Complaints

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

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  Delta Community Credit Union

  3250 Riverwood Pkwy SE Atlanta, GA 30339-6419

  
• 

  Delta Community Credit Union

  3250 Riverwood Pkwy Se # 100 Atlanta, GA 30339-6420

  

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:04/02/2025

  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.

  On March 11 2025 after being told had til 4 2 25 could provide all evidence this bank NOT credit union false did deny for no reason given denied a dispute. I had paid a merchant with an account with them a d another institution a split payment. Same **** card process my other credit union. gave me my money timely this bank is refusing they did not try and help me EVER CONTACTED the merchant they BOTCHED the dispute giving false and conflicting information and time lines I feel they got the money and kept it.

  

  Business Response

  Date: 04/04/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Ms. ******** complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Ms. ******** concerns, our Senior Vice President of Branch Delivery and Operations, *** *****, personally reached out to her to discuss the matter and provide a detailed explanation of what occurred with her **** dispute case. Following an additional review, and as a gesture of goodwill, we have issued a permanent credit for the transaction in question.
  
  If Ms. ******* has additional questions or concerns, we would be happy to provide further assistance. She is welcome to call *** directly at ************.
  
  Sincerely,
  
  Delta Community Credit Union

• Initial Complaint

  Date:03/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to notify you of a fraudulent account that has been opened in my name with Delta Credit Union (Delta CCU). I am a victim of identity theft and did not authorize the creation of this account. Below are the details of the fraudulent ******************************** Name: Delta Credit Union (Delta CCU)Opened Date: 6/18/2014 Account Number: *************High **********************: $6,804.00 I respectfully request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the accounts closure and any related documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

  

  Business Response

  Date: 03/31/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Mr. ********* complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Mr. ********* concerns, our Senior Vice President of Branch Delivery and Operations, *** *****, personally researched the matter and attempted to contact Mr. ********* Unfortunately, the phone number and email address provided to the BBB appear to be invalid.
  
  We remain ready and willing to assist. Mr. ******** is welcome to contact *** directly at ************ at his convenience so we can work toward resolving this matter promptly.
  
  Sincerely,
  
  Delta Community Credit Union
  
  

• Initial Complaint

  Date:03/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a complaint with Delta through my **** credit card via the dispute email address that Delta credit community provides you. I also tried to attach a video which is my only proof of the dispute that I am trying to claim. While the video is successfully processed and received via email I am being told that they cannot utilize it on the actual case. I have gone up to four different branches and spoken on phone to at least 2 to 3 different people who have not been able to explain to me why they will not accept this video as proof, but are directing me to instead just screenshot the video. Without audio, the video will not make sense, as I am trying to show in real time whats happening that needs to be disputed. They have denied my claim for lack of evidence, despite the amount of times that my account shows have tried to provide them the only evidence that would make sense. Its unacceptable and its frankly outdated.. everything that transpires between merchants and customers is not solely in screenshot form. I would like the money thats owed to me as its being wrongfully denied of me under the basis of no evidence.

  

  Business Response

  Date: 03/25/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Ms. ******** complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Ms. ******** concerns, our Senior Vice President of Branch Delivery and Operations, *** *****, personally reached out to her to discuss the matter and provide a detailed explanation of what occurred with her **** dispute case. Following an additional review, and as a gesture of goodwill, we have issued a credit for the transaction in question.
  
  If Ms. ******* has additional questions or concerns, we would be happy to provide further assistance. She is welcome to call *** directly at ************.
  
  Sincerely,
  
  Delta Community Credit Union

• Initial Complaint

  Date:03/10/2025

  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.

