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Business Profile

Credit Union

Western Sun Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Western Sun Federal Credit Union has 6 locations, listed below.

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    Customer Complaints Summary

    • 2 total complaints in the last 3 years.
    • 1 complaint 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:12/03/2024

      Type:Billing Issues
      Status:
      ResolvedMore 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 sent 150 dollars months ago through ****** on May 6th and the payment never made it to my account. When I contacted ******, they claimed that the payment is an authorization and not a refund, and said I should contact my credit card issuer to release authorization ****** since the payment was completed on their end. I tried contacting Western Sun several times but they did not respond. The money is still missing after months of no help.

      Business Response

      Date: 12/03/2024

      To address the concern of the deposit in question, after researching the account, ********************** was given to the member via her checking account on 12/2/2024.  However, I wish to address the statement that there were several attempts to contact Western Sun, but we did not respond and the money is still missing after months of no help.  We did not learn of this issue until October, 2024.  A representative of one of our branches has had several conversations with this member since October, ************************************************************** an attempt to resolve this matter and we have documentation to support those conversations.  We made several attempts to prompt return calls from her, but were often told she couldn't or was too busy to do so.  As a financial institution, we provided the same level of member service to this matter as we do any matter regarding one of our members.  Thank you.

       

       

      Customer Answer

      Date: 12/03/2024

      I have reviewed the business response and accept this resolution. 
    • Initial Complaint

      Date:10/10/2022

      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 paid a vehicle loan off in 2006. I never received a lien release on that vehicle despite asking multiple times over the years. It's 2022 and I paid off another loan this year on September 19th. I asked about getting my lien releases. It's October 7th 2022 and I have still have not received either lien release. Every time I ask I get treated like I'm a lower life form and told its in the mail that there's nothing I can do but wait. Pretty sure I've waited long enough, they told me it would take 7-10 days. The company has not held up their end of the relationship.

      Business Response

      Date: 01/11/2023

      Business Response /* (1000, 5, 2022/10/12) */ As is our standard practice, at the time the consumer paid off the loan in 2006, the lien release was mailed to the current address of record. If it was received, we cannot attest to that as we do not control the USPS. We have no other record of any requests for that specific lien release until the request was made on 10/6/2022. The 2006 release as well as the release from the 9/19/2022 payoff were both mailed on 10/7/2022 along with the consumer's account closure check, per the consumer's request. Yes, we did tell both the consumer and spouse that the documents were in the mail along with the check and that there was nothing which could be done except wait for the mail to arrive, since once again, we have control over the postal service. The credit union feels we have done everything possible to "hold up our end of the relationship" despite the verbal assault numerous employees have endured from the consumer. It would be a far stretch to describe our actions toward the consumer as being "treated like a lower life form" given our treatment from this consumer. On 9/19/2022, the consumer entered our main branch location to pay off a loan. Shortly into the transaction, the consumer began cursing at the teller in a very aggressive and threatening nature as to questions she was asking. At this point another teller walked up to intervene and he was verbally addressed in the same manner. A supervisor approached the teller line and began to discuss the matter with the consumer at which point she was referred to in a very derogatory, inappropriate name. During this entire interaction between the consumer and our 3 employees, another credit union member in an adjacent teller line made a comment to the consumer as to the disrespectful and rude manner in which our employees were being spoken to. Fast forward to 10/6/2022, when the consumer contacted our main branch location to inquire about the lien releases. A staff member in our collections department received the initial call as the consumer proceeded to verbally assault said employee over what he perceived as being a bad attitude. This conversation included foul and abusive language toward our employee. The consumer at that point asked to speak to a branch manager. The branch manager got on the phone and attempted to resolve the consumer's issue. In spite of the cursing and abusive language, the branch manager assured him that the lien releases would go out that day in the mail. The manager assumed the matter had been resolved. Later that evening, the consumer called the main branch location again and asked for the manager, while I was present in her office. He was inquiring as to why he was charged finance charges when the loan was paid off. The branch manager began to explain how simple interest works and that the charges were interest accrued from day of last payment to day of payoff. The consumer began yelling, screaming and cursing at the manager claiming she had an attitude and told her to close his account at once and send him his money. At this point, the manager asked me to intervene on the call. I intercepted the call and explained essentially the same thing the manager had regarding the interest charges. The consumer said OK and appeared to be satisfied with the answer. He then wanted to ask why he is always treated with attitude anytime he comes in or calls in. I mentioned to the consumer that if for some reason our staff was rude or appeared to have an attitude with him, which we did not, that it could stem from the verbal abuse our staff has endured from him for no reason at all. The consumer stated he has never raised his voice, been rude or cursed at any employee of this credit union, (which is all documented on video and recording). I stated that I did not want to argue with him and he immediately unleashed on me obscenities and very foul language at which point I advised him that I was hanging up the phone, which he managed to do after screaming into the phone. On 10/7/2022, the consumer once again contacted the credit union asking where his lien releases were at. The receptionist forwarded the call to me at which time I explained that the lien releases along with his close out check went out in the mail as he was advised the previous day. I told him I had witnessed everything being processed by the manager and he would simply need to wait on the mail for delivery, that we have no control over how quickly it gets delivered to him at which point he started to yell and scream at me..."just do your job, just do your job, just do your job" and then slammed down the phone. About half an hour later the consumers wife phoned the credit union at which time, the receptionist notified me of the call as I had requested and she stated she was calling about the status of the lien releases. I explained to her that I had just spoken to her spouse and I told her exactly what I told him previously. Approximately 3 to 5 minutes later the consumer called back and one of our MSRs took the call and he immediately began screaming and yelling at her. She attempted to tell him what he had already been told on other occasions. He interrupted the MSR and began screaming..."I want my lien release, I want my lien release, I want my lien release" and the MSR had to speak over him to once again let him know, it was in the mail. That is the last contact we have had with the consumer until we received this complaint. Consumer Response /* (3000, 7, 2022/10/13) */ (The consumer indicated he/she DID NOT accept the response from the business.) I don't have my paperwork, at this point it's ridiculous. Just do your job Business Response /* (4000, 11, 2022/10/27) */ The check to close his account and the 2 lien releases in question were mailed on the date that was previously mentioned, to the address of record. If the consumer would like to pick up his lien releases in person, he simply needs to let us know when and at which branch he intends to come to. We will prepare copies for him. We will also issue a stop payment on the check and re-issue for him to receive at that time. We will however, not be subjected to any derogatory and/or inappropriate actions or language upon his visit to the branch as we have endured multiple times in the past. He just needs to stop at the reception desk and his documents will be ready to receive.

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