Business Profile

Credit Union

B E C U

Headquarters

Complaints

This profile includes complaints for B E C U's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

140 total complaints in the last 3 years.
43 complaints closed in the last 12 months.

If you've experienced an issue

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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:11/09/2023
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.
Truck caught fire 2/13/2023, total loss. Had issues with insurance paying off. Informed BECU of the issues I was having with them. Hired an attorney. I took insurance off truck 1.5 months after incident as insurance never took it off. BECU started sending me letters in May saying *** would be added if we did not provide coverage. Called them 2 days after I received the letter and told them to remove it. I was still paying my payments on time. They wanted to double my payments from 600 to almost ****. Theyve reported me late on my credit reports for the *** I refuse to pay when Ive already been in contact with them multiple times for close to 30 minutes or more. Time and money wasted with these people. Ive been paying on a total loss vehicle for almost a year and they dont want to do their end and clean up their part. They are greedy and dont care. They hire people who have no idea what they are talking about and cant read notes. Ive gone in circles and can never get a straight answer. Its frustrating having to waste money on something I cant use and they still want me to waste money on something I cant even afford. I want my credit report taken care of. They have reported me as 60 days late which is not true. I have yet to pay October and that was due on the 19th so Im not even 30 days late. October payment would be paid by Nov 15th which would put me in good standing by the statement date. Ive had issues getting a new vehicle because of my credit because of BECU reporting me as late.
Business Response
Date: 12/07/2023
Please see attached for BECU's response and the response is being sent directly to the complainant for their records.
Initial Complaint
Date:11/06/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
I deposited a check into this bank. They took several weeks to verify it. They made all of the funds available to me for about three days and then they restricted my use of the check again. The lie or excuse that they are using to keep my money away from me is that they need more time to further verify the check. They told me that they need at least another week to verify the check. I told them to call the issuing bank (TD AmeriTrade) right now while I was on the phone to verify the check and they refused. Better Business Bureau helped me to receive this very same check from TD AmeriTrade about a month or two months ago. I deposited this check in BECU and after taking 2 weeks to clear the check, after making all of the funds available to me for about 3 days, they are pretending that the check didnt successfully and completely clear in order to keep me from using my own money. They are non-profit credit Union, and I hate to to think that they use tactics such as this to make money or steal money from their customers.
Customer Answer
Date: 11/07/2023
Please consider these pieces of historical evidences pointing to malicious practices attributed to BECU (Boeing Employees Credit Union) from other customers.
Business Response
Date: 12/01/2023
Please see the attached for BECU's response to the complaint filed by ************************. The response is being sent directly to the complainant for their records.
Customer Answer
Date: 12/12/2023
I am not satisfied with this outcome. I would like to move forward with my complaint. What are my options at this point?
Initial Complaint
Date:11/01/2023
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.
A BECU customer for several year I have enjoyed being able to get answers from local branch via email. Ususally Branch manager ********************* would get back to me with the info. However he won't anymore. I fail to understand Why BECU overlooks this important aspect of member services. I worked for a CU in CA and over there we put a lot of importance on email channel, usually getting back within 24hrs. Two question have "accummulated" I have not heard back on:- details on "free wifi" access in branch at FredMeyer which were changed and aren't human readable anymore - the rationale behind arbitratry Credit card transaction declines, which renders usefulness of the card to zero to me. It's not like actual fraud was prevented. Rather it's not very professional manner BECU operates on that regard I am sorry if *************** got offended by me putting it like that Being a former CU guy myself I just don't see you acting very professional here
Business Response
Date: 11/20/2023
Please see the attached for BECU's response for this complaint. The response is being sent to the complainant for their records.
Customer Answer
Date: 12/02/2023
No not really resolved
They did sent a reply although not in user-friendly way: they went to the length to ensure it's hard to get to it
On the issue - they fail to explain erratic conduct on credit cards. The call it suspected fraud: Why? How?
The problem,serious problem is: they advertise it as Credit card yet don't actually let you charge on it
To me that looks like mis-advertising a product
I would like to let other people know BECU has that issue, if they refuse to address the problem
Thank you

Business Response
Date: 12/14/2023
Please see attached for BECU's response and the response is being sent directly to the complainant for their records.
Initial Complaint
Date:10/23/2023
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.
Becu allowed money to go into my acct that I was expecting then, after I spent some of it, decided that I am not who I say I am and they took all the money away. Despite me having my driver's license for them to see and verify my identity. My acct is over drawn 6k and they won't let me close it or anything. They lost copies of my driver's license and social security card and are saying they never had them. This is a gross violation of my rights as a human being. I cant pay any of my bills and I will lose my house if this doesn't get straightened out. Becu is full of s*** I have uploaded proof of my identity. I need that money back or im going to lose my house.
Business Response
Date: 11/14/2023
Please see the attached for BECU's response to this complaint. The response is being sent directly to complainant for their records.
Initial Complaint
Date:10/19/2023
Type:Order 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 took advantage of a 0% BECU balance transfer offer. Then, when I went back in a few months later to do another, it did not clearly say anywhere that the 0% rate was no longer offered to me. My new balance transfers not only accrued interest, but it caused my previous 12 mo. 0% transfers to be charged interest as well! I feel that this is predatory and unfair. I called as soon as I realized, and ******* on the phone declined to help me by fixing the situation. I wrote to them in August, but no one replied,a d it is now almost November.
Business Response
Date: 11/08/2023
Please see the attached for BECU's response to the complaint filed by ***********************. The response is being sent directly to complainant for their records.
Customer Answer
Date: 11/09/2023

