Complaints

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

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  Virginia Credit Union, Inc.

  PO Box 90010 Richmond, VA 23225-9010

  
• 

  Virginia Credit Union, Inc.

  PO Box 90010 Richmond, VA 23225-9010

  

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:06/11/2025

  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 mom recently passed away and she had the vehicle through the Virginia credit Union in Farmville Virginia. I have been trying to get the vehicle put in my name so I can finish paying it off. Ever since Friday of last week I have been getting the run around with these people. I take off work June 9th and the 10th to try and get this resolved because of the decals on the vehicle. I talked to a girl Monday morning and she tells me that the girl that does that is not in the office that Monday but will be back Tuesday and I will get a call back. So I take off another day which is June 10th and I drive all the way down to the Virginia credit Union to resolve this and go to the **** I brought my mother's Death certificate and everything. So I get to the office and AGAIN nobody can get ahold of the girl named ****** that does that. So another day I wasted. So I call back this evening June 11th and I still haven't gotten this resolved. I asked the girl on the phone who else can help me she tells me there's nobody else in the office that can do that. She puts me on hold and comes back to the phone and tells me that nobody in the department she works in knows her schedule or when she is coming back. They keep giving me the run around seems like. All I'm trying to do is put the vehicle in my name. Each day I talk to someone they ask for a good number to reach me and I don't hear anything from them. It's definitely bad business. So I'm reaching out to y'all to help me resolve this situation. I'm tired of missing work and nothing is getting done.

  

  Business Response

  Date: 06/12/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

• Initial Complaint

  Date:04/21/2025

  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 was close to $3500 taken out of my joint account back in January 2025. I had received a court summons a few months prior and contacted **** and set up a payment plan on the credit card that was delinquent. I was told that once I made a payment of $150, I would not have to go to court. Fast forward to Jan 2025 and I receive a message from my fiance that the full amount of the credit card has been taking out of our **************** account. I had been making payments on a closed account but I never received a notice stating the account is closed. I then go to the original court date on the summons which was 3/10/25 just to be told that I was not on the court registry to be seen. I was then told by the court to get a letter of satisfaction by the court clerk. I missed work for nothing. I continuously contact **** regarding refunding my payments and closing the account as it it still adding interest and I wasn't going to pay any more payments. The last I heard was someone was going to contact me back and it has been over two weeks since I received a call. Every time I call, no one can give me a direct answer as to when the money taken from my main account at **************** will be applied to the delinquent credit card account so it can be closed. I have spoken to *** and ***** mainly and no one has mentioned the close to $600 I've paid to an account that was supposed to be closed. No one can give the attorney used for this case either. I want a full refund before I pursue legal action. It feels like a scam.

  

  Business Response

  Date: 04/21/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information,please contact our member directly.

  Customer Answer

  Date: 04/21/2025

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have contacted VACU SEVERAL times with no resolve. 
  
  Regards,
  
  ******* *******
  
  
  
  
  

• Initial Complaint

  Date:03/23/2025

  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 have attempted to make payment on my debts with **** for two months. They have refused to take payment online or over the phone in that time.Instead, they say I need to use their automatic payment service that costs users additional money. This is an attempt to make the only usable option the one that makes them money.They have both my email and phone number to get in touch with me. In the whole two months, they have only attempted to contact me once by phone. They hung up on me when I answered the phone.While this is happening, my credit score and financial stability have been negatively impacted by VACUs actions. I would like my credit report amended and to be able to make payment.

  

  Business Response

  Date: 03/24/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

  Customer Answer

  Date: 03/24/2025

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have not been contacted by the business, despite them claiming to contact me via written response. They continue to waste my time and damage my credit score.
  
  Regards,
  
  ****** *******
  
  
  
  
  

• Initial Complaint

  Date:03/18/2025

  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.

  To whom this may concern,I sent an international wire through my bank (****) on 2/13/25 to ******************* but it was sent with the incorrect account number so it never made it to it's destination. I visited my local location again on 2/20/25 after being informed by my broker that the information needed fixing and a representative at the bank worked with me to recall the wire which they said they initiated on the following day, 2/21/25. I was told it would take up to 15 business days for my wire of $1700 to be returned to me, however it is now 3/18/25 and well past that ***** It seems the bank is just holding my money for some reason but I still have all the receipts and funding instructions from the broker themselves. I simply just want my wire of $1700 returned to me but the bank is unwilling to do anymore than call another department and relay the same message to me. Any help would be appreciated, thanks.

