Complaints

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

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  Educational Federal Credit Union

  7800 SW 117th Ave Miami, FL 33183-3825

• 

  Educational Federal Credit Union

  PO Box 830370 Miami, FL 33283-0370

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:01/10/2025

  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.

  I have been making payments towards my principal for months and was never informed that it was going towards the premium. I contacted the bank to inquire why they were not putting the additional payments towards the principal they said I had to call it in. My due date is at the end of the month and I am enrolled in automatic payments. I contacted the bank and informed them to please add $500 towards the principal. It was processed and several hours later I get a call from the bank informing me that the Loan Specialist ****** informed the *** who called me saying that I must pay the premium payment first prior to the principal payment. Mind you the premium is already set for automatic deductions each month. I requested to speak with ****** over the phone, he did not take my call. This is not the first time I have this issue with this ******. This is the same person that has been giving me issues since I attempted to refinance my second vehicle with the credit union - denied my case because of my "lack of income" which is not the case being that my annual gross and net is worth quadruple the amount I was asking to refinance. I even offered to put a bigger deposit and was denied. ****** refused to speak with me on the phone during that attempt and then denied my other attempt to get a loan to pay off the credit cards since the credit union was offering a lower interest rate. I previously had a car loan years ago with this same credit union and the experience was great. This time around it seems that they are desperate and hiring individuals that have no education and no common sense. Never have I heard that you are not allowed to make a principal payment whenever you want. This individual perhaps lacks the knowledge that is required for the position of loan specialist. All other financial institutions you are allowed to make a principal payments whenever you want. I want this issue clarified. This is ridiculous - we are talking about me making PAYMENTS to the bank!

  Business Response

  Date: 01/21/2025

  Thank you for bringing this matter to our attention, and for allowing us the opportunity to address your concerns. We apologize for the confusion that this caused, and believe we have resolved this matter to your satisfaction. If you require any further assistance, please contact us at **************. 

  Customer Answer

  Date: 01/21/2025

   
  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,
  
  Marielsie *******

• Initial Complaint

  Date:06/07/2024

  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.

  June 7 2024??***************************?************************************** Educational federal credit union Po Box ****** - *****, ** Notice of unauthorized use of ATM/Debit Card Account Number : LAST 4 of account number :1921 Dear Sir or Madam:I am the victim of identity theft. My ATM/Debit card was used for an unauthorized transaction. I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my ATM/Debit card in any way.I am notifying you, pursuant to the *************** Transfer Act, and implementing Regulation E, 15 U.S.C. 1693 et seq., 12 C.F.R. 205, of my ATM/Debit Card unauthorized transaction. See especially 12 C.F.R. *****, ******. I request that you investigate any unauthorized transactions involving this card, including but not limited to the following:I am attaching a copy of each of the following documents to this letter:1. A copy of my Identity Theft Report which includes: * my FTC Identity Theft Report 2. The CFPBs Notice to Furnishers of Information Please remove the account from my ********************** report and restore any funds which have been withdrawn from my account if applicable. Please also notify me in writing of the results of your investigation or if you have any questions regarding this notice or my requests. Please send me written confirmation that any funds have been restored and the account has been removed from my credit report. Sincerely, ****************

  Business Response

  Date: 06/18/2024

  Thank you for bringing this matter to our attention. We have made several attempts to contact you but have been unable to reach you. Please contact us at ************** so that we may resolve your concerns. 

• Initial Complaint

  Date:04/07/2024

  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.

  I signed up for automatic bill payments for my progressive auto insurance. I have confirmation that I put a valid card on file for automatic payments. On August 19, 2023, progressive attempted to charge my card, and could not because my bank Ed *** block the transaction, stating the card was no longer valid. However the card was valid, with a balance to cover the progressive payment. I have contacted them about this transaction, and was giving the run around. I've had staff tell me I should have called earlier and that it's my fault because they send out paper statements. I've asked for the recorded call to be pulled because an agent from ****** previously mentions the invalid card mistake. To no avail, I've asked for transactions details as to why they blocked the transaction, and have yet to receive an answer.As a result of the blocked transactions, my insurance was canceled, and I was penalized with 200$ monthly fee for uninsured motors.

  Business Response

  Date: 04/15/2024

   

  Thank you for bringing this matter to our attention. We mailed you a written response and consider this matter resolved.

  If you require any further assistance, please contact us at **************. 

