Complaints

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

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  FORUM Credit Union

  11313 USA Pkwy Fishers, IN 46037-9208

• 

  FORUM Credit Union

  2259 E 116th St Carmel, IN 46032-3279

• 

  FORUM Credit Union

  8935 US 31 S Indianapolis, IN 46227-6255

• 

  FORUM Credit Union

  5210 E Southport Rd Indianapolis, IN 46237-9335

• 

  FORUM Credit Union

  5760 Sunnyside Rd Indianapolis, IN 46235-9705

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:03/06/2025

  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 have no late payments on my account and ********************** ********************** called my adult son at work and asked him to have his parents call them reference their Forum Collections account! I thought we had been hacked. I spoke with a representative who verified we have no late payments. You do not have my permission to EVER speak with anyone but the signors on my loan docs about my finances even though you were completely in the wrong here. We have perfect credit and never paid a bill 30 days late in our life! This experience has me wanting to leave Forum. Do better!

  

  Business Response

  Date: 03/07/2025

  FORUM spoke to *** ***** Thursday, March 6 and resolved the complaint. Another message was left for *** March 7, to ensure all her concerns and questions have been answered. The son's phone number was the one listed on the account, which is why this number was called. FORUM was not trying to contact the son, just calling the number listed on the account. This number has now been removed from the account. 

• Initial Complaint

  Date:12/09/2024

  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.

  12/6/24 I attempted to make a double payment on my auto loan that was slightly over 30 days late. Forum refused our payment and would only take a payment to pay off the auto loan. I went in to a local branch to discuss sign a manager. Even the manager was confused has to how they could be demanding full payment to pay off the loan while the only payments due were November and December. Ive had my vehicle almost 3 years. Why would l not want my vehicle. Financial hardships happen and sometimes payments have to be made late. In fact it may happen often that payments are late. But if we pay our late fees, there should be no way a vehicle can be repossessed after being just 30 days late. **** the agent told me it was funny that I was calling since they had been trying to get a hold of me for 30 days. Why does that matter if I am only 30 days late? Is this not illegal? Are is forum so hard to deal with? I want my car.

  

  Business Response

  Date: 12/17/2024

  Ms. ******* was contacted by a FORUM Representative and issue has been resolved.

• Initial Complaint

  Date:08/30/2024

  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.

  I was 30 days late on my car loan with forum, went on the phone with someone a couple of weeks ago & told them they were going to get there ********* was on hard times. My car ended up getting repoed today even though I dont have any missed payments besides this payments thats 30 days late that was going to get paid today

  

  Business Response

  Date: 09/03/2024

  ******************' car was assigned for repossession on August ****** when ****************** was two payments past due for June and July bills. ****************** advised FORUM that he would pay on 7/12/2024.  ****************** did not return any messages during this time.  The vehicle was repossessed on 8/30/2024. ****************** called FORUM on 8/31/2024 and FORUM advised ****************** that he has until 9/9/24 to pay the total amount due plus fees to redeem the vehicle.  ****************** advised he would call back by noon to pay, yet FORUM did not receive a call back.
  
  FORUM will attempt to reach ****************** on 9/3/2024.

• Initial Complaint

  Date:08/08/2024

  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.

  Forum credit union is refusing to except my auto loan payment so I become default and now they are trying to repossess an auto loan stating that night why the credit with them is behind on payments. Neither alone is cross collateralize and what they are doing is illegal. I am now having to seek out legal representation to file a law suit

  

  Business Response

  Date: 08/27/2024

  Thank you for sharing this information. FORUM is dedicated to serving our members and helping them live their financial dreams. I have shared this complaint with the leader of our Collections team to gather information on the details of this situation so we can come to resolution. 

  

  Business Response

  Date: 08/27/2024

  ************** was in default on the auto on 7/1/2024.  The auto was assigned for repossession.  **************  cured the default and the repossession order has been closed.  ************** was in default on the credit card 4/29/24 and cured the default on 8/16/24.  ************** is currently in default on the credit card as of 8/26/24.  

• Initial Complaint

  Date:03/15/2024

  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 got behind on my car loan due to job loss of covid 19 which put me 60 days behind I let forum know REFUSED to work with me reposed my car. I was able to get a car loan from another company in which secured funds were sent to fourm credit union. I went to apply for a credit card was denied because FORUM credit union is refusing to report to the credit **** that my car loan is pay in full and i do not owe any money to them they have it only showing that im 60 days behind and NOT PAID IN FULL i spoke to *** in collections. Department and some rude disrespectful agent in the credit department who told me they will NOT report to the credit company's that my loan is paid in full she said that they refuse to let the credit company know i currently closed on my account and paid in full that they are only leavening the negative **** on my credit. I had to call years later to personally get my letter of pay off becuse they refused and never sent the letter of pay off to my home address im filing a claim because forum credit union is not correctly sateing on my credit report i paid them in full so either they report it correctly or remove the negative **** affecting my credit.

