Complaints

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

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  EECU Credit Union

  1617 W 7th St Fort Worth, TX 76102-2503

  
• 

  EECU Credit Union

  1600 Campus Dr Hurst, TX 76054-3260

  
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  EECU Credit Union

  1720 Highway 287 N Mansfield, TX 76063-7534

  
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  EECU Credit Union

  717 W Bailey Boswell Rd Fort Worth, TX 76179-1011

  
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  EECU Credit Union

  1460 W Southlake Blvd Southlake, TX 76092-5901

  

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:06/08/2025

  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.

  EECU is trying to impose $140 on my monthly car payments with them. $140 is what EECU claims is an insurance for car loan. I have bought my car from Grapevine ****** and I also have my car's full coverage insurance that is with ************** so why would I pay EECU $140 for what?

  

  Business Response

  Date: 06/13/2025

  Thank you for taking the time to share your concerns. We truly understand that seeing a $140 charge for collateral protection insurance (CPI) can be both surprising and frustrating. CPI coverage is placed to protect both you and the credit union’s interest in the vehicle securing the repayment of your loan.

  Please know that placing CPI is never our goal — it is simply a safeguard we use when we have not received proof of insurance that meets the requirements outlined in your loan agreement.  We want to reassure you that if you have had your own insurance in place during this time, and it meets those requirements, we will gladly reimburse the cost of CPI once we receive that documentation. 
  

  We sincerely apologize for any inconvenience this may have caused. Our team is here to help, and we want to make this process as easy as possible for you.
  

  If you haven’t already done so, please reach out to us so we can work together to resolve this quickly.
  
  Thank you again for being a valued member of our credit union. We appreciate the opportunity to serve you.

• Initial Complaint

  Date:04/02/2025

  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.

  There are two unfamiliar EECU accounts appearing on my credit report. In July 2023, I discovered that my personal information was compromised in a data breach, which I reported to the ***. I was never informed of any alleged debt from this company, nor did I receive any correspondence regarding these accounts being charged off. Had I been notified, I would have disputed them sooner. The accounts in question are 19XXXX and 528844XXXXXX. Additionally, TransUnion reports one account as ************, while Experian and Equifax list the same account under ************, creating a clear reporting inconsistency and FCRA violation. Not only are these accounts unverified and unknown to me, but they are also being reported inaccurately. I have attached my data breach claim and expect both accounts to be immediately removed from my credit report.

  

  Business Response

  Date: 04/11/2025

  Thank you for bringing this matter to our attention. At EECU, we take the privacy and security of our members information seriously,and we are committed to resolving any concerns in a timely and transparent manner.
  
  Due to the public nature of this forum, we are unable to disclose or discuss specific account details. However, we want to assure you that all information being reported by EECU is accurate based on our records. We have reached out directly to the individual regarding this matter and are currently awaiting a response.
  
  EECU remains committed to working with individuals to resolve any concerns and encourages them to respond to our outreach so we may address the issue directly and appropriately.  At EECU, we are committed to providing a Better Way of Banking. 

  Customer Answer

  Date: 04/15/2025

  Complaint: 23139905
  
  I am rejecting this response because: EECUs response fails to address the specific inaccuracies I raised in my original complaint. Simply stating that the reporting is accurate based on our records without providing any documentation or directly acknowledging the items in dispute is neither transparent nor sufficient.
  Furthermore, I have not received any direct outreach from EECU as their response falsely claims. This type of generic reply is a known stall tactic, often used to deflect responsibility without resolving the core issue. If EECU truly could not discuss this matter due to the "public nature of the forum," then the option to file a complaint here would not exist. The BBB is specifically in place for consumers to voice their concerns publicly. The company is clearly aware that these complaints are visible, yet continues to avoid accountability and refuses to take action to remove the account. If I, the consumer, am stating that this account is unfamiliar to me, and have provided proof of a data breach that exposed my personal information, then I do not have to accept these unverifiable accounts remaining on my report. I am exercising my consumer rights to escalate this matter due to the potential harm and **** violations involved. Additionally, this serves as a formal cease and desist. I do not wish to be contacted outside of the BBB portal. All communication should be documented through this platform only. Once again, I am requesting the removal of these unverified accounts from my ********************** report immediately due to the statute of limitations and the fact that these accounts were never proven to be anything that I've done.
  
