Complaints

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

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• 

  Spokane Teachers Credit Union

  1620 N Signal Dr Liberty Lake, WA 99019-9517

  
• 

  Spokane Teachers Credit Union - Chewelah Branch

  111 S. 2nd St. E. Chewelah, WA 99109

  
• 

  Spokane Teachers Credit Union - Coulee City Branch

  309 W Main St Coulee City, WA 99115

  
• 

  Spokane Teachers Credit Union - South Valley Branch

  13211 E 32nd Ave Spokane Vly, WA 99216

  
• 

  Spokane Teachers Credit Union - Newport Branch

  202 W Walnut St Newport, WA 99156

  

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:04/17/2025

  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 have been with Spokane Teachers Credit Union for quite a few years. I always entrusted them as my financial institution. I make a credit card payment and a home loan payment to them every month on the app on my cell phone. Recently i noticed i had some unusual transactions on my account. One being from Amazon music. I called ****** who informed me that my ex husband **** was using my account. After hearing this i contacted STCU on 03/20/2025 and the first *** i spoke to advised me that **** was taken off my account 06/18/2021 but STCU did not close his card. I have documentation of the deletion of him from my account on 06/17/2021 processed by **** ***** and a name deletion card on 06/17/2021 processed by **** *****. I was provided by STCU a spread sheet of the transactions that were from my ex husbands card ending in 7950. Along with this spread sheet was stated they would give me a provisional credit and have to do the investigation. I also want to note the reason i didn't catch this sooner is because on the STCU app you can not see the card that is being used and i do not have access to a computer. I received letter's from STCU stating of the amounts of the provisional credit and then another letter right after that stating they are denying the disputes. I proceeded to call the dispute department on 04/02/2025 and spoke to a ***resentative who advised me that they are denying my disputes because per the document i received many years ago in the fine print it reads i am to monitor my account once to twice a month. They will only reimburse me for the first 90 days after deletion. I explained to the *** that via the app I can not see what card is being used and the transactions were not huge amounts so it wasn't alarming. She advised me to go speak to a branch manager. I proceeded to go to the Argonne Branch and speak with *****. Who called me back on 04/16/2025 to inform me their decision stands. This is so unfortunate over $900 that i will be leaving STCU.

• Initial Complaint

  Date:04/14/2025

  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.

  The bank refuses to resolve unauthorized, fraudulent charges on my account.

  

  Business Response

  Date: 04/18/2025

  Attached is our response to complaint # ********.

  Thank you.

• Initial Complaint

  Date:04/01/2025

  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.

  I had a credit card account with ******************** and went into delinquency and the account was sent to a collection. I got ahold of the collection agency and setup a payment plan for monthly payments since May of 2024. I have proof of payment history with collection agency. Med February I wanted to do a refinance on my home but was denied because of my credit report. The refinancing company said stcu is being reporting me delinquent since January 2024. I have proof of that as well. I call stcu and try to fix the issue but they said they will keep reporting till the account is paid off. I told her its not fair that I am paying on the account and still getting reported.

  

  Business Response

  Date: 04/04/2025

  Attached is our response to complaint #********.

  Thank you, 

  ****** *****

• Initial Complaint

  Date:08/12/2024

  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.

  The manager ******* never called me back, she said they gave my bank account to someone else and she said when the bank merged from coulee dam federal credit union to stcu bank my bank account number was given to someone else my bank account hasn't been escheated I waited around two hours and I called managed to ask her if she figured anything out she said she would call me back and never did, also she was aggressive towards my friend even got in her face and like she wanted to fight her it was very unprofessional. I just want to withdraw my money from my account but they won't let me. The last statement I got from them was in 2015. I never closed my account it just doesn't make sense to me why they can't give me my money it's my account the manager ******* is extremely rude and unreliable I'm still awaiting her call back that probably won't ever happen

  

  Business Response

  Date: 08/22/2024

  Hello, 

  Our response to the complaint is attached.

  Thank you.

• Initial Complaint

  Date:06/19/2024

  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.

  Dear Better Business Bureau,I am writing to seek your assistance regarding an ongoing issue I am experiencing with Spokane Teachers Credit Union (STCU). I recently refinanced my car with STCU, and they have requested proof of insurance. Despite my repeated efforts to provide the necessary documentation, the issue remains unresolved.To date, I have sent the following documents to STCU multiple times:Insurance binder Emails from **** confirming my insurance coverage Insurance ID cards Despite these submissions, STCU continues to request proof of insurance. I am at a loss as to what additional documentation I can provide to satisfy their requirements, and I am concerned about potential fines or penalties for not having insurance, which is not the case.I am requesting your assistance in resolving this matter promptly to avoid any unwarranted penalties. I appreciate your attention to this issue and look forward to your guidance.Thank you for your time and assistance.

