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Business Profile

Credit Union

USAlliance Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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USAlliance Federal Credit Union has 5 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:04/08/2025

      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.
      We paid off this overdraft on march 11th of 2025 and they are not reporting this to Chexsystems at all . We paid the ****** the full balance to their lawyers and they told us we owe them the balance . Please update the balance to $0, we paid this already . Its been almost a month

      Business Response

      Date: 04/08/2025

      Good afternoon,

      Attached please find our response to the consumer's complaint.  Please feel free to reach out if you have any questions.

      Sincerely,

      USALLIANCE Financial

    • Initial Complaint

      Date:12/04/2024

      Type:Customer Service 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 opened a new account with ********************** after closing my account with ****** they send me a check out with my remaining balances in my accounts with them and I deposited it through mobile at USALLIANCE. After Review they told me thats my check was rejected for being altered even though its an official check and they will not call to verify. They just assume and told me nothing else could be done and that I should call Penfed to get a new check and they cant do anything else nor would I be able to use any service of theres in the future. Im highly disappointed and baffled. They care none for their ************* would like for them to call and verify and open back my account. Its unacceptable knowing its a official check and nothing fictitious about it.

      Customer Answer

      Date: 12/28/2024

      Better Business Bureau:

      At this time, I have not been contacted by USAlliance Federal Credit Union regarding complaint ID ********.

      Sincerely,

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

      Business Response

      Date: 01/07/2025

      Good morning,

       

      Attached please find our response to the consumer's complaint.  Please feel free to reach out if you have any questions.

       

      Sincerely,

      USALLIANCE Financial

    • Initial Complaint

      Date:08/20/2024

      Type:Billing Issues
      Status:
      Unanswered
      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.
      Hello,I'm emailing in regards to requseting that you forward this information directly to your fraud department - I had recevied a notification from my credit monitoring service that a hard inquiry was performed on my credit. I called Experian immediately and was advised that they would remove the item due to id theft I was also advised that they would contact the creditor directly with this information so they are aware, but was advised that I should send the creditor my FTC Identity Theft report that was filed so you would have it for your records and to make sure nothing was opened in my name resulting from this hard inquiry. I'm attaching a copy of my FTC Identity Theft Report directly to this email for your review. Thank you for your assistance please let me know if anything else is needed from my end.

    • Initial Complaint

      Date:04/11/2024

      Type:Customer Service 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 need the company to contact me because their live chat keeps having me wait endlessly despite saying only 2 minutes and my external transfer is still on hold. See screenshot.

      Customer Answer

      Date: 05/06/2024

      Better Business Bureau:

      At this time, my complaint, ID ******** regarding USAlliance Federal Credit Union has been resolved.

      (By clicking "OK", your complaint will be closed as Resolved.)


      Sincerely,

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

    • Initial Complaint

      Date:02/29/2024

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 a new high yield savings account to take advantage of the high interest rates. The account opened with no trouble and I attempted to transfer money from my bank to the credit union. After two days I was locked out of my account and the transfer was cancelled. When I called to inquire about what was going on with my account, they told me it had been closed but would not give me a reason why. I spoke to two different people who told me two different things, but would not confirm anything with me. They said I was not eligible to open another one and that an explanation letter would be mailed to me. No letter came, however a debit card and a welcome letter came after the account was closed. I did not attempt to pursue it further and I decided to go to another financial institution with my savings.

    • Initial Complaint

      Date:10/03/2023

      Type:Product Issues
      Status:
      Unanswered
      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.
      Urgent! Four calls in and this thus far and emails? Canceled debit and credit card. Stolen not lost. Any charge after the September 23rd need to be disputed. I also found two older fraud charges.7/10 SQ Law Offices $450 and 8/23 IAT Withdrawal IAT PAYPAL ************* *************************** $52.50 These are fraud. Please refund those amounts today. Thank you.

