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Business Profile

Credit Union

Municipal Credit Union

This business is NOT BBB Accredited.

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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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/14/2025

      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.
      About March 23 ***** I was invented by an ink own source to enter A cash app to earn some money to access an account on line money app all I would do is to enter an amount and start the action keep adding the numbers then I had a negative then it say add money and add money till it reaches 580 on their side so I took that money through the system, had a problem so I contacted the cash app specialist for instructions how to deposit the money into my linked bank account I got to money into my account that was at about 11: am .I logout of the app. And open my menu screen for MCU app to see if the money was really there , ok it's there I loved out. By 5 :pm the person that invited me to the money market account say what happened where did you go I say was eating but you didn't show up so I put the money in my account. Disconnect. By 11:pm I opened the MCU login checked the money was gone. I called the cash app specialist I told him what took place he say he don't know what happened. Next day I called MCU to report a dispute of amount that have been disappeared, replied they don't see any missing money. So a investigation and they gave me 580 credit. In the summary they say the money went back. So the took the money out of my account if the ************************** and say I have the money in the app. There was no money there the person that tell me about the app could not be connected.

      Business Response

      Date: 03/19/2025

      ***** ******* 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 19, 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:03/11/2025

      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.
      On March 7, 2025 I deposited my turbo tax check in the amount of ********. After depositing the check I received a slip which gave me ****** balance and inform me of three dates the money would be release. On March 11, 2025 I check my account I had a overdraft of ******. I contacted the bank where I was told they took the money back and existed my release date..due to verification of the check. I now have overdraft account no money and a trip on March 15, 2025 in which I can't use this account to travel. I informed MCU this is check was deposited last year from the same company. I have been a customer for over two years. This is unfair treatment to the customer. I am asking for help in resolving this matter.

      Business Response

      Date: 03/19/2025

      ***** ******* 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 19, 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:03/07/2025

      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.
      On 3/7 I visited the MCU branch to replace my debit card and waited over an hour to be issued a new replacement. I was told to wait another hour for the card to activate in which it did not. I'm stuck with a card with no way to access my funds as their customer service hours are not over the weekend. This is absolutely unacceptable to be issued a card that doesn't even work. MCU has been extremely unhelpful in my experience and continue to make me feel unwelcomed and as if I shouldn't bank or do any business with them.

      Business Response

      Date: 03/19/2025

      ***** ******* 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 19, 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:03/03/2025

      Type:Billing Issues
      Status:
      Unresolved
      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.
      Received mail from Mcu 3/3/2025 And was told 4 years ago my account was closed i still have letters from nassau county judge over issue with them . I dint have Zero business with MCU bank and would like them as they said not contact me or open any accounts in Fraud or any FRAUD collection SCAM i have zero zero business with MCU and owe Them Zero and would like them to remove my info from there system i am not a member don't dent me letters about any accounts

      Business Response

      Date: 03/25/2025

      ***** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 25, 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,
      ****** *****
      ****** *****
      ******** *********************

      Customer Answer

      Date: 03/26/2025

      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: They MCU stated they sent a letter to the member directly on 3/25/2025

      i'm not sure what they are trying to pull but i am not a member of MCU Bank I have zero Accounts open with ********************** i also have Zero debt to MCU bank Zero business with MCU bank AND NEVER WILL i would like them to stop contacting me in writing or phone and to stop trying to access my credit without my permission(soft inquiries) . I am NOT a member of mcu in any part have zero business since ******************************* i have no business with MCU. I would like the letter they said they mailed made public to better business bureau immediately i have no business with them (MCU) to keep private

      [Your Answer Here]

       

       

       

       

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


      Sincerely,

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




       

    • Initial Complaint

      Date:02/27/2025

      Type:Service or Repair 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 was scammed by a company I thought was *******. I was attempting to arrange travel ****** services. After paying the company and not receiving confirmation of travel booking, I realized I was scammed. I submitted an fraud complaint with MCU who denied the request. I submitted documents for an appeal to the provided email address *************************************** as well as called their customer service number to no avail. The representatives are claiming they havent received the dispute information and someone will call me back when they do receive the email. Ive sent several emails with the first being on 2/4/25 and the second on 2/7/25. I have documents to support it was a fraudulent company and I would like the opportunity to dispute the appeal to get my money back.

