Complaints

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

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  Educators Credit Union

  1400 Newman Rd Ste 100 Mt Pleasant, WI 53406-2804

• 

  Educators Credit Union

  150 W Ryan Rd Oak Creek, WI 53154-4402

• 

  Educators Credit Union

  10811 W Park Pl Milwaukee, WI 53224-3618

• 

  Educators Credit Union

  448 Falcon Ridge Dr Burlington, WI 53105-2416

• 

  Educators Credit Union

  3525 Rapids Dr Racine, WI 53404-1634

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:06/17/2025

  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.

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below. Every single charge on the **** card was made under the guise that I had payment protection. I wouldn't have made any purchases on the **** card if I didn't have the safety net of payment protection on the **** card...its clearly a bait and switch situation to nickel and dime customers and when its time to be put into action like any insurance policy its like pulling teeth.
  
  [Please type your response here.]
  
  Regards,
  
  ******* *********n't qualify for payment protection. Not sure why they would go through all this trouble just to stonewall me YET AGAIN to not allow payment protection on my account. Every single purchase I made on that **** was under the guise that I had payment protection and I deem every single charge on that card null and void of the agreement as of 6/17. Attached is the email dialogue I had with an educators credit union representative to show burden of proof.

  Business Response

  Date: 06/17/2025

  Thank you for giving us the opportunity to address this situation. We take great pride in meeting the needs of our members. 

  
  It is my understanding that you spoke to our Chief Lending Officer earlier this morning. As she explained, Involuntary unemployment payment protection has a 3-month exclusionary period. You opened your credit card on 03/31/25 and became unemployed as of 04/02/25. (within the exclusionary period). Further, on the date of your unemployment, the loan balance was $0.  So, there was no balance to cover no claim to file, as no funds were owed. All charges on the card were made after the unemployment date and are not subject to payment protection.

  
  Our *************************** would be happy to work with you on a payment arrangement
  

  Thank you again for allowing us to clear up your confusion in this matter.

  Business Response

  Date: 06/18/2025

  Again, Involuntary unemployment payment protection has a 3-month exclusionary period. You opened your credit card on 03/31/25 and became unemployed as of 04/02/25. (within the exclusionary period). Further, on the date of your unemployment, the loan balance was $0.  So, there was no balance to cover no claim to file, as no funds were owed. You did not pay any premiums towards payment protection. All charges on the card were made after the unemployment date and are not subject to payment protection.

  Customer Answer

  Date: 06/18/2025

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I get that I haven't made a payment towards payment protection towards the account but that is ZERO fault to me considering I opt'ed in via email that I included within the screenshot on 3/31. If you want to hide behind a 3 month exclusionary period that's understandable as well. Considering that you guys denied my payment protection access for several months if you fairly put in the protection retroactively as you should since it is YOUR fault and 100% not mine it would be active on July 1st meeting every expectation that I am requesting since I informed via company text as well as over the phone I will be unable to make payments for the month of July until I am no longer unemployed. 
  
  Regards,
  
  ******* *********

• Initial Complaint

  Date:04/02/2025

  Type:Order 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 acknowledge my lease payments were delayed, but this was due to circumstances beyond my control. I relocated in January *********************** May when my company shut down. I was denied government assistance and unemployment because my residency couldnt be verified, as my lease wasnt in my name until late April.Despite actively job hunting and exhausting my 401(k) to stay current on payments, I faced financial hardships. Job offers were rescinded due to credit discrepancies caused by my unemployment, most recently in February 2025. Throughout this time, I maintained communication with Member Solutions, and in February, I was told that making my payment would stop repossession proceedings. I was never informed of additional lease-related requirementsonly my credit card obligations were discussed. I was also told that if legal action were to proceed, a new letter would be sent out, giving me time to resolve the issue. That never happened, yet legal action is now moving forward based on an outdated letter.Since June 2024, *** requested structured payment plans for my lease but was repeatedly denied. Now, I am at risk of losing my only means of transportation, preventing me from securing employment and leaving me homeless with my infant. I have done everything possible, including taking lower-paying jobs and gig work, but deliveries dont provide enough income to cover rent and car payments. Without my vehicle, I wont be able to work at all. I have multiple emails and phone records proving I was misinformed about my lease status and legal actions. I need immediate contact from someone with authority to help resolve this matter fairly before further action is taken. Like I said, I was given misinformation by multiple managers and representatives and this was not something of the topic so can someone please give me a contact. I can still make a payment this week and next week.

  Business Response

  Date: 04/07/2025

  We strive to meet the needs of our members.
  
  We have been in contact with our member. We had several communications with her regarding her circumstances and her delinquent account.
  
  We indicated that but that due to the delinquency, further actions would continue until payments were made.  The member was made aware that she had the option of terminating her lease if she could not afford the payments. She was also made aware of the legal notice that was sent and when it needed to be satisfied by.  We attempted to accommodate the situation by making arrangements to avoid further action. The member did not follow through on her arrangements for payments. The member has been in contact with our Vehicle Solutions team regarding the process of an early lease termination and has also been in contact with our Member Solutions team regarding the delinquency and what is needed to stop further actions. 

