Complaints

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.

• Initial Complaint

  Date:11/13/2023

  Type:Product 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 made a large deposit to Members 1st Credit Union and I was told via letter the money would be available by November 6th. They have blocked my online access and can not withdraw the money!

  Business Response

  Date: 11/30/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 11/30/2023.

• Initial Complaint

  Date:11/07/2023

  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.

  My name is ******* ******** on 11/06/23 I came into Members 1st Federal Credit Union *** ********** ****, Harrisburg, PA ***** and I got two needs replacement debit cards for me and my mom ******** ****** because for a whole week now we been having issues using them online and at ***** pay but still not resolved yet and they charged us for $10.00 for a replacement card that still isn't working that wasn't our fault we want the $10.00 to be waived and the account to be checked into why we still cant use our cards at apple pay or online look at my receipt below attached.

  Customer Answer

  Date: 11/17/2023

  I also need the $-36.34 overdraft fees or negative fees to be credit back in my account too please.

  Business Response

  Date: 11/20/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 11/20/2023.

  Customer Answer

  Date: 11/20/2023

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
  
   Complaint: ********
  
  I am rejecting this response because:Is my issues resolved or no?
  
  Regards,
  
  ******* ********
  
  
  
  
  
  
  
  
  

  Customer Answer

  Date: 12/03/2023

  I also need my $37 something cent return fee to be waived for me please.

  Customer Answer

  Date: 12/18/2023

  I like y’all to fix this issue every time I call in or my mom ******** ****** y’all can help me without stepping into a bank I am getting tried of this issue’s going to the bank for something I can get help with over the phone pleases remove the phone support restrictions on my account and any other account restrictions that’s is on my checking account and saving account and any blocks that is placed on both accounts please remove them for me ******* * ******** and ******** * ****** and remove phone verification issues on the phone so when I call in or she do they can help us without going to a bank.

• Initial Complaint

  Date:10/20/2023

  Type:Order 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 have been with members 1st for over 20 yrs. I had fraudulent charges occur on my cc. Members 1st contracts company to deal with this. I had 5 fraudulent charges i was remberised for all of them. Then they took back 2 of them which i am still owed. I have contacted both bank and contract company several times to no resolve. Apparently bank and company cant interact with each other. I have been dealing with this for 4 months now i am disabled on fixed income. This bank is horrible to deal with over this matter. It isn't that much money either under $300. Go elsewhere i will be after 20 years of my business.

  Customer Answer

  Date: 10/25/2023

  I received a refund from members 1st on this issue. If something else comes up i will be in contact.

• Initial Complaint

  Date:10/12/2023

  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.

  With existing third party/business partner relationships setup between myself (my Savings Account) and third party (Mortgage Company, Utilities, etc...) that is pulling money from my account, M1 will charge an NSF if if encounters non-sufficient funds. The charge is $37.00 for each NSF. I recently had two on an account to equal $74.00. The problem/issue is that the Savings account provides no way to setup Overdraft Protection for me to avoid this penalty. I am charged a fee that I cannot protect myself against. I do not see how this is right, legal or customer focused. Having no knowledge of this before setting up the third party/external connection, its very cumbersome and mistake prone to correct this now by moving multiple funds and contacting multiple third parties to pull from a Checking Account that does have this feature. I dont know why the bank cant add this Overdraft Protection feature the Savings accounts as well to protect its customers and get rid of these fees.

  Business Response

  Date: 10/18/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 10/18/2023.

• Initial Complaint

  Date:10/03/2023

  Type:Service or Repair 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.

  my mother passed away in January 2023 and left me her son ********************* me with camper payment of 300.00 i am on social security disability it takes every i have to make ends meet members 1st up my mothers camper payment to 360.00 i tried talking to them to put the payment back to 300.00 they refuse to take their insurance off the camper payment and i have my own insurance on the camper.I'M being double tapped on the payment members 1st did this without my knowledge please help i just want the payment back to 300.00 dollars this all started when my mother went to ********* nursing last october

  Business Response

  Date: 10/26/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 10/26/2023.

  Customer Answer

  Date: 11/17/2023

   Complaint: ********
  
  I am rejecting this response because:
  This is To The Best of My Knowledge 
  camper was my mother's, she payed the insurance on the camper, when she passed away, I was quite distraught. I did not realize how much time pasted. 

  When Member's 1st contacted me by mail adding another 359.00 to the already 300.00 camper payment.  The payment came to 659.00.  I'm on disability.  I told them Member's 1st I could not pay that amount so I put insurance back on the camper.  I even showed the the death certificate and tryed to get them to take Mother's name off the camper **** * ******* They refulsed.

  Member's First want a paper from the court house to look through her estate. She did not have an estate. 

