Complaints

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

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  My Community Credit Union

  600 W Louisiana Ave Midland, TX 79701

• 

  My Community Credit Union

  4037 W 42nd st Odessa, TX 79761

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:01/02/2025

  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.

  Hello, My complaint is due to My Community Credit Union charging me insufficient fund fees when my account does not show negative which then prompts my account to go negative. I would like for the bank to reimburse me for their error of charging its customers Overdraft fees on transactions that did not overdraw on the account. I do not have overdraft protection on my account, I requested upon opening my account that no transactions go through if there is not enough sufficient funds in the account.

  Business Response

  Date: 01/10/2025

  Please see attached.

• Initial Complaint

  Date:12/26/2024

  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.

  on 12/26/2024 my compliant with My Community Credit Union is about overdraft protection to what they recently changed to courtesy pay. When I first opened my account I asked them for no overdraft protection that if my account doesn't have the funds not to let any transaction go through. Upon speaking to a representative today he did state that he could see in the notes I requested back in the year of 2015 that I did not want overdraft protection (courtesy pay). In October of 2024 around the 23rd or 24th I had called the bank again for allowing items to go through and charging an overdraft fee and advised them again I did not want overdraft protection. To which the representative I spoke to on the phone on 12/26/24 stated it shows on there about me yet again requesting for no overdrawn transactions to not go through that I do not want over draft protection on my account. Today on the 26th of December 2024 yet they let more transactions go through. I called and **** representative states I'm not signed up to stop the overdraft protection unto which I inform him after all these years I've had where no transaction have been going through because I did not want any overdraft protection to which now they call courtesy pay. Why is it happening now. He stated that I now need to sign paperwork to stop it. I said back in October of ********************************************************** she just said she would put for the over draft protection to stop. I have on my account where is not even showing negative on my end from October 2024 and being charged overdraft fees which cause my account to go negative. The fees for December ************************************************* October 2024 it was called over drawn fees. This is kind of becoming a routine for them now to charge overdraft fees and charge customers for transactions that did not overdraw on the account. I have attached an image. I have not received information on policy change since 2015 for overdraft

  Business Response

  Date: 12/31/2024

  Please see the attached document for our response.

  Thank you.

• Initial Complaint

  Date:11/09/2023

  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 had a car loan with my community credit union, I made the last payment on 10/4/2023 total of $31.94 , they took another payment of $536.67 on 10/13/2023, I called on 10/16/2023 about the extra payment, I explained that I needed this funds for something else I had planned that was the reason I paid off loan on the 10/4/2023 they stated I need to close the account for them to send me a check , I said okay I will, then on 10/23/2023 I received a check for only 72cents! Im thinking this has to be a mistake I called them back same day explained what happened, they said sent check back to our address once we receive it will send you the original check of $540.67 I said thats fine I sent the check back the same day and picked the express 2-day option and paid $28.75 they received the envelope on Wednesday 10/25/2023 this is the confirmation number EI552491105US, have not received check nor email nor phone call. back from them I called back on 11/06/2023 they just keep telling me that they will call me back, I called again yesterday 11/08/2023 they said same thing they will call me back. I been waiting for almost 4 weeks and it seems that they dont care or act like they dont know what happened.

  Business Response

  Date: 11/14/2023

  Upon reviewing the case details, it is evident that there were oversights in processing the final loan payment and handling the subsequent overpayment. We understand the importance of prompt and accurate financial transactions and have taken steps to correct this issue. We apologize for the inconvenience.

  
  Our records show that we resolved this complaint with the member on November 10, 2023. 

  Customer Answer

  Date: 11/14/2023

  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.
  
  Regards,
  
  *****************************

• Initial Complaint

  Date:06/07/2023

  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.

  In January two of our debit card numbers were compromised. Fraud prevention contacted us, and the cards were turned off and had no other charges. **** services stated that they would take care of it and not to worry. All 3 charges were for **** Kitchen in ******.We received a letter showing that the charge for ****** was refunded. However, the charges for ****** and ****** were not addressed. We called card services several times and after a lot of time wasted they stated that only the credit union could help us. We called the credit union and was told only card services could help. We went in circles again and I finally asked to speak with a manager at the credit union. The representative said the manager was with a customer and would call me back. Never received a call from them. I called back many times asking to talk to a manager to no avail. To date neither card services nor the credit union have addressed the issue. We been members of the credit union for 20 plus years. Thought they would have taken better care of us. I have uploaded an image of the refunded charge, and an image of my bank statement showing all 3 charges.

  Business Response

  Date: 06/14/2023

  Please see the attached document.

  Thank you.

• Initial Complaint

  Date:02/03/2023

  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.

  *** had numerous of issues with **** and this past issue is unacceptable to me.! Unfortunately I had a lapse in car insurance and have valid reasons why. MCCU added their own collateral insurance to both my car payments that I have financed by *****! **** deliberately returned my car insurance premium of $445 in order from MCCU to continue profiting from me, the consumer! I definitely feel they are retaliating against me for the numerous VALID complaints regarding overdraft fees using my checkcard aka debit card! I also feel MCCU is racist towards Hispanics per their ****** reviews..!! I have attached a screenshot from MCCU mobile app reflecting the available balance and the amount of $445 to Progressive. On February 2nd I requested a call back from someone in the Office of the President to return my call and havent received a callback yet! I would like to request that MCCU send a letter to Progressive County aka *********** reflecting a bank error so I am able to continue to be in good standing with Progressive and to again purchase car insurance with Progressive since Progressive was cheaper than other car insurance companies. Thank you..!