• Initial Complaint

  Date:03/20/2025

  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 am writing to file a complaint against Educators Credit Union regarding their handling of my vehicle title. Despite paying off my car loan in full, the credit union has refused to release the title, claiming it as collateral for unrelated debts.I believe this practice is unfair and deceptive, and I request that the BBB investigate this matter and take appropriate action to ensure Educators Credit Union releases my vehicle title.Thank you for your attention to this matter.Sincerely,******** *******

  Business Response

  Date: 03/21/2025

  Thank you for reaching out. We strive to meet the needs of our members. It is my understanding that you spoke directly to our VP of Member Solutions, and that any questions or concerns have been resolved. Please feel free to contact us directly if anything comes up in the future. Thanks again.

• Initial Complaint

  Date:03/05/2025

  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.

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  [Please type your response here.]
  Im glad that one issue has been resolved, but the fact is that it took so many representatives to come to this conclusion. To resolve my complaint your employees would need to understand how to resolve issues and receive proper training on accounts for people. This would not let that issue I had even get to the point of potentially needing an extension. Your work practices were not sufficient to handle the transition from empower to educators. Your employees were not trained and educated enough to resolve issues that may have came up. This are facts and not opinions. Potentially putting my accounts in jeopardy of missed payments and marks against my credit, should not be acceptable. Thank you for your time and information.

  Regards,
  
  ****** *********

  my issues and wouldnt make am exception due to the problems Ive encountered.

  Business Response

  Date: 03/11/2025

  Thank you for giving us the opportunity to address this situation. We take great pride in meeting the needs of our members. As a new member, we are excited to grow this relationship.
  It appears that on 3/5/2025, you called to our *********************** Our representative gladly assisted with addressing account issues and attempting to assist with insurance questions.
  
  Our representative did inform that we were unable to offer an extension to obtain coverage.
  
  Thereafter a request was made for the representative handling insurance questions to contact you back regarding this issue and a second request for a manager to contact you back regarding the other account issues.  The representative who handles insurance questions left a message on 3/5/25, and did not receive a return call.  On 3/6/2025 proper insurance verification was received, and no charges were assessed to you. Regarding the other account issue, a manager did have contact with you regarding the transfer issue. Thereafter, on 3/5/2025, a follow up message was left for you,  as further information is needed to complete the request. That message has not been returned.  
  
  Please contact us directly, as we are happy to address any issues or questions.

  Business Response

  Date: 04/01/2025

  As we stated, on 3/6/2025 proper insurance verification was received, and no charges were assessed to you. Regarding the other account issue, a manager did have contact with you regarding the transfer issue. Thereafter, on 3/5/2025, a follow up message was left for you, as further information is needed to complete the request. That message has not been returned.  
  
  Please contact us directly, as we are happy to address any issues or questions.
  

• Initial Complaint

  Date:12/26/2024

  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.

  I have reviewed the response made by the author in reference to complaint ID ******** and write this for clarification.
  
  
  This complaint is regarding missing banking tools Flashcash discovered on December 26, 2024. It is this institution's explanation during a recorded phone call that it was removed because of a valid $10,000 check on May 14, 2024. I find it very strange for a financial institution to discourage large deposits and at the very least counterproductive to its own financial growth.
  
  
  I would like to express my serious concerns regarding the recent actions taken by Educators Credit Union that have negatively impacted my account and suggest necessary improvements in your banking practices. On Thursday, December 26, 2024, at 4:40 PM, I contacted Educators Credit Union after discovering via the mobile app that the Flashcash check deposit feature had been removed from my account. This action caused me significant harm and inconvenience.
  
  
  Furthermore, the removal of the Flashcash feature from my account without prior notice further compounded my concerns. The recent reinstatement of Flashcash is only after refusal during a recorded phone call and writing to this institution's CEO, ****, BBB, WI DFI, and elected officials.
  
  
  Based on these findings, I echo the following recommendations:
  
  
  1. **Training ********************** Educators Credit Union should develop and implement a training program for employees that includes a strategic plan for evaluating members' expectations and demands regarding electronic banking account access.
  
  
  2. **Risk Management Enhancement:** Your risk management practices should include robust safeguards rather than simply removing tools, which overburden your already hardworking staff in processing checks.
  
  
  3. **Utilization of ****************** Tools:** Educators Credit Union should leverage existing financial tools to verify funds and detect fraud more effectively.
  
  
  This institution and its records support a pattern and practice of substandard market conduct which has financially harmed other similarly situated members. Both ***** Material and Collateral Estoppel exist with its legal counsel, which will make this institution's defense difficult.
  
  
  In three prior complaints, I requested a business plan outlining how Educators Credit Union would improve its practices.  Unfortunately, this request has not been fulfilled. I respectfully request the following additional actions to prevent similar issues in the future:
  
  
  
  
  1. Improved communication protocols to ensure that customers are promptly informed of any actions taken on their accounts and the reasons behind such actions.
  