  Customer Answer

  Date: 04/17/2024

   
  Complaint: 21541372
  
  I am rejecting this response because: ****** is unable to provide a valid reason as to why the transaction was refused on behalf of ** F**. I have a written response from ** fed stating that at the time of the transaction by progressive, my card was valid and there was an account balance that covered the incoming charge. ** fed denied that charge and cannot give me a reason why, transaction was on August 19, 2023.  None of the calls were ever listened to, and don't even have the correct transaction date, because seriously no body cares. *************************** sent this response, that they mailed me a letter, and the case was closed, WITHOUT any further information.  Their response was to call with additional questions. I've called over 5 time to speak about the "letter" that was sent, because I'd never even received a letter. She refused to talk to me, when I called, the operator was in very close communication with her, but refused to talk to me. Finally when the operator transferred the call, ***** did not pick up. I was passed along to several people who didn't even know the contents of the letter.  And I still haven't spoken to anyone! Extremely disappointing! There was no resolution, my warning is to be careful of this bank, Management us very rude and condescending, a complete waste of time. 
  Sincerely,
  
  *****************************

  Customer Answer

  Date: 04/17/2024

  And the reason of incorrect CVV is not a valid reason to deny the transaction, because the card had been enrolled in automatic bill pay, so the payments were automatic and not keyed in manually.   And the dates included on the letter, is no the correct date of the transaction. The date included in the letter, is August 6th which is before the transaction in question, progressive attempted to charge my card on Aug 19th

  Business Response

  Date: 05/01/2024

  Thank you for bringing this matter to our attention, and for allowing us the opportunity to address your concerns. We apologize for the confusion that this caused, and believe we have resolved this matter to your satisfaction. If you require any further assistance, please contact us at **************. 

• Initial Complaint

  Date:03/13/2024

  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.

  EdFed is accusing me of fraud. They have made everything possible to make me feel worthless, to beg them for help. Lots of their representatives use sarcasm and treat the public (not the rich members) with demeanor. I have never felt so offended in my life. Im ok with any department, any law enforcement investigating my case because I know I have absolutely nothing to do with any fraudulent act. I give the right entities permission to proceed with a thorough investigation. Contact me. Im willing to decipher this enigma and prove myself a victim of real fraud.

  Business Response

  Date: 03/21/2024

  Thank you for bringing this matter to our attention, and for allowing us the opportunity to address your concerns. We apologize for the confusion that this caused, and believe we have resolved this matter to your satisfaction. If you require any further assistance, please contact us at **************.

  Customer Answer

  Date: 03/26/2024

  ***** replied, in a very smart way. They stated that everything done was to protect my account. What they failed to write about and mentioned in their crafty response is their representatives saying that I willingly participated in this. Im in the process of changing banks. Its not a two week thing. I will not go to the post office to pick up more ridiculous letters from them. Gas is very expensive and the letters dont have anything special to require my signature.

  Customer Answer

  Date: 03/27/2024

   
  Complaint: 21425418
  
  I am rejecting this response because:

  EdFed replied, in a very smart way. They stated that everything done was to protect my account. What they failed to write about and mentioned in their crafty response is their representatives saying that I willingly participated in this. Im in the process of changing banks. Its not a two week thing. I will not go to the post office to pick up more ridiculous letters from them. Gas is very expensive and the letters dont have anything special to require my signature.
  
  Sincerely,
  
  *******************

  Business Response

  Date: 04/03/2024

  Tell us why here...We apologize for the confusion that this matter has caused.  However, we have identified no further action to be taken.  As a result, we consider this matter resolved.  If you require any further assistance, please contact us at **************.

  Customer Answer

  Date: 04/03/2024

   
  Complaint: 21425418
  
  I am rejecting this response because they flagged my account as if Im a criminal. When I call to speak to a representative is a huge mystery. Like Im on the ***s most wanted list. They apologized because thats something easy to write, but genuinely, they targeted me as a fraudster. I cant wait for the *** investigation to be completed so I can come back here and upload the evidence. I will not give up until my name is clean. I will prove you wrong and your acts were unfair at a very difficult moment in my life. EdFed, walk on my shoes a week and lets see how you do it.
  I have attached the location of the company that hired me through LinkedIn as well as their profile. I paid $700 from my money because like ***** said: I voluntarily participated in this and its not considered real fraud.
  Sincerely,
  
