Complaints

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

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Founders Federal Credit Union has 25 locations, listed below.

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  Founders Federal Credit Union

  737 Plantation Rd Lancaster, SC 29720-5808

• 

  Founders Federal Credit Union

  1404 Ebenezer Rd Rock Hill, SC 29732-2391

• 

  Founders Federal Credit Union

  9881 Charlotte Hwy Fort Mill, SC 29707-7133

• 

  Founders Federal Credit Union

  507B Chester Ave Great Falls, SC 29055-1207

• 

  Founders Federal Credit Union

  316 Old Pointe School Rd Rock Hill, SC 29732-8978

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:06/09/2025

  Type:Order 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.

  I am not accountable for the debt associated with FOUNDERS FEDERAL CREDI. There is no contract between me and FOUNDERS FEDERAL CREDI, and they have not provided the original agreement as requested.

  Business Response

  Date: 06/16/2025

  We determined through our investigation that the member is the owner of the disputed loan account, and the ********************** reporting is accurate.  Founders has documented conversations with the member regarding repayment of the balance.  A copy of the contract and final statement will be provided to the member by mail. Founders will consider this complaint closed.
  

• Initial Complaint

  Date:05/15/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  On May 6th I noticed 7 fraud charges on my account from ****** in **** adding up to over $600. I was on vacation in the ********* on a cruise from May 4th-11. I immediately called and reported at that time they were still in pending status. The closed the card but left me in a bind because they allowed all those charges to go through even though you can definitely see fraud was happening which then took my account in negative status and to this date is still in the negative. I went into the branch and they said it would take 10 business days. I have never seen a bank that takes this long when you can obviously see it's FRAUD CHARGES. ******* wife have another acct at a different bank and they alert us immediately for suspicious activity and don't allow anything to go through without ok. I would understand if it was 1 fraud charges but 7 same day, different **** cities similar amounts. I will be considering closing this account due to their practices.

  Business Response

  Date: 05/21/2025

  We have determined through our investigation that the charges were fraudulent and have given Mr. ***** provisional credit. We provided the resolution via email and verbally and consider this matter closed.
  

  Customer Answer

  Date: 05/23/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 
  

• Initial Complaint

  Date:04/03/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  I took a vehicle loan out with this bank on 11-26-2025 with first payment of $649 due on 12-25-2024. On 12-9-2024 I made my first payment of $700. Making my next payment due on 1-25-2025 On 1-2-2025 I made my second payment of $700. Making my next payment due on 2-25-2025 On 1-31-2025 I made a payment of $1300 and specifically told the teller at the bank, with no objections. I was making two individual payments. This should have made my next payment due on 4-25-2025.On 2-25-2025 I made a payment of $1947 and specifically told the teller at the bank. I wanted to make three individual payment. No objections from the teller. This should have made my next payment due on 7-25-2025.On 4-1-2025 I made a payment of $1947 and specifically told the teller at the bank. I wanted to make three individual payments. No objections from the teller. This should have made my next payment due on 11-25-2025. This time I reviewed my receipt closely and noticed on the receipt that my next payment was due on 6-25-2025. I had to get to work so I waited later and I contacted the bank to inform them of the error and ask for it to be correct. I received a response stating they could not advance payments out more than 60 days. I took this as they thought I was asking for an extension. That was not the case. I am paid up way in advance and I told them I would be filing a complaint. I received a phone call today from a branch manager named ****** ********. During the call Ms ******** tried to explain that they could not go out more than 60 days on payments and tried to sell it like it was for my protection. I have never dealt with a bank that stated this. I have bought many cars with financing and making payment well in advance was never an issue. I asked if this was in my loan contract? yes was the reply. However, I reviewed the contract and no language states this in any way. I want the payment made the way i request as long as I am within my contract obligations.

  Business Response

  Date: 04/10/2025

  The member was contacted to further discuss the dispute, and this has been resolved to the members satisfaction. 

  Customer Answer

  Date: 04/10/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me. The business did a fantastic job in resolve this complaint once it reached a certain level. I am very satisfied with their response and actions. Hats off to this business. 
  
  Thank you. 
  

• Initial Complaint

  Date:03/31/2025

  Type:Delivery 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.

