Complaints

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

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Skyla Credit Union has 14 locations, listed below.

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  Skyla Credit Union

  718 Central Ave Charlotte, NC 28204-2024

• 

  Skyla Credit Union

  16614 Old Statesville Rd Huntersville, NC 28078-7193

• 

  Skyla Credit Union

  2732 Ashley Rd Charlotte, NC 28208-4957

• 

  Skyla Credit Union

  5301 Wilkinson Blvd STE 1103A Charlotte, NC 28208-5455

• 

  Skyla Credit Union

  269 Harwich St Rock Hill, SC 29730-9073

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:03/28/2025

  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.

  Subject: Hardship Dispute, Request for Deletion, 1099-C Form, Privacy Notice, and ************** Account To Whom It May Concern,I am writing regarding my account with **********************. Due to ongoing financial hardship caused by reduced income, I am no longer in a position to continue making payments on this ********** accordance with the Fair Debt Collection Practices Act (15 U.S.C. 1692), I formally dispute the validity of this debt. I request full documentation, including an itemized breakdown, any signed agreements, and proof of the debts origin.Additionally, under 15 U.S.C. 6802, which protects the privacy of nonpublic personal information, I request that my financial information not be shared, sold, or disclosed to unauthorized third parties. Please confirm your compliance with this law.Due to my current financial circumstances, I respectfully request the following:Forgiveness of the remaining balance on this account;Issuance of a ****** (Cancellation of Debt) form, in accordance with IRS requirements;Immediate deletion of this account from all consumer credit reporting agencies (Experian, Equifax, and TransUnion).Furthermore, I formally request that Skyla Credit Union cease and desist all further communication with me regarding this account. This includes but is not limited to phone calls, emails, letters, and textsexcept as required by law or to confirm account resolution.Please provide a written response within 30 days of receipt of this letter. Failure to validate the debt, comply with my privacy rights, or honor this cease and desist request may result in formal complaints filed with the ************************************ (****) and the Federal **************** (FTC).Thank you for your time and understanding.

  Business Response

  Date: 03/31/2025

  Skyla has reviewed and investigated Complaint ID ******** and respond accordingly below.

  After review of account records as well as complainants' admission of owing the debt, Skyla has found the information to be accurate as reported to the national credit bureaus. Skyla Credit Union has denied the request to forgive the amount owed.  

   

• Initial Complaint

  Date:02/26/2025

  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 went over my credit balance with Skyla, which caused my credit scores to deflate. So when I noticed I immediately paid down my card, so my scores would increase. However, Skyla has not updated balance to reflect on my credit and my scores continue to decrease due to this, which is inaccurate and a violation of the ***** I need this issue rectified before filing complaint with ****.

  Business Response

  Date: 03/06/2025

  Skyla Credit Union has reviewed complaint # ********. 

  Skyla reports loan activity monthly to national credit bureaus. Credit card balances do not report to the credit bureaus until the date noted as "Statement date" on your credit card statement which would have been 01/31/2025. Thus, the balance, along with interest due, reported accurately on 02/01/2025 was $1574.46. As stated in your complaint, you made a payment on 02/11/2025. That payment along with any **************, including interest due, that would affect your credit card balance would be reported after your next "Statement date" for February activity. Your statement date for February activity was 02/28/2025. Thus, your new credit card balance of $1746.24 was reported to the national credit bureaus on March 1, 2025. At no time during these statement periods has Skyla CU reported your credit card balance as over your credit card limit.

  Skyla Credit Union considers this complaint reviewed and closed. 

• Initial Complaint

  Date:02/18/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 02/25/2025

  Skyla Credit Union has reviewed the attached Complaint ID ********.

  While your complaint did not contain specific dispute information, historical records have been reviewed and we have found no errors in the amount owed to the credit union. You may request a copy of your final account statement.

   

  Skyla Credit Union considers this complaint investigated and closed.

   

• Initial Complaint

  Date:01/28/2025

  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.

