ComplaintsforSpace Coast Credit Union

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Initial Complaint
06/16/2024
Complaint Type:
Order Issues
Status:
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.
I am not liable for this debt with Space Coast Credit Union. I do not have a contract with ************** They did not provide me with the original contract as I requested.
Business response
06/18/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on June 17, 2024. We have thoroughly reviewed the situation and the Vice President of Operations addressed it directly with the member on June 17, 2024 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Initial Complaint
06/10/2024
Complaint Type:
Billing Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
this company keeps charging me fees and late payments even though the carloan was paid in full . I have wasted hours talking to CS and they all say they left notes and that i have a zero balance and that the next statement woudld reflect a zero balance but the statements keep coming with late fees and finance charges on a paid of loan. I cant spend countless hours on hold i need this resolved .
Business response
06/10/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on June 10, 2024. We have thoroughly reviewed the situation and SCCUs Loan Servicing Manager addressed it directly with the member on June 10, 2024 by way of telephone. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Customer response
06/14/2024

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. Thank you to ******* .

Sincerely,

*****************************
Initial Complaint
05/22/2024
Complaint Type:
Sales and Advertising Issues
Status:
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.
Occurred 6may2024. Phone call stating my debit card had been compromised. The hacked into my phone as well. Space Coast Credit Union stated it was not fraud. Declined to reimburse the $31,000.
Business response
06/05/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on 5/22/24. We have thoroughly reviewed the situation and ****'s Vice President of Payments & Loss Prevention addressed it directly with the member on May 29, 2024 by way of letter. The letter should be received within the next five business days. In the interest of protecting the member's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Initial Complaint
05/21/2024
Complaint Type:
Billing Issues
Status:
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.
Creditor Name: SPACE COAST CREDIT UNION Account number: ************* I am writing to address the inaccuracies surrounding my account with your institution. On May of 2023, I diligently made an in-person payment of $1500 in cash towards my Personal Loan Installment at a local Space Coast branch. I ensured the transaction was completed by obtaining a receipt, thus bringing my account up to date as intended. However, my confidence in your institution was soon shattered when, two weeks later, Space Coast Credit Union (SCCU)inexplicably reversed the $1800 payment I made. To my dismay, SCCU applied this payment to an auto loan installment, which I also held with your institution. Consequently, this action caused my Personal Loan Installment account to fall into arrears, leading to its immediate charge-off in June of 2023. I have received a notification stating that this same installment account was closed AND CHARGED OFF February 2024. This a CLEAR DISCREPANCY and INACCURATE information reporting (Multiple violations and I requesting for this account to be deleted because of the inaccurate reporting). I am deeply troubled by the negligent and fraudulent handling of my account. At no point was I informed or provided with written notice that my payment would be diverted to another account. This deviation from my explicit instructions to apply the payment to my Personal Loan Installment constitutes a breach of trust and a violation of my consumer rights.Considering these egregious errors, I am compelled to request immediate action to rectify this situation. Specifically, I demand the following:Deletion of the erroneous account from my ********************** report, as its presence is detrimental and unjustified.A comprehensive investigation into the circumstances surrounding the reversal and misapplication of my cash payment. I seek clarity on why this occurred and assurance that corrective measures will be implemented to prevent such incidents in the future.
Business response
06/05/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 21, 2024. We have thoroughly reviewed the situation and ****'s Manager of Consumer Loan Servicing addressed it directly with the member on May 23, 2024 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the member's confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Initial Complaint
05/14/2024
Complaint Type:
Service or Repair Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
"My SCCU bank experienced fraud totaling $400 through Zelle and then again from ********************** Not only did it take them over a month to investigate the situation after I provided all the necessary paperwork, but they also decided not to refund my money both times. I have never had to wait this long for resolution or to receive my money back with ***** Fargo. This bank clearly does not prioritize customer service, as it takes hours just to speak to someone on the phone."
Business response
05/22/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 15, 2024. We have thoroughly reviewed the situation and SCCUs Vice President of Payments & Loss Prevention addressed it directly with the member on May 22, 2024 by way of letter. The letter should be received within the next 5 business days. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Customer response
05/27/2024

Thank you for the temporary refund of $400 related to the Zelle fraud incident. However, I wanted to bring to your attention regarding the $270 charge from ********************* that occurred shortly after the Zelle transaction.