  Regards,
  
  ****** *******

  

  Business Response

  Date: 04/22/2025

  EECU takes all member concerns seriously and is committed to responding to each one in a timely and respectful manner. We make every effort to address member inquiries thoroughly, and we regret that our previous response did not meet Mr. ******** expectations.
  
  While we are limited in the amount of account-specific detail we can share in a public forum such as the BBB, we want to reassure ********** that our response was based on a careful review of the accounts. Our intent is never to dismiss or deflect concerns, but rather to resolve them in a manner that is fair, compliant with applicable laws, and respectful of our members rights.
  
  Since Mr. ******* does not want to be contacted directly, please ask him to contact EECUs Chief Risk Officer and General Counsel and he can provide him with several documents, including signed loan applications, signed loan agreements, letters, and internal contact notes identifying dates and times Mr. ******* was contacted by an EECU representative.
  
  Regarding Mr. ******** statement about a discrepancy in the reporting of account numbers on his ********************** reports, we would like to point out that the account numbers are the same. *************************** chose to drop the first 4 digits of the loan number (5288) from its reporting. 
  
  At EECU, we are committed to providing a Better Way of Banking. 

  Customer Answer

  Date: 04/23/2025

  Complaint: 23139905
  
  I am rejecting this response because: You stated to contact the *** but failed to provide the name and contact information of the Chief Risk Officer. You also responded to the varying account numbers but failed to address the continuation of notating that account as **** well into 2025 when the date of last payment was 2020/2021. This is inaccurate and misleading. A charge-off is a one-time event, not an ongoing status to be re-applied monthly. By continuing to report fresh charge-off notations without any new activity, the account is being falsely portrayed as currently delinquent, which is a direct violation of the Fair Credit Reporting Act (FCRA). The Date of Last Activity (DLA) is a critical reporting element, and since there has been no communication or payment since 2020/2021, the account should not reflect continued delinquency in 2025. This kind of reporting ***** consumers and misrepresents the true status of the account. I am requesting this be corrected and the erroneous charge-off updates be removed immediately.
  
  Regards,
  
  ****** *******

  

  Business Response

  Date: 05/08/2025

  Thank you for your continued feedback.

  As previously noted, the Better Business Bureau is a public forum, and in the interest of protecting your privacy and maintaining compliance with applicable regulations, we are unable to discuss or disclose specific account details in this space.
  

  We can confirm that you have been in direct communication with EECUs Chief Risk Officer, and that this matter is currently under review through the appropriate channels equipped to handle concerns of this nature. We encourage you to continue working through that direct line of communication, as it remains the most effective path toward resolution.
  

  With respect to your credit reporting concerns, we reaffirm that EECU complies with all applicable laws and regulatory requirements, including those outlined in the Fair Credit Reporting Act (FCRA), when furnishing information to the credit bureaus. Based on our review, the reporting accurately reflects the current status of the account. Should you have new information to provide, we remain open to reviewing any supporting documentation through the appropriate forum.
  

  We appreciate your patience as this matter is given the careful attention it requires.

• Initial Complaint

  Date:03/20/2025

  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.

  It has come to my attention that EECU failed to include a notice of dispute in my credit report concerning an account in my name. This failure constitutes a violation of the **Fair Credit Reporting Act (FCRA) Section 623(a)(3)** and/or the **Fair Debt Collection Practices Act (FDCPA) Section 807(8)**. According to the provisions of the ****, Section 623(a)(3), furnishers of information are obligated to notify credit reporting agencies if an account is disputed by the consumer. Additionally, under the ****** Section 807(8), any omission or misrepresentation of disputed information is explicitly prohibited. As of todays date, my credit report does not reflect the required notice of dispute for this account. This omission directly impacts my creditworthiness and exposes me to undue harm. I kindly request that EECU take immediate corrective action, and update this account to PAID NEVER LATE.I am attaching a letter and certified mail receipts of letters that I've sent to EECU regarding this.

  

  Business Response

  Date: 04/01/2025

  At EECU, we take our members concerns seriously and appreciate the opportunity to address them. Due to the public nature of this forum, we are unable to discuss specific details regarding this matter. However, we have been in direct contact with our member and have worked with him to resolve his concerns.
  
  Additionally, we have provided guidance on steps to help prevent similar issues in the future. If any further assistance is needed, we encourage our member to reach out to us directly so we can continue to support him. At EECU, we strive to provide a Better Way of Banking.

  Customer Answer

  Date: 04/01/2025

  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.
  
