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Business Profile

Credit Union

SAFE Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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SAFE Credit Union has 19 locations, listed below.

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    Customer Complaints Summary

    • 24 total complaints in the last 3 years.
    • 9 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:03/19/2025

      Type:Billing Issues
      Status:
      Answered
      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 formal dispute regarding a car loan issued by Safe Credit Union for the vehicle **** A5 2012. The loan has been obtained through fraudulent means and has involved extortion, which I believe violates my rights as a consumer.Details of Extortion and Fraud Fraudulent Loan Terms and Conditions:I entered into a loan agreement with Safe Credit Union. However, the terms of the loan were altered without my consent after I signed the contract, including fraudulent changes, such as higher interest rates, additional fees.Violation of Truth in Lending Act (TILA): These practices violate the Truth in Lending Act (15 U.S.C. 1601) by failing to provide accurate and truthful loan terms at the time of signing.Extortion and Threatening Behavior:After I expressed concerns about the loan, representatives from Safe Credit Union made threatening phone calls and implied legal action or negative reporting to credit bureaus if I did not agree to certain terms I was not initially informed about. This constitutes extortion under state law and could potentially be in violation of federal law regarding unfair debt collection practices (Fair Debt Collection Practices Act - 15 U.S.C. 1692).Misrepresentation and Fraudulent Claims:The loan application was approved based on misleading information, and I was informed that my credit would be improved upon taking out the loan. However, Safe Credit Union failed to follow through on these claims and continued to charge excessive and hidden fees, which were never disclosed.Violation of the Fair Credit Reporting Act (FCRA): These actions are also in violation of the Fair Credit Reporting Act (15 U.S.C. 1681), as the loan was reported inaccurately to credit bureaus and has impacted my credit score unfairly.Requested Resolution Immediate Removal of the Loan: I request the immediate removal of this car loan from my credit report and the cancellation of the associated debt.

      Business Response

      Date: 03/27/2025

      See attached signed response.

    • Initial Complaint

      Date:03/03/2025

      Type:Billing Issues
      Status:
      Resolved
      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.
      Hello,The doc attached lists the dates and highlights the fees associated. I have gone into safe credit union branches on Several occasions in order to close out my Safe credit union money market account during these visits I was told countless of times all the benefits to not closing and told there were no fees as was mentioned on many of my visits into the credit union. every time I left keeping the account because they made me to believe it was the best option for myself now four months later I out that Ive been getting charged $12 fees each month because there was a requirement for that account limit again I was not told this every time I came in which the Credit Union can verify through transactions. Today I reached out asking for my fees to be waived for the last four months and as I was interested in closing the account. They reversed one fee and closed my account without further check in atomically. Within a minute I called the credit union stating I had asked for all the fees to be reversed, the *** stated she would take care of them but then came back and said because the account was closed they could. I spoke with ***** in the contact center who after a minute said she has reviewed my account and couldnt help refund my money because the money market was closed and they couldnt do anything. They did not take appropriate actions and prematurely closed my account without resolving the matter and then said I was out of luck because they closed the account prior to actually resolving my issue. Her reasoning was they gave me a schedule of fees back in 2010 when I open my account. This isnt right, they were going to refund my account because they realized their error but then tried to say they couldnt do anything because they closed the account. This is not fair at all.

      Business Response

      Date: 03/12/2025

      See attached signed response.

      Customer Answer

      Date: 03/12/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:01/22/2025

      Type:Order Issues
      Status:
      Resolved
      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.
      Safe credit union refuse to provide a clear title to my Ram 1500 truck, paid in full on 13 March 2024. They refuse to provide an electronic copy of the contract or lien release. I've called twice monthly for ten months. I cannot register the vehicle in ******* without a title. I'm a resident of *******.

      Business Response

      Date: 01/31/2025

      Please see attached signed response. 

      Customer Answer

      Date: 02/03/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

       

      I expect a clear title within 14 business days.


    • Initial Complaint

      Date:11/01/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      Safe Credit Union has charged my account for three consecutive months of late fees while these monthly payments were processed on time totaling $45.00 I wish a refund.

      Business Response

      Date: 11/06/2024

      See attached signed response.

      Customer Answer

      Date: 11/07/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:10/08/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      Merchant transaction dispute with safe credit union regarding ******* marketplace. Bought a gymshark minimal support sports bra l, color: ***** *****. Size: small. When I received the item, it was noticeably smaller than the sports bra that I already own in a different color (burgundy). The items tag was cut off and that also was not disclosed in the listing. I disputed with ******* whom waited the 3 days where funds automatically get released to the buyer and denied it stating item was as described. I provided mercari as well as with safe credit union pictures/documentation of everything. Safe credit union denied the dispute twice. I spoke to several **** who said diff things. For example one said it was because of quality and the second time is that I am dissatisfied with the item. They are saying that it doesnt fit under visas guidelines so its denied and theres nothing else they can do or I can do. I told them that I didnt choose those options so maybe theres another option that will better fit this situation. I called safe credit union to not make the dispute and the option I chose was item is not as described. I also asked the em if I could send more pictures and they said no. I said I dont think people should be able to bait and switch and that the burden is on the buyer in this situation. The seller cannot prove the size of the bra. Nor did she disclose the tag being cut. My pictures show that the sports bra is clearly not the size (small) that I bought by comparing to my own sports bra that I already have

      Business Response

      Date: 10/17/2024

      See attached signed response. 