I find it puzzling that Space Coast Credit considered this particular transaction as non-fraudulent due to the presence of my signature. I would like to emphasize that, as this transaction was conducted entirely online, it seems improbable that my physical signature would have been on file. Upon noticing the transaction promptly, I took immediate action to cancel it, which raises questions as to why the funds were not refunded accordingly.

I would appreciate your help in investigating this matter further to ensure that the $270 charge from ********************* is rectified promptly. Your support in resolving this discrepancy would be greatly valued.

Thank you for your attention to this matter.

Best regards,***********;
Customer response
05/27/2024
Subject: Re: Issue with Refunds for Zelle and *********************

Dear [Recipient's Name],

Thank you for the temporary refund of $400 related to the Zelle fraud incident. However, I wanted to bring to your attention regarding the $270 charge from ********************* that occurred shortly after the Zelle transaction.

I find it puzzling that Space Coast Credit Union considered this particular transaction as non-fraudulent due to the presence of my signature. I would like to emphasize that, as this transaction was conducted entirely online, it seems improbable that my physical signature would have been on file. Upon noticing the transaction promptly, I took immediate action to cancel it, which raises questions as to why the funds were not refunded accordingly.

I would appreciate your help in investigating this matter further to ensure that the $270 charge from ********************* is rectified promptly. Your support in resolving this discrepancy would be greatly valued.

Thank you for your attention to this matter.

Best regards,***********;
Customer response
05/28/2024

Complaint: 21710950

I am rejecting this response because:

Date Sent: 5/27/2024 7:45:42 AM

Thank you for the temporary refund of $400 related to the Zelle fraud incident. However, I wanted to bring to your attention regarding the $270 charge from ********************* that occurred shortly after the Zelle transaction.

I find it puzzling that Space Coast Credit considered this particular transaction as non-fraudulent due to the presence of my signature. I would like to emphasize that, as this transaction was conducted entirely online, it seems improbable that my physical signature would have been on file. Upon noticing the transaction promptly, I took immediate action to cancel it, which raises questions as to why the funds were not refunded accordingly.

I would appreciate your help in investigating this matter further to ensure that the $270 charge from ********************* is rectified promptly. Your support in resolving this discrepancy would be greatly valued.

Thank you for your attention to this matter.

Best regards,***********;

Sincerely,

***************************
Business response
06/05/2024
Space Coast Credit Union always ensures we take corrective action when needed to better serve our membership. SCCU has thoroughly reviewed the facts of the situation presented, and we've taken the appropriate actions necessary in response to this complaint.
We have previously communicated with the consumer on June 5, 2024 via telephone and made an attempt to resolve the concern. At this time there is no new information that SCCU is at liberty to disclose due to confidentiality. SCCU would appreciate BBB's assistance with closing this case.
Customer response
06/06/2024

Complaint: 21710950

I am rejecting this response :

I hope this message finds you well. I am writing to address concerns regarding the recent communication and documentation requests related to the dispute resolution process.

I must express my disappointment with the handling of the matter thus far. Upon finally receiving an email from SCCU yesterday, I have noted a pattern where calls are made without any voicemail being left. When attempting to return these calls, it appears that there is a lack of clarity on who initially reached out to me, leading to unnecessary confusion and delays in our correspondence.

Furthermore, I am still awaiting a response from *******. The current request for the same paperwork that was previously submitted has raised questions about the efficiency and attention to detail within your organization. This redundant request casts doubt on the thoroughness of the review process and leaves me questioning the overall effectiveness of the dispute resolution procedures in place.

These recent experiences have prompted me to reassess my confidence in the organizational processes at SCCU, particularly in relation to the handling of important details such as documentation and communication protocols. I hope that moving forward, we can work together to streamline our interactions and address any outstanding issues promptly and effectively.

I kindly request your assistance in ensuring that all necessary actions are taken to resolve this matter efficiently. Your attention to these concerns is greatly appreciated, and I look forward to receiving a prompt and satisfactory resolution.