  Regards,
  
  ***** ********

• 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.

  On February 14 I made a mobile deposit for $500. My son received a check for work performed where he lives in the amount of $500. He has no checking/saving account and no transportation so he could not go to ***** to cash it and he has not received his replacement Drivers License either. He endorsed the check to me and I signed it and did the mobile deposit on Feb 14 and received a confirmation number listed on the back of the check.Two days later I sent my wife the money to give him. Four days later, unknown to me at the time EECU reversed the deposit and then charged me 3 $34 charges for payments from my account to my ********************** cards. I do not check my account regularly as I always had funds there. I went to get a part at ********** and the bank card was refused 2x. I went in that night and discovered the account was over $300 in the hole. I tried to call but EECU has no weekend after hours customer support. I went to the bank Monday, February 24 and was told they do not allow 3rd party checks on mobile deposit. I have been doing mobile deposits for years and this was my 1st 3rd party check and no where when depositing online do they have any flag about 3rd party checks. Good coding would have a pop up asking if 3rd party and then deny the deposit...instead I received a confirmation nbr.The assist mgr at the School branch in ********* informed me about the 3rd party check rule. Said she would have to put a 5 day hold on the check which I had taken with me. Then could only waive 2 of the 3 $34 chges. Then told the clerk to put in my savings on a 7 day hold. I went in today to savings and the funds were not released so I called the after hours nbr. On hold then a young lady said the check hold person could fix it-back on hold 3 to 5 minutes. ***** came on n ************ w info on the check-she spoke to a Supervisor who said the check would have to be on hold another days to Mar 5. First I get a confo nbr then told 5 days but put 7 days hold now 10 days.

  

  Business Response

  Date: 03/27/2025

  Thank you for reaching out regarding the deposit and reversal of a third-party check through EECUs remote deposit capture application. We appreciate the opportunity to address your concerns and understand the importance of clear communication.
  
  To protect our members and ensure the security of transactions, EECU does not permit the deposit of third-party checks through our remote deposit capture service. As a result, your deposit was reversed in accordance with our policies. We apologize for any inconvenience this may have caused.
  
  Our AVP of ************************ has since contacted you to provide further clarification, and we understand the matter has been resolved. If you have any further questions or concerns, please dont hesitate to reach out. We value your membership and appreciate the opportunity to serve you.

• Initial Complaint

  Date:03/12/2025

  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.

  I am not liable for this debt with EECU. I do not have a contract with EECU they did not provide with the original contract as I requested.

  

  Business Response

  Date: 03/26/2025

  ****************** you for reaching out to us. We understand your concerns and appreciate the opportunity to assist you. Please note that,due to the public nature of this forum, we are limited in the information we can disclose.  However, we can confirm that you entered into a Motor Vehicle Installment Sales Contract with Classic Chevrolet in Grapevine, *****, for the purchase of a 2014 Chevrolet Silverado 2500. This contract was subsequently assigned to EECU. To ensure we address your concerns fully, we encourage you to contact us directly at ************.We would be happy to provide you with a copy of your contract and discuss any questions you may have regarding credit reporting. We are committed to providing clear and accurate information and look forward to assisting you.

• Initial Complaint

  Date:02/27/2025

  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.

  I specifically opened an account with this bank because they said my direct deposit Calpers checks would be available 2 days earlier each month. I had this same service with my credit union in ********** and then in *******, **. This has never happened yet and they even advertise this on the web. This is false advertisement and the Granbury branch also provided me with inaccurate information.

  

  Business Response

  Date: 03/10/2025

  Thank you for bringing this matter to our attention. We sincerely apologize for any confusion or inconvenience you have experienced.Our team has made several attempts to reach you but has been unsuccessful.
  
  It appears there may be some misunderstanding regarding the type of account you opened and its eligibility for early payroll. We are committed to providing clarity and resolving any concerns you may have. At your earliest convenience, please contact us at ************. We would be more than happy to speak with you directly and assist in any way we can.
  
  We value your relationship with EECU and strive to provide a Better Way of Banking. Thank you for giving us the opportunity to address this matter.

• Initial Complaint

  Date:02/04/2025

  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.