  

  Business Response

  Date: 03/19/2024

  FORUM is reporting the members loan correctly. All 4 credit bureaus show the loan paid in full with a 60 days late payment which is accurate.  The member thinks the 60 days late payment should be removed from his credit history because he paid the loan off. 
  

• Initial Complaint

  Date:03/01/2024

  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.

  After admittedly making several late payments on an auto loan. Forum credit union is calling the total amount of the loan due. My payments may have been late but always paid the payment and late fee. When I called I was told I could reinstate the loan with $5,000 deposit. I offered several other options, automatic bill pay for the duration bigger late fee I could even make a $1,000 deposit or but I dont have $5,000. Ive never experienced such disrespect in my life. Its never been repod its never been more than 30 days late. Ive always made the payment and now they want half of what is owed or the full amount.

  

  Business Response

  Date: 03/05/2024

  FORUM Credit Union contacted the member to discuss his complaint.  FORUM Credit Union made arrangements with the member that were acceptable to the member and FORUM.  The member is satisfied with these new arrangements and will continue making his normal payments. 

• Initial Complaint

  Date:02/10/2024

  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.

  Domestic violence? Identity theft concerns? It is not safe to bank with you. --------- Why? At the time I opened an account, less than a month ago, I provided a mailing address and stressed how important it was that mail ONLY go to my mailing address. The first letter I get... to my home address. To try to fix the problem, my local branch sought permission (and I was told received permission) to remove my home address from the system so mail - whether sent by an individual (the first letter was sent out by an individual) or as an ***************** - would go to my mailing address as there would be no other option available. I understood that this had been done, yet 2 out of the next 3 pieces of mail went to my home address; all of them appeared to be automated mailings and all of them related to my address being "updated". One of those sent to my home is actually backdated to the date I opened my account which is disturbing as, to the best of my knowledge, the only address "update" would have been the removal of my home address which occurred several days after my account was opened. The other 2 mailings, one to my home and one to the mailing address, reflect the later date. --------- Everyone I've spoken to has been courteous, the interest rates are good, and the fee schedule is not designed to nickel and dime members. But until you have staff and an automated system that mails ONLY to mailing addresses, it is not safe for anyone to do business with you. --------- (It is unknown where my statements are going as I have yet to receive one.)

  

  Business Response

  Date: 02/14/2024

  ******************************** opened a FORUM membership account on January ********* providing both a physical address and post office box address on a new membership application.On the same day, the member spoke with a FORUM branch employee to request temporary counter checks be printed and to include the post office box address on the checks. Due to a system default, temporary checks ordered by a FORUM employee will only populate the physical address.  To accommodate the members request, the branch employee temporarily changed the physical address to the post office box, and then immediately converted back to the actual physical address after the checks were printed.  Multiple address changes conducted on the same day initiated automated system notices to the physical address.  This occurs for security purposes when a preferred mailing address is updated. At this time the primary address on record for all mailings is the post office box as requested by the member. The member will receive their first statement for January **** at this address.  On February 13th,a FORUM branch employee called and left a message for the member indicating their desired settlement has been achieved. The FORUM employee provided their direct phone number to contact for any questions or if additional assistance is needed. 

  Customer Answer

  Date: 02/25/2024

  The BBB letter arrived in my POB on Feb 23 or 24 so I missed the 7 day response time; I absolutely do wish to respond and hope you will not hold a mail delay against me.
  
  Both in the response through the BBB, and with the employee who followed up with me (at least initially), the focus is on what happened with MY account and zero comprehension that the issue is with how the system and the employees handle ALL accounts. ------- The issue is that, if there is a mailing address, mail MUST go to the mailing address or Forum members are put at risk. Why at risk? For any of a variety of reasons: a home mailbox that is unsecured (easy theft), domestic violence (beaten or killed), unreliable roommates (theft again), etc. ------- In my conversation with the Forum rep who spoke to me about my BBB complaint, it seemed he was starting to grasp my point of: this is a system (also training) issue, not an issue with my account. ------- While having one person start to understand is a beginning, just consider Forums response through the BBB: they acknowledge that, from the start of our relationship, they had my mailing address (POB), yet according to them, their system is set up to automatically send notices to the PHYSICAL address under certain conditions. The line This occurs for security purposes when a preferred mailing address is updated. even seems to indicated that my physical address is viewed as a preferred mailing address as that was the address that was updated for the check situation. For the safety of all members who do not have a perfect life: mail must ONLY go to a mailing address. To accomplish this Forum needs to grasp the issue, change systems, and train staff. ------- My head truly hurts at the notion that a professional institution does not understand that, if a client has a designated mailing address, to send mail anywhere but to that mailing address is not only inappropriate but UNSAFE.

