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Business Profile

Credit Union

Municipal Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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Municipal Credit Union has 10 locations, listed below.

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    Customer Complaints Summary

    • 227 total complaints in the last 3 years.
    • 72 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:04/15/2025

      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.
      I am filing this complaint regarding a charged-off account with ********************** (Account ending in XXXX), which is being reported inaccurately on my credit reports. Despite submitting numerous disputes, the account continues to come back verified with no actual investigation or correction of the disputed information.I have sent multiple formal disputes highlighting factual inconsistencies in the payment history and balance reporting across Experian, Equifax, and TransUnion, which have either been ignored or responded to with generic updates that do not address the specific errors.I am now sending a formal cease and desist letter to Municipal Credit Union, demanding that they stop reporting this disputed account and cease all further updates, as they are in violation of my consumer rights under the **** and FDCPA.

      Customer Answer

      Date: 04/16/2025

      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 and the matter has been resolved.

      Sincerely,

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



       

    • Initial Complaint

      Date:04/10/2025

      Type:Service or Repair 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.
      I was ripped off by my contractor who tore my house appear. I had no working kitchen to cook for the holiday. I told ****** restaurant this, and further noted that my daughter was diagnosed with cancer recently. As a result, I wanted to bring some cheer to the house. I saw the restaurants add on face book that they were taking orders. I called and spoke to their representative. I followed up by text. We agreed on the items I wanted to purchase and on the cost. The food was to be delivered by ***** in two days. This is what I paid for. She sent me the bill and I paid it by credit card via ***** Pay. On 12/20/24 I received a text from Panjaz saying that the food was being shipped **** over 4 days because the cost through ***** was more than she was quoted. I expressed my displeasure and noted that perishable good are to be shipped in two days and that the post office doesnt deliver to my address, as im on a private road and large packages must be picked up at post office and it cost a lot. In short, the package never arrived until 1/23/25. I contacted ****** for a refund and received no response. I contacted my credit card. They credited my account and then charged it again. Its been over 4 months and I need this resolved. I didnt receive the food. It wasnt shipped in two days as agreed. I should get my funds back. As I told the merchant, she should have kept the agreement and paid the additional shipping charges. Perishable good are not set over several days. As a merchant she should know this. I shouldnt pay for goods I didnt receive. I want my funds back and the bank is dragging this out. See copy of text to merchant and other information. Id like this resolved.

      Business Response

      Date: 04/24/2025

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 24, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

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

    • Initial Complaint

      Date:04/02/2025

      Type:Service or Repair 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.
      Good afternoon,I visited the MCU branch in ************* on 04/01/25 at around 148pm, where I withdrew cash and then spoke with a representative to change my PIN. The event took place anywhere from 148pm to 155pm, I believe I may have left the envelope containing the cash at the desk with the representative that assisted me change my pin or possibly dropped it while attempting to place it in my pocket while seating there. I was wearing a long army green puffer coat. I kindly request your assistance in reviewing the security footage to help locate the envelope. Please contact me at your earliest convenience regarding this matter.Thank you for your time and ************ regards,******* ***** ************

      Business Response

      Date: 04/08/2025

      ***** ** ****  ****** ******** ******* *** ********* **** *** *** ********
      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 8, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

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

    • Initial Complaint

      Date:04/01/2025

      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.
      MCU teller document the incorrect account number on a direct deposit form I submitted. Causing my money t deposit to go into another member account. ********************** refused to refund the money to my account, even though it their employees fault for documenting the incorrect number.

      Business Response

      Date: 04/12/2025

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 12, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      ****** *********
      VP Member Experience

      Customer Answer

      Date: 04/18/2025

      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 and the matter has been resolved.