  I call member services on 02/01/2025 at 9:38am to request for a stop check on an money order the ***resentative over the phone could not find the money order so i went to the branch while being on the phone with the *** off of ******************************************* and talked to the Assistant branch manager ****** he pulled up the money check number i provided the information to the ***resentative and the talked to the back office to get it stopped and they said they did but the money never went back into the account and ****** was witness to the entire phone call I had at that time $190 so ****** so I have enough to do another money order and pulled a $112.50 money order which left me just enough to cover the $68 gas bill I did so I would not go negative and yet the money never when back into the bank at all which has put me in a bind i cant eat I cant even put gas in the rental I have to bring back 02/04/25. I do see the stop check but it taking forever to get it back I think its funny how quick a bank can take money out but how long it takes to put it back it take forever

  

  Business Response

  Date: 02/14/2025

  ******************* you for bringing this matter to our attention. We sincerely regret the frustration and hardship this situation has caused you. Ensuring a smooth and efficient resolution to your request is important to us, and we understand how critical these funds are for your daily needs.  It is our understanding that this matter has been resolved.  If you have additional questions, please do not hesitate to contact us. 

• Initial Complaint

  Date:02/03/2025

  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.

  I was charged $110.00 from EECU for failure of insurance. I have had insurance on my vehicle the entire time. I had to update my homeowners insurance that was bundled with my auto a few months back. I did notify my new insurance provider which is ******** who my car loan was with so they can update them with my new w insurance information. I never had any calls, emails or mail from eecu asking to verify insurance. I paid my January car note on Jan 21st and started recieving phone calls from eecu telling me I was past due so I contacted them to see what the issue was. They proceded to advise me I had an extra balance owed of $110.00 due to not having insurance. I explained I have a new provider and they sent you all the declration page back a few months ago when I switched. EECU said they never recieved it so I sent them an email of my declration page. I recieved an email stating that it would take 2 days for them to reviews. I never heard back and continued to notice my online portal showed I owed my full car payment plus the $110 which showe me almost 25 days past due. I worked really hard on my credit and have NEVER had a credit hit on my account for paying late so I contacted them to see what I could do to prevent that. I felt concerned that they showed me past due for the full amount which looks like I never made my January payment when In fact I paid it on January 21st. This caused me extra interest from finance charges plus potentially giving me a credit hit. The insurance told me they never received the email I sent over to them with my proof of insurance even though they emailed me telling me they did. She called the insurance and verified on Friday January 31st that I did in fact have insurance. She told me they would remove the $110.00 charge but it would take 7-10 days. That I would still have to pay it to no longer show past due. I borrowed the funds to pay it but feel this was not legally correct. Please help me.

  

  Business Response

  Date: 02/14/2025

  ****************** you for reaching out. Due to the public nature of this forum, we are limited in the details we can provide regarding your auto loan. However, we want to assure you that our priority is to protect both your interests and the security of the loan.
  
  When we received notice that your insurance policy with ***** had been canceled, we were required to place insurance on the vehicle to ensure it remained properly covered as collateral for the loan. We understand that this situation may have been frustrating, and we appreciate your patience as we worked through the issue.
  
  We are pleased to inform you that the insurance matter has been resolved, and your account will be ************************ accordingly. If you have any further questions or need additional assistance, please do not hesitate to reach out.
  
  Thank you for allowing us to assist you.

• Initial Complaint

  Date:01/16/2025

  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.

  My Zelle does not work right at all I can even send money without a error the branch tried completely un enrolling me from Zelle and enrolling me but it still says when trying to send money the phone number is currently in use by another contact and I even cleared all saved ***** contacts and it still does it

  

  Business Response

  Date: 01/17/2025

  ************** We are pleased to hear that our ************** Manager was able to assist you with this matter. We understand how frustrating these situations can be, and we want to ensure that you feel supported moving forward. As part of our commitment to your satisfaction, the manager has provided you with his direct contact information and remains available to assist you should any further issues arise. Please dont hesitate to reach out if you need additional support.

• Initial Complaint

  Date:01/13/2025

  Type:Customer Service 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.

  You should not have to call in to limit the sharing of your personal information. Additionally, there is no way to prove that they truly opted you out of sharing your personal information. You just have to take the operator's word for it. This sounds like a Class Action Lawsuit waiting to happen.

  

  Business Response

  Date: 01/15/2025

  Thank you for sharing your concerns with us. Protecting the privacy and security of our members information is a top priority for EECU. As this is a public forum, we are unable to discuss specific account details here. However,we encourage you to contact EECUs Chief Risk Officer at ************. He will be happy to provide further assistance and address any questions you may have,including details about our privacy practices and commitment to confidentiality.