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Business Profile

Credit Union

Mountain America Federal Credit Union
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BBB Accredited BusinessA+Rated by BBB

Complaints

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

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Mountain America Federal Credit Union has 183 locations, listed below.

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    Customer Complaints Summary

    • 141 total complaints in the last 3 years.
    • 55 complaints 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:04/18/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      4/16 auto loan MISREPRESENTATION and MISLED on down payment transaction type. WAS NEVER DISCLOSED it was a cash advance resulted in incurring 5% extra fees. The representative was ****.

      Business Response

      Date: 04/21/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

    • Initial Complaint

      Date:04/17/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      MACU Failure to POST SSA RETIREMENT BENEFITS on time they are due to post into member accounts. Also failure to show *** Benefits pending as was done in the past and is the correct procedure for funds awaiting deposits from ***********.

      Business Response

      Date: 04/21/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

    • Initial Complaint

      Date:04/08/2025

      Type:Product Issues
      Status:
      Resolved
      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 3/25/25 I put an online application to open a savings account in order to open an ** advertised at 4.89% APY. It stated they would contact me. I called in 2 days later to say no one has contacted me and to be transferred to that **** and was told someone would call me back. On April 1, I received an email asking for me to call **** ****. I called in right away and had to leave a message. Ms. **** called me back April 3rd. She said the reason for the call was to verify who I was and to complete the application. Also she told me that the ** rate had changed to 4.17%. I told her I had put my application in while the rate was still in effect and it was not my fault that no one contacted me to complete the application and that they should honor the rate. She said she would put in a feedback for me, she also thanked me for not being upset with her as she had 30 more people to call to inform them of the change. She is a very nice person and it is not her fault that the advertised rate was pulled and that they were not honoring the rate for people waiting to be contacted by them. I believe this is false advertising. I applied to open the account and was told someone would contact me and they took too long to do that. I want the ** rate that was in effect at the time of my application. I also requested them to contact me through their feedback line and have not heard back from them. Thank you

      Business Response

      Date: 04/08/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

      Customer Answer

      Date: 04/13/2025

       
      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.

      Sincerely,

      ***** *********

    • Initial Complaint

      Date:03/06/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      Our company has business account with ****. We were victims of sophisticated fraud and MACU refuses to protect us against any charges older than 60 days. We asked them to cover 3 more months as this fraud since it went undetected and instead of offering solutions, we were lectured by their fraud employee ****** and his supervisor ******* about how its our fault because we didn't notice it sooner, despite knowing this fraud was sophisticated and executed over 5 months. **** does not care or protect their business clients. I asked for someone higher up to speak to but like typical low level employees they refused. I hope someone in **** with some authority can reach out to us.If not, we will be uprooting all of our accounts and going another institution that offers more protection against fraud.

      Business Response

      Date: 03/07/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

      Customer Answer

      Date: 03/07/2025

       
      Complaint: 23031020

      I am rejecting this response because they have not contacted me regarding this issue. I understand they said it would be 4-5 business days but until then, this response does not solve the issue.


      Sincerely,

      ****** *****

      Business Response

      Date: 03/17/2025

      We thank you for being a member of the Credit Union and for the opportunity to address your concern. Based on our records, a Credit Union representative made contact with you on March 12, 2025. If you have any additional questions or concerns, please contact us at **************.

    • Initial Complaint

      Date:02/18/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      To Whom it may concern, I am writing to formally file a complaint regarding an issue with my account with Mountain America Credit Union Account number: ******** Account balance:. $3,868.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my credit reports. I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case. I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation. Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.

      Business Response

      Date: 02/24/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

    • Initial Complaint

      Date:02/17/2025

      Type:Billing Issues
      Status:
      Answered
      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 December I was two months ahead on payments. I made a payment in December. I skipped a payment in January. Now I’m being told I’m a month behind. They won’t give me a straight answer. I just want them to give me the credit for the past payments that were made.

      Business Response

      Date: 02/24/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

      Customer Answer

      Date: 02/25/2025


      Complaint: ********

      I am rejecting this response because:I’m still out $600. This credit union has done NOTHING to help me. They seem to be hell bent on screwing me over!

      Sincerely,

      **** *****

    • Initial Complaint

      Date:02/15/2025

      Type:Order Issues
      Status:
      Answered
      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 mountain america credit union, I do not have a contract with Mountain America Credit Union. They did not provide me with the original contract as requested.

      Business Response

      Date: 02/20/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

    • Initial Complaint

      Date:02/14/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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 an account that shows no records of me closing it or even canceling things, no calls or anything. I lost the card after ********************************************* it was lost but there were charges on the card that werent mine. Now its a charge off on my credit when I assumed the account was closed. I reached out in 2024 and today (02/14/2025) trying to figure out why this account wasnt closed !

      Business Response

      Date: 02/20/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.
      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

    • Initial Complaint

      Date:01/30/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      We applied for a home equity loan the week of Jan 25 2025. After going thru the application process and having no issues with credit we were informed our loan was denied due to the road we live on full time all year long is "privately maintained" this is the actual wordage from the lender. "Thank you for confirming. Unfortunately, per my management team, we are unable to proceed with the application due to the road being privately maintained as we would consider the property inaccessible year round." "Inaccessible year round even though we live there year round.? This is an absolute joke and is unacceptable. We were never told that our location would be an issue. They have ruined our credit for at least 2 years by doing a hard pull of our credit reports. In my opinion this is discrimination by definition and a violation of the FTC-ECOA. I'm glad we saw this lenders true colors before entering into a financial agreement with them. I want the hard pull inquiry removed from our credit reports and an explanation to why this information wasn't disclosed prior to the application process.

      Business Response

      Date: 02/03/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

      Customer Answer

      Date: 02/04/2025

       
      Complaint: 22880488

      I am rejecting this response because:
      After receiving a phone call on 02/04/25 the employee from macu claimed the information obtained about or road/property was from a third party. Apparently this third party came here. This is totally inaccurate, I have several security cameras throughout the property and would have been notified if a vehicle or person had been on the road.  I pressed to get the name of the third party and was told I could not have it leaving me suspicious if what I was being told was truthful.
      Sincerely,

      Scott Swaner

    • Initial Complaint

      Date:01/19/2025

      Type:Product Issues
      Status:
      Answered
      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.
      Charged $142 for a ******* order that I was lied to about by **** eats delivery i contacted them and they would not give me anything back even though they lied about taking care of the charge. I contacted the bank and disputed and gave my reasoning and they refuse to keep the dispute refund permanently which i feel its unfair and caused my account to go negative for no reason.

      Business Response

      Date: 01/23/2025

      Thank you for taking the time to communicate your dissatisfaction with the service you received from Mountain America Credit Union. We will be in contact with you within five business days to address your needs and provide the best solution available to resolve your issue.

      We appreciate your feedback as it will assist us in providing a high standard of service to our members.

    Mountain America Federal Credit Union is BBB Accredited.

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