  Complaint Against Delta Community Credit Union for Fraudulent Account and FCRA/FACTA Violations: On February 13, 2025, Delta Community Credit Union opened an account under my name without my authorization, despite the identity thief providing an incorrect address, incorrect driver's license/ID, and an incorrect driver's license/ID number. This account was fraudulently opened in violation of multiple consumer protection laws. I have contacted Delta Community Credit Union twice to notify them of this fraudulent activity. However, they refused to connect me to their fraud department or take any corrective action. Their failure to act constitutes a blatant and negligent violation of: 1. The Fair Credit Reporting Act (FCRA) 2. The Fair and Accurate Credit Transactions Act (FACTA) Red Flags Rule To address this issue, I have taken the following steps: 1. Filed an FTC Identity Theft Report 2. Filed a police report 3. Initiated a dispute with the credit bureaus Despite these efforts, Delta Community Credit Union has failed to take appropriate action and has not acknowledged the fraud. I am formally demanding that Delta Community Credit Union: 1. Immediately cease all collection and reporting activity on this fraudulent account. 2. Conduct a proper fraud investigation and acknowledge the unauthorized nature of the account.3. Ensure the fraudulent account is removed from my credit report.Delta Community Credit Union is hereby put on notice that any attempt to "rubber stamp" this fraudulent account as valid during the dispute process will be considered further bad faith conduct, which will warrant additional legal and regulatory action. I expect an immediate resolution to this matter. Failure to act appropriately will result in legal action under FCRA provisions and pursuit of damages to the full extent of the law.

  

  Business Response

  Date: 03/19/2025

  Dear Better Business Bureau,
  
  Thank you for allowing Delta Community the opportunity to respond to Mr. ******** complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a comprehensive review of Mr. ******** concerns, our VP of ***************** ****** *******, personally reached out by phone to apologize for the less-than-ideal experience and provide a clear explanation of our actions. Mr. ******* appeared receptive to the call and expressed appreciation for the resolution.
  
  If Mr. ******* has any additional questions or requires further assistance, we would be happy to help.
  He is welcome to call ****** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  
  Delta Community Credit Union
  

  Customer Answer

  Date: 03/19/2025

   
  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. Moreover, Delta Community Credit Union has been amazing in their responsiveness and effort to find a resolution. After, discussing the details of the case, I have no complaints about their practices. If possible, please retract my complaint, or refrain from making it public online.
  
  Sincerely,
  
  ****** *******

• Initial Complaint

  Date:02/23/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I requested they provide the credit i received from a company back to my card and they keep closing saying i never received a credit and is refusing to research. I was not provided a case number of the missing credit or anywhere to upload any evidence. Here is what I received from Afterpay. I was provided a credit on 2/4/25 and 2/7/2025 via Afterpay and it was never processed via ************************* card used 6580 waws replaced during the transmission of the credit so I never received it. Delta keeps telling me I received no credit and refuses to research and I was provided a credit. The csrs are unhelpful and keep closing my case without proper research. I advised them I was provided a credit. I have advised them that the original charge was on 1/31/2025 from afterpay, however, afterpay refunded me and Delta has not. They keep closing my case and not refunding me and that is illegal. Delta does not allow me to provide evidence and did not even provide me a case number.

  

  Business Response

  Date: 03/03/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Ms. ******** complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a comprehensive review of Ms. ******** concerns, our Senior Vice President of Branch Delivery and Operations, *** *****, personally attempted to contact her by phone. *** remains available to speak with her at her earliest convenience.
  
  Furthermore, as a courtesy, we have issued a provisional credit to Ms. ******* while **** investigates her dispute. It is important to note **** requires financial institutions and merchants to adhere to its arbitration rules for disputes in order to participate in the network. **** makes the final determination on dispute cases based on the documentation submitted,and financial institutions and merchants are bound by its decision.   
  
  If Ms. ******* has additional questions or concerns, we would be happy to provide further assistance. She is welcome to call *** directly at ************.
  