Thank you for your understanding and cooperation.
Warm regards,

***************************
Initial Complaint
05/13/2024
Complaint Type:
Service or Repair Issues
Status:
Unresolved
The business responded to the dispute but failed to make a good faith effort to resolve it.
This company has made multiple mistakes on a construction loan we applied for. They lied. When asked to speak to a manager the said they would put in a request 4 days later still no call back. We have called 3x to asked to speak to a manager still no response.
Business response
05/22/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on May 13, 2024. We have thoroughly reviewed the situation and SCCUs Vice President of Consumer Sales addressed it directly with the member on May 21, 2024 by way of telephone. In the interest of protecting the members confidentiality,we are not able to provide any details regarding our communications; however,we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Customer response
05/22/2024
They wasted 3 months of our time to find out they could not help us. The appraisal was sent to them last month. No one told us they could not help us at the moment. They continue to drag this out to find out that it was against their policy to provide a loan to an agucultural zoning. Is this a new policy? Why were we not informed last month or at the beginning of this process.
Customer response
05/23/2024

Complaint: 21703771

I am rejecting this response because:
They wasted 3 months of our time to find out they could not help us. The appraisal was sent to them last month. No one told us they could not help us at the moment. They continue to drag this out to find out that it was against their policy to provide a loan to an agucultural zoning. Is this a new policy? Why were we not informed last month or at the beginning of this process.

Sincerely,

*******************************
Initial Complaint
05/09/2024
Complaint Type:
Product Issues
Status:
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.
Space coast credit union took out an insurance policy against my home even though my home is paid off. They didnt notify of this until they made the purchase. After speaking to them many times they have cancelled the poilicy and are supposedly issuing me a refund. The most signifcant problem is that they purchased this policy in april of this year, just a month ago, but are attempting to commit fraud by claiming they backdated the insurance policy purchase to december of last year, which you cannot do so either they or the insurance company are committing fraud with this attempt to bill me for a service not rendered. The policy amount was over $5000 but the refund amount for only an actual month of the policy was for $3400 supposedly. At most i should be responsible for the actual purchase date until it was cancelled, around $500. Thank you
Business response
06/04/2024
Space Coast Credit Union always ensures we take corrective action when needed to better serve our membership. SCCU has thoroughly reviewed the facts of the situation presented, and we've taken the appropriate actions necessary in response to this complaint.
We have previously communicated with the consumer on 5/29/24 via telephone and made an attempt to resolve the concern. At this time there is no new information that SCCU is at liberty to disclose due to confidentiality. SCCU would appreciate BBB's assistance with closing this case.
Initial Complaint
04/26/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Space coast credit union, was issued a security and i want it transferred to my state trust. this is securities fraud and i am in contact with the **** i ******************* have not gifted or abandoned this security i have a cusip number seeing how much money has been made and Space coast credit union is making from me. also they want me to pay a debt with a debt which is not possible the contract is fraudulent by nature. i been reading about banking and the SEC. i'm making this complaint for evidence of dishonor and non compliance if we need to go to arbitration. i am talking to the *** and have filed a 1099A form, form 211 and form 3949-A. Space Coast Credit Union is damaging my name as well on my credit report in the public. i would like to solve this matter in the private. i am talking to a detective i have setup an appointment. please contact me with a case manager.
Business response
05/10/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on April 26, 2024. We have thoroughly reviewed the situation and SCCUs VP of Operations addressed it directly with the member on April 29, 2024. In the interest of protecting the members confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Customer response
05/10/2024

Complaint: 21632642

I am rejecting this response because:
I have contacted the *** and summited for them to be removed from the fraudulent account they opened i also reported multiple members from their headquarters to the *** they also acted in dishonor and lied just now they know well that they doing is fraud. i already submitted for the power of attorney to be removed from them by the *** and for me to take fiduciary responsibility over my account they are acting in best interest of themself. i been studying banking and how it works and this is a fraudulent contract, they failed to disclose they was going be and account securitized under my name. failure to disclosed they never loaned me anything. they money was simply created with my signature. i understand these are common banking practices, but these people have destroyed our entire country and way of living. their greed is so powerful that all the have now is to want to keep a control they are loosing over the masses. i have other banks ready to give remedy and this credit union whats to keep on with the lies and dishonor. im keeping this to serve as evidence for a federal lawsuit. i have a ******* video that will explain in details naming SCCU on how what they do works and how all of these auto loans of hard working people are fraudulent by nature. i have two attorneys in fact that will be giving details on how this massive scheme works. if they want the Public and private to me they will have it. ill pray and hope to God they are not meet with the violence that the masses can dispose on them most people are not as honorable as me and stoic. Best of luck to SCCU when the video is released.

