Complaints

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

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  Seattle Metropolitan Credit Union

  303 NE Thornton Pl Seattle, WA 98125-8020

• 

  Seattle Metropolitan Credit Union

  17250 Southcenter Pkwy Ste 132 Tukwila, WA 98188

• 

  Seattle Metropolitan Credit Union

  1604 S Roberto Maestas Festival St Beacon Hill, WA 98144-2718

• 

  Seattle Metropolitan Credit Union

  722 3rd Ave International, WA 98104-1803

• 

  Seattle Metropolitan Credit Union

  14901 4th Ave SW Ste 107 Burien, WA 98166-1906

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:01/31/2025

  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.

  Urgent Dispute Regarding Unauthorized Hard Inquiry Immediate Removal Requested To: Seattle Metropolitan Credit Union Address: *********************************************************************************** Dear Seattle Metropolitan Credit Union,I am writing to formally dispute an unauthorized hard inquiry that your company placed on my credit report. On January 22nd , I contacted your institution to seek general information regarding refinancing options. During this call, I was assured that my information would only be used to create a profile and that no hard inquiry would be conducted unless I explicitly authorized it.However, after reviewing my credit report, I discovered that your company performed a hard inquiry without my consent. This was misleading and a direct violation of fair lending and consumer protection practices. At no point did I authorize a hard inquiry to be conducted, and I would not have provided my information had I been informed that this action would be taken.Under the Fair Credit Reporting Act (FCRA), an inquiry of this nature requires explicit consumer consent. Since I did not authorize this action, I am formally requesting that Seattle Metropolitan Credit Union remove the unauthorized inquiry from my credit report immediately. Please provide written confirmation of the removal at your earliest convenience.Failure to resolve this matter promptly may result in further action, including but not limited to filing complaints with the ************************************ (****) and other relevant regulatory bodies. I trust that your institution will act in good faith to correct this issue without delay.Please respond within 3 days to confirm the removal. You may contact me at ************************ Sincerely,******* Lynea *****

  Business Response

  Date: 02/19/2025

  Hello,

  We have verified the application process and found that all required disclosures were made, and we explained the need for a credit pull before proceeding with the application. However, we are still reviewing our communication records, and we'll let you know if we find any evidence otherwise.

  As part of the application process, an adverse action letter was sent to you that explains how you can make a dispute with the relevant credit reporting agency and their contact details. Please contact the agency with any credit disputes, as they should be able to address your concerns.

  Thank you,

  ******* ***
  Risk Manager

   

  Customer Answer

  Date: 02/19/2025

   
  Complaint: 22881267
  
  I am rejecting this response because I never authorized a hard credit pull, I will be taking further action since you refuse to correct this error
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 02/27/2025

  Hello,

  We understand your concern and appreciate your patience as we further investigated this matter. We have reviewed the conversation transcripts and have confirmed that you authorized access to your credit report. Our records show that on 1/16/2025, you called at 9:30 a.m. (PT) and, at around 9:47:35 a.m., gave explicit approval for this inquiry to the representative. The copy of the transcript is attached. This authorization was part of the standard procedure for applying for credit. We want you to know that we work to ensure that all credit inquiries are conducted with the utmost transparency and in accordance with your consent. We hope this clarifies your concerns. Again, if you have a dispute with your credit report, please contact the credit bureau directly.

  Thank you,

  ******* ***
  Risk Manager

  
  

• Initial Complaint

  Date:01/20/2025

  Type:Sales and Advertising 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.

  The dates and amounts in dispute are in the attachment. I originally filed these fraudulent transactions August 2024. I was also working with ****** to attempt to get the money back as I never ever have had my ****** attached to my savings account. Since I was working with ****** I got a call from someone at Seattlw credit union that I had to wait for ****** to finish their investigations and if they couldn't help me that seattle credit union would for a refund. Well ****** only recovered and credited one of the charges. It was a 90 day process. Because of that I then filed again with the bank. Then instead of helping or refunding me I get a letter saying too bad you waited to long to file against these charges except I didn't. In my account history it should clearly show I filed many months ago and was told to wait. I would like a refund in full for all the fraudulent charges listed.