  Customer Answer

  Date: 02/26/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.]

  Both in the response through the BBB, and with the employee who followed up with me (at least initially), the focus is on what happened with MY account and zero comprehension that the issue is with how the system and the employees handle ALL accounts. ------- The issue is that, if there is a mailing address, mail MUST go to the mailing address or Forum members are put at risk. Why at risk? For any of a variety of reasons: a home mailbox that is unsecured (easy theft), domestic violence (beaten or killed), unreliable roommates (theft again), etc. ------- In my conversation with the Forum rep who spoke to me about my BBB complaint, it seemed he was starting to grasp my point of: this is a system (also training) issue, not an issue with my account. ------- While having one person start to understand is a beginning, just consider Forums response through the BBB: they acknowledge that, from the start of our relationship, they had my mailing address (POB), yet according to them, their system is set up to automatically send notices to the PHYSICAL address under certain conditions. The line This occurs for security purposes when a preferred mailing address is updated. even seems to indicated that my physical address is viewed as a preferred mailing address as that was the address that was updated for the check situation. For the safety of all members who do not have a perfect life: mail must ONLY go to a mailing address. To accomplish this Forum needs to grasp the issue, change systems, and train staff. ------- My head truly hurts at the notion that a professional institution does not understand that, if a client has a designated mailing address, to send mail anywhere but to that mailing address is not only inappropriate but UNSAFE.
  
  Regards,
  
  ********************************

  
  

• Initial Complaint

  Date:04/17/2023

  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.

  Hello, after regrettably funding a new car loan with Forum since it was the only option on a Saturday and someone else coming to look at the car Monday I went ahead with the loan through Forum knowing I would refinance. After a month I reached out to Forum to see what the payoff would be and if there would be any charge they stated to me directly no. Elements is who I refinanced with and sent Forum a check for $19578.71 which was the payoff both elements and I was told. Once elements sent payment Forum told them they are refusing to release title to them. All documentation I was provided says no early payoff fee nor any taxable charges as it was included in the loan. Min d you, I have had very little contact with Forum other than to get the payoff and make sure they received payment. This has caused issues with both myself and elements trying to move forward with my new loan.

  

  Business Response

  Date: 04/19/2023

  ************************* financed $19,578.71 to purchase a 2018 ****** Altima. The loan funded on February 27th, 2023. On April 10th,2023, FORUM received $19,578.71 from ******************* This amount matched the amount financed on the loan. No payments were made between the loan funding and April 10th. In the time between the loan funding and April 10th,FORUM is not able to find record of any communication between FORUM and ************************* to or from the phone number of record. Nor can FORUM find record of communication between FORUM and ****************** regarding this matter prior to the funds received intended to payoff the loan. FORUMs records do not show that a written payoff was issued. FORUM also does not show any record that a verbal payoff was communicated regarding this loan. From February 27th to April 10th $192.12 of interested accrued on the loan. That amount remains owed as the amount received from ****************** only covered the principal amount borrowed and no interest on the loan. FORUM contacted Elements to advise that we were not able to release the title to them until the full amount owed has been received. Additional follow-up has also occurred. The $192.12 still needs to be paid to resolve the title release on this matter. 

  Customer Answer

  Date: 04/20/2023

  Better Business Bureau:
  
  I have reviewed the ******** made by the business in reference to complaint ID ********, and have determined the ******** would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.] The ******** made by the Forum rep was by no means appropriate in any form. They said they seen nothing as far as my phone number yet never asked once what my thoughts were, when I called, why was I calling when I did, etc. It was a rude ******** and basically no acknowledgment of anything other than trying to say I'm a liar which isn't the case. How would I have known there was no payoff fee if I had not called? I have not received any contract so I cannot refer to that for the answer. The rep ******** also did not indicate that I had also chatted in through the app with someone however that was geared toward the payoff. Again, I was never provide a contract, I called and was directly told no payoff charge and provided me what the payoff amount was with no other charges. They don't want to acknowledge that because they are aware I was not provided a contract and they want to take advantage of their members by any way they can, the reviews show that this is not a one off situation and there ******** also shows they couldn't care less advising me that I was lying because they couldn't find anything with my contact number? I called and spoke with someone never said I called from my phone, elements was provided the info given to me over the phone and now they want to add ridiculous charges and for what? The loan was paid off before payments ever began, the title needs to be released to Elements so I can move forward with them as my lienholder
  
  Regards,
  
  ****************
  

  

  Business Response

  Date: 04/24/2023

  The consumer needs to work with Elements to have them respond to the FORUM personnel that are attempting to work with Elements to resolve this problem. If the member signed documents at the dealership when they did sign a legal contract for the loan with FORUM otherwise there would not have been a loan with FORUM to be paid off with the loan proceeds from FORUM. The consumer can contact ************************* with FORUM who is attempting to work with Elements on the resolution and release of title. 

