Complaints

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

close

Find a Location

UNIFY Financial Credit Union has 6 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  UNIFY Financial Credit Union

  P.O. Box 10018 Manhattan Beach, CA 90267

• 

  UNIFY Financial Credit Union

  8632 S Sepulveda Blvd Los Angeles, CA 90045

• 

  UNIFY Financial Federal Credit Union

  7985 W Sahara Ave STE 101 Las Vegas, NV 89117-1993

• 

  UNIFY Financial Credit Union

  740 N Watters Rd 170 Allen, TX 75013

• 

  UNIFY Financial Credit Union

  9323 Bellanca Ave Los Angeles, CA 90045

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:02/01/2024

  Type:Sales and Advertising 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.

  In June 2023, I was awaiting a payment from EDD State Disability. The processing time on the part of EDD was excessive and my account was overdrawn. I had be granted Courtesy Pay as an option when I opened my account. On June 17, 2023, I received notification from B of A that a deposit had been made. I needed to make a deposit within 30 days or lose the account. June 17, 2023 was day 27. I reached out to Unfiy and instead of waiting requested a call back which I did not get. I reached out to Unify again was told that unless you press # the request doesnt get sent. There are no such instructions on the recording and when I asked to be connected to collections, I was told they were closed and customer reps had no access or ability to help me. The money had already been transferred to Unify and only needed to be processed on their end. When the collections **** returned on June 20, 2023 the account had been closed while they were unavailable. I was told that although the department was closed, they left the machine on knowing they would be out for the holiday with no way to reverse the action. I was then given 3 debit cards became the first TWO were linked to the wrong account and transactions were being denied and as a result Im permanently blocked from a vendor. I was offered reinstatement of courtesy pay when I reopen and now their telling me because of my banking history. Im not eligible. I did not do this and they have taken no responsibility for not adhering to their own policy by allowing me only 29 days instead of 30 and slandering my name in their notes as if Im some their who abused them. Im seriously considering filing an action in court regarding breach of contract and slander because their reps are making decisions about me based on Unifys lack of accountability and breaching their own rules

  Business Response

  Date: 02/09/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for Pleasant *********. We take each complaint seriously and strive to resolve issues to our members satisfaction. In June of 2023, ********************** reached out to UNIFY regarding her account mentioned in the complaint. At that time, we addressed ************************ concerns and advised ********************** that her account was charged-off on June 19, 2023, and her incoming external funds transfer from another financial institution, was received on June 20, 2023. However, as a courtesy,we gave ********************** the opportunity to open a new checking account.
  
  Regarding her concerns with Courtesy Pay, it is a discretionary benefit offered to our members. UNIFY may terminate or suspend Courtesy Pay at any time without prior notice. UNIFY allowed ********************** to open another new checking account, but in accordance with our Courtesy Pay Program detailed in our Membership Booklet, ********************** is ineligible for Courtesy Pay due to the previously charged-off accounts. Further, Courtesy Pay is a privilege that the Credit Union provides from time to time which may be withdrawn or withheld by the Credit Union at any time, without prior notice, reason or cause.
  
  UNIFY previously made an exception to allow ********************** to have Courtesy Pay after having her first charged-off checking account. Courtesy Pay was removed due to the account status, of having two charged-off accounts. In addition, in reviewing account notes, we can confirm there are not any slanderous notes on file. At this time,we consider the matter closed.  

• Initial Complaint

  Date:01/25/2024

  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.

  Please see attached document. I am opting out of Credit Reporting with Unify Financial Credit Union. Any negative remarks on any of my consumer reports should be promptly removed due to reporting to a third party being a direct violation of the Privacy Act of ****, :The ***** 15 U.S. Code ****b section 2, 15 U.S. Code ****b, as well as 15 U.S. Code ****.

  Business Response

  Date: 01/30/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for ***********************. We take each complaint seriously and strive to resolve issues to our members satisfaction. ***************** has stated that UNIFY is in violation of the Privacy Act. As explained in our Membership Booklet, by becoming a UNIFY member, you authorize UNIFY to obtain reports from third parties, including the credit bureaus, as well as to report to them. This is cited in sections 1 and 13b of UNIFYs Membership Booklet. Additionally, UNIFYs Federal Privacy Policy states that UNIFY can share personal information for business purposes, such as reporting to credit bureaus, and there is no option to limit or opt out of this sharing. Finally,sections 1016.15(a)(5) of title 12 of the Code of Federal Regulations provides that opt outs do not apply when disclosing nonpublic personal information to a consumer reporting agency in accordance with the Fair Credit Reporting Act or from a consumer report reported by a consumer reporting agency. UNIFY conducted research and all information being reported to the credit bureaus is complete and accurate as in accordance with the Fair Credit Reporting Act. At this time,we consider the matter closed. 

• Initial Complaint

  Date:01/25/2024

  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.

  9/15/23 - I dispute credit card debt 30 days. Never received validation information. This information is on my credit report as of 03/23. I want this account removed from my credit report do to Fair Crediting Reporting Act 15 U.S.c. & **** Section 609 (a)(1)(A) you are required by H35363****432323331H law to verify.

