Complaints

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

close

Find a Location

Utah Community Federal Credit Union has 25 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Utah Community Federal Credit Union

  360 W 4800 N Ste E160 Provo, UT 84604-5675

• 

  Utah Community Federal Credit Union

  1900 N Canyon Rd Provo, UT 84604-1664

• 

  Utah Community Federal Credit Union

  196 N West State Rd American Fork, UT 84003-1457

• 

  Utah Community Federal Credit Union

  105 E State St Pleasant Grove, UT 84062-3612

• 

  Utah Community Federal Credit Union

  305 W 800 N Orem, UT 84057-3859

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:05/12/2025

  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.

  I fell behind on my auto loan due to medical issues. I emailed UCCU on 4/18/25 and asked if they could bring my account current and then I’d be able to make on time payments moving forward. I received a response from a representative that stated “yes, we can bring the account current.” I received no further communication. I reached out to the same representative on 5/1/25 and inquired about if any steps were needed on my end. I didn’t get a response. Today 5/12/25 the business repossessed my vehicle. This is a deceptive business practice as I was told in email they could bring the account current, didn’t do so, and then proceeded to repossess my vehicle.

  Business Response

  Date: 05/14/2025

  *****,

  Thank you for bringing this situation to our attention.

  My name is ******* ******** I'm UCCU's VP of retail operations. I'm very sorry about your medical challenges and how this situation was handled.

  I'm working with the various departments that might have been involved in this situation to get answers. 

  I wanted to confirm that we received your message, and we are actively working to find out why this situation transpired the way you outlined.

  I will respond again within a few days with more details. 

  Thanks again,

  *******

  Customer Answer

  Date: 05/16/2025

  
  Complaint: ********
  
  I am rejecting this response because:
  I am only “rejecting” the response as there are only two options and the other would close out the complaint. I appreciate you looking into this and look forward to your response. 
  
  Sincerely,
  
  ***** *****

  Business Response

  Date: 06/02/2025

  Hello *****,

   

  As you are aware, this email was sent to you previously:

   

  Dear ***** Lever,

   

  I spoke with ****** today who let me know of your situation. She explained that she made a statement to you about bringing your loan current. Then unfortunately, it was repossessed a month after this correspondence. I have reviewed ******** correspondence with you. It is clear that she stated that we can bring it current. She also did make a statement about our need for your other loans to be paid current to receive remedies. While I do not agree with your assessment of this being deceptive practices, I understand why you feel frustrated about this situation. This email correspondence occurred one month before any action was taken, in addition, on May 1^st you sent an email further asking for clarification on what was needed for the loans to be brought current. This email was sent 12 days before the vehicle was ever picked up. 

   

  I would like to come to an agreement with you so that your vehicle can be redeemed. At a minimum, due to the circumstances we will be waiving any repo fees and any marks that would affect your credit related to this repossession. However, you still have an RV loan, your personal loan, and a credit card that will need to be paid. We cannot release a vehicle without there being some agreement or understanding as to what plan may be set up to pay these loans. 

   

  Here are some questions to consider: 

  • Do you own any real estate property that we could consolidate this debt into? 
  • Would you consider selling off your recreational vehicle to consolidate some of the debt?
  • Would you consider a cosigner that could strengthen your position in these loans? 

   

  I look forward to hearing from you. I am sorry for how frustrating this situation has been considering what your expectations were. Please let me know your thoughts. 

   

  Also, we tried to reach you by phone with no success. Do you have a phone we can use, or would you prefer correspondence by email? 

   

  Sincerely,

  *****

• Initial Complaint

  Date:04/25/2024

  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.

  UCCU partially helped me with small claims issue. which they caused due to not following proper protocol. they sent a check for a auto purchase and didn't add info on the back to take the lein over to move the title to me so the other bank just released the title to the previous owner. the previous owner then kept refusing to sign title to me after and ran with the car. UCCU kept avoiding any responsibility and charged on collateral protection insurance due to signed agreement for loan. someone else had insurance on the car and uccu refused to remove **** I have talked to ****** site management and they said ************ in collections only had the power to refund the **** ************ has not sent any response to 3 emails now over a year and uccu is refusing to take any responsibility in their mistakes and the fact they took out insurance on something they had no claim or lein on.

  Business Response

  Date: 05/06/2024

  Thank you for your feedback. I apologize for the frustrating situation you are in. I am aware of the situation from the BBB complaint and have been working with key stakeholders within the company to better understand the situation, UCCU's decisions throughout the process, and possible actions to help the situation. Certain key individuals have been out of the office, but a meeting is scheduled for later today. I wanted to acknowledge that UCCU has received the complaint and is actively working the situation. I will respond with an update within a few days. Thanks again for your feedback. We will be in touch soon. 

• Initial Complaint

  Date:09/26/2023

  Type:Customer Service 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.