  Customer Answer

  Date: 04/25/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  [Provide details of why you are not satisfied with this resolution.] I'm not working with or dealing with *****, he flat out called me a liar instead of trying to understand the situation at hand. Again, Just because there is a loan does not mean a contract should not be provided within a timeframe and where do these " hidden fees" come from? Again this is ridiculous I even have to go this route, title should have been sent to Elements once they were paid what they told me was the payoff amount. Forum does not have a good track record per the reviews and I can see why. Treat people like ****, deny providing contracts within a given time and than say there is hidden fees unpaid.
  
  Regards,
  
  ****************
  

• Initial Complaint

  Date:02/08/2023

  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.

  My car was repossessed because it had one late payment of ************************************************** our family requiring us to miss several days of work. After contacting Forum about the issue, I was told to pay last month and this month payments. This month payment wasn't due for for 8 more days. I was also late on a personal line of credit payment which they are trying to hold against the car too. Personal lines of credit have no collateral and can't be held against another loan. I was told by the tow truck driver that several other people have had the same issue and Forum is just repossessing anything overdue. Sounds to me like Forum is in over their heads and they're doing damage control for their own mistakes at the expense of working class people.

  

  Business Response

  Date: 02/13/2023

  FORUM Credit Union attempted to communicate numerous times with **************** from 12/23/22 to 1/25/23 regarding his past due auto and personal loans.  On 1/26/23, FORUM Credit Union approved a repossession order on ****************** auto loan when it was 41 days past due.  On 1/31/23, an electronic payment of $500.00 was received by FORUM Credit Union for the auto loan, which did not satisfy the total amount past due on the loan.  There was no other communication by **************** to FORUM Credit Union until the auto was repossessed on 2/8/23.  FORUM Credit Union will not be reversing any fees on ****************** account.

  Customer Answer

  Date: 02/17/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined the response would not resolve my complaint.  For your reference, details of the offer I reviewed appear below. 
  
  My loan was not 46 days late. It was 16 days late. Like I said before, the personal loan has NOTHING to do with the auto loan. You can't hold that against the auto loan. 
  
  Regards,
  
  ***********************
  

  

  Business Response

  Date: 02/23/2023

  The member is working with the **************** department to resolve the dispute. 
  

• Initial Complaint

  Date:09/13/2022

  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.

  There was a late payment on my auto loan which was (I assumed) lost in the nail because I did send the payment off. My brothers payment was also lost in the mail but his was at another institution where it was taken off his credit due to him having a spotless record. I have been paying my car loan with Forum over 2 years with no late payment and they could not accommodate me. From there I no longer wanted to give this company my business and asked to pay my loan in full. The representative told me I had to pay a per diem and fess to close my account and then proceeded to change the subject and told me I still had late fees to pay in which I did not have any late fees since I paid the past 2 months and current month. After she found all my payments, I continued to ask her about me paying my loan in full and she said that she could not authorize me to do so after I have given her all my information and telling me to have to pay fees in order to close an account. I asked to speak to a manager and she just said I have to wait for their call and I have not received anything.

  

  Business Response

  Date: 09/15/2022

  Tell us why here...The payment for the July 28,2022 **** was posted on September 2, 2022 which resulted in a 30 day credit ****.  Collections did leave messages regarding the payment starting on August 3, 2022.  On September 13, 2022, FORUM received a phone call from Ms. ************************** **************** completed  a phone payment with the collections representative and asked that the credit **** be removed.  The collections representative explained that it was not a FORUM error so we were unable to update this.  Same day, **************** called back and spoke to another collections representative asking to remove the credit ****.  The collections representative advised **************** that FORUM was not able to as this was not a FORUM error.  **************** asked for payoff which was provided.  **************** had further questions regarding the payoff that the collection representative could not answer.  The collections representative stated  she would request a Manager to call her back. The Department Manager reached out to **************** on September 13, 2022 and explained the credit **** would not be removed because this was not a  FORUM error.  **************** was provided with the payoff and **************** stated she would put the check in the mail.
  FORUM appreciates **************** business; however since Financial Institutions use credit reporting to lend money based on accurate information, FORUM is unable to change any credit bureau reporting.  We suggest **************** place a statement on her credit bureau file explaining that the payment was lost in the mail.