  Business Response

  Date: 01/21/2025

  Hello *******,

  We received your complaint about the fraudulent transactions on your account. I'm currently looking into this for you and will have an update within the next 10 days. Stay tuned.

  Thank you,

  **** ***********, SVP

  Enterprise Risk Management

  Customer Answer

  Date: 01/21/2025

   
  Complaint: 22834457
  
  I am rejecting this response because: the response says to give them 10 days and the case is good for 7 if I accept the response. Also looking into things is not in any way a resolution. Just a step. 
  
  Sincerely,
  
  ******* *****

  Business Response

  Date: 01/30/2025

  Hi *******,
  
  We are responding on behalf of ******* ******.

  We received your follow-up transaction dispute communication and investigated the status. Our Credit Union management contacted you on January 27, 2025, and followed up with a written letter outlining the investigation's result. We apologize for any inconvenience this may have caused. Thank you for your membership.
  
  ******* ***
  ERM & Compliance Services

  Customer Answer

  Date: 01/30/2025

   
  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:08/26/2024

  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 called SCU c/s to inquire about "financial instrument ****: Does SCU accept "this particular financial instrument."Leysky: I'm not sure what that is...ME: (explain and gave her an example of a time I witnessed the use of this instrument LEYSKY: I'll have to place you on hold and check with a supervisor ME: Okay, that's fine.LEYSKY: placed me on hold for less than 5 minutes. Once Leysky returns.LEYSKY: (in my opinion, nervousness) Uhm we don't offer that. ME: What is your reasoning LEYSKY: We are not familiar with *******: What type of accounts do I have with you?LEYSKY: Business checking...pause Me: Thats it? Leysky: ***************** merchant checking and savings ME: Are these accounts considered deposit accounts?Leysky: Yes ME: By me being the owner of the account, that makes me the creditor and SCU the debtor since *** uses my deposits to obtain financial gain on the market. Therefore, I am the creditor requesting information on "this particular financial instrument." Leysky: I'm sorry, I'm not familiar with *******: Okay, are you familiar with "financial instrument 2?" Better yet, has SCU ever offered or accepted a "financial instrument 2?"LEYSKY: Uhm, I'm not *******: Will you check with your supervisor?LEYSKY: Yes, I will have to place you on *******: Okay Leysky has me on hold for about 5-10 minutes. When Leysky returns to the call...LEYSKY: There is no supervisor available to talk to, but one can return give you a call *******: I respectfully decline that offer as I'm asking that my question be answered. LEYSKY:: We have 12 reps and 1 supervisor, and he isn't available to take a call. He can call you back...ME: Again, I decline, as I'm not requesting a phone call or to be transferred. Only my question be answered Now this is when the call gets skeptical...Me: That's okay, I want to wait on hold until my question is answered because they may call me back when I'm not available as I am currently.After a brief exchange Leysky hangs up.

  Business Response

  Date: 09/04/2024

  Hello *****,
  

  Thank you for taking the time to speak with us this past week.We also tried to return your call and emailed multiple times without success.
  If you have any additional questions, please contact us at ************ and request to be transferred to our *******************
  

  Thank you,

  Seattle Credit Union

  Customer Answer

  Date: 09/04/2024

   
  Complaint: 22198975
  
  I am rejecting this response because:

   

  For one, I don't have a record of those attempts. Please forward verification to ******************************* I received an email addressing loan decision inquiry when my inquiry and request is beyond and excluding that during my last phone call. 

  None of my issues were addressed. The constant disrespect and humiliation from your staff is unprofessional and very inconsiderate. **** disconnecting calls while I'm speaking. One *** said I don't want to talk to you anymore and hung up in my face because I requested to wait on hold until she receive an answer back from her supervisor whom suddenly became unavailable for the rest of the day because you were short-staffed with only 12 ***s and 1 supervisor  was readily available a 5-10 mins prior. She kept saying there's no one to talk to to when I wasn't requesting to speak to anyone. The. She just hung up. 

