Complaints

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

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  Red Canoe Credit Union

  Longview, WA 98632

• 

  Red Canoe Credit Union

  2266 30th Ave Longview, WA 98632-4359

• 

  Red Canoe Credit Union

  16510 Meridian E Puyallup, WA 98375-6207

• 

  Red Canoe Credit Union

  810 Burkhart St SE Albany, OR 97322-5478

• 

  Red Canoe Credit Union

  400 Allen St Kelso, WA 98626-4104

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:02/28/2025

  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 decided to go with an Auto Loan through **** due to their low rates. To make a long story short, I decided to end my relationship with them after receiving a LATE NOTICE, even though I have auto pay. **** did not take action until after the billing cycle which changed my on-time payment to late. After speaking with their manager, they took off the late fee. I decided to not mess with this bank anymore and went with my trusted bank, even though they had a HIGHER APR. I didnt care, I had to get out (I was at 4.7 with ****, and now with navy federal at 5.4). I paid off the loan, made two payments to cover the new loan on navy fed, while I await my Title. Title never came. I was billed by ****, and my credit score dropped from 816 to now 699. The damage was done, even though I had emails from **** stating that the payoff was accepted. Very rude customer service, a lack of professionalism and pride, throughout the whole org. I am building back to my 800 credit score, which will take me years to recover. This institute is the equivalent of a check cashing spot, but at least there they have a candy jar. Run.

  Business Response

  Date: 03/12/2025

  The **** member s vehicle loan payments were received by card or check from the members Financial Institution. The member did not have Auto Payments set up on the vehicle loan with ****. The payment the member first refers to was a check received by **** after the vehicle loans payment due date. **** is not responsible for when and how the member initiates payments, or for how long the mail takes for a check payment to arrive. **** offered the member enrollment in ******** with ACH processing, but the member declined. **** also offered to change the vehicle loan payment due date, which the member did accept. **** then reversed the late fee as a courtesy to the member only. It was not reversed due to any error on ***** part.

  The member then advised **** that he refinanced the vehicle loan with Navy Federal Credit Union in September, and a loan payoff check had been sent to ****. As no check was received or signed for by **** staff, **** requested that the member call Navy Federal Credit Union to obtain the tracking information for the loan payoff check to allow **** to research the checks location. The member refused to provide the requested tracking information for the payoff check. It was explained to the member that **** could not research whether the vehicle payoff had been received without the tracking information from Navy Federal Credit Union. The member then advised **** that the vehicle was refinanced with *********

  The member did not make any payments to his existing **** vehicle loan from August 2024 to November 2024, which generated a 30-day late fee notice sent to the member by ****. On 11/5/2024 the member called **** and said he received confirmation that **** received the vehicle payoff check, and ******** was going to do a stop payment and wire **** the vehicle loan payoff funds. Thirteen days later, **** received a payoff check from Navy Federal Credit Union. The check was posted that same day on 11/18/2024. On 12/2/2024, **** sent the vehicle title directly to the member at the same address the member provided on account opening with **** and also posted on the BBB's website complaint the member filed. The 12/2/2024 date of mailing is within the 10 business days requirement **** follows. To protect the member from potential theft or fraud, **** does not send vehicle titles to the new lender. It is the members responsibility to then provide the title to the new lender.

• Initial Complaint

  Date:12/11/2024

  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 because Red Canoe Credit Union improperly marked my account as delinquent without contacting me appropriately. This delinquency was resolved immediately upon my awareness of the issue. However, despite resolving the matter, the credit union has refused to remove the delinquency note from my credit report.This action has caused my credit score to drop by nearly 100 points. This could severely impact my ability to support my wifes immigration process and the birth of my child, as the hospital may perform a credit check on me.Requested Resolution:I respectfully request that Red Canoe Credit Union remove the delinquency note from my credit report to reflect the resolved account.

