Complaints

This profile includes complaints for Memphis City Employees Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Memphis City Employees Credit Union

  2608 Avery Ave Memphis, TN 38112-4821

• 

  Memphis City Employees Credit Union

  2678 Mount Moriah Ter Memphis, TN 38115-1609

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:11/23/2024

  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.

  On 9/2/2023, I made a charge on my MCECU credit card. I paid off the charge at a MCECU branch on 10/11/23 before the due date, but the teller mistakenly applied the payment to my MCECU saving account instead of the credit card balance, resulting in me having a past due balance recorded on my next credit card bill (received 10/27/2023). I explained the situation to ***** and they claimed to have fixed the error, but the charge continued to appear on my credit card bill month after month despite repeated assurances from ***** that the problem was fixed. Finally in March 2024, ***** was able to fix the error, but by then this past due payment had been submitted to Experian, lowering my credit score. Experian stated they needed a letter from ***** explaining the mistake, but after this letter was submitted to Experian in June 2024 they contacted ***** to confirm our report of the mistake and MCECU erroneously told Experian that the missed payment was not an error. I had the Digital Branch Manager, ******** ********, resubmit the letter to Experian in July 2024, but ******** claimed that they could not find the letter in their system (10/2/2024). Experian told me it would be best to have MCECU email me the letter in question so that I can upload it directly to the account containing the service ticket for this issue. I repeatedly called Ms. ******** to obtain this (beginning 10/14/2024) but did not get a reply until 11/12/2024. Ms. ******** said she would send me a copy of the letter Experian requested. But as of 11/22/2024 I have not received a copy of the requested letter despite multiple attempts to contact her. I am filing this report as I am hoping that receiving a compliant from the BBB will lead to a resolution of my problem as I have run out of all other options.

  Business Response

  Date: 12/05/2024

  December 5, 2024
  
  RE: ******* ********* Complaint Activity Report Case #********

  
  This Response is regarding the Complaint filed on behalf of ******* ******** with the Better Business Bureau Consumer against Memphis City Employee Credit Union. The complaint indicated that ******* ******** requested a copy of the letter submitted to Experian.
  
  After receiving Mr. ******** complaint, a credit union representative contacted him regarding his complaint. When talking with Mr. ********* the representative explained that the credit union submitted a letter on May 9, 2024, to the credit bureau. However, the credit union will send a copy of the letter to him via email.
  
  If you need further assistance, you may contact us at ************ or ***************************************************************. 

  
  

  Customer Answer

  Date: 12/05/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and I accept their proposed resolution.

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

  , TN 38116

  
  

• Initial Complaint

  Date:06/17/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  June 17th 2024 I went to get food my for small now starving 2 boys and attempted to use my debit card at Kroger for $130.77. I attempted the trans but the pin failed so an attempted it as ********************** it still declined! Since I work for a different bank I figured it was fraud or something and tried to reset the pin in app but it doesnt give the option. Tried to link it to my cash app to transfer money and it declined and I checked my email and noticed the alerts! I called and spoke to a very rude lady who verified the trans verified me verified cash app etc ITS MEE!!!!! and said youre good to use the card etc. I asked her to hold for one sec no I didnt want any problems! She said no sorry I cant hold just call back! And literally hung up!!! I looked at the phone said my bank is so rude and proceeded to use my card! Its declined again sec times!!! Now in ****** bc this is now 20 minutes later we should be home making dinner now!!! I call again this time the wait is even long and get a different girl! Yes now in irate and cursing bc WTFFFF!!!! This is embarrassing and yall are starving my kids and I and causing life hardship!!! Ive never dealt with this ever in my 32 years of living! After this 2nd girl put me on hold for 10 minutes she comes back and does THE SAME THING verify everything then say thank you but you still not gonna be able to use it bc we cant remove this block! You have to call member serv when theyre open!!!! So you mean to tell me my kids and I cant eat tonight bc I chose this bank and yall are detaching me from my funds and well being, starving my kids and I? I got a manager who hung up on me. Called back and got another manager who seemed as if SHE DID NOT GIVE A F*** She told me to stop cursing. And was nonchalant AF!!! I need corporate involved bc I need monetary compensation due to this inconvenience!! Each associate GAVE NO F*** about my time, making life easy, or my well being!! Case number 9045 is what the last trifling ahh hungup!

