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Credit Union
CommunityAmerica Credit UnionThis business is NOT BBB Accredited.
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Reviews
This profile includes reviews for CommunityAmerica Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Review Ratings
1.21/5 stars
Average of 24 Customer Reviews
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Review fromBilly H
Date: 10/31/2024
1 starBilly H
Date: 10/31/2024
This credit union absolutely enjoys charging overdraft fees. I borrowed some money to put in my savings account and I was promptly charged an overdraft fee. This money never entered my checking account. They care nothing about their customers. This isn't the first time. The next time will be the last.CommunityAmerica Credit Union
Date: 11/19/2024
Thank you for reaching out about your concerns. We've reviewed your claims and determined the fee was directly associated with the advance from the overdraft service that you mentioned. Funds were placed in your savings account as requested. There is a fee for advances using this service. A manager attempted to contact you to explain this, and to inform you that the fee was waived, as a courtesy, but they were unable to reach you. Please reach out to us directly if you have any further concerns about your account, we are happy to answer questions and to service all of your financial needs.Review fromLa'Wanna W
Date: 10/23/2024
1 starLa'Wanna W
Date: 10/23/2024
I just wanted to get the word out that I noticed on my loans that they increase interest rates as the loan balance goes down. I have never seen this happen on a loan ever in my life. Example: the interest rate in November 2023 8.49%, interest charged on account $237.52. September 2024 the same interest rate of 8.49%, interest charge on account 329.82, and I pay extra each month towards the principle, but the interest has gone up. It does fluctuate but it still has gone up. In June 2024 the interest charge on account was $344.28 with same rate of 8.49%. Can someone explain that?CommunityAmerica Credit Union
Date: 10/31/2024
Thank you for reaching out to express your concerns. A manager in our loan department reached out to you to explain how to calculate per diem and why the amount going toward interest each month may vary. It is our understanding that this was a satisfactory explanation. Please reach out to us directly in the future if you have any questions or concerns, we are always ready and happy to help!Review fromMerissa R
Date: 10/16/2024
1 starMerissa R
Date: 10/16/2024
I called the number on the site so I can pinpoint a location. I was trying to call to change address and make a payment on my husband’s truck. I have a POA. Which I sent to them along with two forms of identification that way I can be able to change it and get information from the account about how much is due. My husband is currently stationed over Korea, they don’t have number that he can call without getting charged extra for making a state side call since he has a Korean number. After stating that he can’t call and that currently I can’t get any information from since he is in field training with no phones. That want me to come into their office get a paper to notarize. Well being a military family we aren’t located within 10 hours of any of their locations. Not convenient At all. Stating my issues I received no help. Then I just wanted to know when the payment had to be due by they couldn’t even respond with that. I don’t want it to affect his credit but they couldn’t let me know that, or how much the payment was. I work an 8-5 with two kids under three. After expressing that if their is a timeline I need to know if I have to take off of work. He stated he can email it to me. That was yesterday afternoon and have yet to receive that document. I have sold this vehicle to a dealership I want to pay it off and have the document saying it’s been paid off. This vehicle is no longer in our possession. They were no help to military families.CommunityAmerica Credit Union
Date: 10/24/2024
Thank you for making us aware of this experience. We value all members, including our Veterans and their families. Internal notes confirm you inquired about your husband's loan, but you are not a borrower on it, so for security we were not able to speak to you about it. You submitted power of attorney documents, but they were too blurry, and we for a better copy. You were also informed that we needed a document notarized as part of this process. Our representative attempted to find a nearby branch location based on the address on file, not realizing you were in a different state. You became frustrated and said never mind and disconnected the call. There was no further contact made with you for that reason. We apologize for any frustration this may have caused. After receiving this review, a manager contacted you and made arrangements to obtain the necessary documents to move forward with your request. However, the following business day, your husband contacted the credit union directly and took care of the matter. By the actions set forth in this letter, we consider this matter resolved.Review fromHazel T
