Business Profile

Credit Union

Dade County Federal Credit Union

Complaints

This profile includes complaints for Dade County Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

Customer Complaints Summary

22 total complaints in the last 3 years.
9 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

Initial Complaint
Date:04/11/2025
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.
Hello, i was checking my credit report and noticed that i have a credit inquiry from Dade County Credit Union and i do not recall making a credit inquiry to Dade County Credit Union. I only bank with navy federal credit union. I believe this was a fraudulent inquiry. What can we do to get this issue resolved?
Business Response
Date: 04/24/2025

We apologize for your experience. At Dade County Federal Credit Union, we are committed to providing excellent service to our members. ************** team has reached out to address your concerns-please refer to the enclosed letter for details. We appreciate your feedback and the opportunity to assist you.
Initial Complaint
Date:03/04/2025
Type:Product 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.
The nature of this dispute of refund of *** transactions, *** global that I have no affiliating with this company. ******* the ***** customer *** insinuating that I close my account. My intuition that she is trying to cover up inward fraud transaction. She was insubordinate to me refusing a new account. On Saturday, January 18 202, I discuss the situation with another customer *** and she reveal that the company is out business. When I called 1 week before the number was busy signal.. there fore , I have not been refund the second NSF fee ******** of ****** checking account was manually change to negative status by ***** the ***** collection.department. He has been manually removing monies from account . For loan payment . My loan payments was set automatic payment from my savings. However ***** would manually remove money from my checking and savings to without my authorization I made a complaint to supervisor. No action has been taken. His action as if I want pay on my loan. I have been with the bank for 35 years. Have paid in full several loans even with payroll status of furlough. Ask to remove the restriction and stop taken action in his own matter.
Business Response
Date: 03/11/2025

We apologize for your experience. At Dade County Federal Credit Union, we are committed to providing excellent service to our members. Our management team has reached out to address your concerns-please refer to the enclosed letter for details. We appreciate your feedback and the opportunity to assist you.
Customer Answer
Date: 03/26/2025

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:01/22/2025
Type:Product 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.
On Sunday, December 29, 2024, at 3:51 PM, I deposited ****** dollars ( 25 X ***** bills) in the *** at ************************************ location. I received an error message stating "We're Sorry; we cannot process your request and cannot return your cash". Please contact yourfinancial institution". I contacted the branch personnelthe next day. I was advised the issue would be resolved, and my money would be creditedimmediately. The Investigative Team finally contacted me on the 3rd of January requesting more details about the situation. Once more I supplied the pictures from the atm screen and the receipt that was generated. I was advised after an investigation iscompleted, I would receive mymoney by January 16, 2025. Iobtained a Police ***ort and the store's video of my *** interaction. I noticed a $280.00 credit was issued on January 14, 2025.I submitted a Yelp review and was invited to meet ***** ********* theInvestigative team manager. I met with him on 01/15/2025 in theafternoon. He advised me to be patient. Finally,I contacted thebank today 01/22/2025 to inquire about the remaining amount of the $******,I was advised theinvestigation was concluded and I was not going to receive the outstanding balance. I inquired what is the reason. The *** on the phone stated per his system notes, they could not locate the balance of my funds. I have never heard of a related situation. Please help.
Customer Answer
Date: 01/24/2025
Thank you immensely for your assistance. I received my $220., in less than 24 hours when you're organization contacted Dade County Federal Credit Union... Thank you again. I am forever grateful.... ******* B
Initial Complaint
Date:01/06/2025
Type:Product 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 would greatly appreciate your prompt attention to this matter and hope to receive a clear explanation of how my payments and interest charges are being handled. If there has been an error in processing my payments, I kindly request that it be rectified. Please feel free to contact me at ************ or by email at ***************** if further information is needed or to discuss this issue in more detail.Thank you for your assistance and understanding. I look forward to your prompt response.
Business Response
Date: 01/17/2025
Good morning,
Attached is the response to complaint #********.

