Customer ReviewsforCommunityAmerica Credit Union

As many other people complained, I am being charged uncollected fund fees ($28!!!!) When I had money in my account. My account was charged by a company but the processed payment never went through. Because of that, my bank decided to refund back my credit card payment snd charge me a $28 fee because I COULD have over drafted even though I DIDNT. The rude customer service representative named Brock did not stress to me enough how little he cared. I said "I'm trying to understand the $28 fee" and he said "what is your question?" So already he was showing me he was not ready to work with me, forcing me to put ask again but add a question mark to the end. He went in an explanation that truly didn't make any sense because I HAD MONEY IN MY ACCOUNT but they still think they need the $28 fee. I explained I literally cannot afford to bank with community america with these hidden fees and he told me to have a great day and ended the chat abruptly. I wasn't offered any way to fix it, any apology for a misunderstanding. Nothing. I stopped the overdraft protection because I couldn't afford overdrafter 2 cents and being charged $28. I had absolutely no idea I would still be charged $28 for not overdrafting. This company clearly wants your money and does not care at all to help the economy. Watch out for extra uncollected funds fees!!!! Especially if you have money!

Thanks for reaching out, we know fees can be frustrating and inconvenient. Available balance and actual balance may differ depending on pending debit card charges. When a debit card purchase is made, the credit union is required to hold those funds until the charge posts- this could be up to 72 hours. Held funds are not available for any other transaction during this hold time. In this case, the transaction that caused the Uncollected Funds Fee (UCF) is accurate. Your checking account did not have sufficient available funds to cover the charge due to pending debit card charges. We highly encourage you keep track of pending debit card transactions and check your available balance. Balances and pending charges are clearly visible on our mobile banking application. If you have further questions or would like to discuss other options to avoid this from happening again, please contact us directly at 1-800-892-7957. Thank you!

I got randomly hit with an "uncollected funds charge" on 6/11, which apparently means at some point there was a pending charge that COULD have overdrawn the account. The account never actually went negative though in online banking. So now they're charging vague fees when you MIGHT go negative, whether your balance ever actually reflects as negative. If that's not a junk fee, I don't know what is.

As previously discussed, your available and actual balance are different depending on pending charges. At the time of the transaction in question, your checking did not have sufficient available funds to cover it due to pending charges, the fee was correctly charged. We encourage you keep track of transactions that have not yet posted and check those against your available balance. If you have further questions or would like to discuss options to avoid this from happening in the future, please contact us directly at 1-800-892-7957. Thank you!

None of what you just said is reflected in my account in CommunityAmerica Online Banking. How is the average end user supposed to know that pending charges supposedly (briefly) took the account negative if the account never actually reflects that? I can understand charging a fee if the balance actually goes negative, but the balance that I am shown never went negative.

I was recently terminated from Federal employment. I decided to withdraw from my TSP account and receiving it as a check as it was the quicker option. I received the check via mail from the US **** of ******** and deposited via mobile app. Upon trying to check my balance via mobile app, I got an error message that my account was on hold and to contact the credit union. Upon doing so, I was told the check was flagged for fraud. I was asked ridiculous question such as "why did you get a paper check?", "What are you going to do with the money?". It wasn't until my second call that I was told that I could submit documentation to possibly expedite the "investigation". I did so and the "case" hadn't been touched since. I am outdone and frustrated at this point. I was considering moving my other accounts here, but after this experience, I do not even want to continue giving them my business. For US **** of ******** checks that can be easily verified, there is no reason that I shouldn't have access to money that not only belongs to me, but to be questioned about why and how I'm going to use it. I was told the "investigation" can take up to 30 days to complete which is ridiculous. I regret trying this credit union out and will be closing my account ASAP!!!

A member of management connected with our fraud team and determined what was needed to verify the legitimacy of the deposited check. Once the information was obtained, access to online banking and funds from the deposit were subsequently made available on 9/1/2023. The manager reached out to apologize for the delay and experience. We consider this matter resolved to the satisfaction of all parties involved.

When I tell you Im beyond ****** thats what I mean and if I can get this a negative stars I would! None of the credit card/loan representatives are on the same page! Before my credit was ran I was informed by two different costumer service representatives that if my history with community America was good with no charges off and my credit score was 550 and higher than I would nine times out of ten get approved! Once I was transferred to the loan department, the lady I spoke to informed me that as long as there wasnt any recent negative reporting on my credit in the past 6 months then I should be good. Once she ran my credit, she mainly mentioned a few things that was added to my credit report from the year of 2019 nothing really recently. Its like she looked past all the good recent reports that had been added to my credit recently. Due to her and the two representatives before speaking to her, informing me different answers about getting and applying for a credit card through community America, I was hit with a hard inquiry. Super irritating because Im trying to build my credit not constantly lower. If I was informed the proper information from all departments(credit card) I wouldnt have never applied for a credit card yet just to avoid getting hit with a hard inquiry that made my credit go down a little.

Upon completion of our internal investigation, we found that general information initially given may have led to assumptions about the application process, however, a loan representative did explain requirements to apply and discussed hard inquiries and the impact to a credit score. Before proceeding with the application, the member confirmed she wanted to apply. A representative from the credit union contacted the consumer directly to discuss our findings and offered to put her in contact with a Well Being Coach to assist with reviewing credit, expenses, and rebuilding credit. The member declined for now. We apologize for any confusion regarding the application process but look forward to continuing to service our members needs. By the actions set forth in this response, we consider this matter resolved to the satisfaction of all parties involved.