  Business Response

  Date: 01/30/2024

  Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for ***********************. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY has conducted extensive research for **************** on multiple occasions. In compliance with the Fair Credit Reporting Act, all information being reported to the credit bureaus is complete and accurate. *************** has received the signed loan agreement and statements proving the validity of the account being reported. At this time, we consider this matter closed. 

• Initial Complaint

  Date:07/27/2023

  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.

  So the following morning. I called and was quickly transfered to ******* ********************** She caught me off graud by asking what happened when I showed up in person with my saving bonds mind you it has been close to a year when I even had anything to do with those bonds and plus since I was informed that I couldnt deposit them since my account was brand new so I ended up depositing them into my **** of America so when she mention to me about them that caught me off guard but from the very beginning she was so rude to me stating the real reason why I wasn't able to deposit it wasnt cause my account was recently open but was cause the saving bond were issued before my birthday which is true. I tried to inform her that these bonds were my mother and shortly after I was born she got them reissued to add me as a secondary owner of the bonds ( when reissued a saving bonds the orginial issue date doesnt change, it even states that on thd treasurydirect.gov ) but she refused to listen to anything I had to say, and just said she doesnt know how I was able to cash my check with unify but we are gonna close your account out cause its been close to a year and you never took care of them well I told her I never knew anything was wrong with my account, I just found out about all of this recently but it didnt matter what I said. She was just so rude and when I ask to speak to someone higher she wouldnt let me and said somrone will contact me in ***** hours... well I never recieved any call back. So if possible I would like to fill a complaint on her also. I would make a big deal about this but I already summit my tax return to be deposit in my unify account and my return was already accepted so I am trying to talk to someone that knows saving bond cause the ******************* was making it seem the saving bonds that were reissed to mine name were counterfeit which is clearly not the case plus I was able to deposit it with my **** of america at the time.

  Business Response

  Date: 08/04/2023

  Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case #******** for *********************. We take each complaint seriously and strive to resolve issues to our members satisfaction.
  UNIFY reviewed Mr. ****** case and has determined that UNIFY has investigated this matter and has sent ************** related correspondence regarding this matter. To protect Mr. ****** privacy, he should please refer to the letter correspondence from UNIFY FCU dated 07/27/2023,enclosed in a FED EX package, delivered to his address on record with UNIFY FCU on 07/28/2023 at 9:30am. All his concerns have been addressed in the letter correspondence. At this time we consider the matter closed.

• Initial Complaint

  Date:04/02/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with Unify Financial Credit Union and do not have a contract with Unify Financial Credit Union. They did not provide me with the original application like I asked. Account Number: ***********

  Business Response

  Date: 05/04/2023

  Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for *********************. We take each complaint seriously and strive to resolve issues to our members satisfaction.UNIFY has conducted research regarding this matter and has confirmed that all information being reported to the credit bureaus is accurate and in alignment with the Fair Credit Reporting Act. Correspondence between UNIFYs ********************** and Ms. ********** has been ongoing since 2017. We encourage Ms.********** to contact our ********************** if she has further questions.At this time, we consider this matter closed. 

• Initial Complaint

  Date:02/17/2023

  Type:Product 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.

  Unify financial credit union does not want to refund my money to my account when a fraudulent Zelle charge was made, and I did not authorize the payment. I thought I was sending a code to verify ticket purchase that I just made. Not once was it ever stated to me that I was making a money transfer and that additional money would come out my account someone impersonating a ticket, master agent Had me download an app called anydesk were they had me log onto my mobile banking and use something called Zelle, which I never used before and I didnt know it was a Money sharing Feature that was on my banking site they tricked me into thinking I needed to send them a six digit code, but in reality it was an actual amount that was taken out of my account ********************** is failing to oblige my legal rights and protection under the electronic funds transfer act also called Reg E

  Business Response

  Date: 03/23/2023

  Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******** for ***************************. We take each complaint seriously and strive to resolve issues to our members satisfaction. Our records indicate *************** completed a thorough review of Ms. ******* claim and her denied dispute was not protected by Regulation E, due to *************** completing the transaction. As a member courtesy, the dispute was escalated to management and we made several attempts to contact **************** in February and March of 2023, however we never received a call back, therefore,her case was closed on March 2, 2023. Upon receiving this BBB complaint, we attempted to reach out to **************** again by phone and email on March 22,2023. As of today, we have not received a response. To re-open the claim as desired,**************** will need to contact UNIFYs *************** Department at her earliest convenience, ************. UNIFY appreciates the opportunity to review our members concerns and respond.