Date: 10/08/2024
1 starHazel T
Date: 10/08/2024
Not the same credit union I join almost 20 years ago. Account managers are there to collect a paycheck not to serve the client. I know my credit isn’t perfect, but neither is a large percentage of Americans. With the average credit score I could purchase a home but not get credit with CACU, even with collateral or automatic payments.CommunityAmerica Credit Union
Date: 10/10/2024
Thank you for reaching out to express your dissatisfaction with decisions for loan applications you recently submitted. All complete credit applications are evaluated for credit worthiness and the ability to repay. They are then decisioned based on various factors - such as credit score, credit history, and history with the credit union. It would be unfair to give preferential treatment to any member based solely on length of membership. An adverse action letter has been mailed to you explaining the reason(s) for the denials, we encourage you to reach out to us directly if you have any further questions or if you’d like to discuss ways to positively impact your credit score. We look forward to continuing to service your financial needs.Review fromNancy P
Date: 08/26/2024
2 starsNancy P
Date: 08/26/2024
My issue dealt with bill pay. My husband passed so I cancelled his accounts. A drop down box still showed his account. I requested that it be removed. That caused so much havoc I asked the bank to add back two accounts that I needed. The drop down was not changed. End result was my gas bill was not paid because of the drop down box account still being visible. They also decided not to pay my credit card bill. I was out of the country when this happened. I then had no charge card. I am changing banks as soon as I can make it happen.CommunityAmerica Credit Union
Date: 09/11/2024
As background, the credit union offers online banking services to our members, with access to Online Bill Pay. Each Online Bill Pay profile may only be linked to one checking account. Each member has their own online banking credentials with access to accounts they are a joint owner, including the Online Bill Pay associated with those accounts. In this case, we found that the Online Bill Pay profile was connected to Mr. P***’s checking account. Ms. P*** was a joint owner on that checking account; therefore, she had access to it through her online banking. Shortly after Mr. P***’s passing, Ms. P*** requested his accounts be closed – this also closed the online banking services associated with those accounts including Online Bill Pay. We suspect the bills Mrs. P*** mentions rejected because of the account closure. Mrs. P*** contacted the credit union upon about issues with her accounts and what she could view on her online banking. The Online Bill Pay profile was then switched to be linked to Mrs. P***’s checking account. We apologize for any confusion and frustration the account closure caused. We believe the matter is resolved but encourage Mrs. P*** to contact us directly if we can further assist her with her financial needs.Review fromJessica J
Date: 07/15/2024
1 starJessica J
Date: 07/15/2024
Worst bank ever. Don't take accountability for their mistakes. Called and canceled a pending transaction due to fraud. Done thru zelle. Rep told me was canceled and funds would be returned. Never happened. Now 3 weeks later they want to open an investigation. Which in turn deactivated my zelle. I have never met more rudest customer service reps ever. Definitely switchingCommunityAmerica Credit Union
Date: 08/20/2024
The credit union investigated the claims made and determined that the member filed a dispute due to a transaction she initiated via Zelle, which turned out to be a scam. As a courtesy, credit union management provided the member permanent credit for the amount lost. Zelle separately investigated the dispute and restricted future access. Zelle also provided a provisional credit and then reversed the credit once their investigation was complete. The credit union believes this matter is resolved and apologizes for the frustration with the dispute process.Review fromLauren P
Date: 07/08/2024
1 starLauren P
Date: 07/08/2024
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!CommunityAmerica Credit Union
Date: 07/09/2024
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!Review fromDavid C
Date: 06/19/2024
1 starDavid C
Date: 06/19/2024
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.CommunityAmerica Credit Union
Date: 06/20/2024
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!David C
Date: 06/20/2024
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.Review fromRon B
Date: 01/12/2024
5 starsI have been a member of Community America Credit Union for 25 years. My experience has been nothing short of spectacular. Great people, efficient, friendly, and eager to help. Wouldn’t do business elsewhere.Review fromTaiwanna W
Date: 08/28/2023
1 starTaiwanna W
Date: 08/28/2023
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!!!CommunityAmerica Credit Union
Date: 09/11/2023
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.
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