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Business Profile

Credit Union

Silver State Schools Credit Union

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Silver State Schools Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Silver State Schools Credit Union has 10 locations, listed below.

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    Customer Complaints Summary

    • 24 total complaints in the last 3 years.
    • 7 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:01/28/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      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 opened an account with Silver State Credit Union in January 2025 and soon realized they do not use Zelle as a payment platform. I was told that they did, which is why I opened an account with them. After attempting to send several payments to "others" which took a week, with some of them not going through, I decided to close my account.On January 28, 2025 I visited their branch at ********************************************************. I was assisted by, I believe her name was ******, who was rude AF!! She asked in a very snarky tone why I was closing my account and I told her "because you don't offer Zelle and I can't afford to wait up to a week to pay someone." She told me that "most credit unions don't offer Zelle" to which I responded, "I have accounts at three other credit unions and they all offer Zelle". She said "whatever" as she rolled her ******* we wrapped everything up, she told me that there was a $25 charge to close my account within 90 days. I asked her why are you charging me a penalty to close my account because you don't offer what I need. She again became very rude and told me "that's what it is". I asked her who governs credit unions and she told me "the government" and threw the receipt on the counter.I simply walked out before the entire situation escalated!

      Business Response

      Date: 02/19/2025

      Attached is our response to Complaint #********. Thank you.

      Business Response

      Date: 02/20/2025

      Attached is our response to Complaint #********. Thank you.

      Customer Answer

      Date: 02/20/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      **** ******

    • Initial Complaint

      Date:12/05/2024

      Type:Billing Issues
      Status:
      Resolved
      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 Silver State Schools Credit Union charged me for a "Bad Address Fee" of $10. So I made sure my address was correct and all should have been good and they reversed the fee, Keep in mind I am 100% paperless with them. Now on December 4th I get an email that i have once again been charged the "Bad Address Fee" of $10. There is no reason to charge me a bad address fee when I have already resolved it a month ago. I logged in and again verified the address was correct. Maybe this bank uses bogus fees to rip off their customers as this is not the first time I had fee issues with them. Early in my time at this credit union, I was getting charged $5 a month for a paper statement but was again paperless with them. Went into the bank and they even confirmed I had already gone paperless and refunded the fee. This went on for several months before they got it resolved but I still had to go to the branch each time to get the fee refunded as I will have to do again for this fee.

      Business Response

      Date: 12/20/2024

      Good morning,

      Please see our attached response letter.

       

      Thank you.

      Customer Answer

      Date: 01/01/2025

      Please consider this complaint as resolved. I was contacted by ***** and they resolved the issue and will watch my account to prevent the charges in the future. We found that my address was in fact correct and the mail that was returned was returned by the **** for unknown reasons. Thank You

      Customer Answer

      Date: 01/06/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Please consider this complaint as resolved. I was contacted by ***** and they resolved the issue and will watch my account to prevent the charges in the future. We found that my address was in fact correct and the mail that was returned was returned by the **** for unknown reasons. Thank You

      Sincerely,

      ******* *********

    • Initial Complaint

      Date:11/18/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      The contract related to this account has been cancelled. Silver state schools agreed to delete. I am still continuously being contacted for payment to be made and to provide proof of insurance for a 2015 ************* I DO NOT HAVE. I NEVER TOOK POSESSION OF IT. NOR DID I TAKE POSSESSION OF ANY FUNDS. Silver state contacted me saying they found the check at one of their branches. If you located the check why has nothing has been dissolved? You need to correct this as I am a loyal customer. Aren't ********************************************** supposed to be for their members? Very unorganized. Bad communication. Should I take my future business elsewhere and make sure all of my clients in the car buying market are notified to stay far away from your union so they do not share my horrible experience? I'm sure social media would be interested in hearing the details of this and how poorly it has been handled. I would like written confirmation by email this contract has been voided. I would also like a supervisor to contact me directly and apologize for the misunderstanding. How and when do you plan on rectifying the situation? Please advise!

      Business Response

      Date: 11/22/2024

      Attached, please find our response letter to the Complaint. Thank you.