    • Initial Complaint

      Date:09/04/2024

      Type:Order Issues
      Status:
      Resolved
      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 SAFE CREDIT UNION, I do not have a contract with ************************************* Ste. 100, They did not provide me with a contract as requested

      Business Response

      Date: 09/12/2024

      SAFE Credit Union contacted ********************** on 9/11/2024 to gather additional information to continue our research. We are still actively looking into his claim. Thank you. 

    • Initial Complaint

      Date:09/04/2024

      Type:Product Issues
      Status:
      Resolved
      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.
      At about 1030 on 8/9/2024, I attempted to utilize shared branching services at a SafeCredit Union. My credit union is EFCU financial. The SafeCredit Union atm gave me the option to deposit onto my EFCU debit card. I deposited $1600 and the atm did a hard reset, taking my money and my debit card. SafeCredit Union manager, *************************, informed me that I would have to have EFCU dispute the atm transaction to be refunded. ****** informed me that she could not help me at all since I was not a SafeCredit member, she did not even ask for my information for when the atm was counted down. After speaking with ****, there is no transaction to dispute, as the atm never sent information before resetting. It has been almost a month and no one from SafeCredit can tell EFCU anything about this or will return calls to EFCU to clear the matter. After several unreturned calls, I finally had to walk into SafeCredit and hand ****** my phone with an EFCU representative on the line. ****** again refused to help, just said to call shared branching. Shared branching doesn't know what to do because the atm sent no transaction information.

      Business Response

      Date: 09/09/2024

      See attached signed response. 

    • Initial Complaint

      Date:08/16/2024

      Type:Billing Issues
      Status:
      Resolved
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On November 22 I changed all my information online through the SAFE credit union portal to reflect my move. I called your bank to have my account closed and my ex-husband removed and your bank said that he was removed but yet all his cards and everything else were still active now EDD has taken money out. My phone number has been changed again on your online portal back to a number that I have not had since the beginning of March and I even updated it March 10 with the new number that I have which is the one that is on this complaint and somehow now its back to my old number I cant access the email that its to even though I change the email to the current one on this complaint as well back in the beginning of March. I removed his access from the account with you guys or so I thought your company had handled it as they stated that they clearly did not because now I have no access to the account whatsoever as all the information has been changed again, and the account was never closed. Please do something to rectify this situation also in regards to the personal loan that was taken that was taken with my ex-husband and the court has not assigned the debt to him as he was the reason for the loan now I understand that my name was on it, but his is as well, but Im the only one whos been liable for anything

      Business Response

      Date: 08/22/2024

      See attached signed response. 

    • Initial Complaint

      Date:04/04/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      Safe Credit Union provided written notice that our car insurance deductible at $2,000 was out of our loan agreement contract; we were notified that we needed to adjust the collision deductible to $1,000. We contacted Safe Credit Union to try to understand whether we could re-negotiate the terms of the loan to be a $2,000 deductible. Insurance rates (especially in **********) are getting incredibly expensive and we'd prefer to have a $2,000 deductible to offset the monthly expense. We are fully capable of paying a $2,000 deductible should a collision occur.After three attempts to speak with Safe over the phone, no beneficial information was gained:- We were notified that we are being charged a $75 fee assessed to our loan for supplemental car insurance coverage. This fee is charged to our loan, therefore we are being charged interest on it. Resolution request: have this fee and all relevant interest refunded.- We asked for a copy of the supplemental car insurance - if it's cheaper than what we pay through our carrier, we'll gladly keep it. We were given a phone number, called it, and it connected back to Safe's main customer service (not the insurance).- We asked to speak to the loan department to determine if we could renegotiate our loan, after 40 minutes on hold, we were sent back to the main prompts at the beginning and never connected with someone in the loan department.We'd like to speak with someone from Safe who is knowledgeable on our options, we want a full refund of this added expense.

      Business Response

      Date: 04/11/2024

      See attached signed response. 

      Customer Answer

      Date: 04/12/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to my concern, and find that this resolution is satisfactory to me.

    • Initial Complaint

      Date:03/19/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      safe CU wont deposit my uncashed cashier check (in my name )back into my account. they are telling me outrageous lies conflicting from branch to branch. on the advice of unclaimed property employee to talk to a manager and get a written explanation, i showed the check to a manager who refused to give her check back until he was forced by cops. After long waiting One branch told me that the check was deposited to MI bank which responded with excellent evidence that it was not deposited in their bank. the other SCU branch said that the check was relinquished to the state . ***** should be able to find out about members' activities from their data without calling around for long time I asked 4 SCU employees who could not give me any credible info about my check without lengthy calling around to their branches If needed I will provide attachments of documents including a photo of her uncashed or unendorsed check in her possession

      Business Response

      Date: 03/25/2024

      See attached signed response.

      Customer Answer

      Date: 03/26/2024

      I am rejecting this response 

      Business Response

      Date: 03/27/2024

      See attached signed response with evidence of the cashier's check negotiated at Lake ******** Credit Union. By completing a ****** search of the highlighted routing number, you can see that is where the check was negotiated. Please consider this our final response as we provided our good faith research/evidence support for the complainant.  

      Customer Answer

      Date: 03/27/2024

      I am rejecting this response because:

    SAFE Credit Union is NOT a BBB Accredited Business.

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