  

  Business Response

  Date: 06/26/2024

  Good afternoon, 

  Attached is the letter that we have provided to the individual regarding his complaint.

  Thank you, 

  ***********************

  Customer Answer

  Date: 06/26/2024

   
  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:06/13/2024

  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.

  On Tuesday, June 11, 2024, I went to the *************** branch of STCU to deposit some checks. When I used *** to deposit a check for $10,000 the screen froze on "One moment please" for over a minute, so I tried to cancel the transaction, but nothing happened. Finally, the screen said "Do you want to cancel this transaction?" I hit cancel, the *** spit out my bank card but kept my $10,000 check. When the bank opened I told them the *** malfunctioned and ate my check. A bank manager said, "Do you want to file a dispute?" I said, "No I want my check back." She said, "Well then you have to file a dispute." I said, "I don't understand, how is this going to get my check back?" She said, "The maintenance men come once a week and someone will call you." Confused, I said, "Maintenance men? Do they bring the checks into you then?" She laughed and said, "No they keep them." I say, "How long do they keep them?" She smiled, shrugged and said, "Forever?" At this point I'm done talking to her and ask to speak to someone else. I explained again to the new manager what happened. She said "Lumens comes twice a week and they've already been here once so someone will call you." I deduce that Lumens is a contractor for the ***. I tell her I just want my check back. She laughs and says, "Oh this a common . . ." then catches herself and says, "No, I mean it's not uncommon for this to happen" and laughs again. Then she asks me, "Is this a check you were expecting?" Like, I don't know, does she think I tried to deposit one of those fake checks car dealerships mail you? Like a check for $10,000 just dropped in my lap with me not knowing where it came from? I might be old but I'm not stupid! I just glared at her and say yes it's from my son. Then they read aloud something about police investigation and fraud, apparently a warning to me. "Do you want to proceed?" "YES." I want my check back and an apology for all the laughs they had at my expense for a truly upsetting experience.

  

  Business Response

  Date: 06/17/2024

  We have provided the attached letter to that has been mailed to the member.

  Customer Answer

  Date: 07/22/2024

  After filing a complaint to the BBB that STCU ATM had lost my check deposit for $10,000 and the bank did nothing but say that someone would call me, I got a call from the bank manager saying they had credited my account $10,000. I transferred it to savings and thought no more about it. However, they did not attempt to cash the check until a month later and the funds had been used for something else (this is my son's account). They sent me a letter saying they would contact the institution a second time to request payment but my account was frozen for 7 days even though I had $1400 over the $10k. This happened on the 12th of July, my son transferred $10,000 to that account the same day and it was available by the 15th. When they had not redeemed the check by the 18th, I contacted them. They replied that "We will never re-attempt a deposit, but you are more than welcome to make that deposit again if you would like!" Please make these nitwits pick a position that makes sense and finish this transaction.

  

  Business Response

  Date: 07/24/2024

  Attached is our response to the reopened complaint.

  Customer Answer

  Date: 07/24/2024

   
  Complaint: 21845178
  
  I am rejecting this response because: I have been inconvenienced and forced to deal with you for over six weeks because of your bad business practices. When the $10,000 check disappeared into  your ***,  I think a normal response would have been to close the *** because it was malfunctioning, notify the so-called (by your staff) "maintenance men" and get the check back immediately. Instead, I was told to "file a dispute". Your *** stole my check but I'm expected to "dispute" it.  Then I was ridiculed by your staff who laughed and asked if I had been expecting the check, as if I'd tried to deposit a fake check that just fell out of nowhere. They obviously thought I was trying to scam the bank. I was told that "Someone will call you" and offered a copy of the "dispute". That's it.  Yes, you provided credit for the check - but only AFTER I complained to the Better Business Bureau. When I started moving money out of the account, you suddenly found the check. When the check was returned, you froze my account - even though I had enough money in my accounts to cover it. You're a bank and you did not try to redeem that check for an entire month, which is why there weren't funds to cover it. Most people don't keep $10,000 in their checking account, they keep it in a money market. $10,000 at 4% for one month is $400, which, had the check had gone through, I believe you should have reimbursed the payer for. I'd also like to mention that you sent me conflicting information, one letter saying you would try to redeem the check again and then later a message from a CSR who said you "NEVER" try to redeem a bad check. At any rate, I'm done with STCU and as soon as my automatic payments and deposits move to my new bank, I will no longer be your customer. I was with you for many years and I am very disappointed in your handling of this entire affair. And you can be sure I will tell everyone I know about this so they don't have to go through the same thing. 