  Now I feel that I was being personally targeted. When I called in the last time, the *** had no clue to what was going on with the avoidance of my inquiries. When she tried to verify me, I told her I just had some questions. When I asked her the question, she placed me on hold. When she came back to check in, she mispronounced my name. When I informed her of the correct pronunciation of my name i asked her how did she know my name and her rebuttal was I told her which was untrue. She then admitted she already had my account pulled up, therefore I was lied to about *** already knowing it was me calling.

  No one in the loan department I spoke with knew what a promissory note is which I found a bit odd due to its use in loans. When I asked the *** if they utilize them in the loans they offer, her response was they are signing loan documents in contrast to, yes we utilize promissory notes within our loan process.

  I called in for a pre-approval auto loan inquiry. The *** informed me and sounded very sure of getting me a 14k loan and 1k line of credit I can't use to build my credit. When asked if I was going to be using the car for work I stated "I don't know, maybe." *** rebuttal was I can't apply for personal loan for a vehicle I'm using for work. So with this new information I decided to change my mind. *** told me I couldn't change my mind because I already gave her my answer. This became a somewhat very intense debate with the reo speaking to me in an unprofessional manner which she later apologized for. Emailed me the next day, said I was denied. 

  Does this information still serve to be true and valid as of Sept 4, 2024;

  Rodon Bass does not have a deposit account that is used by SCU as a debtor. 

  SCU loan officers have no knowledge of promissory notes and it's course of use in any manner

  SCU loan supervisors have no knowledge of promissory notes, bank drafts or bill of transfers and it's course of use in any manner 

  SCU does not offer invoice factoring or invoice financing 

  SCU requires Rodon Bass to co-sign for RO THE ******************** for any business loan or line of credit which includes a personal credit check and copies of personal bank statements and past personal tax returns.

  SCU requires RO THE ******************** bank statements and tax returns for any personal loan or personal line of credit requested by ***** ****

  Sincerely,
  
  Rodon Bass. Without prejudice UCC 1-308. 

  Business Response

  Date: 09/25/2024

  Hello *****,
  

  Thank you for your feedback. It appears that the mailbox for your email address was full, and our emails did not go through. However,one of our lending managers spoke with you by phone yesterday 9/24 and addressed your concerns. In addition, a personal loan to you was approved and funded. If you have further questions, please contact us at ************ and request to be transferred to our *******************
  

  Thank you,

  Seattle Credit Union

• Initial Complaint

  Date:07/15/2024

  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.

  SMU uses Fiserv for their bill pay. I made two principal payments $300 to my mortgage company. I put in the wrong address of payee. They did not contact me to notify of this. Now they are saying I have to provide copies of cashed checks but they arent available on my online banking. Someone cashed the checks but no one seems to be able to see a copy. So Im out of luck.

  Business Response

  Date: 07/19/2024

  At Seattle Credit Union, we are committed to offering stellar service and partnering with our members in their financial journey. I am sorry to hear your payments were addressed incorrectly. After further review, our Bill *** partner did attempt to contact you directly regarding this matter, but was unsuccessful in reaching you. I am pleased to say that your dispute is in process. For one of the transactions, an additional dispute form is required. This form has been made available to you through our secure online banking portal. We have also attempted to contact you via telephone without success. Please log into online banking and complete that form and follow the instructions. Should you have any questions or require further assistance, feel free to contact us at ************.

