Complaints

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

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  FedEx Employees Credit Association

  2731 Nonconnah Blvd Ste 100 Memphis, TN 38132-2110

  
• 

  FedEx Employees Credit Association

  50 Fed Ex Pkwy Collierville, TN 38017-8711

  
• 

  FedEx Employees Credit Association

  3670 Hacks Cross Rd Bldg G Memphis, TN 38125-8800

  
• 

  FedEx Employees Credit Association

  8195 Dexter Rd STE 101 Cordova, TN 38016-0719

  

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:07/03/2025

  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.

  For the last year I have been running circles trying to work with this Credit Union. When my mother passed away it left me with a $20,000 bill and since then I pay an absolute mess ton in fees and then I pay more for fees because now other bills aren't covered etc. This feels like an absolute joke, like they are constantly doing things just to take money from me. I got ahold of them a week ago about a transaction through ****** I did not make or approve, They paid them and then charged me for a $30 courtesy pay fee. They did not care that ****** wasn't authorized to take money and they didn't care about refunding my fee either. They said I had to wait for ****** to return the money and if they did then they would refund the fee. So now I am battling between two multi-million institutions for the little bit I have. Onto more issues, I cannot use my Debit card after 9:30pm, it is locked and they say its because that's when they process credits and Debits but they have processed plenty of times before a bill is even due and during the day and then sure enough come after me for a "courtesy pay fee" I have officially went in a filled out the paperwork to stop payroll deductions. An example of this is our checks come in every Friday and I have mine partially sent to this account. This Friday is a Holiday the 4th of July. My paystub says my check is supposed to be released on April 3rd. **** did not put it into my account. I have bills that come out every Friday and because the Holiday they were Scheduled to come out on the 3rd of July. It is the 2nd as I am typing this and sure enough FECA processed the payment a day early, hasn't released my check and charged me a fee. BEWARE of this credit union. Most Credit unions are for their customers. This one is not. In June I paid 12 Courtesy Fees at $30 a piece and In May I paid 13. Almost $800 in fees. This is in two months and I've been dealing with this even longer then that.

  

  Business Response

  Date: 07/10/2025

  We appreciate the opportunity to address Carmens concerns and acknowledge her frustration. We take all member feedback seriously and are committed to providing clear communication and support.
  After reviewing the matter,we believe our previous responses and actions have been consistent with our policies. Our team has spoken with ****** on multiple occasions to explain the applicable fees, the timing of check processing, and the management of her account. Throughout these interactions, we have made every effort to provide clear explanations and respond to her questions.
  To clarify, we are not holding any of Carmens checks. All payments are processed in accordance with our standard procedures and within the timeframes communicated to our members.
  We remain committed to transparency and to ensuring all members fully understand how their accounts are managed.

• Initial Complaint

  Date:05/18/2025

  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.

  The bank keeps charging me $30.00 dollars withdrawal fees even when there is money in my account. I did get a copy of the bank information. There were at least 5 $30.00 withdrawal fees. This is not the only time that is has been down.

  

  Business Response

  Date: 05/22/2025

  We are writing to confirm that the concern raised by ******* ****** has been addressed. As a courtesy, we refunded the fees in question, and we communicated directly with the member to ensure their satisfaction.
  Thank you for allowing us the opportunity to address and resolve this matter.
  
  

• Initial Complaint

  Date:09/02/2024

  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.

  I recently discovered that you FEC CREDIT FCU are reporting numerous accounts that do not belong to me. Someone has been using my name, social security number, and date of birth to obtain these accounts. These collections, and accounts do not belong to me, I am not the person that has opened these accounts,and need these accounts removed off my credit reports Fec Credit Fcu xxxx and Fec Credit Assoc XXXXXXXXXXX9001

  

  Business Response

  Date: 09/05/2024

  FedEx Employees Credit Association (FECA) has carefully reviewed the details of the accounts disputed by Mrs. ************************ Given the nature of Mrs. ******* complaint, we are constrained in the amount of information we can share publicly. Our review found no evidence of identity theft or fraud related to Mrs. ******* FECA membership account, **** ********************** card, or Line of Credit accounts. According to our records, ***************** is the account holder and is responsible for the accounts in question.
  

  FedEx Employees Credit Association is committed to ensuring that all information, whether positive or negative in nature, is reported accurately and fairly for all of our members in accordance with the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). A detailed response, including copies of the signed membership and loan agreements, were sent to ***************** via FedEx on September 4, 2024. Should ***************** have further questions or need additional assistance, we encourage her to reach out to us directly.
  

• Initial Complaint

  Date:08/23/2024

  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.