  
  
  2. A review of the fraud detection procedures to balance security measures with the need to minimize disruption to legitimate transactions.
  
  
  
  3. Consideration of a more personalized approach for long-standing members to ensure that their banking experience remains seamless and satisfactory.
  
  
  Thank you for your attention to this matter. I look forward to your implementation of measures to enhance the overall customer experience.
  
  
  Sincerely,  
  ****** ******
  

  institution's ***** to the same company, over the same period.Based on these findings, I have the following recommendations:Training ******************* Educators Credit Union should develop and implement a training program for employees that includes a strategic plan for evaluating members' expectations and demands regarding electronic banking account access.Risk Management Enhancement Your risk management practices should include robust safeguards rather than simply removing tools, which overburden your already hardworking staff in processing checks.Utilization of ****************** Tools Educators Credit Union should leverage existing financial tools to verify funds and detect fraud more ************** three prior complaints, I requested a business plan outlining how Educators Credit Union would improve its practices. Unfortunately, this request has not been fulfilled.

  Business Response

  Date: 01/03/2025

  This complaint does appear to refer back to a prior complaint in May 2024.  Our member deposited a $10,000.00 check via Flashcash. Our fraud systems alerted us to a suspicious deposit. The check format was out of the ordinary, and the signature on the check was unknown. The account was noted, the hold was extended from 3 to 7 days, and online banking was blocked until we could make contact with the member. Our representatives had contact with the member on May 15, 2024, and after his explanation, online banking was unblocked. This was a perfect example of our risk department acting in our members best interests to protect from potential fraud.
  After our member contacted our representative on December 26, 2024, our Risk Team reviewed the prior decision to remove Flashcash. We have reinstated Flashcash to our member's account.
  
  Thank you for the opportunity to address this matter.

• Initial Complaint

  Date:12/01/2024

  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 am not liable for this debt with Educator's Credit Union, I do not have a contract with Educator's Credit Union, they did not provide me with the original contract as I requested.

  Business Response

  Date: 12/03/2024

  The contact information which you have provided in this correspondence does not match any contact information provided by any of our members.(State of origin, phone number, email address). We have not reported on any party with the contact information which you provided in this correspondence. Thank you.

• Initial Complaint

  Date:11/19/2024

  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.

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  ******* *****
  s less than the payment amount they dont pull the funds. This should have been communicated unfront and I would have paid more attention it. Now I have a 30 days mark on my credit which could have been avoided with communication and try to make this be my fault is unfair.

  Business Response

  Date: 11/21/2024

  We are happy to report that we were able to discuss this in detail with our member and this has been resolved.

   

  Thanks!

• Initial Complaint

  Date:09/09/2024

  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 had been frauded and because of racism the branch on 60th and center took away my bank account id like it back which they have the power to do and not go to another bank to prove them discrimination against race and discrimination by employee relations is not ok

  Business Response

  Date: 09/10/2024

  Thank you for giving us the opportunity to address this situation. We take great pride in meeting the needs of our members. It is also extremely important to us to protect our membership from fraud. In addition, we treat our members with respect and dignity and expect our members to treat our staff in a similar manner.

  **************** attempted to negotiate a fraudulent check in the amount of $2,370.00. **************** then berated our staff.

  As is outlined in our membership agreement, this activity provides a basis to close the account.

  This should clear up any confusion that **************** may have. Thank you again.
  

• Initial Complaint

  Date:08/09/2024

  Type:Order 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.

  Gatekeeping of "****** 9 sororities" form keeping men from retaining a trade or earning credentials by locking services to only those of their sorority or preferences that goes against my faith in GOD as ****** is The Cornerstone. Whereas in the black community, the child support/alimony farmer must send the men to jail or hinder him via law enforcement. As seen with the staged hotel death by blm in ********* as enforced by police towards straight GODLY men. For I believe the intent was to put me in jail for those of Alpha Kappa Alpha with others to disenfranchise men and promote war.

  Business Response

  Date: 08/13/2024

  We always strive to meet the needs of our members. In reading your filing, it is difficult to ascertain what issues you are having. Your complaint doesn't make any substantive reference to Educators Credit Union. You did have contact with a representative at our *************** branch on August 9, 2024. You made inquiries about loans but based on the fact that you do not currently have any income, you did not fill out an application. One of our representatives contacted you on August 12, 2024, and you indicated you were unable to talk. If you have any specific questions, we are happy to address them.
  

• Initial Complaint

  Date:06/03/2024

  Type:Order 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.

  am not liable for this debt with EDUCATORS CREDIT UNION , I do not have a contract with EDUCATORS CREDIT UNION ,they did not provide me with the original contract as i requested

  Business Response

  Date: 06/04/2024

  We received your request on 06/03/2024. This appears to be a credit dispute/debt validation. The investigation of your account has been completed. We have found all credit reporting to be accurate and true. This is a valid debt. We have sent you a written validation with a copy of your original loan note. Thank you and have a great day.