Complaints

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

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  St. Louis Community Credit Union

  3651 Forest Park Ave Saint Louis, MO 63108-3309

  
• 

  St. Louis Community Credit Union

  7224 Gravois Ave Saint Louis, MO 63116-1019

  
• 

  St. Louis Community Credit Union

  1436 S Big Bend Blvd Richmond Heights, MO 63117-2204

  
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  St. Louis Community Credit Union

  6347 Plymouth Ave Rm 108 Saint Louis, MO 63133-1909

  
• 

  St. Louis Community Credit Union

  2828 Gravois Ave Saint Louis, MO 63118-1406

  

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:03/27/2025

  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 purchased a brand new auto, Buick gx loaded 2023 in late 2023. I only used st.louis community credit union near forest park in st.louis, always used them primarily but had not had an auto loan in a decade or so. I was going to just take out the cash and buy it so I would not have a loan and interest but at the time other places had *** and better interest rate long term. So, then I was going to put money down plus pay out right for licensure and taxes. The bank manager of loans told me that was not a good idea. To go ahead and finance everything on the loan. Then they did it, lying to me about everything. First, they sold me an insurance policy which took me forever to cancel once I figured out it did not cover my husband for that price, so I finally got that cancelled. Then they had to **** my loan again, they told me it was because I had financed hit without my husband, even though qualified alone. See, I place my husband on the car incase I died, plus our cars have had both names on them. Then I made double payments and early payments and placed thousands of dollars on the loan which that man told me I could do and their was no finance charge, early payment penalty, apr ******* then he told me I did not have to use coupon books any longer, I could pay online, so I did.BUT THEY made me refinance to place my husband on the loan because if he was on the car he had to be on the lawn, took lot of arriving and not signing. Then he refinanced it with the same amount of months o had on it and dropped my old information but the teller said it is still in the system.I complained to him right away.Then they took FOR INTERST ONLY all that money extra from payments I made! I went back and called allot, no resolution. They claim first two men that that was a mistake and the credit union could and would not do that. Then and now they claim because I did nt make the extra payments so they kept with

  

  Business Response

  Date: 04/03/2025

  St. Louis Community Credit Union (SLCCU) has reviewed Mrs. ****** loan and have spoken with her to resolve her grievances.  Our records show that in October 2023, Mrs. ***** financed her vehicle through ***** and made three payments towards the loan. We were unable to locate any errors in applying those payments. Our records did not indicate any interest only payments applied to the loan, nor do we provide that payment option on auto loans. Each payment received was applied to the principal, minus any accrued interest.
  
  In November 2023, upon receipt of the title for the vehicle, we discovered that the ownership on the title did not match our records for the loan, as required. To accommodate Mrs. ****** request to have Mr. ***** on the title of the vehicle,we were able to refinance the loan, adding Mr. ******  We value Mrs.****** membership and apologize for any miscommunication and inconvenience. We believe this matter has been resolved. However, we have advised Mrs. ***** to reach out to us if she has any further questions.
  

• Initial Complaint

  Date:02/11/2025

  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.

  Theyve placed forced insurance on my account and didnt even tell me because they claim to not have my insurance which then they eventually reimbursed only 50% and not the full 100% but theyre still charging me double for insurance that I have and already paid for. And still currently charging for forced insurance.

  

  Business Response

  Date: 02/13/2025

  As a condition of the auto loan with SLCCU, Ms. ***** agreed to carry full-coverage auto insurance with a maximum deductible of $1,000, as well as listing the Credit Union as the lienholder on the policy. Multiple requests were sent to Ms. ***** to obtain and verify this information. When this information is not received, ******************************* (CPI) is forced placed to protect the collateral and the Credit Union.
  
  It is important to note the imposition of CPI affects the terms of the loan, including the payment amount. Our *********** Manager worked with Ms. ***** to reach a resolution. Based on the insurance verification provided, a partial refund has been applied to Ms. ****** auto loan.Unfortunately, since Ms. ***** did not have continuous full coverage as originally agreed, only a partial refund can be provided. Consequently, the Credit Union has agreed and did revert the payment back to the contracted payment amount due to Ms. ***** now having the required full coverage insurance. We thank you for bringing this matter to our attention and we are pleased that we were able to come to a suitable resolution. 

  Customer Answer

  Date: 02/21/2025

  my bank issue was resolved

• Initial Complaint

  Date:01/02/2025

  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.