Thank you,
Customer Answer
Date: 01/29/2025

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:12/30/2024
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.
Yes this is like my 4th time coming into Dade County Federal Credit Union i have been trying to close my account down i was told that i have to wait 6 months to completely close it they lied saying that they had giving me paperwork stating it now they are holding $5.78 from me i would like to sue or take these credit union court i feel like they are discriminating against me they have been giving me a very hard time in there in there who do i go to file a complaint against Dade county federal credit union in homestead they also stated that if i wants it close now that i would have to pay $25 Im sick of that credit union can somebody please help me they closed the checking account but not my savings account they said that i have to wait 6 months i wants its close down now and or i will sue that company
Business Response
Date: 01/10/2025
Good morning,
Attached please find response to complaint ID #********.

Thank you,
Initial Complaint
Date:11/12/2024
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 the debt with DADE COUNTY FCU. I have no contractual agreement with DADE COUNTY FCU, and they have not provided the original agreement as I requested.
Business Response
Date: 11/19/2024
Good morning,
Attached is the response to complaint #******* ****** ******
Thank you,
Business Response
Date: 11/19/2024

Good afternoon,

Please see response attached.
Initial Complaint
Date:06/25/2024
Type:Service or Repair 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 an account with DCFCU on JUNE 7 i had 4 withdrawals from my account from ******* that i didnt make, the credit union charged me $29 four times for those transactions, i called them on June 8th and they told me I had me to do a stop payment which they charged me $15 to do that, and told me it will take 90 days, well on June 11th the money was put back into my account from ******* but the four $29 transactions wasnt put back so I called them on june 12th the guy told me he sent the fraud **** an email and it would take 24 hrs well 48 hrs nothing happened i called on june 14th and was told the email was never sent so the Rep sent an email and said 24hrs well called back on the 18th still nothing was done that Rep did another email, the 19th was a holiday so i called back on the 20th another email sent, still nothing. called back on the 21st asked for a supervisor was told the supervisor ****** was in a meeting but was aware of the situation and it would be handled by the end of the day, still nothing. i called back on Monday the 24th i was told that ****** approved the transactions and they spoke with the department that handles that and it will be back in your account by 6pm, if not to call us back in the morning of 6/25, called still saying i sent an email give it 24 hrs, well Im over it, this is the worst bank ive ever dealt with in my life, i will be closing my account asap once this is handled.
Business Response
Date: 07/03/2024
Good afternoon,
Attached is the response to complaint #********

Customer Answer
Date: 07/08/2024

Complaint: 21903050

I am rejecting this response because:

The bank was suppose to return four $29 transactions which totals $116, the bank only returned three which totaled $87 and then took it right back and put it into my regular share account that was overdrawn $87 and left a message on my voicemail saying they put it in my regular share because that was initially where it came from which is not true, it came from my checking which the statement clearly shows that, I will attach the document showing that, and also the voicemail that was left by someone name **** stating it came from my regular share (not true). So i will like my $116 back into my checking where it was originally taken from.
Sincerely,

*************************
:See Attachment
Business Response
Date: 07/18/2024
Good morning,
Attached please find our response to the referenced complaint. Thank you.
Customer Answer
Date: 07/19/2024

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:05/24/2024
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.
********** Federal Credit Union open a secure credit card account with out my acknowledgement. It start from a secure credit account, I believe from 2020-2022 which I close. I close the account because of identity theft. At the time of the dispute they claim it take 90 days for a dispute to be complete with no credit payment in my account. I agreed to wait for the completion of the dispute. I experience terrible financial hardship during those period. On 5/23/************* Federal Credit Union didn't communicate with me regarding the discharges and proceeded to add charges of $838.10 from a close secure account ********************** account to now overdraft checking account with more then a year on a dispute that was originally completed to my account with out my acknowledgement. 18 U.S. Code 894 - Collection of extensions of credit by extortionate means c)In any prosecution under this section, if evidence has been introduced tending to show the existence, at the time the extension of credit in question was made, of the circumstances described in section 892(b)(1) or the circumstances described in section 892(b)(2), and direct evidence of the actual belief of the debtor as to the creditors collection practices is not available, then for the purpose of showing that words or other means of communication, shown to have been employed as a means of collection, in fact carried an express or implicit threat, the court may in its discretion allow evidence to be introduced tending to show the reputation of the defendant in any community of which the person against whom the alleged threat was made was a member at the time of the collection or attempt at collection.
Business Response
Date: 06/07/2024
Good afternoon,
Attached please find response to complaint.