• Initial Complaint

  Date:07/29/2023

  Type:Sales and Advertising 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 with Seattle Credit from 2018 and did not have any fraud .My balance was always high and if I needed $ I would use a atm to widthraw it. In April of 2022 I had a balance of 943$ someone stole my card and deposited fradulent checks on there from an account that was closed, the bank released the funds despite this. Seattle credit union let the thief make many suspusious transactions daily like getting cash back at QFC same day within minutes of each transaction 7 times in different amount ranging from 60$,90$,100$. The bank did not notify me this was happening, not with an email or txt message or anything. On top of this while i had the balance of 943$ a check was deposited for 1,500$ that was from a closed account that was not existant anymore, after this the following day another check was deposited into my account for 2,500$ from the same account that was closed the bank did not notify me of this either and the bank allowed the theif to continue making repeated cash back transactions at different locations. When I found out about this later several months I was in a program in ******* and was not getting my mail from the bank there because I was not using my card and was in the program once my mail was forwarded to me I contacted the bank and let them know what had happend. I tried to file a police report and called ******* police and was told that I could not file a police report for something that happend in a totally different county halfway across the state also there were no Seattle credit union banks there. I remained in that program for 6 months and than was out of town I got a statment from the bank saying my balance was **** and than about a month ago I got a letter saying that i was negative for 2,000$. At the bank they said that there atm was used for the deposit but they could not get video footage. I need help resolving this issue because not only did I looose 800$ of my own money but now they want me to pay ******** Account end in ****.

  Business Response

  Date: 08/08/2023

  Dear *******************,
  We received your BBB complaint regarding the handling of your checking account and the unauthorized charges from April 2022. As discussed on the phone today, once we have the requested documentation, we will review this case further and continue to communicate until the matter is resolved. If you have any further questions or concerns, please contact me directly at ************.
  Regards,

  *******

• Initial Complaint

  Date:07/07/2023

  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.

  I am not aware of this account. I have reached out to Experian Credit Bureau, and with SEATTLE MCU/SMCU to have this account removed from my file and they are always saying the same excuse, which is no longer acceptable. I have filed this as an outcome of Identity Theft. Regardless of all actions done on my end, there was no action from Experian Credit Bureau. Thus, I am reaching out to seek assistance to have SEATTLE MCU/SMCU confirm that I have no account with them and that the Experian Credit Bureau can simply remove it from my credit report.

  Business Response

  Date: 07/24/2023

  Dear *************************************,
  
  We received your letter requesting we remove from your credit report an account that you indicated was a result of identity theft.  We would like to investigate this matter; however, sufficient information was not provided for us to identify the specific account to which you are referring. We attempted to reach you at the phone number provided, **************, and left a voicemail for a callback.  Please feel free to call me directly with the additional information we will need to review this matter further.  

  **************** Team

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

• Initial Complaint

  Date:05/02/2023

  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 joined SCU to get a checking account in April of 2023. This was the beginning of the nightmare that still continues. I try to email or call them every to get the problem fixed, but as you can see I am emailing you for help. When I joined the **** the lady that helped me fed me a bunch of lies. She was in too much of a hurry to go eat instead of taking the time and telling the truth. I was told that I would get free checking, a new tap and pay debit card and that if they had to pull money out of my savings, it would be a five dollar charge. So far, no checks, no debit cards and it is actually twenty eight dollars they pull from my savings. Then, I made a credit card payment and they bounced it because I did not have enough money in my checking, yet, they could have pulled from my savings. They do for other charges that come through.I was assessed a late fee on my credit card of twenty five dollars so, my payment of forty five dollars is now one hundred and twenty. SCU will not acknowledge any of my correspondences about this matter even though I sent them all the information and a copy of my credit card statement. This has been going on easy to long now. I dont understand the lies and everything else that is going on.I did speak to a manager, at least he said he was anyway. He did get my checks to me. No debit card and no payment to my credit card.

  Business Response

  Date: 05/19/2023

  Hello, 

  Under the supervision of management, a branch representative has waived fee's and refunded member. 

  Thank you. 

  Seattle Credit Union. 

• Initial Complaint

  Date:02/27/2023

  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'm not familiar with this. I've asked EQUIFAX & EXPERIAN Credit Bureaus and SEATTLE MCU/SMCU to remove this account from my file, but each time, they always offer the same reason, which is no longer acceptable. I've reported this as a result of identity theft. Despite all of my efforts, none of the EQUIFAX & EXPERIAN Credit Bureaus took any action. As a result, I'm contacting you to ask for help in getting SEATTLE MCU/SMCU to confirm that I don't have an account there and that the EQUIFAX & EXPERIAN credit reporting agencies can easily delete it off my credit report.