  *******************

• Initial Complaint

  Date:01/03/2023

  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 happen to be reviewing my consumer report and I see that my bank accounts that I had with this Union is on there. This is not a credit account this is a DEPOSIT account. Literally my checking/ savings. I have many accounts and never in my life have I seen any of my bank accounts displayed. A few things. Firstly, this credit union is a financial institution. It is there DUTY...fiduciary duty..more specifically to work in the best interest of whom they have the transaction which in this case is me. So I want to know why in the world is any of my information being obtained by third party companies and being parked and impacting my way of living. Shame shame shame not only that each month is being updated as if I have any transactions with this financial company which I do not. As far as I see it, it is racketeering activities and means of extortion. I gave no one any permission to show or display anything. You all are breaking the **** Policies are policies yes but they do not exceed the law. I can say in my company someone is allowed to drive trucks at 50 mph but if the Law says 20 and they get a ticket do you think my policies will hold up in court absolutely not. Seriously this type of act is an attack against me. I am a single mother, a survivor of domestic violence, trying to rebuild my life now tell me what you think is possibly happening since you all furnished this PRIVATE information, updated it constantly, while I try to ensure the safety of my MINOR child and I. You tell me how my approvals have been impacted, I will wait. You all should be ashamed of the illegal practices you have committed. I am requesting that both accounts that you have illegally parked in spite be removed permanently from my credit report with all consumer agencies that being Transunion, Equifax, and Experian. I am with great hope that you complete your fiduciary duties. Thank you again for your time.

  Business Response

  Date: 01/10/2023

  Thank you for bringing this matter to our attention, and for allowing us the opportunity to address your concerns. At this time, we believe we have resolved this matter to your satisfaction. If you require any further assistance,please contact us at **************.
  

• Initial Complaint

  Date:12/25/2022

  Type:Order 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 JPMCB CARD SERVICES, AND DO NOT HAVE A CONTRACT WITH JPMCB CARD SERVICES. They did not provide me with the original application like i asked for.

  Business Response

  Date: 01/09/2023

  Thank you for bringing this matter to our attention. We attempted to contact you but have been unable to reach you. We sent you correspondence addressing your concerns and believe we have resolved this matter. If you require any further assistance, please contact us at **************.

• Initial Complaint

  Date:12/25/2022

  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 am not liable for this debt with Education Federal Credit Union. I DO NOT HAVE A CONTRACT WITH EDUCATION FEDERAL CREDIT UNION BECAUSE THIS ACCOUNT IS PAID. THEY DID NOT PROVIDE ME WITH THE ORIGINAL APPLICATION LIKE I ASKED

  Business Response

  Date: 01/09/2023

  
  Thank you for bringing this matter to our attention. We attempted to contact you but have been unable to reach you. We sent you correspondence addressing your concerns and believe we have resolved this matter. If you require any further assistance, please contact us at **************.

• Initial Complaint

  Date:08/19/2022

  Type:Sales and Advertising 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.

  I'm questioning being charged 2 over draft fees when I had enough money in my account for one of the charges. I checked my app online before making the payment for the light bill. There's no reason I'm being charged for that when the was enough to cover that $183 lift bill. I'm aware of charges that are more than the available amount but this wasn't the case. I attached a screenshot . Customers are encouraged to use the EdFed app , which I did, so there's no reason I'm viewing available money but still being charged $30. Once you're holding my money for a charge, that charge should be cleared without fees ... anything after that, I understand being charged especially if there is no funds available for those charges

  Business Response

  Date: 08/25/2022

  Thank you for bringing this matter to our attention, and for allowing us the opportunity to address your concerns. We apologize for the confusion that this caused, and believe we have resolved this matter to your satisfaction.If you require any further assistance, please contact us at **************. 

  Customer Answer

  Date: 08/31/2022

   
  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,
  
  Dinotra ******

• Initial Complaint

  Date:06/23/2022

  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.

  In the past week I have been charged FIVE fees for basically the same transaction. I got a new car insurance and instructed the company to withdraw the deposit funds on Wednesday 6/22. For some reason the company attempted to take the money sooner (Im not faulting the bank for this). I have tried several times to speak to someone at the insurance company but the operator constantly says to due to longer than normal wait times Ill have to call back. Due to this problem I went in to EdFed to speak with someone to see about pausing or canceling the *** withdrawal or other options, I was told that I had nothing to worry about because after the first attempt the bank would not allow any more attempts for the withdrawal. That was a lie and now I have four additional fees that I absolutely cannot afford to pay. I had $30 and was prepared to pay to stop the check but I was told that wasnt necessary.

  Business Response

  Date: 10/12/2022

  Thank you for bringing this matter to our attention, and for allowing us the opportunity to address your concerns. We apologize for the confusion that this caused, and believe we have resolved this matter to your satisfaction. If you require any further assistance, please contact us at **************.