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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:05/09/2023

      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.
      On 5/2/2023 I had applied for a credit increase of $7,000 and was instantly approved while having already a $23,800 credit limit- the approval was after hours so the next day on 5/3/2023 I received documents in my personal email from a loan representative by the name ********************* for me to sign my approval in regards to my credit increase. However, he/she/they managed to decrease my credit card limit from $23,100 to ONLY $7,000. On that day I replied to the email regarding to my credit increase stating he/she/they did did not fulfill my request by increasing my credit but decreasing it from $23,800 to ONLY $7,000. The next day on 5/4/2023 I received an email from the loan representative ********************* stating he/she/they managed to adjust my credit limit to *** of $25k. This was clearly a human error and poorly overlooked and not carefully examined. On 5/5/2023 I received a call from a different representative to see if my situation was completed- I said I received an email from the representative who sent the paperwork already adjusted my credit limit to the ***. The representative on the phone was completely confused and did not know about my situation who then stated its not possible to increase my credit limit from $7,000 to the *** when this was clearly their error not the system and not myself. He/she/they then told me to hold on as this he/she/they will look into the issue. As he/she/they return he/she/they stated they are a aware of the issue and that my credit limit will be adjusted on 5/09/2023. This will immediately affect my credit score as a decrease is a negative effect not a positive, an hard impact that will be going into my credit history that I should never happened in the first place.

      Customer Answer

      Date: 05/09/2023

      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:05/09/2023

      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 deposited a check in the branch in ****** terminal #2 Terminal#****** on 5/2/2023 I recieved no receipt my balance never reflected my ck deposit.I contacted the branch and went in person as well.I change and I need my money;

      Business Response

      Date: 05/23/2023

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on May 23,2023.  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,
      *********************************
      Electronic Services Manager

    • Initial Complaint

      Date:04/24/2023

      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.
      The highest balance is incorrect. The last payment amount and date is incorrect. Why is there a term length on a closed account?Account name- MUNCPL CR UN Account number- ***********This account is inaccurate and I am seeking litigation please delete at once.This inaccurate information is reporting on my credit report. I will want it to be removed now. I sent letters on 03/25/2023 and nothing was resolved. I want it deleted now!

      Business Response

      Date: 05/03/2023

      May 3, 2023 

      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 May 3, 2023. 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,
      ************************************
      Interim Director of Collections
      Municipal Credit Union

    • Initial Complaint

      Date:04/21/2023

      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 April 20, 2023 I entered MCU bank to have an Unclaimed form signed with the ** Comptroller. The front desk clerk reported that ****************************** would not be able to notarized my form as told to her. ************** is authorized to signed form. I explained that I am no longer a member and I was an account holder who moved and my account was closed. I asked to speak with her and finally after a few minutes she agreed to notarize my form. She did not complete the required section to acknowledged that I was acquiring the funds missing. She did notarized my name and signature despite the form indiciating that the preparer must sign in order for the form to be eligible. I am filing a complaint against her directly and MCU Bank for having an employee that is careless and unprofessional.

      Business Response

      Date: 05/02/2023

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


      We are in receipt of the complaint for the above-referenced member.  We addressed this matter directly with the member by mail on May 1, 2023.  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,
      ***********************
      Director
      Retail Banking 

    • Initial Complaint

      Date:04/19/2023

      Type:Order 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.
      Within 2023, Ive had several instances where this bank declined my purchases in stores without notifying me why or having fraud services call me or contact me. This is the worst bank in the world and Im moving my money to navy federal. How did a bank decline me to use my money and if they felt it was suspicious someone is supposed to ask me if I did this purchase. There is no proof of them contacting me by my telephone number ********** or email. In addition, when I called as I needed to use my card while Im at a gas station and urgently needed gas, I received a response that they are closed. So basically, they decline me to use my card and since its after business hours, there is no way to get in touch with someone. Even though I shouldnt have to get in touch!!!! I never blocked my card and I know exactly how many times I used my card today. It doesnt matter! Its my money! Its not fraud and was all me! They need to STOP! It should be illegal for banks to block you from spending your money without being contacted by them or having an easy way to contact them outside of business hours. I am reporting this bank! Its unethical! My acc number is *******. I am absolutely done with this bank! Please please please do not use this bank. There is no benefit and there are far better credit unions out there. I promise you. After this, I will be transferring all of my funds out of this bank and no longer will bank here. There are no pros and far way too many cons. I need my card unblocked!