      Business Response

      Date: 03/08/2025

      ***** ** **** 

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

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 8, 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

      Customer Answer

      Date: 03/15/2025

      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:02/26/2025

      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 a formal complaint against Municipal Credit Union for violations of my consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). I recently obtained my Experian credit report and noticed that Municipal Credit Union is inaccurately reporting a charged-off account with the following details:Account Name: ********************** Account Number: *********** Date Opened: 02/11/2021 Status: Charged-Off ($4,551)Upon reviewing my credit report, I have identified the following legal violations:Violation of 15 U.S.C. 1681s-2(a)(1)(A): Reporting Inaccurate Information The account in question is being reported as charged off with an outstanding balance of $4,551. According to the ****, furnishers must report information with maximum possible accuracy. If a debt has been charged off, it should not continue reporting a balance.Violation of 15 U.S.C. 1681c(a)(4): Obsolete Debt Reporting Charged-off accounts must be removed from credit reports no later than seven years from the date of first delinquency (****). If the **** was incorrectly reported or re-aged, it extends the reporting period unlawfully.Violation of 15 U.S.C. 1692e(8): Misleading Credit Information Continuing to report a past-due balance on a charged-off account is deceptive and may mislead creditors. The balance should be listed as $0 if the account was truly charged off.Violation of 15 U.S.C. 1681b(f): Impermissible Use of My Credit Report If this debt was sold or transferred, Municipal Credit Union no longer has a permissible purpose to continue reporting this account under the FCRA.I have already disputed this inaccurate reporting with the credit bureaus, yet Municipal Credit Union has failed to correct the errors. As this misreporting is negatively affecting my creditworthiness, I am seeking immediate resolution.

      Business Response

      Date: 03/20/2025

      ***** ******* 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 20, 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,
      ****** *****
      ****** *****
      ******* ***************

      Customer Answer

      Date: 03/20/2025

      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:02/23/2025

      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 submitting a complaint regarding an unauthorized account listed on my ********************** report, which I believe is due to identity theft. The account in question is MUNICIPAL CREDIT UNION (Opened Date: 11/17/2006, Account Number: ********. Despite my attempts to resolve this directly with the credit reporting agency, the issue remains ************* a victim of identity theft, I kindly request the BBB's assistance in investigating and removing this account from my ********************** report.Thank you for your prompt attention to this matter.

      Business Response

      Date: 03/20/2025

      ***** ******* 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 20, 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:02/23/2025

      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.
      On February 1, 2025, I transferred $1,000 from my checking account to my ********************** card. Unfortunately, the system mistakenly processed an additional $1,100, bringing the total transfer to $2,100.However, when I checked my credit card statement, only $1,000 was posted. The remaining $1,100 seems to have disappeared.I have called twice to resolve this issue and recover my missing $1,100. Instead of correcting the problem, the bank reversed my credit card payment and returned $1,000 to my checking account. This does not address the real issueI am still missing $1,100 from my checking ********** has now been three weeks since I first reported this. This is causing me significant inconvenience, as I am unable to properly manage my finances and access the full amount of my funds. Customers should not have to experience this kind of issue, and they should not have to make multiple attempts to resolve it. This should be a straightforward fix. Please correct this matter as soon as *************,***** ******

      Business Response

      Date: 03/05/2025

      ***** ** **** 

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

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 5, 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    
      Card *******************

    • Initial Complaint

      Date:02/13/2025

      Type:Sales and Advertising 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.
      On July 3 2023 we purchased a car from sure car and got a loan with MCU credit union but the problem is that this bank committed fraud with my purchase The dealer we purchased a car from sure car and find out the committed fraud because nothing was processed we couldnt register the car we bought from sure car because someone had to be working with someone there to approve this loan and now the other company the I trade in my car with is no longer on business they never pay off my loan and now Im stuck with two loans because of this mess I went to court and they told me I had to file a complaint with you guys against the bank and take it from here if someone could reach out to explain better

      Business Response

      Date: 02/21/2025

      ******** *** **** 

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

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on February 21, 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,
      ***** ****
      Manager, Lending Business Programs, Support &Simplicity Partner

    • Initial Complaint

      Date:02/08/2025

      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.
      I visited the ************************ branch on 2/7/25 and deposited $105 into the atm terminal ******. The atm did not add my money into my account and then it never returned my money. I called customer service and basically was told I have to wait up to 90 days to get my money back. I then went into a branch and tried to speak with the manager named **** and she basically ignored my concern. I then spoke to a *** named ******** that said she can only do a dispute and that dispute could take two weeks for me to get my money back. I then said, I have receipts showing the money was not returned to me and she said they have no control of the funds in the machine. Basically I was given the runaround for my money that was stolen by their machine. I never got my money and I waited till and gas twice to get from ** to ** about my money. Absolute robbery and I demand my money returned immediately.

      Business Response

      Date: 02/14/2025

      ******** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on February 14, 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,
      ****** *********
      VP Member Experience

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