  Business Response

  Date: 12/19/2024

  Dear Mr. ****************** credit union has previously reviewed your request for a courtesy reversal of the 30 days late reporting.  ************************** the Chief Lending Officer and Collection Manager have all responded to your repeated requests by phone and by email.  We have also responded through the credit bureau disputes and the BBB complaint you filed.  We will not be reversing your late payment to the credit bureaus, the reporting is accurate, and we have an obligation to report fairly and accurately under credit reporting regulations.  We cannot make arbitrary exceptions to this ruling. For clarity, your loan was not just $84 past due, the late reporting was a result of being 2 payments past due.  I have also offered to send you copies of your statements and loan documents which would reflect the accurate reporting, but you have declined.  If you wish to have copies sent, we will provide them for you.  
  
  Thank you,
  Adjustments Department

  Customer Answer

  Date: 12/20/2024

  I appreciate the opportunity to respond to Red Canoe Credit Union's comments regarding my request for a goodwill adjustment to remove a delinquency notice from my credit report. However, I am deeply disappointed that my concerns have not been resolved and that my full last name was included in the credit union's response, violating my privacy and BBB guidelines.
  The delinquency in question was for $84, which was resolved immediately when I became aware of the issue through a direct withdrawal from my savings account at Red **********************. Despite this, the credit union has chosen to maintain the negative **** on my credit report, which has significantly impacted my credit score and created undue stress during a critical time for my family.
  As a long-time member of Red Canoe, my expectations for member-focused service have not been met. I have repeatedly communicated how this situation has affected my ability to handle important life events, such as my wifes immigration process and preparations for the birth of our child.
  Additionally, the inclusion of my full last name in Red Canoes public BBB response further undermines trust and professionalism. I respectfully request that this information be immediately redacted to protect my privacy.
  I once again urge Red Canoe Credit Union to reconsider their stance and remove the delinquency from my credit report as a goodwill gesture. This action would not only rectify the situation but also restore faith in the credit unions commitment to its members.

• Initial Complaint

  Date:08/20/2024

  Type:Sales and Advertising 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.

  Red Canoe closed my checking and savings account and says that I owe them ***** for the checking for a withdrawal fee, and 5.00 for the savings. They also threatened me with numerous letters in my email (none to my home) and said they will take legal action. I have never even used this Red Canoe account so I do not know why I was charged. I understand my account being closed for non-usage, but to charge me especially as a credit union is disgusting. I also remember about a year ago Red Canoe threatening me and telling me I owed all kind of money when they had switched up my account number with someone else's and had to reverse the charges. I want Red Canoe to make it right and stop these letters, close out my account completely, and remove the owed money. I am attaching one of the many letters they have sent me.

  Business Response

  Date: 09/24/2024

  ***** ******* opened his account with ********************** on March 31, 2021, and listed his mailing address as ************************************. At that time, he also signed up for Online Banking but did not elect to receive electronic statements or communication.  On April 24, 2021, he opened a checking account.

  
  On November 1, 2022, and December 1, 2022, ***** received a $5 Bad Address fee when statements were returned from the post office because his address had been changed but was not updated with the Credit Union. Due to the lack of funds in the account, we did not charge a Bad Address fee for the months of January 2023, February 2023, or March 2023. On April 4, 2023,***** signed up for electronic statements and communications through online banking; however, he did not update his new mailing address until June ******. Once the mailing address was updated, the Credit Union refunded his Bad Address fees.

  
  On May 1, 2024, we notified ***** that a $7.00 monthly checking fee would be effective June 30th, 2024. The account had insufficient funds on June 30th and July 31st, so the fees exceeded his checking account balance.
  The Credit Union sends a series of letters once an account becomes overdrawn, allowing the member to bring the account current so the account is not closed. Letters were sent on July 15, 2024, and July 25, 2024; a final letter was sent on August 5, 2024, letting the member know that if the account is not current by August 15, 2024, the account will be closed.  The member received these letters electronically and not by mail because the member had elected on June 3, 2023, to receive all notifications electronically. Before closing the account, the ********************************************* reversed all fees associated with the account and mailed ***** the remaining $5.00 by Cashiers Check to the address on file. 

  Customer Answer

  Date: 09/24/2024

   
  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. I will tell everyone I know to never bank with you. 
  
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:01/28/2024

  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.