    • Initial Complaint

      Date:08/07/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      USAlliance Financial advertised a $250 bonus for opening a new MyLife Checking on or after 1/1/23 using the promo code ********** if 1)a minimum direct deposit of $2000 was made for 3 consective months w/ the first qualifying deposit being made within 60 days of opening the account AND ***** account maintained an average minimum balance of $500 or more OR had 25 or more debit purchases for 3 consecutive months w/ the first qualifying month starting within 60 days of opening. I opened a new MyLife Checking on 3/18/23 using the promo code. I had 3 months of consecutive directs deposits of $2000 each go into my account on 3/29/23, 4/12/23, & 5/11/23. My average minimum balance for ****** May, *********** were $1084.04, $771.74, $572.12 & $534.98, respectively. Per their advertised promotion, I should have been credited the $250 on or before 7/30/23. On 8/1/23, I called USAlliance customer service and talked to ********************** first told me that she checked with her supervisor and was told to look at my account & see if there was any instance where the balance fell below $500 and, if she found any, she was to tell me that that was why I didn't get the bonus. ******* initially expained that I did not get awarded the bonus because my balance dropped to $490 for 5 days in July. After 40 minutes of reading over the actual offer w/*******, explaining to ******* how to calculate AVERAGE minimum balances and ******* going back and forth to verify the math with her supervisor, ******* acknowledged that I did make 3 consecutive qualifying deposits and that my average minimum balance was above $500 for 3 consecutive months. She told me she would forward those details to the promotion department so that they would have all of the facts on hand when they received the case and that I should hear back from USAlliance in 1-3 days. I have yet to receive a response from USAlliance or the bonus.

      Customer Answer

      Date: 09/02/2023

      Better Business Bureau:

      At this time, I have not been contacted by USAlliance Federal Credit Union regarding complaint ID ********.

      Sincerely,

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

    • Initial Complaint

      Date:07/20/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 US Alliance May in an effort to have an account when I am back home in ** visiting. It has been a complete nightmare. They took a US Treasury check and attempted to hold it for 14 days. I Fought to get the check released, they blocked me at every turn to get my funds out of the account. Refusing to give me assistance because they felt I didn't have enough time with them. The only transaction I was able to do on the account was in their shared branches. July 12th I logged into my account and saw ***** was missing. 4 transfers to another member had occured within minutes of each other 3 stating for rent and one for a mortgage. I called immediately for Help. Was told an investigation would take place and be completed in 1-2 days. Thursday 7/13 I called and was told a form would be sent to me NO FORM WAS SENT. 7/14 Friday I called was sent a form and told I had to get a police report. I filed a police report with local police and called back and provided the case number. Monday was told the 1-2 days was incorrect its 10 business days which is too long to be blocked from your money. today 7/19 I called was told *********************** the fraud manager would call me. I called after i got an email to register for the new digital platform when I logged in I saw my funds were back on my balance. The rep I spoke to told me i couldnt use the funds and ***** would call me. ***** calls me today and advises that he was closing my account. He advised that the day my account was opened a different device was autheticated i have never authorized a device or another person to login. I am a victim this person could have cloned the account or anything i dont know them and im being punished for being the victim. He also states that since the thief withdraw ***** from my account i will receive a check for the remaining. The bank doesn't want to take the loss for letting them withdraw the reported stolen money so I have to

      Customer Answer

      Date: 08/14/2023

      Better Business Bureau:

      At this time, I have not been contacted by USAlliance Federal Credit Union regarding complaint ID ********.

      Sincerely,

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

    • Initial Complaint

      Date:06/30/2022

      Type:Billing Issues
      Status:
      Unanswered
      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.
      Their payment website was on the ***** for days so I mailed my credit card payment ten days before due date. They claim they did not receive it and said it was past due and charged me a late fee. I want the late payment notation removed and the late fee removed.

      Customer Answer

      Date: 07/25/2022

      Better Business Bureau:

      At this time, I have not been contacted by USAlliance Federal Credit Union regarding complaint ID ********.

      Sincerely,

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

    • Initial Complaint

      Date:06/07/2022

      Type:Product Issues
      Status:
      Unanswered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My card was charge in excess by an unauthorized user multiple times starting on 5/27-5/29 2022. I was notified through a text message banking alert that there might fraudulent transactions on my card through US Alliance. Since it was the Saturday before Memorial Day, I immediately reported my card as stolen/compromised-but charges somehow still got through on Sunday. I then called them 5/31. While speaking with an associate, they sent me a Fraud Dispute Form to which I completed and sent back to them detailing all the transactions. That Friday night 6/3, I received an email from US Alliance notifying me that they were "voiding" my dispute form because the merchant were the fraud charges occurred refunded me money back and that somehow establishes a relationship. I tend called them back and told them I have no idea as to why the merchant refunded my money back but I never authorized the approx. $ **** that was charged in the first place. They informed me that I need to get in contact with the merchant. I have told them the merchant isn't answering any calls or emails and now US Alliance is going to hold me responsible for $**** worth of fraudulent charges that is now on my credit.The Transactions I am referencing are listed below**** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ *********** *** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ************** *** ******* ** *********** ************ ***********

    USAlliance Federal Credit Union is NOT a BBB Accredited Business.

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