  Once I got insurance on the camper they refused to take it off know matter how many times I ask. If they refuse to remove the insurance they put on the camper I will drop the insurance I have.  I will not be double tapped for insurance and the camper hasn't moved since Covid started. 

  I'm tired of arguing with them 
  
  P.S. Why did they not text me
  Regards,
  
  **** ******

  
  

• Initial Complaint

  Date:09/13/2023

  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 have been a member of this institution for many years. In the past year, I suffered several serious medical conditions that kept me from working and caused financial distress. I contacted this institution when I saw that my account was going to be overdrawn and I was told that if I paid a $30 fee to stop payment on an amount that was coming out that there would be no further charges. I paid the fee and my account was in the positive somewhere around $20 and I made no further charges to my account after this point. The only charge attempts were automatic that I tried to stop and could not stop, but was told that the stop payment would keep charges from incurring. That was on a Friday. The following Monday I noticed there were more charges of over $100 in fees only. I called and asked to close my account and was told that I could not close the account until I paid the fees. I had made no additional charges and was told that I would not have any more fees. The employee was very rude and abrupt. After that, I was checking my account and it went up to almost $800 in all fees, no charges by me. no money was paid out to anything, it is all fees. I was told by employees that there would be no more charges as I did what they asked and paid the stop payment. They closed my debit card, but refused to close my account. I checked this morning , and my checking account is now closed, and the institution stole without our permission all of the money that was in my childrens, including a minor child savings accounts . While it was not a large amount of money in any of the accounts, the money belongs to my children and not the financial institution, and they had no right to take it. And I attempted to follow their requests and regulations, and was charged astronomical fees for basically nothing, when I had tried to keep this from happening. I find this practice unacceptable and incredibly unfair.

  Business Response

  Date: 09/26/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 9/26/2023.

• Initial Complaint

  Date:08/15/2023

  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 received in the mail a bank statement (note that I am enrolled in electronic documents), on which it indicated my balance was zero and the account was closed. I called customer service and was told that a dormant letter was sent in April 2021 (I do not recall receiving this). At this time, there was roughly $122.00 in the account. Since that point on, I was being charged $20 per quarter for a dormant account, without any further notice. Once the account balanced reached zero, it was closed. Their website defines dormant account as Dormant/Inactive Account (applies to accounts with no activity for 18 or more months). There is a small dividend paid each month which should be considered activity. For an institution that states Everything we do is in the best interest of all of us, they could not even make an effort to call or send subsequent notices. Im seeking full restitution of the account balance.

  Business Response

  Date: 09/08/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail and email to this individual on September 8, 2023.

• Initial Complaint

  Date:07/19/2023

  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 am not liable for this debt with Member 1st. I do not have a contract with Member 1st Fcu, they did not provide me with the original contract. as I requested

  Customer Answer

  Date: 07/19/2023

  I wanted to reach out I do not have documentation that I sent to the bank. The hard inquiry was placed on my account and I don't know where it came from the only, information I have is from ****** ***** that's provided proof to me. 

  Business Response

  Date: 07/26/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 7/27/2023.

• Initial Complaint

  Date:07/17/2023

  Type:Service or Repair 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 was being charged overdraft fees of $37 at least 3 times putting me in the negatives $133. I was charge once for .45 cents. I turned this off specifically so this did not happen. It's happened multiple times now where they take all of your money with no grace period. It’s absolutely ridiculous they will not resolve this issue and expect you to pay $100 in fees. They say they put members first but they do not.

  Business Response

  Date: 07/21/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail on 7/21/2023. 

• Initial Complaint

  Date:07/10/2023

  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 deposited a check to cover an overdrawn balance and saw that I had a positive balance. Meanwhile, they decided to hold my check (which had already been taken out of my other account) and proceeded to charge me another $111 in fees when transactions tried to come out of my "overdrawn" bank account because my check was put on hold. This just feels like a huge scam and is totally wrong to those of us struggling in these difficult financial times.

  Business Response

  Date: 06/29/2023

  ************************* is not a member of our Credit Union. We are Members 1st Credit Union located in St. Louis, MO. She is a member of Members 1st Federal Credit Union located in ************. The snapshot she provided clearly shows ***** on it. Also, she is located in Columbia, Pennsylvania. Our field of members only includes St. Louis City, St. Louis County, St. Charles County, Franklin County and Jefferson County which are all located in Missouri. We do not offer membership to individuals living in Pennsylvania.

  We often get calls from members of Members 1st Federal Credit Union in ************. When they search for Members 1st on the Internet, we usually pop up before Members 1st Federal Credit Union. She needs to reach out to the Better Business Bureau in Pennsylvania to address this matter.

  Business Response

  Date: 07/20/2023

  Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 7/20/2023.