  Sincerely,
  
  Delta Community Credit Union
  
  

• Initial Complaint

  Date:02/23/2025

  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 was in the process of transferring jobs in October and I was calling them numerous of times to get a hardship application. I had a charge off bank account with them from loosing my job and the lady calling me about my payments was telling me I couldnt get help because I had a charged off checking account its nothing they can do. Well I ended up speaking to the resolution department and they stated thats not true. You are able to get a hardship considered if I paid the checking account. Now I had 3 30 day late payments on my credit due to this incident called the bank spoke to multiple managers and they did take two thirty days off but not the first one from the month I was calling about it. Then once they resolved that they gave the SAME lady who told me I couldnt get any help and the reason I got the late payments my account again to call me about my account. Im filing a complaint because I asked them to NOT give me that lady anymore and I deserved all the late payments to be removed due to me going through the hardship and the manager said he wasnt able to do that.

  

  Business Response

  Date: 02/26/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Ms. ****** complaint.We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Ms.****** concerns, our Vice President of Loan Performance and Analytics, ******** *******, personally contacted Ms. ***** to address the issues raised in her complaint and successfully resolved the matter. As a courtesy, we adjusted two of the reported late payments.
  
  If Ms. ***** has additional questions or concerns, we would be happy to provide further assistance. She is welcome to call ******** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  
  Delta Community Credit Union

  Customer Answer

  Date: 02/26/2025

   
  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:02/21/2025

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Deposited a check from the ********************** for the amount of $25,887.79. It was deposited on 2/12/25 and cleared the bank (delta credit community union) placed my check in reclamation (reclaims) with out any notice or reason given to me on 2/14/25. I have called the ********************** and they state " they do not have any records stating for a reclaim" i have contacted delta credit community union several times and loss prevention "states they got a notice that the money is being reclaimed" . When i asked for noticed they received to be sent sent to me, i was told the email was confidential and they do not have it. I have not been given a reason as to why my check was reclaimed after the bank verified it for authentication. i have the receipt that states so. I have called both companies several times one after the other and its not adding up. Delta credit community union claims they dont have a reason as to why the money was reclaimed. or even showing me proof that they got a notice. i have my email contacted fro notices and i received none.I have contacted the **** of Treasury and the *** they have no notice of issuing a reclaim of the check. The bank is not giving me any information and asking to verify my taxes which is not needed.

  

  Business Response

  Date: 02/24/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Mr. ******** complaint.We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Mr.******** concerns, our Vice President of ***************** ****** *******, personally contacted Mr. ******* to address the issues raised in his complaint and successfully resolved the matter.
  
  If Mr. ******* has additional questions or concerns, we would be happy to provide further assistance. He is welcome to call ****** directly at ************. Unless noted to the contrary,we consider this matter closed.
  
  Sincerely,
  
  Delta Community Credit Union

• Initial Complaint

  Date:02/03/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Froze my checking account on 1/8/25 with out proper notice that I was being frozen or becoming frozen due to a missed payment. Put debit card as stolen. Proceeded to force a payment from me of 67 dollars to unfreeze my account. Wouldn't let me access my money until I paid 67 dollars. Definitely had lack of notice and definitely didn't need to be treated like a criminal over 67 dollars. I've had several others warn me about this bank and it's attempts to collect on late payments.

  

  Business Response

  Date: 02/05/2025

  Dear Better Business Bureau,
  

  Thank you for providing Delta Community the opportunity to respond to Mr. ******* complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  

  After a thorough review of Mr. ******* concerns, our Senior Vice President of Branch Delivery and Operations, *** *****, reached out to him to address the issues noted in his complaint. Unfortunately, we have been unable to connect with him directly and had to leave a voice message.
  

  Our records indicate that on January 8, Mr. ****** contacted the Credit Union and was transferred to a representative, where verbal authorization was provided to process a payment. We spoke with him then, restored service and acknowledged his frustration over how the overdue payment was handled.
  

  We sincerely apologize for any inconvenience this situation may have caused. If ********* has additional questions or concerns, we would be happy to provide further explanation or assistance. He is welcome to call *** directly at ************. Unless noted to the contrary, we consider this matter closed.
  