  Business Response

  Date: 02/07/2023

  Thank you for the opportunity to review and respond to this complaint. 

  Customer Answer

  Date: 02/14/2023

  Complaint: 19329949
  
  I am rejecting this response because:

   

  The following issue hasnt been resolved! The screenshots I submitted as valid proof doesnt justify MCCU response and while MCCU has not submitted proof other wise..The photos clearly reflects funds were available and if MCCU reflects something different than what MCCU is reporting to their clients via mobile app and online banking then there is a serious issue and MCCU is definitely falsifying clients information regarding their money that clients are entrusting MCCU with.!!

  
  
  Regards,
  
  *********************

  Business Response

  Date: 02/15/2023

  In the complainants response she states the credit union acted maliciously regarding her funds availability, and claims that the screenshots she has provided prove the funds were actually available when her payment was returned. Here is a breakdown of how payments are processed at MCCU, and how this relates to her payment being returned.
  
  MCCU processes transactions in the order stated in our account agreement. ***s in particular are processed in the order they are received. (It should be noted that *** debit entries cannot be posted before their effective entry date, which comes into play below.)  If multiple ***s are received in one batch, they are processed in order of amount, from smallest to largest, which reduces the amount of possible NSF fees charged to our members.Debit card transactions are processed more quickly than *** transactions because they are processed in real-time, while *** transactions are processed in batches and take longer to move from one financial institution to another.
  
  Before the *** transaction was received by the credit union, the complainant had authorized several debit card transactions, reducing the available balance in the account. The *** entry for $445.00 was received with an effective entry date of 2/2/2023, and was posted in ascending order by amount, as stated above. By the time the entry for $445.00 was posted, several *** entries of lesser amounts had reduced the available balance even further, leaving an insufficient balance to cover the payment.
  
  Regarding the screen shots uploaded by the complainant, the credit union uses the available balance to determine whether there are sufficient funds to pay items, as opposed to the actual balance. Both terms are defined in great detail in the account agreement. The actual balance reflects the full amount of all deposits to the account, regardless of whether any items are pending. The available balance reflects the funds that are actually available, which means pending items are subtracted from the balance before they have cleared the account to more accurately measure what the balance will be.
  
  The credit unions online banking platform and phone app both show the current, available and actual balances on the main screen, and the available balance is labeled accordingly. However, the balance in the transaction history will only show the actual balance at the time the transaction was posted. Therefore, reviewing the transaction history within the application, after a transaction has already posted, is not reflective of the available balance at the time transaction was initiated. Again, the current, available balance is shown on the main screen of both the online platform, and the phone app and is continuously updated as transactions are posted or cancelled.
  
  Therefore,no error has been made by the credit union, and MCCU cannot send a letter to Progressive stating the returned payment was a bank error.
  
  Due to privacy regulations, we cannot provide additional information to justify the credit unions response.
  
  
  
  Thank you,
  My Community Credit Union

  Customer Answer

  Date: 03/02/2023

  Complaint: 19329949
  
  I am rejecting this response because:

  Per this screenshot is another example how MCCU SYSTEM continues to reflect incorrect information and definitely proves that MCCU will charge an overdraft fee first then send the item back!  Yet to this day I have no idea why I was charged $32 overdraft fee when I clearly had enough funds to pay $145 to Conns per MCCU mobile app the balance after Fig was paid reflects $226.13 then for some odd reason I was charged $32 overdraft fee then $145 to Conns was paid!!!! Now, does **** finally realize why Im upset and filing complaint In which I have a right to.! By all means Im not trying to ruin MCCU reputation!! Im try to get MCCU to justify their reasons to do this to their clients/members! Perhaps MCCU needs to contact their system developers to fix this glitch! 

  And due to MCCU retaliation and threaten to be sued, I can no longer contact MCCU by email, phone, or walking to one of their lobbys due to a letter I received from MCCU law firm please respect my request and close our checking account with MCCU effective today! 

  I have uploaded an additional screenshot of todays information that is currently reflecting on our checking account. Please tell me why I will be charged an additional overdraft fee of a point of sale purchase to ******************* when I have to have funds in my account to make any purchases using my checkcard aka debit card! I no longer have customer courtesy pay from MCCU and though that item of $11.67 is pending for a purchased I made yesterday, February 22nd I will be charged another $32 dollars for MCCU system! 

  
  
  Regards,
  
  *********************

  Business Response

  Date: 03/03/2023

  Dear Madam,

  
  The credit union has attempted to explain this situation to the member on multiple occasions, which included our SVP of Branch Operations reaching out to her prior to the complaint being filed. Our ********************* has reviewed the complaint and determined no error has occurred. We have broken down the situation in great detail in our written response to you, the Better Business Bureau.
  
  Based on her most recent reply, it is apparent that ***************** will not be satisfied, regardless of how thorough our explanation is, as all of her assertions in her most recent comment were addressed in our previous response, as well as the numerous discussions had prior to this complaint.
  
  Due to her abusive conduct towards our staff, which is in clear violation of our Member Conduct Policy, we have taken action, at the advice of our attorney, to limit ******************* service with our credit union. We are confident we have handled the situation appropriately and can offer no further information that would constructively add to our previous responses.
  
  
  
  Respectfully,
  My Community Credit Union

• Initial Complaint

  Date:06/09/2022

  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 have inaccurate items on my credit report that I disputed and I never got the results within 30 days. This account is reported without valid evidence.MY COMMUNITY ***************** $317.00