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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:04/19/2024

      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.
      My Debit Card was Stolen on March 1 2024 and whoever had my card made a Purchase to Temu and Burger King the Purchase for Burgers king I got a Refund for but The one for Temu of $103. 83 I did not receive a Refund for I would like a Refund for $103.83 I did not have my Debit card in my Possession I disputed this Purchase because I did not make it and MCU denied my Dispute MCU do not help the Members get their Money back when is Stolen fraudulently

      Business Response

      Date: 05/15/2024

      May 15,2024 

      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 May 15, 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: 05/24/2024

      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:

      I would like a Refund I made a Dispute and it was not Granted I Appeal the Denial of the Dispute of $103.83 that was charged to my card on 03/02/24 because my card was lost or Stolen it was not in my Possession if I a Refund for the other things items Charged on my card on or around that day in late February early March 2024 why I cannot get a Refund for the Temu Charges of $103.83 someone used my Debit card a purchased items on Temu with my Debit card that is Fraud I want a Refund 

       

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 06/11/2024

      **** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on June 11, 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:04/08/2024

      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.
      On 3/31/24 I applied for a loan with Mcu for 3000 dollars. I have been a member since 2000 . 24 years and over a period of time I have received a few loans none over 3000 never late or default. I was informed by email that if they needed more info they would call me. On April 4th 2024 I was informed by Email! I was denied because of unsecured debt to income. If mcu knew I didn't have sufficient income why wait 4 days and not call me to see if I could resolve it. The decision has negative effects on my credit before and after the negative decision .A credit union I believe is there for the exact reasons they denied me.

      Customer Answer

      Date: 04/16/2024

      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.

      Sincerely,

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



       

    • Initial Complaint

      Date:03/28/2024

      Type:Billing Issues
      Status:
      Unanswered
      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.
      *********************** ********************************************************************************** ************************* MCU ************************************ Subject: Dispute of Late Payments on Account Dear Sir/*****,I am writing to formally dispute the late payments reported on my account with ********************** for the months of October 2022, November 2022, and December 2022. I have been a diligent and responsible customer with **********************, and I am confident that these late payments are inaccurately reflected on my credit report.On the mentioned dates, my payments were set up for automatic deduction from my payroll. As per the Fair Credit Reporting Act (FCRA) under 15 U.S.C 1666B, the timing of payment is crucial in determining the accuracy of reported information. Given that my payments were scheduled for automatic deduction from my payroll, it is evident that the delay in processing these payments lies with MCU rather than any negligence on my part.I kindly request that MCU investigate this matter thoroughly and remove these late payments from my credit report promptly. It is essential to uphold the accuracy and fairness of credit reporting as mandated by federal law.I appreciate your attention to this matter and look forward to a swift resolution. Please provide me with written confirmation once this dispute has been resolved.Thank you for your prompt assistance in rectifying this issue.Sincerely,***********************

    • Initial Complaint

      Date:03/27/2024

      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 made a bill pay to title choice agency for the title for my new house. They gave me an account number to send the money too. So through MCU I did a bill pay with the account number given by the title agency never received the money. And when I looked at the check that they sent to **************** it was under the wrong account number, now ********************** is telling me I have to call *********** to get my money back. I tried with *********** their not giving me any information on were the money went because I don't have a account with them. Now MCU is telling me there nothing they can do, so I lost out on my ten thousand dollars. Not fair I don't know what else to do thats a lot of money to lose out on. Please Help *********************************

      Business Response

      Date: 04/11/2024

      ***** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 11, 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,
      ***************
      ***************
      Manager, Fraud Investigations
      Finanical Crimes & Intelligence

      Customer Answer

      Date: 05/02/2024

      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: I haven't received my money back,

      And I would like to keep the case open until this is resolved. 

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 05/22/2024

      *** ******* 

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

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 21, 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,
      ***************
      ***************
      Manager, Fraud Investigations
      Financial Crimes & Intelligence

    • Initial Complaint

      Date:03/26/2024

      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.
      A fraudulent charge was made on both my checking and savings accounts using a card that was not opened by me, in my name, and the bank refused to give me back the funds. I repeatedly disputed the fraud, and the bank refutably told me that they have to continue to investigate. The disputes have started from January and still have not been resolved in the month of March. Each time I called they tell me that they need to investigate further and declined my claim to dispute, the fraudulent charges . I never requested a card or a new card different from the one that I had yet that was a different card that was used in the night of the fraudulent charges. The bank refuses to accept that the card was not used by me because the card was never opened by me, nor was it requested.