  

  Business Response

  Date: 03/19/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

  Customer Answer

  Date: 03/25/2025

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I simply just want my money returned, I do not wish to go back and forth with the bank. They made a mistake, not a multimillion dollar mistake, but a $1700 mistake. It should not be this difficult or take this long for them to return my money as they said they would. 
  
  Regards,
  
  ******* ****
  
  
  
  
  

  Customer Answer

  Date: 04/03/2025

  The business has now satisfied my request, thank 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.

  **** charged off a credit card account years ago, got a judgment against me, and allowed me to make payments. I left a toxic work environment in 2023 due to concerns for my mental and physical health. I was unemployed for over a year and could not afford to pay anything more than a mortgage and utilities, depleting my savings. I mailed the credit union to inform them of my situation and never received a response. I started back to work in 9/25, now making $30k less with multiple bills in arrears. Without warning, VACU is now garnishing my wages. I emailed and called to set up a payment plan but have thus far not had anyone to contact me. I did the same when they served the original summons for a judgment and the person who spoke with me refused to make payment arrangements to stop the court proceedings. I dont want to file bankruptcy but may have to since they are garnishing my wages and not returning calls. Im struggling to find additional work to recover the 30k annually I was making at my last job. I am committed to paying my debts, but its just been hard trying to work with the ***** They tanked my credit before and are set to do it again. I will continue trying to reach someone until this goes to court in two days, but I am doubtful they will negotiate.

  

  Business Response

  Date: 03/13/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

• Initial Complaint

  Date:03/10/2025

  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.

  I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  

  Business Response

  Date: 03/10/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

• Initial Complaint

  Date:03/07/2025

  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.

  Virginia credit union put hold on some of my taxes money.

  

  Business Response

  Date: 03/07/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

• Initial Complaint

  Date:02/12/2025

  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.

  We enrolled in autodraft when we opened the mortgage. We confirmed auto draft three separate times - on the phone with the bank, in the branch office, and via the website and app. We are told it was never setup although we have confirmation. December, we were charged a late fee and discussed with the bank on the phone. What the issue was that we had set up auto draft. They apologized and reverse the charges, and assured us that we were, indeed, set up with auto draft. We just received another letter telling us that we are two months behind on our mortgage, although we were under the impression that we were paying via auto draft. My credit score tanked 108 points from 830 to 722 because of this. We are frustrated because we were told by several employees at every interaction that we had indeed set up auto draft and that everything was complete. It was not until today, that we were told it was not in fact complete although we have evidence on the website and the app that it is. We have paid the two months mortgage, but are not paying the late fee at this moment. We also are having to fix our credit scores through disputes. We had such a wonderful experience, setting up our mortgage and with the employees at the branch. This has been a disappointing turn, and we would like to remain customers as we have put all of our accounts in the ***** hand.

  

  Business Response

  Date: 02/13/2025

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

  Customer Answer

  Date: 02/13/2025

  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: *********************************************************************************.
  
  Regards,
  
  ****** ***** Guthrie *******
  
  
  
  

• Initial Complaint

  Date:12/12/2024

  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.

  I refinanced an auto loan with them that never got paid off.

  

  Business Response

  Date: 12/13/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

• Initial Complaint

  Date:12/03/2024

  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.

  On November 14, 2024 my account was hacked. As of December 3, 2024 this issue is not resolved. It was charged thousand of dollars from numerous businesses and a balance transfer. I have been in constant contact but have not received much information. The balance as it stands today is not correct and when I try to make contact they tell me they can't verify the card. The card can't be verified because I have never received the new one, because they hacked that one as well all in the same day when they issued me a new card number. I am unable to pull the statement because the initial card is closed. When I called today I was advised they can't see it what the statement balance was prior to the account being hacked. As of now I have no idea what the balance was prior and I don't believe the current balance is accurate. This company even started reversing charges that I specifically told them I made prior to the hacking. So as of now I have to deal with various companies to rectify that. Nothing is being resolved and I am left out the loop. I went to the branch and was advised I had to make contact over the phone but that is getting me no where. Any help on getting this resolved will be greatly appreciated. I have attempted to do the leg work but have been unsuccessful. By the way this is the second account that was hacked within this company.

  

  Business Response

  Date: 12/04/2024

  We are in receipt of this complaint. In the interest of protecting our members privacy, we will address the matter directly via written response. For further information, please contact our member directly.

  Customer Answer

  Date: 12/07/2024

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: *********************************************************************************.
  
  Regards,
  
  ********* *********