  So I had got a settlement Check back in May and in order to cash said check I had to start an account so I figured why not try red Canoe credit Union well I had fraudulent charges on my account and when I reported them they pretty much made it out to be like I was burnt on the money I lost out on & it was my ********* would have to ask for my money back from said places That my money was stolen from. Then even though they knew I had the fraudulent charges on my account they overdew me about $300.00 Then closed my account Due to it being Overdrawn even though they knew I had fraudulent charges on my account. well recently I signed over a money order To my mother in law to deposit into her account for me, it was MY MONEY ORDER, I BOUGHT IT MYSELF. They released the funds one day later & then almost two weeks later they said there was a "stop payment" on the money **************** my MIL bank account $301.00 If there was a stop payment as they say then they should not have released the funds at all. But now I have spent the money because she deposited it for me and gave me my cash and her account is overdrawn $301 because of their ERROR. I want them to pay at least my mother-in-law back the money that they ******** her account because she also was charged for an overdraft fee. This is their negligence and they need to fix It. By far the worst banking institution I have ever dealt with I would not use them they are the worst and they try to make you feel like the criminal for their misapps & if you are victim of fraud!!

  Business Response

  Date: 02/13/2024

  ******* opened an account with ********************** on May 1, 2023. The account was funded by a settlement ******* had recently received. On June 2, 2023, ******* called the Credit Union stating that she had reviewed her May statement and there were charges from ****** and PayPal on her account that she did not authorize and wanted to dispute. ******* said she wanted to sit with a manager to discuss her account.
  
  On June 6,2023, ******* came in to the Credit Union and spoke with a manager, who recommended that ******* first work directly on the dispute through ****** and PayPal as she has a previous relationship with both companies, and to email the manager directly with the responses from ****** and PayPal regarding submitting disputes through them for the disputed charges. The Credit Union was seeking proof that Goggle and PayPal wouldnt refund those charges, and to confirm that the charges were fraudulent before the Credit Union could dispute them. The manager also reached out to the Credit Unions BSA/Fraud department to discover any additional information about the suspected fraud. On June 16, the Credit Unions BSA/Fraud department opened a case pending an update on *******s progress to go through a dispute process with ****** and PayPal. No response was received, and the case was closed on July 18, 2023.
  
  While researching the potential fraud, a Red Canoe Accounting representative confirmed that *******s card had been closed and reopened 5 times since the account was opened on May 1, 2023. ******* confirmed that no one other than herself has used her card and no one else knows her PIN. Account notes advised ********************************************* staff not to issue a new card. The account would need to be positive before the Credit Union could issue another card.
  
  In order to further address the issues with the money order and your Mother-in-Laws account, I will need more information before responding. Please send your Mother-in-Laws name and account number to info@********************************* will submit a second response once it has been received.

• Initial Complaint

  Date:09/19/2023

  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.

  August, 2023 I was late making a payment on my credit card (not 30days yet). I sent in a payment of $140 by check by accident when the amount due was actually $142. They reported me to the credit agencies for being $2 past due. I also have other accounts with them and pay out of my loan payment out of my "bill" account which had money in it. My brain was clearly frazzled at the time since I missed the full payment of $2. Since they reported me, my credit score has dropped 100 points with both Transunion and Equifax according to Credit Karma. I spoke to a Red Canoe employee by the name of **** (9/18/23), and a manager by the name of ******* today (9/19/23) . Both told me there is nothing they can ethically do. I left a voicemail with their CEO, ***************************. *******, the manager at first wouldn't give me his name and told me that he didn't have time to deal with my type of situation. I have been banking with them for many years. I have given them so much of my hard earned money. I have had a house loan and a car loan through them which have both been paid off. My husband has had many loans through them, as well as both of us banking there. Before this I had an Excellent credit rating with zero missed payments from any credit agencies. Red Canoe is supposed to be a local credit union helping local residents, and to report me for $2 rather than taking the time to call me is unbelievable. Credit is everything in today's day and age. I cannot believe this is happening. I hope you can help and please get them to forgive my $2 mistake.