  Date of issue ongoing.After telling the business on multiple occasions, one time in person, that any and all information to be forwarded to my home address, not my fathers. My father had moved and towards the end of this past year, he went to the old family house (previous address) and discovered numerous letters from this company. After he looked through the letters, it was discovered that the credit union needed my insurance information (which was apparently requested earlier in the year). I contacted the credit union regarding this matter, due to an unreasonable amount was added to my monthly payment for their own insurance (which was not needed).Despite explaining to them that all of their letters were never sent to the correct address, despite being told where the information needs to be sent, they were reluctant to help. I was told that if I was to provide my insurance information, the additional amount would be taken off of my amount owed. I provided the documents and was refunded a partial amount. I spoke with ******** because I was unable to make my payments, due to the payment portal being locked, and I explained that the online portal was the only way I was able to make the payments and I was demanded to provide my debit card information. I explained I did not feel secure providing my information over the phone and I was rudely told to take the payments into a local branch. I was contacted by a tow company regarding a repo of my vehicle. I reached out to ******** and she stated she would place the payments and the tow on hold because of the miscommunication, however, she reached out to my father on 12/20 and he advised her to call me, however, I never received a phone call. She emailed me, I responded with questions on 12/21, and never received a response until today, after she resumed the tow. I was told that she would not continue speaking with me via email, despite explaining that is the best way to contact me.

  

  Business Response

  Date: 01/10/2025

  Thank you for bringing this matter to our attention. As outlined in the loan agreement, failure to carry full-coverage auto insurance and listing ***** as the lienholder on the policy may result in collateral protection insurance (***) premiums being added to the loan. Ms. ***** was informed of the monthly payment amount,due date, requirement to carry full coverage auto insurance, lack of verification of insurance coverage provided and *** premiums being added to her loan in our loan agreement, monthly statements, online access when available,multiple notifications and during numerous conversations by phone and email. Unfortunately, the requested verification of full coverage auto insurance has not been received which has resulted in *** premiums being added to her loan and an increase to her payment. The *** premiums will be refunded and the payment reduced to the original amount after the requested verification has been provided. Ms. ***** was provided with multiple options to make loan payments in addition to the St. Louis Community portal. SLCCU apologize for any miscommunication regarding the information provided. We are unable to change personal information over the phone. Address changes can be done securely via online banking, in our local branch, or by mail.  While Ms. ***** has not yet responded to our multiple efforts to reach her on 1.7.25 and 1.8.25 using the contact information provided, we will gladly work with her to resolve the issues in her complaint.

• Initial Complaint

  Date:11/16/2024

  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 not liable for this debt with ST LOUIS COMMUNITY CREDIT UNION, i do not have a contact with ST LOUIS COMMUNITY CREDIT UNION. They did not provide me with the original contract as i requested

  

  Business Response

  Date: 11/18/2024

  Thank you for bringing this matter to our attention. The manager of *********** was able to speak with Mr. ****** and verify his debt. A copy of the signed agreement can be obtained by visiting any of our local branches or Mr. ****** can call our office to obtain a copy by mail. 
  

• Initial Complaint

  Date:09/26/2024

  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.

  My car note was ****** a month for 4years . I was expecting a title soon but They are asking for proof of insurance for 4 yrs back. I can only locate a few Now they are locking me in for another 4 years paying a car note of ****** car note because of insurance. This is killing me

  

  Business Response

  Date: 10/10/2024

  We are sorry to hear Ms. Calloway is unhappy with our service. As a condition of the loan, borrowers agree to carry full coverage insurance. Unfortunately, collateral protection insurance (CPI) was placed on Ms. Calloway's loan in October of 2022 and October of 2023 due to a lapse in coverage. Letters were mailed to the address we have on file in both cases to inform Ms. Calloway of the increase and requesting verification of coverage to provide a refund. Proof of coverage was provided in April 2024 showing 2023 coverage resulting in a partial refund due to coverage lapse. While we did not receive a response from Ms. Calloway from the letters we mailed or after seeing the increase on her statements, we are happy to reverse the CPI coverage for 2022 if she can provide proof of full coverage insurance for that time. If Ms. Calloway would like to further discuss her account or learn how to avoid CPI, she can contact Member Care at 314-768-5900.

• Initial Complaint

  Date:09/26/2024

  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.

