Complaints

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

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First Tech Federal Credit Union has 41 locations, listed below.

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  First Tech Federal Credit Union

  2702 Orchard Pkwy San Jose, CA 95134-2012

  
• 

  First Tech Federal Credit Union

  400 Urban Plz Ste 145 Kirkland, WA 98033-5369

  
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  First Tech Federal Credit Union

  2720 Council Tree Ave Ste 188 Fort Collins, CO 80525-6306

  
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  First Tech Federal Credit Union

  8700 SW Nimbus Ave Ste A Beaverton, OR 97008-7395

  
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  First Tech Federal Credit Union

  2501 NE Century Blvd Bldg RA4 Hillsboro, OR 97124-5506

  

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:03/28/2025

  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.

  I have called this business to have a credit card canceled. I've called more than once, been told they could not verify me Etc people were supposed to call back and didn't. I have received a bill, made a payment then they put a late charge on the payment and then put a late charge on the interest. I have sent the payment in, and with the payment I sent a written request to have this account canceled. It wasn't and now I have the bill for the additional late fee and interest of *****. I want this account canceled immediately. I have just gotten off of the phone again with another representative, ******* from ********* Oregon, who once again gave me the standard we cannot verify you. He said he'll have somebody call back to try to start the process yet again.

  Business Response

  Date: 03/31/2025

  Hello ****, we appreciate you taking the time to share your complaint. Well investigate this and follow up with you about your specific experience. Thank you!
  Arti
  Member Experience

• Initial Complaint

  Date:03/06/2025

  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.

  I am filing this complaint because my credit report contains accounts that I do not recognize, and I have every reason to believe they may be linked to a data breach. I take my financial security seriously, and the fact that these unverified accounts are being reported under my name is completely unacceptable. These inaccuracies are damaging my credit standing and creating unnecessary obstacles, and I refuse to allow them to remain unchallenged. Despite my repeated efforts to obtain verification, I have yet to receive any legitimate proof that these accounts belong to me. This blatant lack of transparency is unacceptable and a direct violation of my rights. As a consumer, I demand proper documentation proving their validity, including the name of the unverified item, Company Name: FIRST TECH - Account #: ********** - Balance: **************** the Fair Credit Reporting Act (15 U.S.C. 1681g), I am demanding copies of all records used to verify these accounts. A generic response claiming they have been verified will not be tolerated. I require real, verifiable proof such as original account applications, signed agreements, or transaction records that confirm their legitimacy. If no such documentation exists, these accounts must be removed immediately under Section 611(a)(5)(A)(i) of the ****, which mandates the deletion of unverifiable information from consumer credit reports.I will not accept delays, excuses, or vague responses. These errors have already caused unnecessary harm, and I will not allow them to continue affecting my financial stability. I expect a full investigation, a detailed response, and an immediate resolution. Failure to comply will not go unnoticed.

  Business Response

  Date: 03/06/2025

  Hello *****, we appreciate you taking the time to share your complaint. Well investigate this and follow up with you about your specific experience. Thank you!
  Arti
  Member Experience

• Initial Complaint

  Date:03/03/2025

  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.

  1. Date of the Transaction On February 14, 2025, I made a $5,000 principal payment toward my mortgage with First Tech Federal Credit Union.2. Amount of Money Paid The principal payment in dispute is $5,000.3. What the Business Committed to Provide First Tech Federal Credit Union is responsible for accurately applying mortgage payments, providing timely and correct statements, and calculating interest based on the updated principal balance.4. Nature of the Dispute Incorrect Statement ************** Posting: First Tech moved the mortgage statement date from the 18th of the month to the 15th without prior notice. They also delayed posting my $5,000 payment made on February 14. As a result, my statement (dated February 15) did not reflect this payment.Incorrect *************** Interest: Due to the delayed posting, my mortgage balance is overstated, and the interest calculation is now incorrect. This error has led to an estimated $4,307 in additional interest costs over the life of the loan.March Payment Complications: Because the bank has not corrected the principal balance and associated interest charges, the amount they claim I owe for March is also incorrect, effectively preventing me from making a proper March mortgage payment.5. Businesss Attempt to Resolve the Problem I have contacted First Tech Federal Credit Union multiple times (February 18 through March 1) via online banking message.Various ******** Associates have acknowledged the issue and stated it was escalated. However, the bank has not provided any written confirmation of a corrected balance or recalculated interest amount.Despite two weeks of back-and-forth communications, there has been no final resolution, and the incorrect balance remains on my account.

  Business Response

  Date: 03/03/2025

  Hello *****, we appreciate you taking the time to share your complaint. Well investigate this and follow up with you about your specific experience. Thank you!
  Arti
  Member Experience

• Initial Complaint

  Date:02/26/2025

  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.

  On Jan 14th this credit ubion ran a hard inquiry on me. I have nothing to do with this credit union. They need to stop contacting me and stop running hard inquiries on me. I do NOT have anything to do with them. There is no reason for that to be done

  Business Response

  Date: 02/05/2025

  Hello *********, we appreciate you taking the time to share your complaint. Well investigate this and follow up with you about your specific experience. Thank you!