Sincerely,

*******************
Business response
05/14/2024

Space Coast Credit Union always ensures we take corrective action when needed to better serve our membership. SCCU has thoroughly reviewed the facts of the situation presented, and weve taken the appropriate actions necessary in response to this complaint.
We have previously communicated with the consumer on 4/29/24 via letter and made an attempt to resolve the concern. We are additionally reaching out on 5/13/24 via letter. At this time there is no new information that SCCU is at liberty to disclose due to confidentiality. SCCU would appreciate BBBs assistance with closing this case.
Customer response
05/15/2024

Complaint: 21632642

I am rejecting this response because I already filed as whistleblower to the *** treasury of the money they been making in the private ill return their fraudulent contract back and not answer it. i already showed the *** how much money they banking in the private. these people are thieves they lie to the masses to take advantage of them. pledging then to to car loans as if people where slaves. i already contact the mayor, state attorney
generals.

Sincerely,

*******************
Initial Complaint
04/07/2024
Complaint Type:
Billing Issues
Status:
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.
I had a loan from Space Coast Credit Union SCCU) when I became a victim of identity theft. The Credit Union issued me a new debit card and I had overdraft protection which I was using because my payroll check never deposited. Then it happened again and Credit Union was going to change my account. Well from the first incident my retirement check never deposited, and the State of FlorIda only issues payroll once a month and I never had a deposit to cover the loan or the overdraft protection. Then the next month came and again my check was not deposited and again the loan and overdraft was not paid. Then the Credit Union closed my account and again the State tried to deposit my payroll check and again the check went back to the State. Well the State will not try again with that account number. I explained the situation to the Credit Union account people and they reopened my account then the loan people closed my account and again the State payroll check did not get deposited. I tried to explain all of this to the loan people and they refused to open my account and the loan people due not communicate with the account people. Then I had no account to deposit or collect my payroll check, and I had no way to pay back my overdraft protection or my loan. I contacted the Credit many times about my account and they refused to do anything to help me and when I did get my money they refused to accept any payments. I was not going to beg them to take my money. Well in January 2023 I was involved in a crash where a sheet of plywood flew off a semi and went through the front of my vehicle and did almost $10k in damage. The car was in the body shop for 17 months because there were no parts available due to Covid. I never heard another word the Credit Union until 04/04/2024 when my automobile was towed away for a repossession. Apparently the Credit Union wrote off my loan then sold the loan to some company never discussing anything with me. I would like is my vehicle back, my loan reinstated and my account back open and arrange a payment plan for the overdraft protection. I am on a very short timetable. **************************** ************** Cell CONFIDENTIALITY NOTE: The information contained in this email message is legally privileged and confidential information intended only for the use of the above named addressee. If the recipient of this message is not the named addressee, you are hereby notified that any dissemination, distribution or copy of this email is strictly prohibited. If you have received this email in error, please immediately notify us by telephone and forward the original message to us at the address below via email, ****************
Business response
04/29/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on 4/8/24. We have thoroughly reviewed the situation and SCCUs AVP of Credit Solutions addressed it directly with the member on 4/10/24. In the interest of protecting the members confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.
Initial Complaint
04/02/2024
Complaint Type:
Service or Repair Issues
Status:
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.
Because of paying my bills on time Space Coast Credit Union keeps lowering my Fico score month after month for no reason. All of my accounts are pay on time no late payments whatsoever I have a clean record on my credit bureaus.
Customer response
04/02/2024
Not only Space Coast Credit Union lower or report negative information without reason, because last month I disputed their wrong balance to the credit bureaus they reported something and lower my score again by 14 points for no reason.
o the month of February because of them I lost more than 22 points so if you ad that the total is 36 points , they are damaging my credit score without a good reason, I have a perfect payment history with them no late payments whatsoever no collections all my credit cards are fully paid , so I dont know what is happening.
Business response
04/29/2024
Space Coast Credit Union takes member feedback seriously and we welcome the opportunity to respond to your concern submitted to the BBB on April 8, 2024. We have thoroughly reviewed the situation and SCCUs Director of Operations addressed it directly with the member on April 11, 2024. In the interest of protecting the members confidentiality, we are not able to provide any details regarding our communications; however, we encourage the consumer to contact us directly if further assistance is needed.
We appreciate you bringing this issue to our attention.

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