credit union has stolen $80 of my money that was mistakenly sent to a different account. I have supplied municipal credit union with proof and they denied my claim with no law, no policy just opinion on what the receiver can and cant do even though the receiver stated it was the wrong account which that individual also has MCU. The bank is responsible and I am holding them accountable.

      Business Response

      Date: 05/03/2025

      *** ** **** 

      ****** ******** *******

      *** ********* **** *** *** ********


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 3, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      ***** ******
      *** ********** * **** ********

    • Initial Complaint

      Date:04/29/2025

      Type:Customer Service Issues
      Status:
      Answered
      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.
      Date of Transaction - 4-28-2025 I am writing to file a formal complaint against Municipal Credit Union (MCU) for what I believe to be the unjustified and intentional withholding of funds from a recently deposited check, as well as for extremely unprofessional and rude customer service.I deposited a check into my account with **********************, expecting the standard processing and clearing time. However, MCU has effectively held my funds hostage without providing a clear or consistent explanation. When I contacted their customer service via phone to request clarification, I was met with rude and dismissive behavior from multiple representatives. Rather than assist me, the tellers offered spiteful and unhelpful solutions, often speaking over me or making statements that lacked any real resolution or logic.Additionally, I was placed on hold for extended periodssometimes more than 30 minutesonly to be met with more indifference when the call was finally answered. I strongly suspect that the check was intentionally cleared a day late in retaliation for my persistence in following up, which only compounds the unethical nature of this ************* a customer, I expect transparency, courtesy, and reasonable access to my funds. MCU has failed on all accounts. I am requesting that this matter be investigated and that MCU be held accountable for its actions, in terms of how it handles deposits and treats its customers.Thank you for your attention to this matter.

      Business Response

      Date: 05/13/2025

      *** *** **** 

      ****** ******** *******

      *** ********* **** *** *** ********


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 13, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      ******* *****-******
      The *********************

    • Initial Complaint

      Date:04/15/2025

      Type:Billing Issues
      Status:
      Resolved
      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 filing this complaint regarding a charged-off account with ********************** (Account ending in XXXX), which is being reported inaccurately on my credit reports. Despite submitting numerous disputes, the account continues to come back verified with no actual investigation or correction of the disputed information.I have sent multiple formal disputes highlighting factual inconsistencies in the payment history and balance reporting across Experian, Equifax, and TransUnion, which have either been ignored or responded to with generic updates that do not address the specific errors.I am now sending a formal cease and desist letter to Municipal Credit Union, demanding that they stop reporting this disputed account and cease all further updates, as they are in violation of my consumer rights under the **** and FDCPA.

      Customer Answer

      Date: 04/16/2025

      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 and the matter has been resolved.

      Sincerely,

      ****** ******



       

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