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:09/17/2023
Type:Service or Repair Issues
Status:
ResolvedMore info
Complaint statuses
Resolved:
The complainant verified the issue was resolved to their satisfaction.
Unresolved:
The business responded to the dispute but failed to make a good faith effort to resolve it.
Answered:
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Unanswered:
The business failed to respond to the dispute.
Unpursuable:
BBB is unable to locate the business.
Its illegal to open a credit card without the consumer authorization - the truth in lending act is supposed to protect us. I had completely closed out my credit card - twice now. There was a fraud charge on my account for $6.80 on 8-17-23 for Amazon videos which is not a real thing. I called and spoke to **** at 1:47 pm on 8/21/23 who assured me she should close the account out completely and there would be an investigation. She also let me know a new card would be opened and not to worry about the charge. However, a new account was opened and the fraud charge was still placed on the new account. I was never informed this would happen and reached back out. Talked to *** on 8/25 at 8:45am and ***** later that day. Still confused I was transferred to ***** at **** who said she doesnt help and then to Shae at 959am even after I requested to speak to a manager. The refund for fraud was guaranteed by several BECU employees to be credited back to my savings account after the fraud investigation concluded because I paid the fraud charge (because they wouldnt remove it) and then closed my account with them. I did not want to have a credit card at BECU. This was done but now another card is opened 9/16/23. However, another credit card account has illegally been opened without my consent or authorization. Opening and closing cards will mess up my credit score that Ive worked for so long to get to this level. This is completely illegal and something must be done.I want my money credited back to savings and this card closed WITHOUT affecting my credit score - how is this possible? I never gave consent or signed anything for this to be opened. This was my third time closing an account. I have let them know I am contacting BBB. I want this illegally opener card closer yet again for the 3rd time without being reported and affecting my credit report and score.
Business Response
Date: 10/11/2023
BECU research indicates on August 21, 2023 member contacted us and reported an unauthorized transaction on their **** card. A fraud claim was filed for $6.80 for a transaction from Prime Video Channels amzn.com/billWA that occurred on August 18, 2023. Due to the potential account compromise, member's **** card was closed and a new **** card was reissued. On August 25, 2023 member contacted us regarding the unauthorized transaction posting on the new **** card. Member were advised that the transaction was transferred to the new **** card while the fraud claim was being investigated. Member expressed that they were not informed of this process, and were concerned that the unauthorized transaction may remain on the account. Member requested to close the **** account; therefore, the representative assisted the with paying off and closing the **** account per the member's request. On September 14, 2023 we concluded the investigation and the claim was honored, the total amount of $6.80 was credited back to the closed **** card. On September 20, 2023 the amount of $6.80 was transferred from member's **** card to their savings account. Regarding member's claim that BECU opened an additional **** card on September 16, 2023 without their consent, according to our records your **** account was closed on August 25, 2023 and there have not been any new BECU **** accounts opened since that date.
The response is being sent to the complainant for their records.

Customer Answer
Date: 10/17/2023

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. According to the last rep I spoke to, she said that this was not a new card even though it shows on their website as a new card. She said it shows that way just for the credit but will not affect my credit score. As long as this is true, I am fine closing this complaint.

Sincerely,

*************************
Initial Complaint
Date:09/15/2023
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.
* Unauthorized $1895.52 charge by Camping World * H323639323****9393736H **** credit card ending in **** * The bill is in my 2023 receipts envelope * Original deal was that Camping World would sell my ** on consignment and I would pay $1895.52 for parts * I then decided to simply sell them the ** at a much reduced price but they were to pay for the parts * However, they still charged my H323639323****9393736H **** card for the parts on 11.9.22 * The person I had worked with left Camping World and I received the run-around when I called and tried to remedy the issue * I called H323639323****9393736H shortly thereafter to dispute the charge * I then had many conversations with H323639323****9393736H * Ultimately, many months later, H323639323****9393736H wrongly denied the dispute claiming I untimely reported the issue * That is simply wrong as I called H323639323****9393736H within a few days of receiving their bill with the charge
Business Response
Date: 09/21/2023
BECU research indicates on February 7, 2023 member contacted us and filed a **** dispute for a transaction from November 11, 2022 for $1,895.52 from Camping World RV. We have thoroughly reviewed the member account and did not find any records that they filed a **** dispute for the transaction in question prior to February 7, 2023. We can confirm that BECU followed the proper **** dispute process in this case and there were no BECU errors that occurred. Based on the research, the dispute was not filed in a timely manner and the additional information requested was not provided in a timely manner, therefore, the dispute was declined, and no funds will be credited to the member for this claim.
The response is being sent directly to the complainant for their records.
Customer Answer
Date: 09/27/2023

