Complaints

This profile includes complaints for Municipal Employees Credit Union of Baltimore (Corporate Office)'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

Municipal Employees Credit Union of Baltimore (Corporate Office) has 7 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Municipal Employees Credit Union of Baltimore (Corporate Office)

  One South Street Baltimore, MD 21202

• 

  Municipal Employees Credit Union of Baltimore (Corporate Office)

  712 W. Saratoga St. Baltimore, MD 21201

• 

  Municipal Employees Credit Union of Baltimore (Corporate Office)

  6814 Reisterstown Rd Baltimore, MD 21215-1428

• 

  Municipal Employees Credit Union of Baltimore (Corporate Office)

  2337 E Northern Pkwy Baltimore, MD 21214-1139

• 

  Municipal Employees Credit Union of Baltimore (Corporate Office)

  1777 Reisterstown Rd Baltimore, MD 21208

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:04/03/2025

  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.

  I had a car loan through Mecu and never had a late or missing payment because it was paid automatically through my bank. I moved and notified them of my address change but it was never corrected. My cosigner had filed bankruptcy, but I was still paying the loan every month until one day they just stopped the payments from Mecu's end. Months go by and I had no idea because I was never notified since they never updated the address. This escalated to me getting a lawyer because they hit my credit report, and come to find out they had listed myself as filing for bankruptcy but I never did and that was why they stopped accepting my payment. I was then told to pay off the car which I did, and received a call from an employee named **** ****** who informed me that they were going to reverse the credit marks but it never happened. I have been trying to get ahold of them for months but no response and my credit is still not fixed.

  Business Response

  Date: 04/03/2025

  Please be advised Mr. ******** was contacted directly today by MECU and was made aware MECU is working on updating the Credit reporting to read 0 x 30 days and paid in full.

  Thank you

  
  

• Initial Complaint

  Date:01/06/2025

  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.

  On January 2, 2025, my MECU debit card was used without my authorization on ********* 9304 NY as it appeared on my MECU online account. The amount of money that was withdrawn was $183.50. I did not travel to the said location before, during, or after that stated date. I reported the incident immediately to the Baltimore police. I diligently reached out to MECU representative over phone the phone but all their numbers were not working and did not reach their fraud department. I did not receive any email regarding the withdrawal of my money. No notification or security check was provided by MECU to protect the withdrawal from another location.

  Business Response

  Date: 01/22/2025

  Thank you for the opportunity to address Ms. *** ***** ******* complaint. Our records show that Ms. ******* account was set up to receive alerts for withdrawals over $100.00 via email to ****************************.  ************* had contacted MECU after our normal business hours, she would not have been able to speak to a representative.  Please be advised that MECU Credit Union offers alternative methods to communicate such as our online/mobile app by sending us a message or contact our MECU Call Center.  ************* has not completed a dispute for the transactions she did not authorize, please contact MECU Credit Union at  ************ to speak to a representative or visit one of our local branches to file a dispute.  Ms. ******* may visit our website at ****************************** to find a convenient local branch.   
  

  Customer Answer

  Date: 01/22/2025

   
  Complaint: 22772672
  
  I am rejecting this response because:

  I already contacted this number and was not given a resolution to get my funds back. I also personally went to a MECU branch and was not given a resolution on how I can get my $183.00 back. No one has contacted me on any guidance or whatsoever on this incident. I need an immediate response today on how I can get my money back.

  
  
  Sincerely,
  
  Glo ***** ******

  Business Response

  Date: 01/23/2025

  Thank you for your response.  Please contact the telephone number provided, ************, to file an Unauthorized Dispute.   Please note that this is the formal process to handle all disputes.  

  Customer Answer

  Date: 01/23/2025

   
  Complaint: 22772672
  
  I am rejecting this response because this is the automated response that I got and did not get any action done. I already completed the dispute form. I am asking for a clear answer that is not from an automated response. I need to know how I can get my funds ($183.00) back. MECU has been a disappointment, no support for their customer or clear directives when money is stolen from the account. What kind of bank is this? No layers of support or no customer service. I need a clear answer on the return of my money. 

  
  Sincerely,
  
  Glo ***** ******

• Initial Complaint

  Date:12/23/2024

  Type:Customer Service 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.

  MECU stopped my external transfers for no reason and I cannot get in touch with anyone to add it back. Yes, Ive tried online. Its always a message saying the feature isnt available or cannot process this request at this time. Its extremely unprofessional. Im sure this will go unanswered as usual with their customer service. I will be switching banks

  Business Response

  Date: 01/02/2025

  Thank you for the opportunity to address Mr. ******** concerns. On August 26, 2024 MECU transitioned to a new money solution and all previous recurring transfers were cancelled.  We contacted Mr. ******* on December 23, 2024 and assisted with his concerns. As of January 2, 2025, a payment has been initiated.  Please let me know if this complaint is still valid.

   

  
  
  

  
  

• Initial Complaint

  Date:12/23/2024

  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.

