We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Union

Oregon Community Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

Customer Complaints Summary

  • 35 total complaints in the last 3 years.
  • 17 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:02/28/2024

    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.
    Oregon community credit union

    Business Response

    Date: 03/08/2024

    Hello,

    Please find attached OCCU's response to Complaint ID No. ********. Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:11/22/2023

    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 purchased a new car in the beginning of this year from Arottas Auto **** a ********** Mirage G4 and have been paying on it since February. I had a good score on my credit card before I did this. I will admit, a few months I was maybe 2 or 3 days late on payments but I have always paid. After trading in my original car for the one I have now, I was offered this new loan from OCCU. I went through 3 months of nothing wrong with my credit score. Suddenly I had my payments coming back to me from OCCU while banking with STCU here in ******* **. The problems started with phone calls coming from OCCU stating that my car payments were not coming in. Im not knowing who to blame but my score went down drastically. This month, OCCU called me and told me that my bill was not paid this month. I told them that I paid online through their website. The person on the phone checked and then said that I paid only ****** out of the ****** that I owed them. I actually paid ****** through their website. My credit score went down dramatically due to them telling the credit bureau that I did not pay. The payment was on the 20th and I paid them. I would like to report this OCCU company for falsely reporting a non payment not once but at least 4 times. My credit score is supposed to be up close to 700! I am a 59 year old female with 4 jobs and no reason to not pay my bills on time, the car is my money maker so I NEED it. *** had no problem with ANY other bill that I pay, so why is it so difficult for OCCU and/or STCU to figure this out? The other car that I had before this had no problems with receiving payments from a different company which was bought at the same dealership.

    Business Response

    Date: 12/28/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. ******** *******. Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:08/07/2023

    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 was unemployed and could not afford full coverage insurance for my auto loan. I parked the car. **** told me that they were gonna charge me an extra 100$ a month for collateral insurance but as soon as I got proof of insurance they would remove the extra charge. When I got a job and could afford insurance and provided the info to them they dropped a bombshell on me and said they added ***** dollars onto my loan principal and completely reversed what they told me before. It's not fair they lied to me and made me think that when I got auto insurance my payment would go back to normal. ************** for a year does not cost $***** in any case. I feel like I got scammed. This is classic bank bait and switch. They told me they were buying monthly collateral insurance. They didn't mention any of the $***** and increased monthly payment until after I provided proof to their insurance department. That's something that should be conveyed up front. If I had known the truth I would have done things differently. For instance, they credited me back $1000 of the $5000 they said they spent on the collateral insurance but my Payment didn't go back down any. Before it was around $450. Now it's $555 a month.

    Business Response

    Date: 08/25/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. ********, *********. Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:07/14/2023

    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 opened a new acct at Occu and I run a cleaning business and usually cash checks at like ******* and places like that because I hate banks, well all was going good til my acct got frozen because the amount of checks I deposited, the checks have cleared but ***** a lady that works there has been treating me horribly and wont release my acct or my funds, I have over $2500 in that acct and need the money that is rightfully mine, ***** kept asking me for more and more things which I presented but still wont release my money, I will gladly withdraw the money that is mine and close the acct, Im tired of being treated like this, Ive done nothing wrong for her to act this way, I just want money and then Ill close the acct and go elsewhere

    Business Response

    Date: 07/28/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. ********, ******. OCCU will not be responding to the complainant and will follow internal procedures for handling consumers who have/are performing illegal or fraudulent activity. The appropriate authorities have been engaged. Please let me know if you have any questions.

    Thank you,
    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:07/06/2023

    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 07/05/23 my car loan was reported 30 days late to credit bureaus. There was fraud on my checking account ending in **** therefore it was fully closed and i was issued a new checking account number. All transactions were stopped from this account due to this reason. Once I was told that the checking account will not process any transactions i made a payment with a debit card of $795. I've had a rough patch and it has not ended, my grandmother was ill in the hospital for more than 2 weeks, she passed away on Sunday night. I'm asking OCCU to please help me out and work with me on getting this reporting cleared as it has affected my credit drastically and I need funding to help with funeral expenses. Please help me

    Business Response

    Date: 07/13/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. ********, Jeet. Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

    Customer Answer

    Date: 07/13/2023

     
    Complaint: 20279936

    I am rejecting this response because:
    Seems like due to the complaint I made someone from the credit department thought well lets go ahead and report march late too. This is the biggest s**** you Ive seen from OCCU. Depression and anxiety is one thing and having my grandma pass away has led for it to be worse day by day. OCCU could care less. THEY SIMPLY DO NOT CARE 
    Sincerely,

    Pawan Jeet

    Business Response

    Date: 08/02/2023

    Hello,

    Please find attached OCCU's follow up response to Complaint ID No. ********, Jeet. ***** submitted the same complaint to our regulatory agency, therefore, will be working/responding through that channel. Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:05/10/2023

    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 bank, Oregon Community Credit Union, cancelled my debit card before I received a new one. They sent new cards before the old ones expired because they signed a contract with a new debit card company. Now Im waiting up to a week for a new card to come in the mail and Im left with no debit card in an area that doesnt have an OCCU branch location. Because of their decision I now have to go without important medication because I order it online with my debit card. They are not providing any assistance with this and seem to have no issue with cancelling functional debit cards that their clients rely on.