Complaint: 20612461

I am rejecting this response because: BECU is wrong when they say I was untimely. I first contacted them about the transaction by telephone in November not February.
Sincerely,

*****************************
Initial Complaint
Date:08/29/2023
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.
This Becu is holding my money will not unfreeze my account I have contacted them several times regarding my accounts and all they do is keep giving me the run around I've asked him several times to unfreeze my accounts they will not give me any information I've got them on the phone went to the bank several times gave them my ID it has been 30 days and they still have my account frozen with no exclamation at all wrote them a letter no correspondence back I am asking for the better business view to step in and find out why they are not following guidelines
Business Response
Date: 09/28/2023
Research indicates on August 16, 2023, BECU Financial Crimes was alerted of suspicious activity on the member's account and placed an account access restriction while they conducted an investigation. On the same day, the member contacted
us and spoke to a ************** representative who advised the member that the account will remain restricted until the investigation is complete. As the investigation was ongoing, no further details could be provided at that time, as it
could compromise the integrity of the investigation. As of August 30, 2023 we have concluded our investigation and the account access restriction was removed.
The response is being sent directly to the complainant for their records.
Initial Complaint
Date:08/23/2023
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.
On January 04, 2023 I was sent an *** refund from my student loan servicer. They incorrectly sent it to BECU instead of my current credit union. On March 17,2023 BECU advised ach was rejected and I needed to speak with **** of ********* On July 03,2023 after unsuccessful attempts to confirm the return of funds with Treasury I called BECU back and was then advised the money was accepted & deposited by BECU into an account that did not match the name or account number on the **** ********************** dropped the last 2 numbers on the *** and deposited $1,943.99 into another persons account. I was advised they only way to get the money back was for Treasury to send a reclamation form. Treasury sent form July 10,2023. Called BECU several times between July 28-Aug 19,still no form received according to BECU. On Aug 22,2023 my student loan advocate called me with an update. BECU responded to **** of ********* stating they are not able to return money because the person they incorrectly deposited my money to does not have sufficient funds. I just want my money returned to **** of ********* BECU should have not accepted the *** from the beginning and now they are refusing to return federal proceeds to the rightful owner.
Business Response
Date: 09/14/2023
Based on our research, it was determined that there were no BECU errors that occurred in posting the *** transfer in question. The payment in the amount of $1,943.99 was posted automatically on January 4, 2023 to the account ending in *********************************************** accordance with the Federal Reserves instructions. On March 22, 2023 we sent the member an *** Transaction Verification letter which verified the transfer was credited in accordance with the instructions to the correct account. Upon further review, it was identified a representative accidentally inputted the account number as ************ instead of ********** on the verification letter that was sent to the member. We can confirm that this error was only reflected in the letter; BECU did not credit the *** transfer to the wrong account. Regarding the reclamation request from the ********** of ********* BECU did not receive a request in July of 2023. We received a request to return the *** on August 18, 2023, however, we were unable to process the request and we responded accordingly to the ********** of ********* We recommend that the member continue to work directly with the ********** of ******** to resolve this matter.
The response is being sent directly to the complainant for their records.
CC: ************************************ and ********** of ********* Institutions.
Customer Answer
Date: 09/14/2023

Complaint: 20513733

I am rejecting this response because:
BECU has claimed that they followed the instructions on the *** and no error was made on their part. This is incorrect, the *** was sent in my name but the credit union proceeded to deposit the money into an account I was no longer attached to. BECU has finally, after 6 months, determined that I was once a signer on the account the money was deposited into but no longer as of November 05, 2012. The fact is that BECU did not follow the instructions on the *** because although I once was a co-signer on the account I have not been for over 10 years now. The *** should have been rejected. Treasury is stating the reason BECU is refusing to return the funds is because the account does not have sufficient funds. Your member spent money not belonging to them with funds BECU incorrectly deposited. Again the *** did not match the account ********************** deposited the money to. Return the funds to the rightful owner.
Sincerely,

***************************
Initial Complaint
Date:08/22/2023
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 have a checking, savings and **** account at **********************. I use online banking to transfer $ from my checking to pay the **** card. On 8/20/23 I transfered $5000 to pay my **** (I never carry forward a balance and always pay it off monthly). They refused to apply the payment citing a new policy that if you make a payment greater than the credit limit (which was $4000) that the payment is held for 5 business days. When I made the payment it was already over the limit and I knew new charges would be coming so I wanted to have a credit to absorb it. All my autopay bills and monthly giving is done on this card so 5 days can cause late fees and declines of payments. After speaking with 5 customer service reps and managers, they claimed they were unable to undo or reverse their overpayment policy. They are holding my $5000 without my agreement and not paying me interest or the fees that could result from their holding the payment. This is wrong! Their attempt to prevent fraud has put a law abiding citizen in a terrible, unwarranted situation for no good reason. They need to change their practices immediately.
Business Response
Date: 09/11/2023
Please see the attached for BECU's response to this complaint and the response is being sent directly to the complainant for their records.

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