      Business Response

      Date: 04/03/2024


      ***** ** **** 

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

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 3, 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,
      *****************************
      *****************************
      Director, Member Support Operations 

    • Initial Complaint

      Date:03/26/2024

      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.
      I deposited a check on March 13th, part of the money for that check was released on that day. The remaining was on hold until March 22nd, 2024. The money was not released on that day, I called to speak to an agent on Saturday, they said a specialist would call me back on Monday, I called numerous times on Monday, never heard from anybody, I was suppose to get a call back on March 26th, as of today I have not received a callback. I called and was on hold for longer than 20 minutes. This is my money and I feel like its being held hostage, the funds are there and it is a valid check. My account is in the negative because the check was accepted then reversed. Again, I am on hold for over a half a hour, this is unacceptable, I work for this city and this is suppose to be the a reputable credit union.

      Business Response

      Date: 04/11/2024

      ***** *** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 11, 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,
      *****************************
      EFT Manager

    • Initial Complaint

      Date:03/22/2024

      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.
      This bank has failed to respond to several of my requests release my funds. I've emailed, called several times and still can't get my money placed back in my checking account. I paid my secure credit card off and was told my money would be placed in my checking. I was told my two representatives that I would see my money back in my account. It's still not there. I called numerous times asking to close everything out but they still haven't given my money back.

      Business Response

      Date: 04/03/2024

      ***** ** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 3, 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,
      *****************************
      *****************************
      Director, Member Support Operations

    • Initial Complaint

      Date:03/14/2024

      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 have been banking with MCU for over 10 years, a hold has been placed on my account. I went in person to Spring Creek branch, provided a new card, informed issue would be resolved in 24 hours. 3 days later still no access to my money. I called 3 days later spoke with supervisor **** who said the only thing he could do is and an email, and expect a response in 24 hours. 2 days later spoke with **** who provided the same response. This bank has denied me access to my income for over 1 week and the most they can assist is an email. This is unacceptable behavior. The customer service rep was unwilling to assist further than email even after sharing 1 in person visit and 3 calls within 1 week. A more appropriate response would have been, I can try to make contact myself. Terrible experience.

      Business Response

      Date: 04/03/2024

      ***** ** **** 

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

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



      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 3, 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,
      ***********************
      Director of Retail

    • Initial Complaint

      Date:03/13/2024

      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.
      MCU refuses to call me bank in order for me to pay off a loan.My dad died in august and ive placed phone call after phone call to try and pay off his debts and they just dont call me back. They make in impossible to even talk to a human being. i went into the branch and they said that i have to call the phone number which is just robots.This is becoming borderline criminal that the bank is purposely avoiding me its been 8 months now.please can you help me

      Business Response

      Date: 05/17/2024

      *** ******* 

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

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

      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, 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,
      ************************************
      Asset Recovery Manager

      Customer Answer

      Date: 06/03/2024

      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 sent me a letter saying to call them. i called them and it goes to a machine, i leave a message, they calle me back from a different number i dont know, and then processed to play phone tag with me for the duration of the day. 


      In my opinion, its a half assed attempt to get in touch with me, to have me call a number for it to not be a human and for them to call me back on different numbers.

      i never spoke to anyone, so my complaint still stands with them.

      sincerely ******

       

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 06/26/2024

      **** *** **** 

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

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


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

      Sincerely,
      ***********************
      Collection Manager

    • Initial Complaint

      Date:03/06/2024

      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.
      CASE NUMBER IS ********* $4000 was withdrawn from my savings the bank refuse to refund my money after submitting evidence of withdrawal.I would like to have interest on money due

      Business Response

      Date: 04/03/2024

      ***** ** **** 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 3, 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,
      *****************************
      EFT Manager

      Customer Answer

      Date: 04/15/2024

      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:

      [Your Answer Here]The Municipal Credit Union failure to accept the evidence that *********************** had nothing to do with my savings account and stated such.  The VA operates out and to checking account for direct payments.  This is the failure of MCU to take int account literally. The MCU refuse to accept the evidence to resolve the account.  They can not explain the manner and refuse to ask that they have to refund the money to my account.  I am insured by this bank..

       

      This entity has already retaliated against me on several of my account, directed to payment from the entity.

       

      This has been ongoing for over 5 years. Thank this platform for hold MCU accountable..I fear I will have to *** them in court I am trying to not let this be my last resolution.

       

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

       

       

       

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 05/15/2024

      *** ******* 

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

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 15, 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,
      *****************************
      EFT Manager

    Municipal Credit Union is NOT a BBB Accredited Business.

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