  I am a victim of fraud. I never did any business with this company. I am asking to remove the inquiry appear in my creditaccountASAP. Date inquired was 02/21/2025

  Business Response

  Date: 04/07/2025

  We have reviewed **** ********* complaint, along with the supporting documentation provided and have submitted a request to remove the Founders inquiry from his credit reporting. 

• Initial Complaint

  Date:03/20/2025

  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.

  We opened an auto loan in June of 2024 with them and set up the payment of $288 on autopay. For some reason, in August there was an issue with the payment. I sent several emails and made multiple phone calls in an attempt to bring the account current, but was continuously given reasons why I couldn't make a payment. For instance, I attempted to make a manual payment online, but was told that because the account was past due I was not able to pay from an external account. So, I tried to move money into the checking account I had to open in order to get the loan, but that was placed on a hold and, again, I was not able to make a payment. This went on for three months to the point that they sent someone to repossess the car. We were able to pay a fee to stop it, but the damage to my credit score was tremendous. My score dropped over 100 points because they said I hadn't made a payment in three months. My credit report shows "Exceptional" for the payment history on EVERY other account in my name and there was no issue with my ability to make the payment, as indicated by other my other payments being made on time with no exception. As I stated, this has significantly impacted my credit score and my ability to obtain other credit through no fault of my own. I sent a letter to them asking them to kindly remove the negative report, but they sent a letter that they would not. I am asking that this negative report be removed from my credit report.

  Business Response

  Date: 03/28/2025

  The member became obligated for the loan on May 31, 2024, with his first payment being due on July 17, 2024. At this time the member declined setting up automatic payments. Founders made numerous attempts to reach the member by phone. Emails regarding delinquency were sent at 10 and 15 days past due and a Right to Cure letter was provided by mail on August 16, 2024. 
  
  The first attempt to make a payment towards the loan was not until September 14, 2024. Per our standard practice, the payments being set up in online banking were rejected due to delinquency and assignment for repossession. On October 18, 2024, we reached the borrower's spouse, however, we were unable to discuss the details of the loan with her as she is not an obligor.  It is our understanding that the member continued to try to make online payments without speaking with someone at the credit union. The member's past due balance was not received until November when a check was received in the mail. The credit reporting accurately reflects the date of the first payment received. 

  Customer Answer

  Date: 03/28/2025

   
  I am rejecting this response because:
  The lender has created practices that make it unreasonably difficult to for borrowers to make timely payments.  It is an unfair business practice to require the borrower to make repeated phone call and send numerous messages in an attempt to make payment.   Online payment should be allowed no matter what the payment status of the account is, checks mailed in should not be held for 10 days before they can be applied and the borrower should be allowed to add an authorized person to the account without being asked to submit a notarized form - this is standard practice for most businesses and lenders.  

• Initial Complaint

  Date:03/07/2025

  Type:Order 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.

  I am not obligated for the debt claimed by FOUNDERS FCU. There is no contractual agreement between me and FOUNDERS FCU, and they have not furnished the original agreement as requested.

  Business Response

  Date: 03/13/2025

  We have determined through our investigation that Mr. Leach is the owner of the disputed loan account, and the ********************** reporting was accurate. We are mailing a copy of the contract to Mr. ********************************* provide contact information if he has any additional questions. Founders considers this complaint closed.

• Initial Complaint

  Date:02/28/2025

  Type:Service or Repair 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.

  Well finding out that this credit union is not accredited isnt a surprise. This Institution tells its customers one thing to get them off the phone and does not follow through . Trust is of a major concern! I have had my account hacked several times in the last few months. I have no opened a new account where I live. I was told I could get access to my money by having my card unlocked long enough for a cash advance transfer. Evidently this was a lie. When I went to my new bank this morning snd tried to get my money they would not comply. So I am stuck now with no way of paying my bills. The public needs to know to stay away from this place. My hope is that by my posting this it will save someone from the h*** I am going through trying to get my money. *.******

  Business Response

  Date: 03/04/2025

  The member was contacted and the account restrictions that were in place due to her card being marked as lost/stolen were reviewed with her. She has relocated and will be transferring her accounts to another financial institution. The Market Executive provided her with his contact information and explained that if she had any further concerns regarding her account relationship to contact him directly. We consider this matter closed and resolved to the members' satisfaction. 

