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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.
    • 67 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:01/28/2025

      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.
      I am a new client of MCU and opened a checking account with a promise of a bonus of $200. I met the requirements of opening my account prior to 12/31/24 and having a direct deposit of more than $200. I had $240 deposited in disability health income from **********. I am disabled. I told MCU representatives on a multitude of occasions that it was disability income. MCU refused to pay and I got a letter from ****** ********** stating that I hadn't been paid because I didn't meet the criteria of a direct deposit because I had just transferred funds from a different account and an "entity" had to make an electronic transfer. An entity DID make a transfer - State Farm for disability income. I could not make a transfer from **********'s corporate account it's literally impossible, it had to be a direct deposit from them. The fact MCU doesn't consider people on disability human and count their income is disgusting and discriminatory. I met the terms when I had an entity (**********) transfer my pay ($240) in excess of $200. That MCU is using my disability against me is disgusting. I met the terms and it's time for them to pay the money.

      Business Response

      Date: 01/29/2025

      January 29, 2025 

      Better Business Bureau:

      Re: Complaint File No. BBB ********

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on January 29, 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,
      ****** **********
      Marketing Department

    • Initial Complaint

      Date:12/17/2024

      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.
      I was preapproved for a loan of 25K. The dealership was able to pull a loan for 32K without my approval . How were they able to get a loan for 7k more without my approval ? I was preapproved for ****** on 10/15/2024. I went to purchase a vehicle on 10/16/2024 using this preapproval. The dealership created a loan 10/16/2024 for ********* which was approved 10/21/2024. Thats 5 days after I took the car off the lot. How was my bank able to approve a second loan without my confirmation? Why was No signature or Authorization needed for this?

      Business Response

      Date: 01/07/2025

      ******* ****** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on January 7, 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:12/03/2024

      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.
      My MCU Dispute ID #*****. On September 25, 2024, I received an automated call from MCU about possible usual activity on my account. There is an ********************** branch never my job so I walked over there to see what was going on with my account. The *** asked me if I had made any recent transactions on against my account, I told her no. She said I had don't an ATM transaction that day transferring $10, 000 from my savings account to my Checking account. She then informed me that from 09/16/2024 to 09/24/2024 that $1,000 each day was withdrawn from an MCU ATM against my account totaling $9,000. I told her I didn't make any of the transactions. The *** transferred back the $10, *************************************************************************************************************************************************** and when I checked I didn't. After I went to the police and filed a report, I went home and found the card in my drawer. When I looked at the card I realized t,hat it was expiring in September an realized that MCU would have mailed me a new card. In September 2024, MCU mailed me the debit card to replace my expiring debit card. I was not aware that a card was mailed to me, so I wasn't expecting the card and did not realize it never came. I don't usually use the card. It primarily for saving so I don't usually take funds out of it.MCU is claiming that because someone activated the card and in order to it activate it , they new my personal information such as, full social security number, cell phone number, date of birth so it had to be someone I know. Based on this information that the activities was not fraudulent and is refusing to reimburse me the $9,000 that was take. I have reported fraud to the Police and they are investigating the crime. Det. ****** *************) is the Police officer handling my case. I need help resolving this issue.

      Business Response

      Date: 12/13/2024

      ******** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on December 13, 2024.  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: 12/20/2024

      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:MCU indicated in their response that they put the funds back in my account. As of December *******, the funds are not back in my account. I sent them an email today informing them that they did not put the funds back in my account. I hope to get a response by Monday from MCU.

       

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 01/04/2025

      ******* ****** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on January 4, 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:11/25/2024

      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 have been a client of the NYC Municipal Credit Union (savings account) for many years. Account # ************ havent added or withdrawn funds from the account since the initial deposit. The last balance (April 2024) was $2,376.10. In April 2024, I changed the address on account from ** to **. Today, I was unable to log in to my account. I spoke with ********************** customer service who advised the my account was closed (this quarter)! and my funds were sent to *********I did not receive a notice about this and my address is up to date. Im almost 80 yrs old and I need my savings. Please advise how to get my savings returned.Thank you ***** *******

      Business Response

      Date: 12/12/2024

      ******** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on December 12, 2024.  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:11/06/2024

      Type:Product 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.
      On October 8, 2024 MCU ************* charged me $1900.00 (transaction ID #************* for a balance transfer to my MGM **** card electronically. Although it is posted on my account, incurring finance charges, MGM **** card never received the payment. In their efforts to try and locate the funding, *** needed a TRACE ID from *********************** I called MCU several times on several days, they verified my information numerous times, spoke to representatives; Ms. **** ******** Tionna, Shonda, *****, Mr. ********* ********* who all switched me to supervisors; Ms. ******* ********* Mr. ***** I was advised that MCU is not able to provide a trace id number but would reach out to their support team and call me back within one business day to resolve the issue. As of November 4, 2024, 10 MCU staff members have only verified that the funds were distributed. NO ONE has been able to tell me if the electronic payment was processed. Unacceptable! Most financial institutions can trace where funds are distributed, is MCU the outlier? Very Disgusted,

      Customer Answer

      Date: 11/07/2024

      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 and the matter has been resolved.