      Customer Answer

      Date: 11/25/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Thank you for all of your help, we will continue to do business. I appreciate it

      Sincerely,

      ****** *****

    • Initial Complaint

      Date:10/04/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      SSSCU is stealing my money through fees that do not apply to me. They are charging me a bad address fee for mail even though my address is 1) correct and updated 2) I am signed up for paperless e-statements. I am aware that they have to send a letter for over draft fees, but even then, I should not be getting the fee since my mailing address is correct and I have received mail from them before. I have been getting this fee every month regardless of if I have over drafted or not for years. I have tried to speak to multiple customer service people and the issue has not been resolved. I know they are lying because I live with my mother who also has SSSCU. She gets mail from them and so do I, which proves they know my address, yet SSSCU claims that my mail is being sent back so I must be charged a fee. The mail should not be getting sent back. I would like a refund for every single time they have taken money from me without cause.

      Business Response

      Date: 10/18/2024

      Please see our response to the compliant. Thank you.

    • Initial Complaint

      Date:08/02/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      Im writing a second time about the same issue. The same day, early this morning 7/22/24, I was charged $160 in overdrafts and the same time a check over $900 was deposited. Bills came out- less than the check amount and I was hit with overdrafts and again they did not reverse them due do a policy and since my account is current. I do not understand why as the money was there to pay these bills. I do not have a problem with the fees when it makes sense, but this does not. I will after this be moving my money to another establishment.

      Business Response

      Date: 08/15/2024

      Please see response attached

      Customer Answer

      Date: 08/15/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *************************

    • Initial Complaint

      Date:07/08/2024

      Type:Product Issues
      Status:
      Resolved
      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 not received the refund for my gap insurance. I sold my Chrysler on June 3, 2024 and paid my gap insurance for 84 months purchased the car in July 2022 the finance manager at prestige Chrysler said Silver State schools was going to send my refund. I reached out on the website for Silver State schools, but never received a response

      Business Response

      Date: 07/10/2024

      please see attached response

       

      Business Response

      Date: 07/10/2024

      please see attached response

      Customer Answer

      Date: 07/11/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *********************

    • Initial Complaint

      Date:06/11/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Silver State Schools credit union charged ***** in overdraft fees no matter the amount. This happened several times the day I was paid. They argued with me basically saying oh well with over 200 in overdrafts the same day I was paid. Only until I mentioned leaving and brought up other banks did they do a courtesy reversal of 3 overdrafts which still left me with more OD fees than not. Staff is rude and condescending when conversing in chats. This isnt the first time theyve done this. It is a trend. Im requesting the other half of 6 OD fees between the 22nd and 24th. As three were reversed after constant battle with them.

      Business Response

      Date: 07/05/2024

      Please see our attached response. Thank you.

    • Initial Complaint

      Date:03/27/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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 called this establishment twice now to unenroll from automatic payments for a car that this bank will be receiving a payout for due to an MVA they continue you to have the automatic payment taken out when my husband called the 3rd time for me to take us off the auto pay and try and get the payment reversed because like I mentioned the car is being paid off the customer service rep rudely told me that they dont return payments because then it would make my account delinquent to which I stated the payment shouldnt have been taken out in the first place she says that it isnt her department so she cant help. That all she can do is send a supposed paper that we all of a sudden need to have filled out and sent to a particular ***** when I mentioned that we have called two times before and told us we were taken off autopay and that no more payments will be taken for that particular account. She said that it doesnt work that way.. to which I reply that then the previous bank people I spoke to lied to me and again said all she can do is send me the form to fill out which of course she didnt by the way. Very unprofessional and am regretting getting another car note through them. Taking $1400 from someone not expecting that much money to be taken out during these trying times is absolutely inexcusable. This banking company should be ashamed especially since Credit Unions are supposed to be better than chain banks but I can tell you Ive never experienced this kind of problem at Chase or BofA and will next time bank with them for car notes s**** helping the smaller companies obviously their c*** too

      Business Response

      Date: 04/01/2024

      Better Business Bureau, BBB
      *************** Inc.


      Subject:Response to Complaint by *********************************
      Complaint ID: ********

      Dear Sir or Madame,

      In response to the subject Better Business Bureau (BBB) complaint issued by *********************************, a full review of Ms. ******* account related to her complaint was performed on March 27, 2024. A copy is attached for your review. 

      Please feel free to contact the Credit Union for additional information or assistance regarding this complaint. Accordingly, SSSCU requests that this BBB complaint be closed.

