Complaints

This profile includes complaints for Consolidated Community Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Consolidated Community Credit Union

  2021 NE Sandy Blvd Portland, OR 97232-2817

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  Consolidated Community Credit Union

  1535 NW 21st Ave Portland, OR 97209

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  Consolidated Community Credit Union

  1033 NE 6th Ave Portland, OR 97232-2017

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.

• Initial Complaint

  Date:04/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  If you get a mortgage through Consolidated Community Credit Union beware. They pick and choose which external banks they accept payments from and will not provide a list as to which ones they are. A very shady practice to encourage the use of their own accounts and cause users to get hit with additional interest on loans.I obtained a mortgage through them and when I went to make my payment I find out my main checking account cannot be linked with a simple message (when trying to link) invalid routing number. Nowhere on their site or in any of their agreements does it say that this could be a possibility. After waiting a few days time for a reply from their in-browser customer support, I was told "You may need to verify the routing number with your financial institution. Sometimes an institution may have multiple routing numbers for different purposes." I did, it was my main checking account at a major financial institution, ie. it was copy & pasted accurately. Days later again they reply "Due to an increase in fraudulent activity, we do not allow external transfers to/from X Bank". I try another bank and get the same message. I replied asking how is that legal and if could I have the list of banks you will accept? Days later again they call me to say they would accept it but a form was needed. My payment was finally accepted on 4/10/23. I began communication on 3/27/23, well before my payment due date of 4/1/23.This feels wildly unethical to not disclose that you will refuse payment from multiple FDIC-insured banks and create additional time for interest to accrue and potential late fees to be incurred. As someone with an above 810 credit score and 0 late payments, it was also rather stressful to be nearing late payment potential and face credit bureau reporting. I'd love a refund for the additional interest incurred (feels ethical) but mainly I'd like to shed light on poor business practices from a company that hides behind the charade they call "Community".

  Business Response

  Date: 04/24/2023

  On behalf of Consolidated Community Credit Union (****), we apologize that our members experience was unsatisfactory. We strive to be a financial partner that all our members can rely on and we will utilize this feedback to determine opportunities for improvement.  
  After carefully reviewing the matter, the credit union identified the following. 
  The member contacted the credit union using secure messenger on March 27, 2023, the **** representative responded the same day to inquire more about the issue of why the mortgage payment was not processing. Over the course of several days, there was correspondence between the member and the **** representative as they worked together to identify the mortgage payment issue. On April 4, 2023, the credit union discovered that the member was attempting to make their mortgage payment online with Green **** one of the few merchants we do not allow online transactions with due to historical fraudulent activity with that financial institution.  We choose to do this to help protect our members from the potential of fraudulent activity on their accounts. 
  The **** representative called and explained why the payment was not being processed and let the member know that the credit union could set up the payment a different way via an internal process which would allow them to pay via Green *** funding.  After the discussion, the member agreed to set the payment up. We did verify the payments were set to come directly from the members financial institution of choice (Green ***) which will be completed automatically each month. The **** representative was under the impression that the member was satisfied and the matter was resolved.  
  On April 7, 2023 the member messaged in to share their concerns about the payment not being made and was worried about a late fee, impact to their credit and accruing additional interest. The **** representative shared that setting up an initial electronic payment can take a few days to process the transaction through an external financial institution. The **** representative also shared that the payment was being made within the grace ****** so no late fee would be assessed, the members credit would not be impacted. The member asked to have addition interest that accrued refunded, it was shared with the member that a refund would not take place since additional interest did not accrue. The member responded that he was going to file a complaint with the BBB. The credit unions Chief Mortgage Officer made attempts to contact the member through email and phone to better explain there was no impact to his credit, nor would he accrue late fees or additional interest.  The member has not responded.