  Business Response

  Date: 10/02/2024

  The member made an on time payment on 5/11. A statement was cut after the 5/11 on time payment. The statement was updated and showed that the member now owed $142.000 due by 6/25.  However, no payment was received in June, and the member owed $142. So, On 6/30 another statement was cut. The member now owed $142 for June, and $143 for July for a total of $285.  The member did not make another payment until 7/17 of $143. The member still owed $282 that was due on 8/25. The member did not make the minimum payment of $279 again in August and only paid a partial payment of $140.
  
  If the full payment amount isnt made then the due date will not move.  We cannot discriminate by choosing who we will report on and who we wont by what amount they are past due for.    By law we must report accurately to the bureaus.  We do not have the staff to call each person prior to them being late, that is why we send late notices and statements monthly on Visas.  If we delete her late reporting as a courtesy, then we would have to do that for everyone, and that ruins the integrity of the credit reporting system.  Also, Credit Karma is not an actual credit bureau, it is a credit monitoring service so many times things arent an accurate representation of what is reported to the bureaus. 
  
  The member received statements on 6/30 notifying her of the past due June payment, a late notice on 7/6, a statement on July 30th, a late notice on 8/8 and another late notice on 8/25.   Red Canoe's CEO doesnt handle credit disputes, but he did review, and the Collections Manager responded to the member accordingly.

• Initial Complaint

  Date:08/03/2023

  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.

  Commencing on or about October 27, 2022, I fell victim to a multilayered scam operation orchestrated by ********************* (the Fraud-ster), with the design, development, manufacture, promoting, marketing, distribution, labeling, and/or sale of illegal and outright fraudulent investment services," all of which aim at contributing to the goal of robbing and defrauding clients, through a predeter-mined cycle of client losses to gains. Money was transferred from my account via wire, in the total amount of ****** USD utilizing your services. Additionally, it is vital that you will immediately take all actions within your power to remedy the situation, whether by raising recall in respect of the transaction in question or reimburse me and credit my account, for the full amount of these payments, in the total amount of ****** USD!

• Initial Complaint

  Date:09/06/2022

  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 sent my car loan payment ******** pay with my primary bank (with documentation showing that the money was withdrawn from my account 8 days before the 30 day late date, with a proven 4 day turn around for delivery), and due to either a system error on my primary bank's end, or a postal service delay, the payment arrived to Red Canoe late. They immediately reported this to all three credit bureaus (which is how I found out about the "late" payment in the first place). I have never been 30 days late on a car payment in my life.I called the bank multiple times to explain what happened, and there is "nothing they can do", even though I have the documentation that shows the funds were withdrawn from my account and the check was set to be sent 8 days before the due date - which has not been an issue in the last three months I have been paying this way.

• Initial Complaint

  Date:08/29/2022

  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 opened accounts at Red Canoe thinking that this is simple banking business, what can go wrong. I found out what can go wrong recently when I needed a routine thing done, that other credit unions do in about a minute once it gets to the right person.Getting this done at Red Canoe involved about 15 telephone calls, **** people and more than a week. It ended with a manager thinking she might have it resolved but suggesting that problems with systems and her being new to them might cause the need for further discussion in as little as a month. Meanwhile, the first customer rep I previously spoke with had no idea what I was talking about or who to send me to. The second one was grossly rude and hung up on me. Their manager was out, but assured me the problem would be resolved at month end. At month end, it was not resolved. The second manager who took it over did not contact me, and when I called her she dropped my call from the queue. I ended up having to plead with staff, literally, "pretty please with sugar on it", to walk my call into a manager who might actually get it handled, lest I end up stranded in an infinite loop of nonmanagers who have no idea what I'm talking about.This is a con game played by some financial institutions. They call themselves a credit union, so they get your money, which they invest at a higher rate than they pay you for it. Thing is, they are supposed to provide a trained staff of caliber so you get service when you need it. That costs real money, that is, training people and putting processes in place so people know exactly how to help a customer with a specific kind of request. So all such investment is avoided, leading to a lot more more profit for the guys at the top. The joke is on those of us who trusted them. I shudder to think how other seniors I know, whose health is declining more than mine, would fare if they had to run this gauntlet to try to get simple things done with Red Canoe. Please call for more.