    Business Response

    Date: 05/19/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. ********, ********. Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:04/27/2023

    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.
    This branch is again claiming payments are not being made and adding late fees despite the direct deposit amount they set up clearing the bank each month. They are now adding late fees every month despite the payments clearing the bank. January 2023:Loan payment made on 1/19/23 ($343.98)Late fee applied on 1/28/23 February 2023:Loan payment made on 2/21/23 ($343.98)Late fee applied on 2/28/23 March 2023:Payment made on 3/21/23 ($343.98)Received phone call on 4/27/23 stating loan was more than 40 days past due.This is not the first time this branch has not **************** appropriately. This happened in February of 2021 and again in 2022 when I had to make my first complaint through BBB as I had to make a second payment to prevent additional negative marks on my credit as the previous payment I had made did not get applied to the loan.

    Business Response

    Date: 05/08/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. ********, **********************Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

    Customer Answer

    Date: 05/09/2023

     
    Complaint: 19991518

    I am rejecting this response because they have now stopped withdrawing the automatic payments which has caused the payment to be late again. This has also happened twice before and each time it is difficult to get through to someone to get them set back up. I am unsure why the automated payments keep getting stopped despite the funds being in the bank. There have been so many mistakes on this loan, I think it would be reasonable to have this loan dissolved entirely and the bank take over ownership of the vehicle due to the stress, loss of money and damage to credit caused by the numerous errors made. 

    Sincerely,

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

    Business Response

    Date: 05/17/2023

    Hello,

    Please find attached OCCU's response to Complaint ID No. *************** let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:04/10/2023

    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.
    OCCU has and continues to report incorrect payment history to Experian. OCCU has erroneously reported to Experian that I was 30 days late in March of 2023 on an account beginning with 470183XXXXXXXXXX. The last 4 of my SSN are ****. The fact is the account was charged off in September 2017 and included in a Chapter 13 bankruptcy in July of 2018. How can I have missed a payment in March of 2023 on an account that was charged off in 2017 and included in a 2018 Chapter 13. I have disputed the information several times with ******** and OCCU refuses to correct or remove inaccurate information from my credit report. At this point the account should be totally removed since OCCU can't seem to correct the reporting. This will be my last attempt to remedy the situation before hiring an Oregon Consumer Law Attorney.

    Business Response

    Date: 04/19/2023

    Hello,


    Please find attached OCCU's response to Complaint ID No. ********, *************Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

  • Initial Complaint

    Date:02/06/2023

    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.
    On 01/31 I made a payment of $794.91 to OCCU over the phone and made sure I asked the representative will this payment reflect today and it wont report 30 days late to my credit report he assured my 2 times yes it wont. Today I get a notification saying late payment and it was OCCU once again. This company is ruining my credit by false reporting. The payment was already withdrawn on the first which is 1 day for processing. I made the payment before cut off time aswell and it still reported late. Im here trying to fix my credit while OCCU is ruining my credit.

    Business Response

    Date: 02/08/2023

    Hello,


    Please find attached OCCU's response to Complaint ID No. ********, Pawan Jeet.Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

    Customer Answer

    Date: 02/08/2023

     
    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.

    Sincerely,

    Pawan Jeet

  • Initial Complaint

    Date:01/17/2023

    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 took out a loan in September of '22 for $28K and paid it off within a few weeks, and OCCU didn't require any income verification. I recently tried to take out another loan to purchase equipment for our farm, and my credit profile hasn't changed, except for a home sale and a home purchase. I gave them proof of income as it stands with my tax returns, and as a business owner, of course, I'm not going to forego deductions, but I included what annual revenue I made, which is an increase over my last two tax returns. When I asked for more information, the loan assistant said it was because of guidelines, equity, yada, yada. I don't understand how granting a loan with no income verification previously is equitable for other applicants. This experience was a major disappointment.

    Business Response

    Date: 01/24/2023

    Hello,


    Please find attached OCCU's response to Complaint ID No. ********, ****************************Please let me know if you have any questions.

    Thank you,

    *******************************
    Oregon Community Credit Union
    VP of Regulatory Compliance

Oregon Community Credit Union is NOT a BBB Accredited Business.

To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

Why choose a BBB Accredited Business?

BBB Business Profiles may not be reproduced for sales or promotional purposes.

BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.