  Customer Answer

  Date: 03/23/2023

   
  Complaint: 19421530
  
  I am rejecting this response because:
  They never tried to reach back out to me in February or March the last time I spoke to anyone from Unify financial was on February 22, 2023.  they told me that they cannot refund my money that I never gave authorization for a Zelle payment to be taken out of my account. I thought I was sending a code that was for Ticketmaster on a concert ticket that I purchase never once did these impersonators of Ticketmaster state that they were taking money out of my account I have never used Zelle before and I didnt know that it was a money share an app that was already accessible from my **** mobile the bank was not helpful and just want me to lose out on $490

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

  Business Response

  Date: 04/19/2023

  UNFY Financial Credit Union made contact with **************** on March 24, 2023, and provided a resolution, which met her satisfaction. UNIFY appreciates the opportunity to review our members concerns and considers this matter closed. 

• Initial Complaint

  Date:10/20/2022

  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 had a account with unify Financial it was a secure card The account was paid in full by me in person inside the branch of unify Financial and now they are reporting negative on my credit I have sent letters by register mail to them and still have not received a response at all this is affecting my credit big time and mistakes like this i'm not able to get credit anywhere.

  Business Response

  Date: 01/06/2023

  Business Response /* (1000, 5, 2022/12/19) */ Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******* for **************************. We take each complaint seriously and strive to resolve issues to our members' satisfaction. UNIFY formally responded to Ms. **************** by letter on 10/25/2022 and 11/09/2022, assuring an investigation into her claim was conducted. UNIFY is obligated to report accurate and complete credit information as required by federal regulation. Based on UNIFY's investigation, all information being reported to the credit bureaus is accurate and in alignment with the Fair Credit Reporting Act's requirements. We encourage Ms. **************** to contact our Collections Department if she has further questions. At this time, we consider this matter closed.

• Initial Complaint

  Date:09/28/2022

  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.

  CREDIT UNION CONTINUE TO REPORT ACCOUNT NOT MINES AND NEVER DONE WITH COMPANY, ACC# *******, $6,753.00, ACCOUNT OUTDATED SINCE 2017 AND NOT COLLECTIBLE PER CALIFORNIA STATE CONSUMER LAW 4YRS HAS EXPIRED TO COLLECT DEBT, ACCOUNT OVER 5YRS OLD, REQUEST FRAUD AFFIDAVIT PACKAGE, FTC CASE#*********, I WILL NOT PAY ONE DIME FOR FRAUD ACCOUNT

  Business Response

  Date: 11/14/2022

  Business Response /* (1000, 5, 2022/10/25) */ Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Compliant Case #******* for ****** ********. We take each complaint seriously and strive to resolve issues to our member's satisfaction. As we previously communicated back in May of 2022, our investigation into this complaint indicated that the information provided to the credit bureaus is accurate and has been validated as in accordance with the Fair Credit Reporting Act. UNIFY reviewed the loan history and confirmed that the information provided to the credit bureau is accurate. We have a signed loan agreement and a documented contact log with recorded phone conversations with **. ******** authenticating her identity. In addition, our Risk Management department reviewed our member's completed Identity Theft Victim's Complaint and Affidavit dated 09/29/2022 and denied the claim. ****** ******** was mailed an ID Theft Dispute response on10/24/2022. We encourage **. ******** to contact our Risk Management department with any new information and we will be happy to reopen the investigation, otherwise we will consider the matter closed. UNIFY appreciates this opportunity to review and respond.

• 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.

  FDCPA section 807 Violation misleading false reporting. Delete this unverified and inaccurate account.

  Business Response

  Date: 11/04/2022

  Business Response /* (1000, 5, 2022/10/18) */ Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Compliant Case #******* for *************. We take each complaint seriously and strive to resolve issues to our member's satisfaction. As we previously communicated back in March 2022, UNIFY reviewed the loan history and confirmed that the information provided to the credit bureau is accurate. The total obligation reported to the credit bureau includes unpaid accrued interest and late charges. Interest and late charges will continue accruing on the loan until it is paid. We do not have any record of the member reaching out to UNIFY to discuss the credit reporting, but we have responded to the three disputes that were sent from Equifax. We encourage *********** to contact our Collections and Recovery department if she has new information or questions, otherwise we consider the matter resolved. UNIFY appreciates this opportunity to review and respond.

• Initial Complaint

  Date:08/01/2022

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ******** sent my payoff to Unify within 15 days of payoff which they proved was received by Unify within fifteen day payoff. At that time I didn't have a car pymt due until 8/23/22. Now Unify added ****** on to my account for no valid reason. I went ahead and paid it 7/28/22 but it's still not paid off.

  Business Response

  Date: 08/30/2022

  Business Response /* (1000, 5, 2022/08/22) */ Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case #******* for ***********. We take each complaint seriously and strive to resolve issues to our member's satisfaction. UNIFY reviewed the loan history and the payoff check mailed to UNIFY from the dealership and determined to refund the interest accrued in the amount of $19.63 as specified in Ms. ******* complaint. The loan was paid in full on August 2, 2022, and the title was released to the dealership on August 11, 2022. UNIFY contacted Ms. ***** on August 19, 2022, and she requested her refund be mailed by check, along with the closing out of her membership. We consider this matter closed at this time. Consumer Response /* (2000, 7, 2022/08/29) */ (The consumer indicated he/she ACCEPTED the response from the business.)