  This loan was taken out 04/ 2018, 64 term no more than Oct of 2023 my loan should have been paid off. No this credit union sold my information to CPI which they are to check for insurance etc etc but if the information is not report CPI readjust the loan which makes your payment increase almost double. Now I played this game with the credit union several time have the same insurance carrier than now. They repossessed my vehicle in 04/ 2024 knowing g there some kinda of mistakes .After following on this were not able to get any I formation from the place I obtained my loan. Representative would only give me part of my pay history as if my loan just started Jan 2023 with a payout tul 12/ 2028 Impossible how did a 64 ********* go from 5.5 year to additional extra 5 years.whuch means I would be owing over 50k on a vehicle I've already paid 29k thus far and now you expecting me to pay another 28k ridiculous. The credit union is overcharging customers loan, repossessing their vehicles when loans are paid off. I tried to seek help from there credit union several times. One Representative told me to call back she have to take her lunch . After I sat in que over a hour. Another Representative told me she could pull up my pay history because it's in microfilm yet gave me a new bill from Jan 2023 to Dec 2028 were they are asking for this additional 28k. Went to another one if there banches in order for me to get a copy of my pay history now I must pay 5 per sheet per month which would cost $360.00 I paid over 28k for my vehicle from 04/ 2018 to 12/2023 . My vehicle has been repossessed, they sold my vehicle. I have no vehicle nor my money. And you want me to pay $360.00 for a copy of my pay ********** louis community credit union is falling/ wrongly repossessing vehicle for their gain. I have file with the *********************** , federal trade to get my voice heard. I requesting my money back in full. After reading other complaints they all seem the same

  

  Business Response

  Date: 10/10/2024

  We are sorry to hear Ms. ******** is unhappy with our service. As a condition of the loan, borrowers agree to carry full coverage insurance. Unfortunately, collateral protection insurance (***) was placed on Ms. ********** loan in October of 2022 and October of 2023 due to a lapse in coverage. Letters were mailed to the address we have on file in both cases to inform Ms. ******** of the increase and requesting verification of coverage to provide a refund. Proof of coverage was provided in April 2024 showing 2023 coverage resulting in a partial refund due to coverage lapse. While we did not receive a response from Ms. ******** from the letters we mailed or after seeing the increase on her statements, we are happy to reverse the *** coverage for 2022 if she can provide proof of full coverage insurance for that time. If Ms. ******** would like to further discuss her account or learn how to avoid ***, she can contact *********** at ************.

  

  Business Response

  Date: 10/11/2024

  The wrong response was submitted to this complaint. Please disregard the previous submission.

   

  Thank you,

  

  Business Response

  Date: 10/11/2024

  ***** has reviewed the loan in question and has found that no errors exist. As a condition of obtaining an SLCCU auto loan, borrowers agree to carry full-coverage auto insurance and must list the Credit Union as the lienholder on the policy. Multiple letters and notices were sent to the address on file. While we understand Ms. ***** is frustrated with her lending experience, this is the ramification of not paying the loan and for not maintaining full coverage insurance on the vehicle, as agreed in her loan agreement.  
  
  Unfortunately, in most cases, when a vehicle must be repossessed and sold, the borrower is typically left with a deficiency balance. Two different managers have reached out to Ms. ****** in an attempt to provide a breakdown of the costs associated with both the *** and the repossession of her vehicle. Unfortunately, Ms. ***** did not accept our explanation. Unfortunately, there is no resolution at this time.   

  Customer Answer

  Date: 10/11/2024

  THIS TRANSACTION WENT IINTO AFFECT ON 03/2018 FIRST PAYMENT STARTED 04/2018 OF $435.00 PER MONTH FOR 64 MONTHS PLUS INSURANCE / GAP WHICH MY AUTO LOAN SHOULD HAVE BEEN PAID OFF NO LATER THAN 09/2023. CORRECT STLCC IS TRYING TO CARRY THIS LOAN OUT TIL 2028 THAT WILL BE OVER ***** YEAR. WIT AND OUT COME OVER 60K ON AN AUTO LOAN THAT ORGINAL 28K . I HAVE PAID CLOSE TO 29K NO INFORAMTION OF WHERE MY PREVIOUS PAYMENT HAS WENT TOWARD. I HAD INSURANCE TIL MY VEHICAL WAS REMOVED 04/2024 CPI IS THE COMPANY THEY ARE SELLING INFORMATION TO FOR THEIR BUSINESS PRACTICE A REPRESENTATIVE EXPLAINED HOW THIS GOES. ***** SELLS/ PAY THEM FOR THER UNETHICAL WORK WHICH CAUSE MANY CONSUMER TO BE IN THIS TYPE OF ORDEAL. I HAVE FOWARD INFORMATION TO FEDERAL TRADE TO LOOK INTO THEIR LOAN PRACTICING. I HAVE NO CAR , NO MONEY STLCC SOLD THE VEHICAL AND STILL REQUESTING 28K. MAKE IT MAKE SENSE .

• 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.

