Complaints

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

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  McCoy Federal Credit Union

  35 W. Michigan Street Orlando, FL 32806

• 

  McCoy Federal Credit Union

  5201 Raymond Street Room 1202 Orlando, FL 32803

• 

  McCoy Federal Credit Union

  2075 Central Florida Parkway Orlando, FL 32837

• 

  McCoy Federal Credit Union

  9161 Narcoossee Road Orlando, FL 32832

• 

  McCoy Federal Credit Union

  931 N. Park Avenue Apopka, FL 32712

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:02/03/2025

  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 financed a vehicle through mccoy federal and it was easy to get the loan. Come the time to pay it has been impossible to get a hold of someone. The agent ****** who was facilitating my loan doesn't respond to my emails or calls and it is IMPOSSIBLE to talk to anyone over the phone. I am no longer in ******* and cannot just go into a branch. I need assistance and they are not providing it to make my payments. It is now 2 months behind and affecting my credit... what is happening? Do they want to repo my car because I made a big downpayment? I have never experienced this before...

  Business Response

  Date: 02/18/2025

  Good afternoon,

  On February 4, 2025, a McCoy representation spoke to Ms. ******** to address her complaint. When we asked her for the details, she responded that it was already taken care of.

  If there is something additional that she needs, we will be happy to assist her.

   

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

  Vice ********* Lending

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

   

• Initial Complaint

  Date:01/08/2025

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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 mortgage with McCoy Federal Credit Union. The property in question was sold, and the mortgage paid in full at closing. I have since moved out of state, and thus closed my personal share account with ******************** as well. I received an email from McCoy telling me that my final tax statement for the mortgage was complete, and that I would need to log into my online account to view and save that document. However, siince I do not have an active share account any longer- I do not have online access. I called the customer service number to ask that the tax document be either emailed or mailed to me, explaining the issue with no longer having online access.. I was told:1. I would need to drive back to ******* to appear in person at a local branch and ask the branch manager to print a copy for me. or....2. I can obtain and send a cashiers check for $3.00 along with copies of the front and back of my photo ID and a letter explaining that I need someone to email or mail the tax document to me. Unfortunately, this isn't the first time I've dealt with a situation where this credit union cannot accomplish even the simplest of tasks without a ridiculous wild goose ******** I would just like to warn consumers against banking with this institution. I also have accounts with ************* in ******* and everything is much simpler. To resolve this complaint, I would just like someone from McCoy FCU to either mail or email the required tax document to me. They have my contact information on file, and simply need to fulfill their fiduciary obligation to deliver a single page tax document.

• Initial Complaint

  Date:11/29/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  oo nov 29 2024 aa 515 pm i went to the bank to open accoout and waited a whole hour for the manger to keep walking by me a black person the only one in there then she she came and ask me if that my son i quess because he light skin and tnen she took my paper didnt ask for no id didnt take me in no office to me me paper hade to be verifed because it ***** fake than after ***********************************************************************************************

• Initial Complaint

  Date:10/28/2024

  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.

  McCoy Federal Credit Union failed to draft a car payment from my account even though it was authorized, and I received a confirmation email notifying me of the transaction. When I contacted McCoy about the issue they said the adjustment would be made on my credit report. However, Experian, and Transunion are still showing the late payment. I opened a dispute and McCoy once again, re-reported the incorrect information. I want McCoy to correct this issue as reported on June 2024. My nest step is litigation as this error has decreased my score by 40 points and is impacting my ability to secure competitive funding rates.

  Business Response

  Date: 10/31/2024

  Ms. ******* contacted the credit union and updates were done to the credit bureaus. Ms. ******* has been provided with the direct contact of the representative handling her request in the event that she needs further assistance.

• Initial Complaint

  Date:07/04/2024

  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.

  This business financed motor vehicle purchase in February 2016 with a term of 79 months. After approximately 30 months, the vehicle was involved in a MVA that resulted in a total loss. The responsible driver's insurer accepted liability and issued a lump sum payment for the *** of the vehicle. During the process of this claim and at all times prior, the account was current and all payments were timely made. I communicated with the business the circumstances of the total loss and the lump sum payment, and the fact that the loan carried gap insurance to cover the balance owed. At that time, I was advised that the lump sum payment would be (and was) applied to the loan balance in order to establish the amount of the claim. We also discussed additional payments and whether the gap insurance would reimburse payments made during the claim process. The representative led me to understand that no further action was required by me, only to cooperate with the claim and assist in getting the gap insurance proceeds applied to close out the loan. This ultimately happened and the loan was paid in full within ***** days. During this process, without my knowledge, the business began reporting delinquency in payments to all three credit bureaus. I learned of this approximately 2 months after the loan was satisfied, in February 2019. I attempted to resolve this with the business and they refused, claiming I allowed the account to fall into delinquency despite THEIR handling of the gap insurance claim. I disputed this with the credit bureaus and the business knowingly misrepresented the report as accurate. I have since tried multiple times to resolve this with the business. I have opened a complaint with NCUA CAC, and this business continues to refuse appropriate action given their handling of the insurance claim, and they continue to intentionally and maliciously report incorrect information to credit bureaus, which is causing severe impact to my financial standing.

  Business Response

  Date: 07/12/2024

  ******************** purchased gap coverage through the dealership at the time the vehicle was purchased. Upon notice of the total loss, McCoy tried several times without success to contact ******************** about filling his gap claim and to provide our assistance with any documents they may need. Eventually contact was made with ******************** and he began the process with his gap insurance. Our records indicate that at the time of contact, ******************** indicated that he was aware of the past due status of his account. The ********************** reporting reflects the manner in which the loan was paid. 