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

• Initial Complaint

  Date:09/07/2023

  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.

  I mistakenly paid this company my hospital bill since online they seemed to be associated with the hospital. After noticing they charged me a fee to pay I contacted the hospital they told me they are not affiliated with doxo and it was a scam. None of the money I paid was sent to the hospital NONE.

  

  Business Response

  Date: 09/14/2023

  Hello, 

  I attached the response we provided to the member. 

  Thank you.

• Initial Complaint

  Date:08/17/2023

  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.

  I had inquired about home equity loan options and we had decided that it would help us get some work done around our property and also pay off some bills. I started this process around March 26th 2023 and I feel I was greatly mislead. I know the detriment to a high interest rate but I had never inquired about home equity loans before. I wanted to make sure that the interest rate would not be outrageous and I continued to ask about this during my conversations with the loan officer. I feel she was evasive and left me hanging. I have all of the e-mails and have put most of them together in a document form. She really did not explain things well and lead me to believe that my interest rate would be around 8% and said my payments would probably be around $450 (which the e-mails show these statements) She kept saying "just another couple days" or "Just another week or so". I had called a few times and did not feel that she ever explained ANYTHING very well but just kept putting me off. I strongly believe that she misrepresented the process and the interest rate, maybe to get the sale, I do not know but now I have a HELOC with a $60,000 balance and a 14% interest rate and it is killing us. The payments are $700/month and that is just paying the interest. The way she handled this was very wrong. I have attached the document with the e-mails and I have not deleted any of the emails between myself and her

  

  Business Response

  Date: 08/25/2023

  Attached is our response to the complaint. Thank you.

• Initial Complaint

  Date:08/09/2023

  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.

  Ive been an STCU member since 2017. Year after year Ive tried getting my first credit card from you guys. No credit to speak of, ** told to get a credit card to get credit, yet not having credit doesnt let me get a card with STCU. Further more, I tried for the 14th time to get a credit card over the years, never had one before and I needed one to get a car so I could keep my job. But I was told I had to hold my job for 4 months to get a credit card. Thus I lost my job because I couldnt get a card. How is me, an STCU member for six years, supposed to ever get his first credit card? Ive never been able to get a car because you guys wont let me have a credit card. Not letting me because I cant hold a job long when the credit card is what I needed to be able to hold my job? Like what am I supposed to do? Im 23 now and trusting STCU has screwed me

  

  Business Response

  Date: 08/17/2023

  Attached is the response to complaint #********.

  Thank you,

  ***********************

• Initial Complaint

  Date:08/03/2023

  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.

  I would like to file a formal complaint against STCU credit unit. They failed to report important information honestly to Loss Mitiagtion and gave us false information several times for months that could have prevented in me owing over $9,000 in past due mortgage and legal fees against our home loan. We were told by Loss Mitigation today that there was nothing they could do once they send out that default notice on the home even if it was STCU at fault. They reported that I wasn't making contact falsely and that I wasn't taking the loss calls because we were told by STCU not to on May 26th in a meeting. We would have looked into options with the ************************** and taken their phone calls and answered the door to the people they sent except the manager at STCU and the gentleman from the finance department we spoke with on May 26th told us not to because we were getting scammed. They told us they don't have outside sources that try to refinance home loans like that, I mentioned ***** by name and gave her number and asked to verify who she was. The manager at STCU said they had no idea who that was on May 26th. I found out today that she works for Loss Mitiagtion and was trying to get in touch with us before the loan defaulted and STCU failed to tell us that that day so we could fix it when our balance was at that $3,000. STCU told me that person didnt work for them and to call the police if they showed up again, looked up our account in front of my wife and I and told us that we didn't need to pay back the $3,000 our account was at back on May 26th at our meeting and that the people sent by ***** didnt mean we needed to pay anything then or refinance. They said we could make a $700 payment that month and be fine and that we didn't need to do anything else as long as we communicated with them about our financial situations because our account looked good. I want to file a complaint against STCU letting it go this far when they could have helped in May.

  

  Business Response

  Date: 08/14/2023

  Please see attached for complaint #********