      Sincerely,

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



       

    • Initial Complaint

      Date:03/31/2025

      Type:Service or Repair 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.
      On March 26, 2025, Caress ***** and her mother Chanel ***** went into the ********* branch of Municipal Credit Union to pay off a debt remaining on a closed account of Caress *****. We thought the debt was settled over a year ago, but *********** reports that Caress still owes 2 debts of $61 and $4.00. We attempted to go to the teller at MCU to pay the debt in full but the teller could not pull up the account, so we were referred to a Member Representative (****** ********). *** ******** told us to go home and contact *********** to pay off the debt because nothing was showing in their computer system at MCU Collections. We went home and contacted *********** and they told us that they do not collect debts, and that the debt must be paid at the credit union. So we returned the very next day to MCU and spoke to *** ******** again in person. She said she emailed the collections department to try to get the problem resolved so that we can pay the debt while we were there, however, the ********************** failed to email *** ******** back with a solution. We sat and waited for an hour then *** ******** sent us home (again) with no solution. I then contacted their MCU's customer service and they could not connect me to the collections department nor would they accept payment of the debt over the phone. The MCU *********** actually had me wait over 45 minutes on the phone with no solution. I have sent several emails to *** ******** requesting a name and contact number of a manager, but she has relentlessly ignored my emails. How can we clear the debt if MCU does not follow up with a solution? Why hasn't this matter been referred to a manager who can override the transaction or get in touch directly with the Collections unit to override the transaction? As it stands today, MCU has no solution to this problem and continues to ignore the problem. Caress ***** is stuck with a debt on her *********** report. This is pure incompetence of MCU.

      Business Response

      Date: 04/08/2025

      April 8, 2025 

      Better Business Bureau:

      Re: Complaint File No. BBB ********

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 8, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      Municipal Credit Union

      Customer Answer

      Date: 04/11/2025

      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID# ********, and have determined that my complaint has NOT been resolved because: 

      I received correspondence in the mail today 4/11/2025 from MCU regarding this matter.  In that letter, MCU provided me with 2 evidence that my account was FULLY paid off last year and they failed to report it to *********** and they also failed to update their systems as well.  I am not satisfied nor will I be until MCU provides me evidence that they notified *********** to clear the debt once and for all.  Because they have handled this matter with such incompetence, I will not feel at ease, until I am provided written evidence and confirmation that MCU informed *********** to remove the debt. 

       

       

       

       

      In order for the BBB to appropriately process your response, you MUST answer the question above.


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



       

      Business Response

      Date: 04/30/2025

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 30, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      The Collections Department
      Municipal Credit Union

    • Initial Complaint

      Date:03/26/2025

      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,I am writing to formally file a complaint regarding an issue with my account with ******* ************************** Account number: ********** Account balance: $16,116.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

      Business Response

      Date: 04/04/2025

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 4, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution.Thank you for bringing this matter to our attention.

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

    • Initial Complaint

      Date:03/26/2025

      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,I am writing to formally file a complaint regarding an issue with my account with ********************** Account number: *********** Account balance: $11,043.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

      Business Response

      Date: 04/08/2025

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

      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 8, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

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

    • Initial Complaint

      Date:03/26/2025

      Type:Product 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.
      MCU updated the online banking system and it caused issues within all of my accounts. The terms of my loan stated $99 would be deducted every pay check. After the change the money is not being deducted timely and they're removing money from my ************ and vacation accounts when there's ample funds in the checking account they're supposed to be debiting the money from. My kids custodial accounts were removed from my online banking. I no longer receive statements for my oldesr daughter's custodial account. I contacted customer service for assistance since I'm homebound currently and ******** was great but when she transferred me to ***** employee (*****) the supervisor he was extremely rude and condesending and unprofessional. I request a different supervisor or someone above him and he refused. I would like these situations rectified and please hire mangers who have better customer service training. You cannot speak to people any type of way when you're supposed to be a professional.

      Business Response

      Date: 04/04/2025

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 4, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution.Thank you for bringing this matter to our attention.

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

    • Initial Complaint

      Date:03/24/2025

      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.
      I am not liable for this debt with ****************. They did not contact me with the original contract as requested.

      Business Response

      Date: 03/31/2025

      March 31, 2025 

      Better Business Bureau:

      Re: Complaint File No. BBB ********


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 31, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

      Sincerely,
      ****** *****
      ****** *****
      Manager, *********************

    • Initial Complaint

      Date:03/17/2025

      Type:Product 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.
      am writing to dispute the negative information reported on the following account on my ********************** report. The negative entry is incorrect, and I request the immediate removal to ensure my credit report accurately reflects my true financial responsibility.

      Business Response

      Date: 03/31/2025

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on March 31, 2025.  The letter should be received within the next five (5) business days. To protect our member's privacy, we are unable to provide you with details of our resolution. Thank you for bringing this matter to our attention.

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

    Municipal Credit Union is NOT a BBB Accredited Business.

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