  
  Arti
  Member Experience

  Customer Answer

  Date: 02/05/2025

   
  Complaint: 22853209
  
  I am rejecting this response because: there was no response from the business just a form.letter
  
  Sincerely,
  
  ********* Street

  Business Response

  Date: 02/12/2025

  Hello *********, thank you for providing us with the opportunity to review and follow up with you regarding your concerns. Thank you! 

  Customer Answer

  Date: 02/12/2025

   
  Complaint: 22853209
  
  I am rejecting this response because 1)this is a form letter and 2) I dont have anything to do with this company or banking institution
  
  Sincerely,
  
  ********* Street

  Business Response

  Date: 02/19/2025

  Hello *********, thank you for providing us with the opportunity to review and follow up with you regarding your concerns. Thank you! 

  Customer Answer

  Date: 02/19/2025

   
  Complaint: 22853209
  
  I am rejecting this response because: I really hate form letters or a passive answer the credit union doing a hard pull on my credit rating is wrong as I have nothing to do with them. 
  
  Sincerely,
  
  ********* Street

• Initial Complaint

  Date:02/10/2025

  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.

  Over the course of the last two years, First Tech has charged me overdraft fees 9 times ($33 each), totaling $297. I never consented to overdraft charges on my account. Regardless, I found that First Tech applied overdraft fees on my account during times when there would've been a positive balance (the dates of the account ********************** that would've taken the account to a balance that would've prevented the overdraft, and the overdraft dates shared the same account transaction posting date). I would like to formally request a refund on the overdraft fees that were applied in these sitations. Additionally, the forms I signed for my account relating to overdraft settings were only supposed to be applied to the savings account, not checking account. If these fees are not refunded, I intended on filing formal complaints with the ***** *** and the ***** Please resolve these issues at your earliest availability.Thank you,***** ********

  Business Response

  Date: 02/10/2025

  Hello Fedor, we appreciate you taking the time to share your complaint. Well investigate this and follow up with you about your specific experience. Thank you!
  Arti
  Member Experience

  Customer Answer

  Date: 02/10/2025

   
  Complaint: 22918572
  
  I am rejecting this response because, it is just a notification that the business has begun to investigate my complaint, nothing else.
  
  Sincerely,
  
  ***** ********

  Business Response

  Date: 02/10/2025

  Hello Fedor,

  Thank you for the response, please allow 2-3 business days for us to investigate this issue and follow up with you.

  Sincerely,

  Arti

  Member Experience

• Initial Complaint

  Date:02/10/2025

  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.

  Subject: Fraudulent Account - Identity Theft Notification Dear *********** am writing to notify you of a fraudulent account that has been recently discovered in my name with First Tech Federal Credit Union. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: First Tech Federal Credit Union Opened Date: 10/22/2018 Account Number: **************** I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate confirmation of the accounts closure and any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter

  Business Response

  Date: 02/10/2025

  Hello ******, we appreciate you taking the time to share your complaint. Well investigate this and follow up with you about your specific experience. Thank you!
  Arti
  Member Experience

• Initial Complaint

  Date:01/30/2025

  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.

  Within these last 3-4 months, I've been receiving a gentleman's mail off and on to my address on ******************************************************. The gentleman's name is **** **** and he is a customer of **********************. I don't know Mr. **** nor never met him and keeps sending correspondence to ***********************. Thus, several times I've reached out to First Tech Federal Credit Union customer service to correct the issue, however the issue hasn't been corrected. So, I request that First Tech Federal Credit Union permanently stop sending Mr. ****** mail since my Uncle who is the head of the household is getting upset about Mr. ****** mail. FOR SECURITY REASONS, DO NOT DISCLOSE MY PERSONAL INFORMATION SUCH AS NAME, PHONE NUMBER ETC. TO MR. **** **** NOR THE PERSON WHO REPORTED THE MAIL CORRESPONDENCE MATTER.

  Business Response

  Date: 01/31/2025

  Hello **** we appreciate you taking the time to share your feedback.

  Well investigate this and follow up with you about your specific experience.

  Thank you!

  ***** ******
  Member Experience

  Customer Answer

  Date: 01/31/2025

   
  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:01/29/2025

  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.

  On January ******* I received an email stating my mortgage payment was not received for the month (due on Jan 1). I signed on to the app to figure out the issue and noticed that I had been charged a $98.81 late fee as well. On Jan 28th, I called customer service and went through multiple layers of representatives to resolve this. They stated First Techs policy is to approve one late fee waiver per life of the loan. This immediately struck me a terrible customer service when talking about a 30 year mortgage. Upon further digging I saw that I was also charged late fees in Oct, Nov and Dec of 2023 and never realized this. A request to refund all four late fees ($395.24) was started. On Jan 29th I received a response again quoting their awful customer service refund policy stated above and my request was denied because this happened in the first year of the loan on 12/20 which was my one lifetime refund that was approved. I should have learned then!By now I figured out the cause. Each year when the Escrow amount changed due to insurance costs rising, my re-occurring auto payment was not enough to cover this increase, therefore bouncing. First Tech never reached out to me as a warning that my payment went up and instead was happy charging me a fee. I have escalated this gap in customer service and they don't seem to care. I wasn't unable to pay the new amount, I just wasn't aware the amount had changed and my autopayment failed me.