  I deposited a payroll check via the credit union app. I received approximately 1/4 of the check and received a message that they were withholding the remainder due to the average daily balance of my account. The deposit was made on 8/17/2024 and I was told they would release the remainder on the 26th.

  

  Business Response

  Date: 08/27/2024

  FedEx Employees Credit Association has conducted a thorough investigation into ************' complaint and resolved the issues raised. We have also directly communicated the resolution to ************ to confirm that all aspects of his concern have been effectively managed.
  
  We appreciate ************ for bringing this matter to our attention and apologize for any inconvenience he may have experienced.

• Initial Complaint

  Date:05/22/2024

  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.

  The Fedex Employees Credit Union has led me on for a whole week, having me believe I was going to be able to finance a car through their auto loan program in which I was approved for. They had me get insurance and a purchase order AND bring my current accounts with them back to positive status (which I never owed them anyways but paid just so I can get the car) All just to tell me in the end I will not be able to get the car I EVEN THOUGH I AM APPROVED FOR THE LOAN! I paid for insurance already which I have to now cancel... They knew from the very beginning what car I was going for and should've told me that I would not be able to get the car instead of approving me for a loan and having me go through every single step which takes quite a long time when you are dealing with them.I want reimbursement for my time and money spent. This is not how a business should operate. If I was approved for the loan, give me the loan so I can get the car and let me pay you monthly! Why are they complaining about the car I chose??? I am approved! I sent the car VIN number and info the very first day when I signed up! There was nothing hidden on my end here! Make this make sense!

  

  Business Response

  Date: 05/23/2024

  FedEx Employees Credit Association acknowledges ********************** frustration arising from the anticipation of securing financing, and we sincerely regret any resulting inconvenience. We highly value and appreciate the efforts ****************** invested in preparing for his purchase, including obtaining insurance and ensuring the good standing of his accounts.
  
  ********************** loan application was processed in accordance with the lending guidelines established by FedEx Employees Credit Association. Regrettably, the maximum allowable auto loan amount, determined by the **** value of the intended vehicle, did not meet the required criterion. ********************** designated loan officer contacted him on 05/22/24 to communicate the lending decision, its underlying reasons, and to address any queries he may have had. Furthermore,****************** was informed that his loan approval remains valid until the expiration date specified in his pre-approval letter, should he choose to pursue an alternative vehicle purchase.
  
  We once again extend our sincere apologies for any inconvenience ****************** encountered during his endeavor to secure financing through the Credit Association. Should ****************** wish to further discuss this matter or explore alternative financing options, we encourage him to reach out to the Credit Association directly.

• Initial Complaint

  Date:03/05/2024

  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.

  I am not liable for this debt with FEDEX EMPLOYEES CREDIT and I do not have a contract with FEDEX EMPLOYEES CREDIT plus they did not provide me with the original application like I asked.

  

  Business Response

  Date: 03/07/2024

  Upon notification of ********************** ****** complaint and in compliance with the Fair Credit Reporting Act (FCRA), we conducted a thorough examination of all credit reporting records under his name to ensure accuracy and adherence to reporting regulations. Our review confirmed that all information associated with ********************** **** is permissible and accurately reported.
  
  The credit reporting disclosures were initially provided to ********************** **** in his original loan contract and within the membership agreement he was provided when he established his membership account with **********************. 
  
  On March 7, 2024, we notified ********************** **** via email of the results of the credit reporting review. Along with the review findings, we informed him that we would be happy to provide copies of his loan agreement and/or membership agreement upon request. He can reach out to the credit association at ************, send a secure message via our *** online banking portal, or complete a secure message request form on fecca.com to obtain these documents.
  
  

• Initial Complaint

  Date:01/31/2024

  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.

  I am filing this complaint due to what the **** has described as "surprise overdraft fees." I was charged overdraft fees even though there was money in my account. The **** has stated that these types of "surprise overdraft fees" are likely illegal, furthermore they fined ************ $50 million dollars because of their use of these types of fees. I will be filing a complaint with them after this complaint. I was told that the reason I was charged overdraft fees is because there was a pending transaction at the time of the transactions that was going to take my account into the negative, so these transactions that were not going to be in the negative were assessed with the overdraft fees, and I will not be refunded the fees. The following are the transactions I am contesting: A charge from January 3rd which shows that after the O/D charge I still have a balance of $22.31.Another charge from January 3rd after a transaction from Popeyes. The transaction from Popeyes was $12.08, which left me with a balance of $10.23. I was charged an O/D after this transaction even though I still had a balance. January 10, I got charged an O/D fee after I got gas even though I still had a balance of $79.64. After the O/D fee, I had a balance of $49.64.I then got ********** for $15, taking my balance to $34.64, I got charged another O/D fee, which then took my account to ********** on Jan 10, had a transaction of $29.99, my balance should have been $64.64, because I should not have been charged the 2 previous O/D fees. But, because I was, this did take my balance into the negative. On Jan 23, after I got gas, I had a balance of $31.48, but was charged an O/D fee.This O/D fee took me down to $1.48, the next transaction of $6.54 caused me to O/D even though I should have had $31.48 in my account if not for the previous O/D fee. This caused another O/D fee. This is a total of 7 overdraft fees that I would like to contest for a total of $210.Thank you,*****************************

