We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Union

1st United Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

This profile includes complaints for 1st United Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

Find a Location

1st United Credit Union has 2 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.

    Please enter a valid location.

    Customer Complaints Summary

    • 5 total complaints in the last 3 years.
    • 1 complaint 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/08/2024

      Type:Sales and Advertising 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.
      This bank revoked my credit limit without notifying me. I only found out after I paid off my $1000 credit card and had no available credit even after paying it off.

      Business Response

      Date: 05/13/2024

      May 10, 2024
      **************************************** **************************************************************
      RE: Response to, Complaint
      Complaint ID: #********
      Loan Number XXXXX390-143

      ********************************************,
      I am responding to your complaint to the Better Business Bureau Department dated April 08, 2024. In response to your complaint regarding the closure of your **** account, we'd like to address your inquiry.
      This action was based on the overall status of your membership with 1st United Credit Union and the status of your **** account. The ********************************************** right to take this action is disclosed to you in the Consumer Credit Card Agreement and Disclosure and was communicated with you in a letter dated December 29, 2023. We hope this provides clarity. Should you have further questions or concerns, please do not hesitate to contact us.


      Regards,
      **************************************
      Director - Asset Recovery Manager
      1st United Services Credit Union
      ********************************************************************************************
      Tel **************
      Fax **************

    • Initial Complaint

      Date:09/26/2023

      Type:Service or Repair 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 have specifically set up my bank account to not use my line of credit nor savings account as overdraft protection. Recently, the bank used my savings and line of credit as overdraft protection and transferred money from my savings and line of credit to my checking without my consent and against my specific instructions. They refuse to reverse the UNAUTHORIZED transfers.

      Business Response

      Date: 10/04/2023

      Thank you for reaching out about your experience with 1st United Credit Union. On September 25, 2023, we received a check payment from you with instructions to apply it to your **** credit card.Per your request, the check was applied to the balance owed on the ************* shows that an automatic system transfer occurred from the **** credit card to cure the negative balance in the checking account. This transfer has since been reversed and we have made adjustments to prevent this from occurring in the future. You can find additional details in the letter provided to you via the BBB. We hope we have addressed your concerns and invite you to reach out using the contact information provided in the letter if you have additional questions or concerns. Thank you for your membership and allowing us the opportunity to resolve this matter.

    • Initial Complaint

      Date:02/06/2023

      Type:Service or Repair 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.
      Monday February 8th, a collections man came to repeatedly bang on my door and ring my Ring doorbell. He tried to get the mail from my locked mailbox. This was around 1pm. He returned again around 5:30pm and did not come through my front driveway, he went through my neighbors front yard and parked down the street and walked through my garage door to avoid my security cameras. He then went again to my mailbox to peek Inside. This is the second time this man visits my home. I had a car accident in august 2022, which made me falter in payments which I have made for years on time. He came to harass me for a week straight, coming to my door several times a day at all hours. He then harassed me as I was pulling into my driveway from a doctors appt and was yelling my name. He said he had a letter for me. I told him to stop harassing me, my neck was broken and I had a neck brace. He threw the letter by my front door and threatened to be back if I didnt make a payment. This was months ago. And I have tried to make payments as I can. I called and emailed 1st United credit union and explained the situation and asked them to stop sending men to harass me. I am a single parent that lives alone with minor children and he is scaring me. He has returned today and is very rude, unprofessional and threatening.

      Business Response

      Date: 02/10/2023

      Thank you for providing your feedback and concerns via the BBB. We have submitted a formal response to you in writing. We recognize your concerns and are hopeful we have addressed your inquiry. Please contact us at the number listed in the letter so we can work towards a resolution on your loan. 

    • Initial Complaint

      Date:12/03/2022

      Type:Service or Repair 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.
      Yesterday, 12/2, a relative texted me to say that someone came to their house to repossess my car. Car is fully paid. Last payment was June 4, 2022. It says so on the contract. I sent a record of my payments to the credit union and asked for the title of the car. Early in 2020, I talked to the credit union & asked them if I can send my payment at the end of the month. My payment is supposed to be on the 4th of the month, but due to the pandemic I haven't been working and don't have any other source of income except SSI. They did not say anything. They've been sending a letter of default every month since then. I believe they added the default penalty to my payment and since I cannot pay them they are going to repo my car. I paid $27,000 for the car. I don't own a house and I'm homeless right now. The car is my only transportation.

      Business Response

      Date: 12/12/2022

      Dear **************, 

      Thank you for reaching out to us through the Better Business Bureau. We have submitted a formal response to you though the BBB, in writing. Please reach out to us for further discussion about your loan by using the contact information noted in the letter. We recognize your concern and are hopeful we have addressed your inquiries. 

       

      Customer Answer

      Date: 12/15/2022

       
      Complaint: 18519202

      I am rejecting this response because:

      When I first bought the car, I sent a copy of insurance identification card, the policy # is on the card. The credit union did not accept that and they just kept saying that they need my car's insurance. Not understanding what they meant, I went to my insurance agent and the agent sent a letter to the credit union.  Before receiving the letter from my insurance, the cu doubled my car's monthly payment. First payment for the car was July 2015. I received a delinquent notice right away and I believe that it was due to the insurance thing. My car's total loan was $26,800. Early in 2020 during the pandemic, I called the credit union and told them that I will have to send my loan's monthly payment at the end of the month. My payment is due in the beginning of the month. I told the cu that due to the pandemic, I don't have work and  have to borrow money from friends to pay bills. The person I talked with did not say anything. In 2020 every time I send my car's payment I include a note that I am only able to pay at the end of the month due to the fact that I have to borrow money from friends who are still working and they get paid at the end of the month. Last 2020 and 2021 the credit union sent a 'notice of default' and 'payment overdue' notice every month, sometimes twice a month. They would also call on the phone.  I talk to them several times over the phone, but nothing happens. May 12, 2022, they sent another letter for proof of insurance. April 29, 2022 my insurance sent the credit union a statement of policy coverages. Last payment on the car's contract was June 4, 2022. I don't know where the $3, ****** overdue came from. My loan was already paid.

      Sincerely,

      ***********************

      Business Response

      Date: 12/19/2022

      We appreciate the additional information and will be contacting you to discuss further. You may also call us as your earliest convenience using the contact name and number provided in our previous response. We hope to connect with you soon. 

      Customer Answer

      Date: 01/13/2023

       
      Complaint: 18519202

      I am rejecting this response because:

      Again, I am rejecting the credit union's response. I already paid over $28000 for my car and I don't owe them anything. I explained everything on my previous letter. Like I said on my previous letter I sent them a copy of my insurance id card (the card has my policy #, expiration date & my name). They're not satisfied with the cards that I sent. They just want more revenue. These are called 'junk' fees or 'hidden' fees.  I did not choose 1st United credit union when I bought my car. The dealer chose the credit union for me. I've bought a car before and I had a loan from a reasonable credit union. To this day, someone is still calling me and wanted me to call him right away. I don't know who that person is. He didn't say who he is with. He just says that the call has something to do about my car. I did not return the call.

      I kept all the papers and letters they've been sending which includes notice of default, payment overdue notice and payment increase notice. I also have copies of insurance coverage sent to the credit union. 

      I am also filing a complaint with the National Credit Union Administration (NCUA).


      Sincerely,

      ***********************

    1st United Credit Union is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.