  Business Response

  Date: 01/29/2025

  Hello ****,

  We appreciate you taking the time to share your feedback.

  Well investigate this and follow up with you about your specific experience.

  Thank you!

  ***** ******
  Member Experience

• Initial Complaint

  Date:12/31/2024

  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.

  My credit card information was stolen and used for $6000 back in April. I was so busy this year getting married, buying a new home, working fulltime and traveling with my husband that I did not notice the charge. My husband pays my credit card bills and does not look into the transactions. I finally got a chance to sit down this month and noticed this charge that I never authorized. I submitted a dispute for credit card fraud and let first tech federal credit union know that it was not me and that this was a fraudulent charge. They called me today and said they would not credit my account back for the fraudulent charge because the charge was made over 60 days ago and that they were closing the investigation and marking it as resolved.. They said that I had logged into my account since and that was another reason but I explained that I only log in to make sure I don't miss any payments and did not get a chance to look into transaction history and the *** said I only have once account when in fact I have a savings, credit card and line of credit. I then asked if they contacted the merchant regarding the transaction and they admitted to me that they did not. They don't care that one of their customers was victimized but rather just using a 60 day rule to be lazy and close out an investigation. There was no real investigation that took place and First tech Federal Credit Union mishandled the situation.

  Business Response

  Date: 12/31/2024

  Dear ******,

  Thank you for your message, it seems that this complaint is a duplicate of one that First Tech has received through a regulator. We will respond directly through the regulators system. Please know that any complaint entered into the **** system is transferred to the First Tech Complaint Program for tracking. Thank you!

  Arti

  Member Experience

  
  

• Initial Complaint

  Date:12/26/2024

  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.

  Formal Complaint Regarding $300 Bonus Promotion I am writing to formally lodge a complaint regarding your recent promotional offer, which promised a $300 bonus upon meeting specific eligibility criteria. Despite fulfilling all the stated requirements, I have yet to receive the bonus within the promised timeframe. As part of your promotion, I was required to: 1. Open an account during the promotional period. 2. Make three consecutive payroll deposits, each totaling $1,000 or more, over three months. I successfully completed these requirements by making qualifying payroll deposits in August, September, and October. After not receiving the $300 bonus within the promised timeframe, I contacted your customer support team via chat. Your representative confirmed that the three payroll deposits required for the bonus were indeed made. Despite this confirmation, I was informed that the bonus will not be paid out, which is entirely unjustified and contrary to the terms of your promotion. The failure to honor this promotion reflects poorly on your institution and undermines the trust customers place in your *********************************************. This situation has caused me considerable frustration and inconvenience. The resolution I seek is simple and fair: I request that the promised $300 bonus be credited to my account immediately as per the terms of the promotion. If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue. I trust that First Tech Federal Credit Union values its customers and adheres to its promotional commitments. I expect your prompt response and resolution to this matter. Please respond within [reasonable timeframe, e.g., 7-10 business days] to avoid further escalation.

  Business Response

  Date: 12/27/2024

  Thank you for your message, it seems that this complaint is a duplicate of one that First Tech has received through a regulator. We will respond directly through the regulators system. Please know that any complaint entered into the **** Regulator system is transferred to the First Tech Complaint Program for tracking. 
  Thank you!

  **** *****

  Member Experience

  Customer Answer

  Date: 12/31/2024

   
  Complaint: 22717438
  
  I am rejecting this response because:
  
  I have not received the desired resolution of my bonus payout for my account with this bank

  The resolution I seek is simple and fair: I request that the promised $300 bonus be credited to my account immediately as per the terms of the promotion.  

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

  Business Response

  Date: 01/02/2025

  Dear Kais,
  Thank you for your message, it seems that this complaint is a duplicate of one that First 
  Tech has received through a regulator. We will respond directly through the regulators 
  system. Please know that any complaint entered into the **** system is transferred to the First Tech Complaint Program for tracking. 
  Thank you!
  

  **** *****

  Member Experience 

  
  

  Customer Answer

  Date: 01/03/2025

   
  Complaint: 22717438
  
  I am rejecting this response because:
  The resolution I seek is simple and fair: I request that the promised $300 bonus be credited to my account immediately as per the terms of the promotion.  
  
  
  If this matter is not resolved promptly, I will be left with no choice but to escalate my complaint further. This may include filing a formal complaint with relevant regulatory bodies and seeking additional remedies to address this issue.  
  Sincerely,
  
  **** ********