  I have been on disability since 9/19/2024, I initiated a claim on 10/16/2024 and my claim (disability payment insurance) was approved. At some point, the payments did not align with the due dates of my loan. I became aware of this misalignment on January 2. I immediately called Skyla Credit Union and spoke with a representative (who was rude). She was correct in advising me that it was my responsibility to stay updated on my payments, however, her delivery was unprofessional and rude. I asked her if my late payment had been reported to the credit bureau and she stated "No, not yet". because of her rudeness, I asked to speak with a supervisor and while I was on hold, I logged into my account and made a payment to bring the account current until I was able to speak with the payment insurance company. Since then, my account has been current, and the insurance has been paying accordingly. However, in late January I received a notification that Skyla reported my payment late despite what the representative advised me. This has negatively impacted my credit and financial stability. I am seeking support with getting this late payment removed.

  Business Response

  Date: 02/12/2025

  Skyla Credit Union has reviewed the submitted complaint. A review of account records shows that loan payments have been reported accurately to the credit bureau. We are asking Ms. ****** to please contact the Credit ******************** to discuss specific details of her account. 

  Thank you.

• Initial Complaint

  Date:01/15/2025

  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 have worked with **** ***** since September 20, 2024 on getting funds from an account at ********************** that I am inheriting. I worked with other bank employees for six weeks before that and they would never get any of the funds to me. **** also has not sent any of the funds to me and I have paid a number of fees totaling about $10k.Most recently he tried to send me a payment to my bank account for which ********************** sent me a text message stating a fee of $375 was required. After three days my bank got the payment into my account but they did not accept it because it is an unacceptable risk to them. **** will not work with my bank to convince them that it is a valid and acceptable payment. Now he has not emailed my back since noon Monday.I want Skyla to start giving me my inheritance and stop charging me fees. This has been a horrible experience.

  Business Response

  Date: 01/22/2025

  The Credit Union has reached out to this consumer directly. Unfortunately, it appears that this may be related to a scam. 

• Initial Complaint

  Date:09/23/2024

  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.

  I would like to be unblocked from doing online deposits and doing mobile deposits for cash and checks at the atm. I have rights blocked that other customers have.

  Business Response

  Date: 09/30/2024

  Skyla has reviewed complaint #******** concerning online banking and mobile deposit access.  After thorough review of account history, we could not find sufficient positive history of deposited checks to enable mobile deposit access at this time. Please begin to deposit checks manually to develop a positive check deposit history and we will be happy to review the request after a three-month period. Deposited checks should be comparable to checks that would be deposited through the mobile deposit service. 

   

  Thank you, 

  Risk Department

  Skyla Federal Credit Union

  Customer Answer

  Date: 10/01/2024

   
  I am rejecting this response because: This is an unacceptable response they wont even let my deposit cash at an atm. I feel like this is happening because Im a black customer.
  
  

  Business Response

  Date: 10/01/2024

  Mr. *******,

  Please contact Skyla and ask to speak with Mrs. ***** in the *************** to discuss the specific details of your account. Thank you.

• Initial Complaint

  Date:07/26/2024

  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.

  I was a victim of a "phishing" scam and used my credit card from Skyla Credit Union. The phishing scam site is bookingonline.com. I did not realize this was the name of the site at the time because it showed as "Hilton Honors" and I thought I was signing up for the ******** rewards program and was part of a reservation that I had made at a ************. Once I filled out the information, I was charged $739 and the funds were took immediately. I realized what happened and called the number on the card and was told that I needed to come into the credit union, nothing I could do on the phone. This was July 11, 2024. I called the hotel and verified that the organization was not associated with Hilton and received my actual confirmation number. The bank told me the next day that the transaction had to settle before I could file a dispute. I carried the actual documentation to the credit union and filed the dispute. About a week later, I get an email from Skyla with documentation from the fraudulent company with a note saying the credit union contacted the fraudulent company and my claim was denied becuase the fraudulent company provided a receipt. I was not asked for my documentation that shows the actual confirmation number or the emails were I never verified my information. I made multiple attempts to recapture my funds and was denied by Skyla. They sided against me, the client. The document attached is not the actual receipt. I do have the actual receipt if needed.