  Sincerely,
  Delta Community Credit Union

• Initial Complaint

  Date:01/22/2025

  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 filled out a partial application online for a refinance loan with Delta Community Credit Union. I didnt even submit the form as complete, and *** been getting spam calls from mortgage companies EVERY 3 min!!! Since Friday, Ive received HUNDREDS of calls NON STOP. They must have gave my phone number data away which is unacceptable.

  

  Business Response

  Date: 01/23/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Ms. ****** complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Ms. ****** concerns, our Vice President of Residential Lending, ***** *****, reached out to her to address the issues noted in her complaint. Unfortunately, we were unable to connect with her directly and had to leave a voice message.
  
  Our records indicate that Ms. ***** initiated a loan application but did not complete it. However, she did proceed far enough through the process to authorize a credit inquiry. As is standard practice among mortgage lenders and financial institutions, credit bureaus may notify other entities when a credit report is pulled for a mortgage-related purpose. Delta Community cannot prevent credit bureaus or other institutions from engaging in such practices. Members have the option to opt out of this activity directly with the credit bureaus.Information on how to do so is available on Delta Communitys website.Specifically, we provide details explaining that completing a loan application or authorizing Delta Community to obtain a credit report may result in firm offers (calls, emails, or texts) from competing lenders. Unfortunately, these offers are beyond Delta Communitys control, as credit bureaus may sell information related to loan inquiries to competing lenders.
  
  We sincerely apologize for any inconvenience this situation may have caused. If Ms. ***** has additional questions or concerns, we would be happy to provide further explanation or assistance. She is welcome to call ***** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  
  Delta Community Credit Union

• Initial Complaint

  Date:01/03/2025

  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.

  On January 2, 2025 I attempted to mobile deposit a check. The deposit was rejected on January 3, 2025 and it was request I go to a local branch to deposit. I then went to the local branch drive drive up and waited approximately 5-10 minutes after sending the check before being acknowledged, and told please wait the employee was working with another customer. Eventually, the employee told me I would have to complete a deposit slip or come into the branch.I elected to go into the branch. Where I was told they would not accept the check because it had both my name and my wife's name on it. Since her name was on it she would have to be present and sign a waiver of liability. Having never run into a situation like this, and having deposited a check two weeks prior with both names on it, I asked for clarification , but was just told it was their policy.I then contacted the corporate office to confirm if this was Delta Community's Policy. I was told yes. I then requested a copy of the policy or policy number. The employee was not able to provide a policy or policy number. Instead she had me look up on the website a policy in regards to cashing third party checks. I advised her that the policy did not mention deposits, and appeared to be for endorsed over checks. The employee was unable to provide any information for the policy other than it took effect on July 18, 2024.Note: Both this check and the previous check was for an insurance claim. The first was for property damage which included me, my wife, and my mortgage company. This was for the same claim but for personal property damage made out to just me and my wife. Took the check to Truist and deposited it into my wife's account. I find it outrageous that one they do not accept deposits with additional payees when it is endorsed. Second that no one can find this policy, even though I was able to deposit a check of much greater value two weeks prior.

  

  Business Response

  Date: 01/06/2025

  Dear Better Business Bureau,
  
  Thank you for providing Delta Community the opportunity to respond to Mr. ****** complaint. We are deeply committed to delivering responsive, thoughtful service and ensuring that every individuals needs are considered alongside the collective interests of our entire membership.
  
  After a thorough review of Mr. ****** concerns, **** ********, VP of Branch Delivery, reached out to ******** to address the issue noted in his complaint. We clarified the inconsistency and explained why we were unable to accept the most recent check deposit. Mr. ***** appeared to appreciate the call and the detailed explanation of the matter.
  
  We thank you for allowing us to respond to Mr. ****** concerns. Should Mr. ***** wish to discuss this further, he can reach **** directly at ************. Unless noted to the contrary, we consider this matter closed.
  
  Sincerely,
  
  Delta Community Credit Union

  Customer Answer

  Date: 01/07/2025

   
  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,
  
  ******* *****