       

      Respectfully,

      *************************

      Customer Answer

      Date: 04/05/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *****************************

    • Initial Complaint

      Date:01/22/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      Business is not providing me my loan payoff. Talked now to 6 different people and each have different reason or explanation of why they will not send me a loan payoff. They state they cannot send it to me. They cannot email it. or they have already emailed it to me. Some stated that I would have to drive three and a half hours to a branch to get one. Each have some reason or lie, like they emailed it to me, as to why they are holding my loan hostage. They are not allowing me to pay off the loan and are blocking me from doing so. I have asked to speak to a supervisor and they have flatly refused. They have sent me multiple other emails but somehow I am not getting the one email I need to close the account. I would drive there myself but I am sure I will be met with more lies and be refused.

      Business Response

      Date: 01/25/2024

      Dear Sir or Madam,

       

      Please find attached the Silver State Schools Credit Union's, SSSCU, response to Mr. ***************************** complaint, complaint ID ********. 

      Feel free to contact the Credit Union for additional information or assistance regarding this complaint. Accordingly, SSSCU requests that this BBB complaint be closed. 

       

      Sincerely,

      *************************

      Customer Answer

      Date: 01/25/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. Business previously responded and was helpful on the management level to resolve this issue. 

      Sincerely,

      *************************

    • Initial Complaint

      Date:01/02/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.SILVER STATE SCHOOLS C ACCT #: *************** BAL.**************************************************************************** C ACCT #: *************** BAL.**************************************************************************** C ACCT #: *************** BAL.$1,366. UPSTART NETWORK **** ACCT #: ************* BAL.$0.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

      Business Response

      Date: 01/16/2024

      Dear Sir or Madam:

       

      Please find attached the Credit Union's response along with supporting documents. Four more documents to ensue. 

       

      Respectfully,

      *************************

      Business Response

      Date: 01/16/2024

      Attachments for Complaint #********

      January 12, ****

      Better Business Bureau, BBB
      *************** Inc.


      Subject:Response to complaint by *************************************
      Complaint ID: ********


      Dear Sir or Madame,

      In response to a complaint issued by *************************************, a full review of *********************** charged-off Personal Line of Credit Loan and charged-off **** Credit Card was performed on January 5, ****.

      Pursuant to the Fair Credit Reporting Act (FCRA), Silver State Schools Credit Union (SSSCU) is required to report consumer credit information in a fair, timely,and accurate manner. Based on our review, this letter is confirmation that SSSCU is and has accurately reporting the status of ************************ Personal Loan and **** Credit Card to the Credit Reporting Agencies.

      ********************* entered into a Consumer Loan Agreement for a Personal Line of Credit on March 5, 2015, for the amount of $1000. ************************ Personal Line of Credit Loan was charged-off, due to nonpayment, on December 21, 2021. The total amount due is $1,418.72 to date.

      ********************* also entered into a Consumer Loan Agreement for a **** Credit Card on February 25, 2015, for the amount of $5000. ************************ **** Credit Card was charged- off, due to nonpayment, on December 22, 2021. The total amount due is $6,767.15 to date.

      On October 22, 2021, ********************** filed for Chapter 7 Bankruptcy, and listed Silver State Schools Credit Union (SSSCU) as a creditor a total of 16 times.Specifically, ********************** listed the loans in question by way of an account number which matches that of the ********************************************** records.

      The following documents have been attached to support ************************ ownership of the disputed accounts:

      **** Credit Card Signed Application
      **** Credit Card Loan Approval
      Personal Line of Credit Signed Repayment Advance Request (Contract)
      Bankruptcy Chapter 7 Petition Filing by **********************
      Bankruptcy Chapter 7 List of Creditors naming Silver State Schools Credit Union as an included and dischargeable Creditor.

      Upstart ************ is not an affiliate of Silver State Schools Credit Union. Therefore,the Credit Union is unable to address or respond to ************************ credit dispute regarding Upstart ************

      We hope you find this information helpful. Please feel free to contact the credit union for additional information or assistance regarding this complaint.Accordingly, SSSCU requests that you close this BBB Complaint.

      Sincerely,




      *************************
      President CEO

    Silver State Schools Credit Union is NOT a BBB Accredited Business.

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