This business needs to have the ability to give a below zero review. My autistic sons debit card was recently hacked and over $1,000 was taken out of his account via $250 increments back to back in ********. He has never been to ********. Apparently, **** said he was sent messages inquiring about these charges, and he confirmed them. He never received any text messages of the sort. They opened a fraud case, approved it, put the money back in his account, then reversed their decision and took the money back out. Now they are saying the case is closed, and hes just screwed. He has been given the complete runaround, called many different phone numbers, talked to many different people to no avail. Since he is autistic, he doesnt communicate the best, so I believe they didnt even bother to take him seriously. I even talked to them, to possibly help with any communication issues, and they told me it would be reopened and rectified. So much for that. I am contacting all the news stations, BBB, FDIC, and anyone else I can possibly think of to get this story out and file formal complaints. I have banked with them for YEARS, my kids bank with them, so we have multiple accounts that I plan yanking out of there. Stay away from this institution. There are so many banks to choose from these days that I know would treat their customers better. Shame on them! My son works two jobs to make ends meet, so you can only imagine the impact of losing over $1,000 has on him financially.

The credit unions investigation found that the transactions disputed were not authorized by the member and indeed are fraud. We have since provided a full refund on the fraud transactions. A executive contacted the member directly to discuss our findings and they worked with the member and ***** and came to an agreement. By the actions set forth in this letter, we consider this matter closed and satisfied.

If I could leave 0 stars I would. My father passed away and so I brought my mother into transfer his *** (they have been married 57 years). Went into 2 branches, inside for over an hour, each time the person had no understanding IRA,s or whom to contact I guess because they were reading instructions on computer and not speaking to us at all. Eventually they stated they would put a case in and would call us back. Took an hour at each place to do thatwhat? We leave get call back next day stating that I was right your father did not check he was married! The money will go to beneficiaries. Mother crying, called corporate office and asked to speak to IRA ********** (after several hang *** from contact center), IRA ********** answered and informed that IRAs are not done in-house now they have an outside company. What?! She did inform us that my father did not check the box that he was married and money to beneficiaries. I asked to see documents and was informed they belong to Community America. Informed if we want to have a lawyer ask for copies than a different matter. What is going on?! I asked again for copies and she stated would ask their legal team if we could see such documents. Now, I am waiting to see what the credit union lawyers state. Why wouldnt you want to show me a check **** was not ****ed, if that was what happened. I am one of the beneficiaries can I not see such document? Not sure what is going on with Community America, but no one seems to know what is going on with existing accounts. By the way, I have been with them since **** and parents since ****. Time to move accounts!!!!

As background, the credit union uses a reputable merchant for *** processing to ensure all applicable state and tax laws are followed- this is standard for financial institutions and is the reason why front-line did not have updated information available to provide.Upon completion of our internal investigation, we determined that the decedents beneficiary designations are accurate, and his surviving spouse was not named. We understand this is upsetting to the family. Subsequently, one of the other named beneficiaries requested a copy of the account card, which we are only required by law to make available to an Executor of the Estate. Nonetheless, the credit union made an exception and provided a copy of the account card to show there was no error on the named beneficiaries. We are sorry for the loss of their father and husband, and for any additional stress caused by this process during such a difficult time. By the actions set forth in this review, we consider this matter closed.

I have had an account with them for decades. Unfortunately, they continue to have bad business practices, including but not limited to taking out bill pay before deposits come through. This seems very intentional as most of the country lives paycheck to paycheck, and going negative incurs fees that go straight to the bank for profit. They are aware of the situation though they do nothing about it.

Upon completion of our internal investigation, we determined that there was no error in the order the automatic payments were posted. The credit union has no control over the order, as they are posted in the order received. The member has set up automatic payments to come out of the account on a certain date, however, it appears that the *** debit processed before the *** credit, which caused a fee for this member. We have since refunded the fee. We suggest the member schedule her payments on a day after deposits are scheduled to come in to ensure funds have time to post. We strongly urge the consumer to contact the credit union directly if she has any further concerns. By the actions set forth in this response, we consider this matter closed.

I have been with CACU for many years and have had my fair share of issues. They basically scammed me into a HELOC loan because their loan agent failed to process loan information correctly and told me I was approved for a refinance loan. The refi funds were supposed to drop in my account and the loan agent told me it was safe to issue payments for pay offs I was making on other accounts with the refinance funds-so $18K in payments was made and then suddenly the loan agent came back to say the loan was pulled back due to a paperwork error on their end so because the money had already been sent they offered to put me in a HELOC loan. (This is all documented via emails). I was young and niave and put my trust in my personal banker there and they took full advantage of that. I should have escalated what happened to the ************************************ but again it was my first loan like that and I put trust in what they were telling me. Flash forward to 5 years later and the current interest rates are killing me. The rates are double now and customer service is awful. They have messed up accounts. Delays in posting and charging late fees for payments that were made on time. The last 3 months literally every aspect of the bank and how they do business is worse. I use to love this bank and feel like they loved their members but that feeling hasn't been there in a while.

We are unable to locate your account based on the limited information provided. We'd love the opportunity to review this matter and have a member of management speak with you. Our website (communityamerica.com) shows various ways to reach us via chat, secure e-mail, or by visiting a local branch. We regret youve had a bad experience but look forward to addressing your concerns.