  I was in contact with the repossession department all week and they didnt inform me that before I went to pick my vehicle up they had moved it to the auction. Several weeks before they stated they would send it to the auction. They also stated they destroyed my tags when they transported the vehicle to the auction. They didnt inform me they were moving the vehicle nor did they state they had the authority to do so after the 15 day redemption period. When I spoke to the guy he stated it was being held at a specific location when it was first in the redemption period and that I had time to make payments until the auction date. and when I paid everything today they stated it was at the location and when I arrived after hours of investigation they found out that it was moved to another location. She stated they have no responsibility over theft or damage to my vehicle.

  Business Response

  Date: 01/09/2025

  Good afternoon,
  
  As you may know, some cases are more complex than others.  Since this is a repossession case, MECU will need more time to respond.  We should be able to provide a response by Monday, January 13th.
  
  
  

  Customer Answer

  Date: 01/10/2025

   
  Complaint: 22716753
  
  I am rejecting this response because:

  No one communicated that my vehicle was moved so I had no idea where my personal belongings were. The company that you guys used on the morning of the day I paid everything off which was the 30th they threw my personal belongings away. 
  

  This entire process between your company, and them has been ridiculous. Aside from the situation at hand, this is completely a slap in the face. 
  

  And if told prior to that my vehicle was moved I wouldve went and picked up my belongings to ensure its safety. But instead, I was given the runaround. 

  They were rude, nasty, and completely unprofessional. I would be ashamed to do business with them. Theres a reason they have one star reviews off of almost 50 people.

  
  Sincerely,
  
  ******* ******

  
  

  Business Response

  Date: 01/15/2025

  Thank you for the opportunity to address Mr. ******* ******** concerns.  Please review the attached repossession notices.  Please note that the Notice of Intent letter dated November 20, 2024 was sent by certified mail.  This discretionary notice was sent to inform Mr. ****** that MECU has the right to repossess the vehicle and assess repossession fees if he does not satisfy the arrearages. Therefore, MECU will not waive any of the fees associated with the repossession.  

  Thank you for the opportunity to address Mr. ******** concerns.

  Business Response

  Date: 01/15/2025

  Thank you for the opportunity to address Mr. ******* ******** concerns.  Please review the attached repossession notices.  Please note that the Notice of Intent letter dated April 22, 2024 and the Right to Redeem on November 20,2024.  Both letters were sent by certified mail.  This discretionary notice was sent to inform Mr. ****** that MECU has the right to repossess the vehicle and assess repossession fees if he does not satisfy the arrearages. Therefore, MECU will not waive any of the fees associated with the repossession.  

  
  Thank you for the opportunity to address Mr. ******** concerns.

• Initial Complaint

  Date:12/11/2024

  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.

  I am writing to file a formal complaint against Municipal E-CU Baltimore regarding fraudulent activity associated with an unauthorized account that was opened in my name without my consent. I am a victim of identity theft, and I request immediate assistance in resolving this issue and removing this fraudulent account from my records.Details of the Fraudulent Account:Account Type: ********************** E-CU Baltimore Date Opened: June 10, 2020 Account Number: ************ High **********************: $40,470.00 I did not apply for, authorize, or open this account, nor did I consent to any transactions made under this account. Upon discovering the fraudulent activity, I immediately reported the theft to Municipal E-CU Baltimore. However, despite my efforts, the account remains active, and I am requesting that it be permanently removed from my credit file.I would like to reference the following legal points that are relevant to this matter:15 USC 1666b Liability for Unauthorized Use: Under 15 U.S.C. 1666b, I am not liable for any unauthorized charges or transactions made to this ************** Cancellation of Debt: If any debt associated with this fraudulent account has been written off or forgiven, a 1099-C form must be issued.I have already filed a report with the ************************ (***), as well as informed the credit bureaus of the fraud. I am requesting that the Better Business Bureau help facilitate the prompt removal of this fraudulent account and ensure my rights are protected under federal law.Thank you for your immediate attention to this matter. I expect a timely resolution and will appreciate any updates you can provide.

  Business Response

  Date: 12/19/2024

  Thank you for the opportunity to address Mr. ******** *******' concerns.  Our records show that Mr. ******* established a loan with MECU in June 2020.  The loan was paid in full in May 2023.  Therefore, we will not remove the debt from his credit report.  Please review the supporting documentation. 

  
  

• Initial Complaint

  Date:12/06/2024

  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.

  Dear *********** am writing to dispute an account that appears on my credit report under Municipal E CU Baltimore, dated 10/19/2017. The account number is ********. I have not opened or authorized any account with this financial institution, and I believe I am a victim of identity ******** resolve this matter, I have filed a report with ***************** and the ************************ (***)I respectfully request that this fraudulent account be removed from my credit report as soon as possible. Please confirm receipt of this letter and inform me of any steps being taken to address this dispute.Thank you for your prompt attention to this matter.

  Business Response

  Date: 12/13/2024

  Thank you for the opportunity to address Mr. ***** ******* concerns.  At this time, MECU Credit Union is unable to remove the debt from his credit report.   The attached documents shows that Mr. ***** established a holiday loan with MECU in October 2017.  Please review the supporting documentation.  