  Customer Answer

  Date: 07/12/2024

   
  Complaint: 21942704
  
  I am rejecting this response because:

  The information provided in response by McCoy is inaccurate and deliberately misrepresented. I did not initiate a gap insurance claim, MCCOY initiated the claim and represented to me that they were handling all matters of the claim. There were no "acknowledgements" of past due status, as the only communications regarding the status of payments was that the lump sum payment received by McCoy constituted MONTHS of payments and nearly the entire loan. Communications to McCoy regarding remaining payments were centered on concern over whether payment on the gap insurance claim, which was intended to cover all balances in the exact circumstance here (where a total loss was insufficient to satisfy the balance as of the date of the payment), would be reduced if I was required to continue making payments after lien on the title had been released. McCoy provided assurances that they were handling the loan. McCoy had no difficulty communicating and all requests for information were immediately addressed upon receipt. McCoy's handling of both the loan closeout and the gap insurance claim was grossly inept and their responses are insufficient. I fully expect this institution to take absolutely no responsibility and all prospective customers should be beware the complete lack of candor and honesty in their communications.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:05/09/2024

  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.

  I never purchased a car from McCoy Federal Credit Union. I provided significant evidence as to my identity, which differs from the identity information they have on file, excepting my ssn. They have refused to delete the item from my credit report. I believe they are using my race/ethnicity as a basis for discrimination and not taking my dispute seriously. I may fill a civil rights case against them.

  Business Response

  Date: 05/24/2024

  We have received several credit disputes from ************** through the credit bureaus, all of which have been reviewed and answered. Despite our responses, McCoy Federal Credit Union continues to receive these disputes regularly without any new information that supports his claims.
  
  Recently, ************** was in contact with our fraud team, who requested specific documents from him. We are currently awaiting the receipt of these documents to proceed further.

• Initial Complaint

  Date:04/30/2024

  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.

  I have been enrolled in e-statements for years and several times this bank has sent me statements charging me $3.00 in the process. I received another charge in April 2024 even though my credit card had a zero balance for months. I assume this was due to a new, updated card being sent. I called the bank several weeks ago but they haven't reimbursed me. I find this very unethical and wrong and sick of wasting money on statements that I do not want or asked for.

  Business Response

  Date: 05/15/2024

  Good morning,

  The fee was an error and has been refunded on the member's credit card

   

  Business Response

  Date: 05/15/2024

  Please see attached sent to the member.

   

• Initial Complaint

  Date:03/26/2024

  Type:Customer Service Issues
  Status:

  UnansweredMore 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 McCoy-issued debit card expires on 03/24. I called McCoy **************** prior to the expiration month to find out when my new card arrives so I can ease the transition from the old card to the new card, and I was advised that the new card would arrive in mid-March. My card has still not arrived.The **************** Representative I spoke with asked for my membership number. I provided it. Then he asked what I needed. I asked him, "Wouldn't you like to know who you are speaking to?" His answer was no. He did not explain or develop his response. I advised him I would call to speak to someone else.McCoy has limited customer contact to a single number that threads you to a **************** Center. After trying unsuccessfully to reach a person at my local branch and being re-routed to the same call center, I connected and asked for an Escalation Manager. I was connected to *****. I explained my concerns about my prior conversation, once I got past that I explained my debit card issue, and she transferred me to a card support representative. I went through the entire thing with the new person, and she advised that I needed to talk to my Branch to find out if they can issue me a debit card. Based on their answer, she could take next steps. I asked several times if that was information she could get for me, but no go.At the end of our conversation, I declined to have the representative do anything because the option offered were not helpful (Turn off my debit card and wait 7 to 10 business days for the replacement), and I want to explore the option of a different credit union. After I send this message, I will drive to the closest branch to see if they can issue me a new debit card. If they cannot, I will drive to the next nearest branch, then the next until I get a new debit card. My next step will be to look for another credit union which offers better customer service. This is not the ***************************************** that I have known and loved since 1985.

• Initial Complaint

  Date:03/11/2024

  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 a customer of Mc *** ********************************************* for 8 years. My account is always in good standing. I never have overdraft or asking for any fees to be waived. I usually keep large balance on my savings account but last year I lost my job then slowly my account balance depleted.This year things start going back to normal, I called the branch asking for a courtesy waiver of all the maintenance fees that I have been charged from Jan 2023 to March 2024. I politely explained the situation that caused my funds to be depleted. I got the run around from different agents telling me they can't go more than 60 days. I asked for an exception then asked to speak to a manager. A female manager called me back. After explaining her the situation she stated she will review the account and get back to me. Since one week has passed, no one followed up with me. I decided to call the branch again. I asked to speak to a manager then the male on the line stated his name was ****** and he was the call center manager. He was rude, he spoke over me, yelled at me because I insisted on having someone review the account for an exception. I mentioned that I didnt appreciate the type pf customer service hes providing me then finally he just hung up on me without resolving my issues.

  Business Response

  Date: 03/13/2024

  This complaint was resolved directly with the complainant by phone. We cannot share details due to privacy issues.  

  Customer Answer

  Date: 03/13/2024

   
  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.
  
  Sincerely,
  
  ********************************************

• Initial Complaint

  Date:02/11/2024

  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.

  Didnot authorize this inquiry

  Business Response

  Date: 02/20/2024

  Good afternoon,

  We received an application on January 12,2024 from a dealership named **************** ******* for an auto loan. This is the reason for the credit inquiry.