  It is clear from the ** grade here, and the lack of response to those complaints, that UCCU does not care about their customers. UCCU has some great rates at times but they truly do not care about customers. Every time I call or visit a branch, even for simple services, it turns into an hour long, or longer, ordeal. I have asked repeatedly for management to call me back, am promised someone will call, and then no one calls. I have asked repeatedly for executive management to call me back, am promised someone will call, and then no one calls. I have asked repeatedly for a board member to call me back, am promised someone will call, and then no one calls. Additionally their bill pay and online services have serious bugs that they refused to fix.Do yourself a favor, find a credit union that actually cares about people and go there.

  Business Response

  Date: 10/03/2023

  To Whom It May ******************************** appreciate the opportunity to receive the feedback from one of our long-time members.  This has given us an opportunity to contact this member and speak with him about his experiences. Mr. ******** has been contacted by a Director and ********************* as well as a Branch Manager in his local area. His feedback was very valuable and has been incorporated into our ongoing improvement, training, and overall member experience efforts.  

• Initial Complaint

  Date:06/05/2023

  Type:Billing 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.

  Yes i got notified on m credit someone signed up for a loan through this company and an account, i never had a Utah community account and never applied for a loan/account. I need this removed from my name and credit ASAP this is a fraud account. attached is also a police report

• Initial Complaint

  Date:02/27/2023

  Type:Billing 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.

  On April 13, 2022 I purchased a vehicle from Tim Dahle Infiniti in Murray, Utah. On April 18, 2022 I refinanced that auto loan with Utah Community Credit Union (UCCU). I have been making monthly payments of $399 to UCCU with interest from April 2022 to present day. On January 16 2023 I received a letter from a lawyer representing Cinch Auto (Tim Dahles Auto Financing partner) that I was being sued for never making a payment on my vehicle. This was very shocking since I have been making monthly payments with interest to UCCU with the understanding they paid off the Tim Dahle auto loan in April 2022 and possessed the title of the vehicle. UCCU sent the pay off check to the wrong location and never took possession of the title, but was still collecting my monthly payment with interest for over 10 months. Thus Cinch Auto is serving me and charging me over $5,000 in fines for failure to make their autopayments. After getting a personal lawyer involved, who has spoken to UCCU and Cinch Autos lawyers, everyone is claiming I am at fault and that I am to pay the Cinch Auto fine of $5,000. UCCU has been fraudulently charging me every month with interest on a loan that was never funded and is taking no responsibility for their wrong doing. I have documented proof of a wrongful check sent from UCCU, monthly statements from UCCU showing my honesty, UCCU loan agreement, and letter from Cinch Auto.

• Initial Complaint

  Date:01/06/2023

  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.

  I was sent to a debt collector Olson s***** attorney office to pay a repo for Utah community credit union. I owed 2,000 and something to them before it got took. I was then garnished and I paid infull of what was asked. I tried to close the account with Utah community credit union and they said I owed them a fee for them sending it to the debt collector for 2,000 and some change and that they wouldn’t close my account till it’s paid when that fee would of been included in the fee I paid with the debt collector Olson s***** which cost me 5500 and some change. Utah community credit union told me in November sometime of 2022 that once I was paid off from the debt collector I could call back and close the account which I tried on January 6th 2023 and than was told I owed them a fee of 2000 and change to close the account for them sending out to a debt collector.

• Initial Complaint

  Date:12/26/2022

  Type:Billing 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.

  So I bought another car and Volkswagen paid off the UCCU and looking at my bank statement the UCCU took $300 out of my account for no reason didn’t do it in November and the loan was paid off on 11/03/22 Don’t know why they took the money when it was paid off I also tried to close the account with them after the loan was paid off but they were taking too long so I had to drive down to get the money from the loan that was extra after the loan was paid off Why did they take my money They have been nothing but trouble for me since I got the loan with them 3 years ago I want to close the savings accounts they don’t keep doing this to me I want to be done with them for good

• Initial Complaint

  Date:11/03/2022

  Type:Billing 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.

  I have a car loan with this institution. I was behind on my payments and was informed that my car could be repossessed. I spoke with a collections agent named Andrew T**** on Tuesday, November 1. I made a payment right away and informed him (as it was late in the day) that the next day I would either be refinancing the loan through my other bank or paying the balance in full. He said “just to pay it as soon as I could.” Never at any time did he tell me that payment needed to be received that day in order to avoid repossession. He knew my intention was to take care of it one way or another the very next day and told me that was fine. The next day I left work and my car had been repossessed. I have spoken with him and my mom has spoken with him and he admitted that he didn’t tell me it had to be paid that day and admitted that he “didn’t get the repo stopped in time”. They are charging me over $1,000 to get my car back. We attempted to talk to the manager, but Andrew claimed he was gone for the week and said there was no one else we could talk to. My suspicion is that he either just didn’t do his job or they knew they might be losing the loan when I refinanced so they decided to go ahead with the repossession that day. When we call this credit union, they state that calls are recorded. We would like that conversation to be accessed to prove that Andrew T**** told me the full amount didn’t have to be paid that day. We suggested that we be able to access that conversation but now they claim that they didn’t record “that conversation”.