Complaints

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

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Carolina Trust Federal Credit Union has 7 locations, listed below.

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  Carolina Trust Federal Credit Union

  1010 21st Ave N Myrtle Beach, SC 29577-7485

  
• 

  Carolina Trust Federal Credit Union

  2518 Main St Conway, SC 29526-3365

  
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  Carolina Trust Federal Credit Union

  4254 Holmestown Rd Myrtle Beach, SC 29588-3400

  
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  Carolina Trust Federal Credit Union

  422 N Georgetown Hwy Johnsonville, SC 29555

  
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  Carolina Trust Federal Credit Union

  219 W Main St Lake City, SC 29560-2427

  

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:02/14/2025

  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.

  I put a stop check on Cash net USA and the teller put the account information in wrong. So *********** still took money a week later.. took money and put me in the negative and all my bank did was refund the item fee and redone the stop payment but I didn't get refunded for my money that was took or took out the negative even though they admitted it was there fault

  Business Response

  Date: 02/28/2025

  We take all member complaints seriously and have thoroughly investigated the circumstances surrounding Ms. ******* ***** case.  After careful review, we acknowledge that an error occurred in processing Ms. ***** stop payment request 2/5/25.  Due to the incorrect information submitted during the initial request, the company in question (***********) was able to collect two payments ($163.97 & $169.97) from Ms. ***** account on 2/13/25, resulting in a negative balance.  Upon discovering our error, we have refunded all fees incurred as a result of the negative balance, reimbursed the full amount of both unauthorized debits for Ms. ***** account and we have re-processed the stop payment with the correct Company ID for CashNet USA on 2/14/25.   Ms. ***** account has been resolved and we have reached out to Ms. ***** to express our apologies and confirmed that the situation has been resolved to their satisfaction.   

  Customer Answer

  Date: 03/03/2025

   
  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,
  
  ******* *****

• Initial Complaint

  Date:05/20/2024

  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.

  There were 3 or 4 fraudulent charges on my credit card. My husband has called the credit union about the charges. The representative said one charge was credited but the others were not. When we reported the fraudulent charges the old credit card account was closed, and I can no longer look at that account. New cards were issued but there is no credit for the fraudulent charges. Every time we call for an update we are told to wait 12 more days. We have been trying to resolve this for at least 2 months. I don't know why this is taking so long.

  Business Response

  Date: 05/29/2024

  We have shared this information with our credit card vendor and have verified that the credits have posted to the members current card.

  Customer Answer

  Date: 05/30/2024

   
  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.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:07/11/2023

  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.

  Account number ************* On 6/** I had 2 charges taken out by ******* for ***** and ******. Checking my statement to follow the money coming in and out, i noticed both charges were taken out and debited from my account. Both purchases from ******* were cancelled, but never showed cancelled on my purchase history. I gave it it a few days before calling ******* to check on status shown. Even though on my purchase history it didn't show cxld. but on 6/18 they claim refunds were put through. Checking my bank statement starting on 6/19 looking for my 2 refunds to be credited back, I saw there were other charges that went thru but the 2 ******* charges were showing pending. The funds were still debited. The charges were still on my account on the evening of 6/20. The morning of 6/21 the pending transactions were gone, but the funds were not released. I have called member services and the branch directly, on both occasions the employees both to no help I called the branch and spoke with *****, I explained what had taken place. He assured me He would research the issue and would get back with me. A week later I had to set up an appointment to get him to call me back. He stated again everything looks correct the funds were never taken out. After I disagreed with the outcome, he mentioned he would have someone else research and call me back. I got a call back 5-6 minutes later a VM was left from *******. He once again said he spoke with ***** and things were correct. I wish I would have printed a copy of the statement with the pending charges but unfortunately I believed that the bank would correct the problem properly. I feel like I am being called a liar by the personnel. 180 dollars is a lot of money to me and I would know when it was returned and never has. If this is not resolved I will take my situation to the corporate office

  Business Response

  Date: 07/14/2023

  After reviewing **************** account, his two pending amounts in question were in pending status on 6/17/2023.  Both charges were on hold but released on 6/20/23 due to Walmart.com not authorizing both charges. Since the holds were expired on 6/20/23 and not posted to **************** account, no ********************** is due from Carolina Trust FCU.   The pending transactions ************** saw on his account on 6/17/2023 were transactions not fully processed and not deducted from his ledger balance current balance.     Pending transactions can take 2-5 business days to go through and settle.  In this case, both transactions were released and not processed by Walmart.com.

  Customer Answer

  Date: 07/14/2023

   
  Complaint: 20302192
  
  I am rejecting this response because:
  
  Sincerely,
  
  *********************

  The funds were not paid out to *******  the held funds were never released back into my account.     Because of the amount of the charges I followed my account on a daily basis for approx 2-3 weeks before and during the time I contacted the branch 

   

  *********************;

  Business Response

  Date: 07/18/2023

  ************** pre-authorized the two ******* transactions on 6/17/23 with his debit card.  The credit union cannot remove these authorizations from the merchant.  The authorization for the holds was set to expire on 6/20/23 and the holds were dropped on that date.  These transactions were not debited from his account.    ************** did incur at NSF fee of $29.00 due to the pre-authorized transactions held during the weekend of 6/17/23.

• Initial Complaint

  Date:03/20/2023

  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.

  There's a fraudulent hard inquiry on my Equifax credit report. The Hard Inquiry appears as CAROLINA TRUST ***** and the date appears as January 25, 2023 (01-25-23). I have been a victim of identity theft and this inquiry is fraudulent and the result of id theft. I did not apply or authorize for anyone to apply for anything at this bank. I did reach out to live chat and emailed a representative the documentation and description. I will be attaching that documentation to this complaint as well. This is not a complaint against that specific employee, I just want to make sure that this situation is going to be held accountable, and I want this Hard Inquiry removed from my Equifax report immediately as its unauthorized. I will also attach a copy of my Drivers License, social security card and a utility bill.

  Business Response

  Date: 04/28/2023

  We have sent a request for a credit inquiry deletion to the credit bureau due to this fraudulent application.  In the past they have taken up to six months to address these deletions.  The deletion request is attached for your records.