      Business Response

      Date: 04/24/2023

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on April 24,2023.  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,
      *******************
      Director of **** Services

    • Initial Complaint

      Date:04/12/2023

      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 have made several trips to the MCU located at ********** Brooklyn to make us of the service of the coin machinecwhich is supposed to be available to MCU members. The machine in never in service and you can never get a straight answer as to when the machine will be in service. When you call to inquire you are told the machine is working and when you get there its not in service. This has been going on for months. It's not easy traveling back andforth with coins. This issue needs to be resolved. Please assist with this matter.

      Business Response

      Date: 04/24/2023

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


      We are in receipt of the complaint for the above-referenced member.  We addressed this matter directly with the member by mail on April 24,2023.  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 of Retail Channels

    • Initial Complaint

      Date:04/12/2023

      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.
      On 4/1/23 I applied for a joint personal loan with my mother in law for $20,000 for debt/bill consolidation over the phone. On 04/6/23 we received a counter offer of $10,000 but the bank would pay the funds directly to 5 credit card companies. We accepted the offer and I received an email of documentation that was needed some of which I already provided so I called the loan department. I was informed in is a generic email that is generated and I would just have to upload the most recent credit card statements and the sooner I do that they can email over the e signature request and get the funds allocated. The same day I uploaded the documents and I didnt hear anything more. On 04/10/23 I called again and I was told they were going to send out a the emails for the e signatures which never happened. On 04/11/23 I called again and at this point I was told they were going to send the email for the w signatures and if I got them back to them today I would be able to have everything funded by 5pm and the additional $1500 that wasnt going directly to credit cards deposited into my account. A few hours later I received a phone call from the loan officer stating I did not meet all the requirements for the counter offer. I was very confused because this was the first I was hearing of this after being told several times all they needed was the e signatures and the loan would be funded. But now they are telling me that I have to make all the cards current by making minimum payments before they will approve the loan request. This stipulation was never disclosed to me in the application process or in the counter offer and they never discussed the fact that they do not consolidate credit cards that are past due. They have misrepresented the loan terms to me because they know I can not satisfy the terms in order for them to get out of having to fund this loan. Online the loan is saying approved on their website but they will not fund the loan.

      Customer Answer

      Date: 04/12/2023

      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:04/11/2023

      Type:Order 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.
      They have frozen my bank account. They could not find account with a bill multiple times. Try to pay instead They send a additional fee. Three calls of hours could unlock account nor remove the additional fees from not letting me make payment.

      Business Response

      Date: 04/19/2023

      ***** ******* 
      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 19,2023.  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,
      *******************
      Director of **** Services

    • Initial Complaint

      Date:04/11/2023

      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 6/29/19 my husband passed away unexpectedly. I informed MCU of his passing and supplied them with his official death certificate, marriage certificate, my husband's and my IDs, and a request to close the account and stop any and all correspondence. Not to mention 4 years before my husband's death he himself went to the Bronx MCU and pulled all of his money from the account due to ********************** service and $800 USD being stolen from his account. So in total, it has been 8 years and they will not stop with the notices. At this point, it has and still is affecting my mental health and healing to keep seeing my husband's name attached to anything attached to MCU. I have been repeatedly calling them to make them stop and to no avail they persist. I just want this to stop immediately. This is borderline menacing harassment. After 8 years most reputable entities would have closed the account and moved on.

      Business Response

      Date: 04/20/2023

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

      We are in receipt of the complaint for the above-referenced member.  We addressed this matter directly with the member by mail on April 20,2023.  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,
      ******************************************
      Interim Director of Collections

      Customer Answer

      Date: 05/01/2023

      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 have not received anything from them. This issue has not been resolved

       

       

       

       

       

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


      Sincerely,

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




       

      Customer Answer

      Date: 05/15/2023

      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 yet the letter but did get yet another zero statement for my dead husband ]

       

       

       

       

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


      Sincerely,

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




       

      Business Response

      Date: 06/09/2023

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


      We are in receipt of the complaint for the above-referenced member. We addressed this matter directly with the member by mail on June 9,2023.  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, ******* Services

    • Initial Complaint

      Date:04/11/2023

      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.
      On January 26th I try to purchased a ticket with British Airline using my debit card, while doing so my card said it was declined, I then used my credit card for purchase. The following day I noticed that my bank account was charged $490.45 the same amount for the ticket. I notified Expedia and my bank and I am still waiting for my refund. Im getting the runaround from MCU, saying that they are still investigating. Please look into this matter for me. Thanks in advance.

      Customer Answer

      Date: 04/13/2023

      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,

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



       

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