  Ive been calling the branch to pay off my loan for almost 2 weeks now of course they have that I dont have full coverage insurance, which is untrue and I have provided proof several times. Of course they use a third-party company and the third-party company. Computers are supposedly down and have been down for going on over a week now. I called today and spoke to ****** at the Credit Union, who is extremely rude demeaning, and obviously obviously discriminating against me because kept saying that I was not who I said I was even though I verified all my information then told me I have to come into branch which I moved and live nowhere near. All I want to do is pay off my loan after the insurance charges are removed but seems like they are scamming me!

  

  Business Response

  Date: 08/15/2024

  Thank you for bringing this matter to our attention.  Our VP of *********** reached out to ************* to address his concerns. As discussed, we were notified that his proof of insurance was reviewed, and the refund of ******************************* (CPI)is being processed to post to the loan. ************** informed us that a check was placed in mail to pay off the remaining balance of the loan. We will reach out to ************** upon arrival of the payoff check and keep him informed during the process. SLCCU understands **************** frustrations and are committed to enhancing the member experience. Management from our *************** team has reviewed the interaction between ************** and our representative and will provide any necessary coaching for better service going forward.

• Initial Complaint

  Date:05/17/2024

  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 have a Loan through my bank to pay off a car I have gotten from *********. I had ended up dropping Progressive because it was becoming too high to pay month over month. When they added the insurance provided by the credit H333234**333230373237H, they added $3,000 per year to the loan while I am getting my own insurance. They told me that will be taken off when I do get insurance. However, the amount of the loan changed without mentioning it was going to increase. They did this after the fact. So what was 400 some ought I was paying per month became over 700. Originally the loan was $17,000 to now $23,000. I went to call the bank to find out more. I was trying to refinance the loan but they would not accept me doing so because the loan was behind due to the extra amount put onto it. They also mentioned that I cannot use my social security payments. When trying to ask anyone why that is, no one is giving me an answer. I&#**;ve gone through ********* ***************** *********** services, I asked for a supervisor today (5/17/24) but was told the supervisor was busy. I just want to know if they are allowed to change that policy without telling me? What are my options? Why are they not accepting my social security payments.They originated 2 loans from me based on my social security payments, Now they are saying they wont accept the income. I don&#**;t know what to do. They have put a restriction on my account so now I cannot access it.

  

  Business Response

  Date: 05/22/2024

  Thank you for bringing this matter to the attention of St. Louis Community Credit union. After review of Ms.******** **** loan, it was determined that the collateral protection Insurance(CPI) placed on the loan was not done in error. Management has reached out to ****************** to address her concerns and ****************** has agreed to regain and provide proof of full coverage insurance. As contracted, once proof of full coverage insurance is provided, CPI will be adjusted and refunded to the loan lowering Ms. ******** payments.
  On May 21st, management reached out to ****************** again regarding the complaint on acceptable income. When reviewing the income with ******************, we found no errors, all submitted income was included in the most recent application.
  

• Initial Complaint

  Date:04/29/2024

  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.

  In October I changed my insurance. The ** charged me a late fee 115 fee. They said I was late with car payment.

  

  Business Response

  Date: 05/06/2024

  Thank you for bringing this matter to the attention of St. Louis Community Credit Union.  We spoke with him in regards the payment issue that was derived from forced placed car insurance with his auto loan. Made the member aware the issued was corrected,and updated on loan status was also communicated today. We welcome open communication with the consumer to discuss this further.

• Initial Complaint

  Date:04/27/2024

  Type:Order 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.

  No title during sale of car buying, i tried to trade the vehicle in and was not able to prove ownership due to no title. called said company because dealership would not release car to me. said company picked up car at dealership in dec/2023. car was set to be sold in dec/2023. never was told if the car was sold after that and in january 2024 said company reported i was late on a payment to credit company. I called on 1/15/2024, 1/19/24, 1/24/24, 2/9/24 and on 2/15/24 someone finally answered and told me my account was "closed" but said company never sold my car and still had possession of it. said company took away online access to pay any bills as i was trying to pay during this whole period, woman i spoke with said she can only go back and change credit reporting if she "listens to my previous calls" and hears me say i was trying to actually pay. after that final phone said woman told me she would call me back after the audit was finished and inform me of next steps. they are reporting false late payments on my credit but I have no way to even pay said company and still to this day 4/27/24 no one has called or fixed reporting. dealership also sent me the check for the gap coverage indicating the car was sold.

  

  Business Response

  Date: 05/06/2024

  Thank you got bringing this matter to the attention of St.Louis Community Credit Union. We spoke with the member regarding the auto loan and auto titling documents and multiple notices associated with the sale of the auto that were previously sent to him. An option to settle the balance owed and remove the loan from reporting on his credit bureau was presented. The member accepted subject to a review of the offer in writing. The terms have been sent to the member. St. Louis Community Credit Union is waiting for his response.