• Initial Complaint

  Date:09/06/2022

  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.

  They stand behind and support employees lying to their members about products and services, lying to the police ABOUT their members just to get what they want, employees getting involved in the personal private family affairs of members, abusing their positions to lie to the police and have the police going to our home and place of employment , harassing members, and threatening members. When these things were reported to management, we were told we would be informed of results. No one ever called us back and we were brushed off when we called to check back. Twice. We have been harassed and abused by 3 credit union employees based on lies to the point we can't even go into the 2 branches closest to us and are having to close our accounts. Not to mention the trauma our 4 children have endured bc of this. Management stands behind these people and no one will tell us why this is happening as if we have done something horribly wrong but no one wants to tell us what. We have no clue why these people are acting this way and why management is allowing it

  Business Response

  Date: 09/26/2022

  Tell uSeptember 19, 2022
  RE: ******************* Complaint Activity Report Case #********
  This Response is regarding a Complaint filed by ******************* with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. The complaint indicated that MCECU employees harassed and threaten members.
  On June 27, 2022, ************************** made a complaint as it relates to MCECU employees which includes her daughter, and the member service in which she receives at both branch locations nearest her home. She also discussed auto insurance, her daughter having access to her and her children accounts, and details of private family matters regarding her daughter and one of MCECU employees.
  We assured *************** that we value her as a credit union member and want her to feel comfortable at all MCECU branch locations. ***** answered her questions and concerns relating to auto insurance. The credit union also informed her that MCECU have parameters and restrictions that employees cannot view their own accounts or family members accounts on our core system. In addition, ***** advised *************** that management would discuss her concerns with staff.
  On June 29, 2022, ***** contacted ************** informing her that management discussed with staff her concerns in which she identified. After receiving this complaint, on September 7, 2022, listing ******************* as the complainant, *********, *************************** spoke with *********************** to listen to his concerns and complaint while informing him of the previous outcome from ***************** verbal complaint in June, which are the same issues. They were both advised if anymore concerns, to please give us a call.
  MCECU staff made every attempt to promptly resolve this matter. We value our members,our staff and our organizations reputation.
  If you need further assistance, you may contact us at ************ or **********************************
  Sincerely,
  *****************************
  Chief ******************** why here...

• Initial Complaint

  Date:05/25/2022

  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.

  Began 04-21-22 Not willing to work with it's members and Not Trustworthy. Car payments where 53 days behind (ultimately, my fault) however, instead of a late notice (certified letter usually) of any kind they sent a Repo Truck (who also did not follow MS ***** Laws and is another issue). Called and spoke with a ************** the next day to explain but he would not listen, interrupted and was completely unprofessional and extremely Rude...He would not allow me to make payment for missed Month and demanded the entire Loan Balance be paid within 10 Days, $15,381.10! So, during the next 10 days I gathered the full pay off amount and returned with cash. I was told to deposit the cash into my savings account, which I did. They immediately applied to Loan Balance and quickly gave me the title and car...My Biggest issue is that while my vehicle was in the ***** care (locked in a gated storage lot) some ***** Employees took my vehicle out for a joy ride, stole my Dashcam by breaking it off the mirror, left trash all in it, ran it out of gas and I had to replace a tire as it was leaking air, not to forget that the left turn signal was also out. I can prove it was driven while in the ***** care because the employee's also left receipts with Dates and Times showing someone was using my vehicle during that time. I can't imagine this is allowed at any Financial Institution. I am out money for repairs and will have to replace the Dash-Cam and I'm sure the vehicle was driven Hard causing excess wear and tear not to mention the extra mileage and gas they used. About $1,500.00 They obviously did not expect us to return for my Durango and used it for Joy ****** but left plenty of evidence including finger prints and Video from Taco **** Purchase. Used the Receipt they left in the truck to track down video!