  

  Business Response

  Date: 02/02/2024

  FedEx Employees Credit Association takes all member complaints and concerns seriously and is committed to assisting our members whenever possible. After a review of ********************** complaint and account records, as a final courtesy, we have refunded four additional fees. Our review also indicates that ******************** has been provided ten previous refunds.  He has been counseled on how the fees in dispute can be avoided and provided information on how he can remove this optional service from his account. Based on our findings, any additional fee refunds are not warranted. 

• Initial Complaint

  Date:01/30/2024

  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.

  11/16/24 - I am a 79 year old man and suffered an eye stroke so i have limited vision. My internet service was part[y disabled. I asked a friend to find the number to my IP who is Xfinity, She googled an found this no. ************. When i called the said they were technical support for Xfinity and could get me on line but had to check if my payments were in order. I said im on monthly autopay.. They asked for my debit card number on file so they could do a test to verify it. So i gave them my card number which Xfinity already had. Then they asked me to type Xfinity/any desk.com so they were able to control my computer. I watched as they began to order 2 Gift card granny from Target. I told them i didnt want any gift cards. but they said it was just a test. they restored my internet service at same time debit my bank account $450.00 I was scammed.

  

  Business Response

  Date: 01/31/2024

  FedEx Employees Credit Association takes all members' concerns seriously and we appreciate ****************** for bringing this issue to our attention. Following a full review of Mr. ******** account, we have determined that an account ********************** is warranted. A credit association representative has contacted ****************** to make him aware that a full credit for the amount in dispute has been applied to his account and to sincerely apologize for any inconvenience he has incurred.

• Initial Complaint

  Date:12/10/2023

  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 liable liable for this debt with FEDEX EMPLOYEES CRED I do not have a contract with FEDEX EMPLOYEES CRED, they did not provide me with the original contract as I requested.

  

  Business Response

  Date: 12/13/2023

  FedEx Employees Credit Association takes all member disputes and/or concerns seriously. A complete review of the members' account was conducted to ensure that all reporting guidelines were followed and to ensure there were no errors.In response to **************** complaint, the credit association has provided *************** with copies of his account agreement and other pertinent documents as requested. While FedEx Employees Credit Association cannot provide specific information related to the members account due to privacy, we can confirm that his account is being reported in accordance with the **** requirement to report all accounts accurately and fairly. Should **************** have any additional questions or concerns, he can contact the credit association directly and we would be happy to assist him.

• Initial Complaint

  Date:10/02/2023

  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 was attacked by a German ******* on 9/5/23 while on my delivery route at Fed Ex Express. I have since then been on medical leave. I finally received a check from FedEx Express ********* Comp. The check drafted from ***** *********** There isn't a brick and mortar fecca in ******* where I reside. So I went to a shared branch in *******, ** to deposit the check into my account. I was unaware that they put a hold on my check until the 9th of October. Had I known this I wouldn't have deposited it. I have bills that are going to be late and I am also going to incur late fees. I called Fecca and they stated that they couldn't verify the check due to it being a shared branch and they also stated ***** Fargo didn't verify checks. So if they refuse to remove the hold from the check then I think Fecca should be responsible for the late fees from my power co, water co, car insurance and car payment. Because I have never heard of a bank not willing to verify a check. I am still off work so it's not like I have additional income coming in. This is totally ridiculous.

  

  Business Response

  Date: 10/03/2023

  FedEx Employees Credit Association sincerely apologizes to ************** for the inconvenience she has experienced regarding her shared branch check deposit. We take member concerns very seriously and have ensured that the appropriate procedures were followed in this matter. Our agents were actively trying to assist ************** throughout the process and were able to obtain the verification needed to release the hold this morning. ************** has been notified that the matter has been resolved, and her funds have been released. If she has any questions or additional concerns, we encourage her to reach out to us for assistance.

  Customer Answer

  Date: 10/07/2023

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

  
  Sincerely,
  
  ***********************

  4132 *****************

  *********, ** 35049