• Initial Complaint

  Date:02/26/2025

  Type:Service or Repair Issues
  Status:

  ResolvedMore 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.

  Got a member care warranty through founders for my 2014 dodge challenger rt in April of 2024 the warranty company will not honor the warranty and left me with the bill. they told founders that the part was not covered but can not show were on the contract i told founders and they said we will look into it. Then founders said that they sent them a email saying that it was denied because of the problem above. yet they still can't show on the contract were its not covered even to the bank who sold me the warranty. Now its been almost 5 months since the car is in the shop from 11/28/2024 - to present. Even though they told the bank founders federal that it was denied they also said its still processing so for the last 5 months its been processing. So the bank left my with a ****** bill and said they have never had a problem with member care before and do not have any answer after talkin with the bank for a month.

  Business Response

  Date: 03/05/2025

  The member was contacted to further discuss the details of his complaint dated Feb 26, 2025. We have requested additional documentation regarding the complaint and are actively working with the member to resolve. 

  Customer Answer

  Date: 03/05/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to my complaint, and find that this resolution is satisfactory to me.
  
  Thank you. 
  

• Initial Complaint

  Date:01/30/2025

  Type:Product 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.

  Founders Federal Credit Union In *********** SC has Refused To Investigate ************* Indemnity Charges with Manager ***** ***************************** Arrest In ************************************************************************************************** An NCUA Insured Bank in South Carolina

  Business Response

  Date: 02/05/2025

  As noted in response to Mr. ******* BBB complaint in July 2024 regarding the same issue, Founders has investigated all direct claims related to Mr. ******* accounts on multiple occasions dating back to 2021. Founders has exhausted all efforts to provide Mr. ****** with a satisfactory response to his claims, and we deem this matter to be closed.
  

  Customer Answer

  Date: 02/07/2025

   
  I am rejecting this response because:   The Founders Federal Credit Union in *********** SC Refuses To Investigate by Written Disclosure **************** Charges $358 By Holiday Inn ********************* and Threatened To Arrest The Claimant by Police Upon Termination of ************* Business in *********** SC 

  Orlando Police Officer ***** is Currently Investigating Fraud and Identity Theft in 

  *********** *************** by Special Investigations Unit in ******* ************;

  Secret Service is Involved in **** Indemnity by Founders Federal FCU Manager ***** Eichart  in *********** SC 

  
  

  Customer Answer

  Date: 02/07/2025

   
  I am rejecting this response because:   The Founders Federal Credit Union in *********** SC Refuses To Investigate by Written Disclosure **************** Charges $358 By Holiday Inn ********************* and Threatened To Arrest The Claimant by Police Upon Termination of ************* Business in *********** SC 

  Orlando Police Officer ***** is Currently Investigating Fraud and Identity Theft in 

  *********** *************** by Special Investigations Unit in ******* ************;

  Secret Service is Involved in **** Indemnity by Founders Federal FCU Manager ***** Eichart  in *********** SC 

  
  

• Initial Complaint

  Date:12/26/2024

  Type:Sales and Advertising 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.

  Employee was Macy * at founders in rock hill sc. *he basically said i couldnt open up a checking account based on my ********************** and that i only can get a savings account. When asked why she had to run my credit and if it was necessary to do such, she said it was standard and they had too and that it will be a 5-10 point hit on my credit after asking how that would reflect on my credit. *he then said that due to my credit score that i will not be able to open a checking account until 3-6 months and also not be able to possibly receive a loan bc of such. I then received a banking card for my savings and i left.I do want to state that I have active checking account and savings account. I have never had any issues with either of my accounts and question what she found in ************ which was not have anything to deny a checking account. I also know that The Fair Credit Reporting Act (FCRA) protects consumers from being denied a checking account without a valid reason. Her reasoning was not valid and did not make any sense. I felt completely marginalized because of my age and profiled.

  Business Response

  Date: 01/03/2025

  Market Executive contacted the member by phone on 12/27 and she was unable to leave a message due to the member's mailbox being full. An email was sent to the member on 12/31. A follow up call was made on 1/3, and a voicemail was left for the member.  At this time, we are awaiting the member's response to resolve this concern.