  Customer Answer

  Date: 05/25/2022

  See Attachment/File: Attachments

  Business Response

  Date: 06/15/2022

  June 13,2022
  RE: ****************************, Complaint Activity Report Case #********
  This Response is regarding Complaint filed by **************************** with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. The complaint indicated that **************** was 53 days behind on his automobile payment and due to the missed payment, his automobile was repossessed.
  On August 16, 2018, ****** and ***************************** entered a contract with Memphis City Employees Credit Union for $29,401.13, a 2017 Dodge Durango secured the loan. At the time of repossession assignment, the ******* were in default on this loan.Prior to repossession of the vehicle, late notices were mailed to the home address listed on their contract **************************************************************** 38661.Also, Memphis City Employees Credit Union Debt Solutions made contact by phone as it relates to their loan delinquency. Unfortunately, no payment arrangements or payments were made to bring the loan current. Therefore, on April 13, 2022, Memphis City Employees Credit Union sent a repossession assignment to a tow company. On April 22, 2022, ****** and ******************************* vehicle was repossessed and delivered to the ***** repo lot on April 25, 2022. On May 9, 2022, **************** paid their loan secured by the 2017 Dodge Durango in full, at that time the credit union released its lien and gave the title to ****************.
  ***** staff made every attempt to resolve this matter before hand with verbal and written communication. As a financial institution we are willing to collaborate with our members and we understand hardship situations. We value our members,our staff and our organizations reputation.
  If you need further assistance, you may contact us at ************ or *********************************.

  Sincerely

  *****************************, CRO

   

   

   

   

  Customer Answer

  Date: 06/21/2022

   
  Complaint: 17408676
  
  I am rejecting this response because: During the time my vehicle was in the care of C.M.C.U. it was used for Joy ****** and was Damaged, filled with Trash and Items Stolen! And, C.M.C.U. never notified us, by any means, about being behind.  Not by **** Mail nor Email! I told **************** I would pay the missed payments the next day, but he denied it and told me he required the Loan Balance Paid off within 10 Days or it was going to auction!  ********* does not work with people in hardships and ************** is repossessing vehicles for his on pleasure...joy riding repossessions of anyone he thinks doesn't have the funds to recover their vehicles. Not a Professional Institution!
  
  Sincerely,
  
  ****************************

  Business Response

  Date: 06/24/2022

  June 13,2022
  

  RE: ****************************, Complaint Activity Report Case #********
  This Response is regarding Complaint filed by **************************** with the Better Business Bureau Consumer against the Memphis City Employee Credit Union. The complaint indicated that **************** was 53 days behind on his automobile payment and due to the missed payment, his automobile repossessed.
  On August 16, 2018, ****** and ***************************** entered a contract with Memphis City Employees Credit Union for $29,401.13, a 2017 Dodge Durango secured the loan. At the time of repossession assignment, The ******* was in default on his loan.Prior to repossession of the vehicle late notices mailed to the home address listed on their contract of **********************************************************************. Also,Memphis City Employees Credit Union Debt Solutions made contact by phone as it relates to their loan delinquency. Unfortunately, no payment arrangements or payments made to bring loan current. Therefore, on April 13, 2022, a repossession assignment sent to a tow company. ****** and ***************************** vehicle was repossessed on April 22, 2022 and delivered to the ***** repo lot on April 25, 2022. On May 9, 2022, **************** paid their loan secured by the 2017 Dodge Durango in full, at that time the credit union released its lien,and the title given to ****************.
  ***** staff made every attempt to resolve this matter before hand, with verbal and written communication. As a financial institution we are willing to collaborate with our members, we understand hardship situations. We value our members, our staff and our organizations reputation.
  If you need further assistance, you may contact us at ************ or *********************************. 

  Customer Answer

  Date: 07/05/2022

   
  Complaint: 17408676
  
  I am rejecting this response because:

  It appears my complaint isn't understood.  While the vehicle was in the care of CMCU our vehicle was used for joy riding by bank employee's...and, items were stolen, damaged and left on Empty!
  
  Sincerely,
  
  ****************************