      *** received the payment and posted it to my account.

      ********************** does NOT have to cancel payment because it has been located and applied to my account.

      Sincerely,

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



       


    • Initial Complaint

      Date:11/04/2024

      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.
      Bank making UNAUTHORIZED payment stating it's a Payroll deductions I don't work haven't worked in 4 or 5 years I am retired and they keep payroll deductions I went to the bank 2 twice and they said they would handle they did not and my money keeps leaving my account I should not be on anyone payroll ITS A UNAUTHORIZED CHARGE MCU has done this twice I'm exhausted THATS MY MONEY I DO WITH IT WHAT I WANT no bank has the right to take anything without my permission and I would like my money returned I never gave permission

      Business Response

      Date: 11/07/2024

      ******** ** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on November 7, 2024.  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:10/30/2024

      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 have been an MCU member for over 20 years. I had my disability insurance, hospital insurance as well as car payments being deducted out of my check. Earlier in the year I applied for a Personal loan that was approved. When I went into the bank to sign for my loan and to approve the deduction of the loan to come out of my check. The representative unknowing to me, did not complete the paperwork correctly. And she/he stopped my CARloan from being deducted from my check, I received calls from the MCU and I explained to them that it couldnt be possible because my car loan was not to be altered, and it was just supposed to be the personal loan added. Because of this Errow on MCU, my disability insurance as well as my hospital coverage both lapsed. And I was hit with a 30-day as well as a 60-day notice on my credit report. That has affected my ratings. Every time I called MCU I was either placed on hold for 45 minutes to an hour and my issue was never resolved When I applied for the loan and the loan was approved that should have been the only thing added, instead, my entire account and my ********************** were messed up. I would llke for someone to reach out to me to fix this problem

      Business Response

      Date: 11/07/2024

      ******** ** **** 

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

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



      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on November 7, 2024.  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: 11/19/2024

      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 and the matter has been resolved. I was happy with the outcome from MCU and I would have loved to report that on your website. 

      Sincerely,

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



       

    • Initial Complaint

      Date:10/22/2024

      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 Oct 1 2024 I contacted Municipal Credit Union to do balance transfers from my creditors to My MCU credit card for a promotion running until 0ct 15th . The balance was transferred to my MCU credit card but 3 creditors have NOT received their checks . And a result I have 3 delinquent Accounts ,just what I was tryin to avoid . I started calling a representative after 3 business days . Enquiring why have these creditors not been paid .. members serivces transferred me to credit card services 10/8/24 . Today is 10/21/24 and Im still getting shifts from on e que to the next . No one can get these checks canceled and replace to my creditors. And Ive explained that the accounts are a;l now delinquent thanks to them , I did my own Balance transfer by their online banking,but I was advised by a bank officer to call the number on the back INSTEAD! Which was bad information. That generated a paper check sent by **** and they havent been received. She had it wrong and should have suggested that being it takes 14 days . We are now past the 14 days I was originally told to wait . Here I am on 10/21/24 and Im expected to pay MCU and my creditors to bring my account current.they were to be paid off and closed smh . All these weeks between the ugh and today 10/22 I have been in Que and yesterday the supervisor promised to call back when she knew an answer and NO return call .so what do I do call again and again .their staff is horrible and unprofessional in presentation and appearance.

      Business Response

      Date: 11/02/2024


      ******** ****** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on November 2, 2024.  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:09/19/2024

      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 to formally dispute the account listed below that I did not open and is a result of identity theft:Creditor Name: MUNICIPAL ECU - I/L Opened Date: 03/17/2023 Account Number: ********** Balance: $18,000.00 I am a victim of identity theft, and I have filed a report with ***************** to document this matter. I kindly request your assistance in investigating this fraudulent account and removing it from my credit report.Enclosed are copies of my credit report highlighting this unauthorized account, as well as any relevant documentation to support my dispute. Please let me know if you require any additional information to expedite the resolution of this issue.

      Business Response

      Date: 09/26/2024

      Re: Complaint File No. BBB - ********

      We are in receipt of the complaint for the above-referenced member.  We addressed this matter directly with the member by mail on September 26, 2024.  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.   

    • Initial Complaint

      Date:08/29/2024

      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.
      I am not liable with this debt with MUNICIPAL CREDIT UNION. I do not have a contract with this collection agency trying to collect and trying to report this to my credit report. They didnt provide me with the original contract which was requested. When attempting to contact the agency the number is disconnected which leaves me limited to communicate.

      Business Response

      Date: 09/10/2024

      ********* *** **** 

      Better Business Bureau:

      Re: Complaint
      File No. BBB –  ********

      We are in receipt of the
      complaint for the above-referenced member. 
      We addressed this matter directly with the member by mail on September 10, 2024.  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: 09/20/2024

      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:

       


      After conducting thorough investigations, it has come to our attention that each credit bureau is reporting varying amounts of owed money, and other inaccurate information. It is imperative for MCU to accurately report information, which unfortunately has not been the case. I kindly request the prompt removal of this inaccurate information from my credit report, as it has significantly impacted both my family and my life. 


       


       


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




      Sincerely,


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









       

      Customer Answer

      Date: 10/23/2024

      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:


      Dear BBB,
      I am writing to formally notify you that Municipal Credit Union has not addressed the issues and concerns I raised in my initial complaint. Furthermore, I have not received any communication from Municipal Credit Union, nor have I been provided with an operational contact number. The contact number given to me is currently inactive.

      Additionally, I wish to bring to your attention that Municipal Credit Union has reported inaccurate information to the credit bureaus, which further complicates my situation. I have included the contact information preferred by Municipal Credit Union for your reference.

      Thank you for your attention to this matter.

      Sincerely,

      **** ******** 



      Sincerely,



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









       

      Business Response

      Date: 11/04/2024

      ******** ** **** 

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

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

      We are in receipt of the
      complaint for the above-referenced member. 
      We addressed this matter directly with the member by mail on November 4, 2024.  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,
      ****** *****
      ****** *****
      ******** *********** **********

    Municipal Credit Union is NOT a BBB Accredited Business.

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