  Business Response

  Date: 03/10/2023

  Dear *************************************,
  
  We received your letter requesting an account be removed from your credit report that you indicate is a result of identity theft. We would like to explore this matter at your request; however, you have not indicated which specific account you are referring to.  We attempted to reach you at the phone number provided, ************, but that appears to go to an automated telephone line where we are unable to leave a message. Please feel free to call me directly with the additional information we will need to review this matter further.  I can be reached at ************.
  
  Sincerely,
  *************************
  Consumer Lending Operations Manager

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

• Initial Complaint

  Date:01/30/2023

  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.

  This company is attempting to open a credit line in my name and run a hard credit check without my knowledge

  Business Response

  Date: 02/08/2023

  February 7, 2023
  
  ***********************
  ***********************
  Re:         Better Business Bureau Complaint, ID# ********
                  Seattle CU Service issue
  
  Dear ****************,
  We are in receipt of a complaint that was filed with the Better Business Bureau (BBB) on or about January 30, 2023.  In the complaint, you indicated Seattle Credit Union initiated a hard inquiry on your credit without your knowledge.  Based on a review of this matter, we concluded that this inquiry was initiated by a loan application you submitted with our Business Partner, ***********.  *********** offers an auto loan refinance program, and Seattle Credit Union is one of their lending partners.
  Based on our telephone conversation on Monday, February 6,2023, you now understand the connection with Seattle Credit Union, and agree that the inquiry was legitimate.  We hope this resolves your concerns.  If you have any further questions, please do not hesitate to contact us.
  
  Sincerely,
  *********************
  *********************
  Consumer Lending Relationship Sales Manager
  Phone: ************
  Email: **************************************************
  

• Initial Complaint

  Date:01/06/2023

  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.

  There are MANY discrepancies with my transactions. Strictly between Amazon purchases and the bank. For instance $114 transaction from December 30. 5 items. Have picture. It was obviously put into pending transactions until the merchant charges it. But it's not available to me as far as spending goes because it is pendng which I understand. But then a week later today January 6th I get notifications of not having enough funds to cover the transaction. Obviously make zero sense due to the fact the money the bank set aside pending was to cover this direct exact transaction. The money just disappears. Then I get charged again through Amazon who is trying to get paid for the transaction. The bank has that money for the transaction. The same money that I charged when I ordered the items. The same money that they put into pending waiting to be charged so there's no reason that Amazon never received it except for that the bank failed. Amazon charges again due to the fact that they've never received it which puts me into negative funds. I received calls from workers that work there as of today. Whoever called me today and she literally is interrupting and pretty much yelling at me on a recorded line. Mind you. The bank branch that I'm going to apparently is going to be closed down in the month? But I have zero notification about that. Ask the lady as well about that and she basically said it wasn't her problem which is all recorded by the way. I am going to close my account as I think this is a joke of a bank and horrible absolutely horrible customer service. All I seek is the money owed to me. And then good riddance with this bank. It has been an absolutely hassle. Zero customer service help! No answers. Never answer the phone. And then when they call you you just get yelled at. I have transaction numbers from Amazon emails and proof stating what was deposited back to the bank. The bank says that they have zero records of these transactions. So one of the two is lying

  Business Response

  Date: 01/20/2023

  Hello **************************, 

  Member service is a priority for our organization, we sincerely apologize for any inconvenience this issue may have caused.  We understand you met with a branch manager in hopes to resolve this matter.  It is my understanding, that you were not willing to meet with the manager assigned to assist with your concern after the initial phone call.  We want to ensure we have addressed this issue.  We offered a fraud dispute which is normal procedure and I understand you declined.  Please let us know how you would like to proceed.  We look forward to working with you to resolve. 

  Thank you.