Customer Answer
Date: 06/10/2024

Complaint: 21756251

I am rejecting this response because: All Banks must process lawful United States currency. Failure to do so is "interference with commerce", a felony under the **** ACT, 18 USC 1951. If you believe you have a lawful reason to "Dishonor" this negotiable instrument you must return it to the Agent above wi.th, )awful reason(s) fully stated and cited. Failure to provide lawful reason(s), or to misdirect this instrument, is grounds for a complaint to the *** under the ***** (Fair Debt Collection Practices Act), 15 USC 1692al. It is your duty to honor this instrument for payment, to know, abide by and operate under the law. 18 USC 8 applies.Commercial instruments are legal tender for the payment of debt in accordance with 31 USC 5118 and other statutes/code. Failure to process and credit the intended account will result in a request of the ************************ [to investigate and audit the accounts balance sheet,?] and file IRS Form 3949A Information referral to the *** ********************************* of the IRS.

Sincerely,

***** ******
Business Response
Date: 06/11/2024
Dear ****************,
We are in receipt of your response to the Better Business Bureau dated June 11, 2024, in reference to your Credit Card with Dade County Federal Credit Union. As previously stated, the Credit Union has followed all regulatory requirements pertaining to your Credit Card. Therefore, we consider this matter resolved.
Should you require any additional clarification or assistance, please do not hesitate to contact us at **************.
Sincerely,

*******************
Vice President of Internal Audit
Initial Complaint
Date:02/08/2024
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.
On or around October 2023, I filed a report with the fraud department about a car scam that I sent the deposit to someone at the time not knowing it was a scam. I showed pictures of the communication to and from the person. 300 was send out of my account. I was told it takes up to 90 days to resolve the issue and that I would be refunded my money. I called to check on the status and every time I called I was transferred around and the person transferred to Gad ni idea what I was calling about. I had to keep repeating myself about the situation and again still got transferred around. Until this day I am still waiting on a supervisor to return my call I have spoken with 6 different people and everyone has a different excuse as to why Im still waiting. I recently called back to the bank because it has been well over 3 months just to be told they have no record of what Im talking about. I asked to speak with a supervisor and Im still waiting. No call back from anyone about this matter. No one seems to be able to tell me whats going on. Every time i call theres always a long wait and then the person comes on the phone to transfer me to someone else. The last person I spoke with said a supervisor will call back. This bank is the worst bank I have ever dealt with and as soon as this matter is taken care of I will be closing the account. I do not recommend any one to waste their time and bank with this credit union. the staff are very unprofessional and act like they dont know how to handle these type of situations.
Business Response
Date: 02/16/2024
Please see attached.
Initial Complaint
Date:01/16/2024
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 utilize this institution for deposit accounts and a credit account. I previously submitted documentation to them through **** and digitally asking them to update the name on my accounts due to a legal name change due to marriage. After multiple attempts, I had to call the institution and sit on hold for an excessive amount of time, just to be told that she was incapable of helping and had to wait for a supervisor to call. It was discovered at that time that the person assisting with the update just simply didn't finish the task. This representative was contacted and it was updated on the deposit accounts. So that part is done, but I don't utilize the accounts there as my primary deposit accounts so that is relatively unimportant. I received a credit statement today addressed to the former name. When I attempted to send a digital message, the credit union had blocked me because they do shady things like this to prevent paper trails of their incompetence. I then utilized the chat feature and was told I had to call. When I called, since it was credit, I was transferred to their *********** who informed me that they had indeed not updated the name on the credit account and that she was unable to assist me. She attempted to contact the credit union with me to resolve the issue, but with the excessive hold times (30+ minutes), she was unable. She noted that we had the conversation and I informed her that I would reach out to the credit union through the utilization of the BBB since they are unable to act appropriately without guidance. The desired resolution is to properly update the credit account with the accurate name and to issue a new card with the correct name.
Business Response
Date: 01/25/2024
Good morning, attached is the response for complaint #********
Customer Answer
Date: 01/26/2024

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.
******* talked to me on the phone and said everything was resolved. I appreciate her time and work in resolving the issue. She is the most pleasant person Ive spoken to at the credit union in a long time. I was also happy to hear that they are making internal improvements. Please keep me updated. I would like to consider going back to DCFCU for my deposit account needs in the future now that I know theyre making changes.
Thank you again for the help!

Sincerely,

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

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Dade County Federal Credit Union is BBB Accredited.