• Initial Complaint

  Date:12/03/2024

  Type:Customer Service 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.

  Since Nov 27, 2024 I have called the credit union 4 times in an attempt to get a mandatory manual account verification before being able to transfer my money to an external account. Each time I have called, I have been on hold for up to an hour before ever speaking with someone, only to be told that they would escalate the problem and someone would call me back with a code within 48 hours. I missed the first call due to being at work and had to start the entire process over. The second time, someone called me back and gave me a code promising that there was no expiration timer on the code. When I tried using it 45 minutes to an hour later, it had expired. I called this morning to start the process again and was told to wait up to another 48 hours. He also told me that there was no supervisor for me to speak to. As Im typing this complaint, I am currently on hold for 23 minutes. I should not have to jump through this many hoops to get my money out of a bank. Please help.

  Business Response

  Date: 12/17/2024

  Thank you for the opportunity to address Mr.******* ****** unsuccessful attempts to transfer monies to his external account. Please note that a representative of MECU Credit Union provided Mr. ***** with the one-time passcode to execute the transfer; however, Mr. ***** did not use the code promptly.  All security passcodes will expire in 90 seconds.  On December 3, 2024, Mr. ***** successfully scheduled the transfer.  Therefore, the case is now closed.
  

• Initial Complaint

  Date:11/25/2024

  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.

  MECU sold the account to a law ********************** ***** charging the account off. The law ********************** garnished my wages and caused me to be financially in debt with a huge hardship and possible eviction because they charged an excesssive amount way above what I actually owed. This account has been fully paid due to the garnishment, however the company continues to have it listed on my credit reports as negative debt and doesn't show it's been paid off.

  Business Response

  Date: 12/02/2024

  Thank you for the opportunity to address Mr. ****** ******* concerns regarding his credit report.  MECU has updated Mr. ************* credit report to reflect a paid in full status.  Please review attachment. 

• Initial Complaint

  Date:11/19/2024

  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.

  On December 31, 2024 I was contacted by the municipal employees credit union of possible fraud on my account. I responded to the bank informing that I did not make the fraudulent charges. I went into the branch and filed an affidavit informing that I did not make the charges or two withdrawals from my account. I also spoke with the branch manager. I waited over a week and did not hear anything. The bank credited me for the fraudulent atm withdrawals but not the purchases made at businesses. I called multiple times and spoke with supervisors in their card services section. They informed that I would get my account ************************ by November 18, 2024 while they investigated my complaint. But instead they sent letters saying that they could not reach me and denied my dispute even though I had called them multiple times. They then took back the fraudulent atm withdrawal credit and still never called me back. During this process I discovered that the credit union issued a separate card to my account that I never received. They allowed two cards to be assigned to my account. This ********************************************* has failed to contact me and treat me bad throughout this entire process.

  Business Response

  Date: 11/27/2024

  Thank you for the opportunity to address Mr.******** ********** inquiry regarding his dispute with his card dispute involving MECU Credit Union.  Please be advised that a representative spoke to Mr. ********* on November 15, 2024, to discuss his claims.  All disputes take time to investigate and resolve, which is allowed under consumer regulations.   However, Mr. ********* was granted provisional credit until we completed our investigation.  A representative from MECU explained the timeframe process with Mr. ********** and a letter was mailed on November 25, 2024. 
  

  Business Response

  Date: 11/27/2024

  
  Thank you for the opportunity to address *********************** inquiry regarding his card dispute involving MECU Credit Union.  Please be advised that a representative spoke to Mr. ********* on November 15, 2024, to discuss his claims.   All disputes take time to investigate and resolve, which is allowed under consumer regulations.   However, Mr. ********* was granted provisional credit until we complete our investigation.  A representative from MECU explained the timeframe process with Mr. ********** and a letter was mailed on November 25, 2024. 

• Initial Complaint

  Date:11/11/2024

  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.

  I am writing to formally dispute an inaccurate account on my ********************** report, which I believe is due to identity theft. I recently reviewed my credit report and discovered the following account, which does not belong to me. I have also filed a complaint with the ************************ through ***************** regarding this matter.Disputed ******************************** Name: MUNCPL ECU Opened Date: 10/21/2019 Account Number: ************ Amount: $2,138.00 I did not open this account, nor did I authorize anyone else to do so on my behalf. I request that you remove this account from my ********************** report and take any necessary actions to prevent further fraudulent activity.Enclosed with this letter are copies of my identity theft complaint from *****************, a police report (if applicable), and a copy of my ID to verify my identity.

  Business Response

  Date: 11/18/2024

  Thank you for the opportunity to address Mr. ******* ****** ****** inquiry regarding his account relationship with the MECU Credit Union.  Our records show that Mr. ****** established a credit card with MECU on or about October 2019. As such, MECU is unable to remove the loan trade line from his credit report.  Please review a copy of the supporting documentation.