  Business Response

  Date: 08/02/2024

  Hello ****************,

  We have reviewed your claim and based upon your summary, you stated that you did receive a confirmation from the hotel for the 2-night stay. The merchant indicates that the charge was for a hotel reservation, not a rewards program. Your original claim stated that the transaction was unauthorized by you but based upon your summary and the evidence provided by the merchant, the transaction was authorized by you. Therefore, the unauthorized transaction claim was denied.  We are happy to review the documents that you state are in your possession. Please visit your nearest branch to speak with a representative. 

• Initial Complaint

  Date:07/17/2024

  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.

  SKYLA CU ***************** (TU,EX,& EQ)Date Opened: 03/04/2013 Balance: $205.00 As per the **** as a federally protected consumer, I am option out of any and all authorization I the consumer may have given you written, unwritten, verbal, non-verbally per 15 USC 6802. This account is listed as a charge-off which is a certificate of indebtedness. I am sure (SKYLA CU ) has filed a 1099c. Income cant be reported on a consumer report. My privacy was violated as per the Privacy Act 1974. This account needs to be removed from my consumer report. Privacy Act of 1974 (5 US Code 552a) Any and all consent to Equifax, Experian, and Transunion whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 (b)(c) states that A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that non-disclosure option. You never informed me of my right to exercise non-disclosure option. Not only that 15 USC 1681C (a)(5) states Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. This account is as adverse item they are reporting again without my permission which is against the law. 15 USC 1681s-2 (A)(1) A states A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Pursuant to 12 CFR ******. Purpose and scope.(a) Purpose. This part governs the treatment of non-public personal information about consumers by the financial institutions listed in paragraph (b) of this section.

  Business Response

  Date: 07/31/2024

  Skyla Credit Union has examined the received complaint and after reviewing all account documentation from March 4, 2013 through February 20, 2020, including driver's license and account activity, have determined that no error has occurred. Skyla also received the complaint by regular mail and responded to the complaint by mail. We requested a Credit Dispute form be completed and returned to the credit union. However, that was before our investigation was complete. It is not necessary to complete the form unless you believe the account was fraudulently opened. 

  We would also like to offer the opportunity to make an appointment to visit a branch nearest to you to view your account records. If you would like to make an appointment, please call ************** and we can connect you with your closest branch.

• Initial Complaint

  Date:07/08/2024

  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 started with Premier Credit Union with a line of credit years ago I then purchased a vehicle from a private seller through Premier CU that merged with Charlotte Metro to become Skylar CU. I had a reduction in pay and got behind on the line of credit and it charged off. I put my truck in the shop to be told that it has been repossessed due to the line of credit being charged off for $1234. The truck is worth ******. I'm trying to understand why the truck was repossessed and the line of credit was not collateralized by the vehicle that I got long after the line of credit. The other issue is I have not been mailed a notice of repossession or have I received a phone call notifying me of the action they were taking.

  Business Response

  Date: 07/11/2024

  This has been resolved with ****************.

• Initial Complaint

  Date:07/03/2024

  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.

  On June 21st this companies employee committed fraud and improperly used my social security number , I have notified his manager and supervisor of this matter and they have taken this lightly and have violated my consumer rights .I have in detailed attached complaint with all information . this company has done whatever to hide the truth but I actually have the evidence proving that this company has willfully been noncompliant with state and federal laws but also has committed Fraud.

  Business Response

  Date: 07/11/2024

  Mr. Durblin,

  We have received your complaint from the National Credit Union Association and will be responding within the regulators time frame. 

  Customer Answer

  Date: 07/11/2024

   
  I am rejecting this response because: They need to respond to all correspondence and the BBB Time frame as well, to ensure the safety of my consumer rights that have been violated, I am also requesting the company provides me with there terms and conditions agreement and policy. Also their licensing and bonding agent for Small claims or Arbitration !
  
  

  Business Response

  Date: 07/12/2024

  Mr. Dublin,

  Skyla Credit Union fully intends to respond to your complaint. However, the depth of the complaint and escalation to our regulating authority, requires more research time than what is offered under the BBB deadline. Skyla is making every effort to meet the BBB deadline but may need more time. Thank you.