Credit Union
Community First Credit UnionThis business is NOT BBB Accredited.
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Complaint Details
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Initial Complaint
12/22/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Dear Community First Credit Union,I am writing to formally dispute the inaccurate reporting of my account to ********************** reporting agencies. Your reporting contains significant errors regarding balances, past-due amounts, and account status, violating your obligations under 15 U.S.C. 1681s-2(b) to provide accurate and consistent data to credit bureaus.Account Details and Discrepancies Equifax: Reports the account as charged off with a balance of $0 and a charge-off amount of $6,629.Experian: Reports the account with a balance and past-due amount of $5,915.TransUnion: Reflects a balance of $6,624 with $754 past due.Discrepancy: These inconsistencies indicate noncompliance with the ***** as the data furnished by you is inaccurate and incomplete across the three bureaus.Truth in Lending Act (TILA) Definitions and Violations Under 15 U.S.C. 1602(j), this account qualifies as an open-end credit plan, defined as a credit arrangement where repeated transactions are reasonably expected, finance charges may apply, and credit availability is subject to an unpaid balance. Furthermore, 15 U.S.C. 1602(k) identifies the consumer as the original creditor in such transactions. As a result:This account cannot legally be reported as closed, as open-ended accounts remain active until explicitly terminated by the consumer.Reporting this account as charged off or closed is misleading and constitutes a clear violation of federal law.Requested Actions Provide updated and accurate reporting to Equifax, Experian, and TransUnion, correcting the discrepancies outlined above.Reflect the account as an open-end credit plan in compliance with 15 U.S.C. 1602(j).Confirm these corrections in writing within 30 days of receiving this letter.Thank you for your prompt attention to this matter. I reserve the right to escalate this dispute to regulatory agencies and seek legal remedies if necessary.Business response
12/23/2024
Please note this complaint should be referred to Community First Credit Union in *******, as listed in the credit report that was attached.
Charged off account
Contact
**********************
****************************
**********************
1-904-354-853o:Initial Complaint
11/14/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
Subject: Assistance Needed for Unresolved Banking Issue Hello,I hope this message finds you well.I am writing to seek assistance regarding an ongoing issue with our account at the *****************************************************************************************. About two months ago, the bank underwent a system upgrade, and since then, we've noticed the unexpected creation of a checking account in both my husband's and my name. This account seems to have generated a $2.00 statement fee, yet we have not received any statements or notifications regarding this account.Recently, my husband contacted the bank to request the closure of this account. Unfortunately, he encountered a rude representative who insisted that he pay the $2.00 fee before any action could be taken. Frustrated with the situation, I decided to reach out myself to find a resolution. During my call, I spoke with a different representative who was more helpful. They reversed the $2.00 fee and sent me a DocuSign document to complete for the account closure, which I promptly filled out and returned on October 30th.Despite completing the closure process, I checked the account a week ago only to find that it remains open. To my dismay, I discovered that the bank had again overdrawn the account, incurring yet another fee. Concerned about the lack of progress, I called the bank once more to inquire about the situation. The representative informed me that they would submit a ticket and that someone would reach out to me to provide further ************* has now been two weeks since that conversation, and I have yet to receive any follow-up or resolution to this matter. I would greatly appreciate your help in addressing this issue as it has caused us significant inconvenience.Thank you for your attention to this matter. I look forward to your prompt ************* regards, [Your Name] [Your Contact Information]Business response
11/15/2024
This complaint is for "First Community Credit Union" not "Community First Credit Union" The individual mentions TX so I am unsure if this is where this financial is located.Customer response
11/15/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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
04/05/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
My Credit score has been damaged severely to the false account information. ***************************************** has added another credit card account and date listed is in June of 2019. This is false information and my credit score has dropped over 100 points and is preventing my approval. The negative remarks on this account needs to be permanently deleted. The previous account I had has already been paid in full and the resolution was to remove the negative charge off information or completely remove this account.Business response
04/05/2024
This is not for Community First Credit Union in *********. This individual is not a member of ours but may be a member of the Community First Credit Union in *******.Initial Complaint
04/02/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
Regarding a paid account this is currently affecting my credit score. I had a credit card that was paid in full and this is lingering on my credit as a paid charge off. This is completely false and is affecting my ability for approval with my credit score. This needs to be deleted from my account immediately. **************************** account.Business response
04/05/2024
This would be for Community First Credit Union in *******. This individual is not a member at our credit union.Initial Complaint
08/28/2023
- Complaint Type:
- Service or Repair Issues
- Status:
- Unanswered
I have called many times prior to today inquiring about mobile banking and the fact that I don't have the option to deposit a check through the mobile app. Prior to today I was told nothing was wrong on their end and I should be able to. I called again today after attempting to make a deposit. I was told that this option was turned off 8/16/21 due to insufficient funds. I was also told that I needed to make a deposit to get my account in the positive before this would be turned back on. This makes absolutely no sense! I'm wanting to make a deposit immediately without having to drive in to a location which is 20miles away from my home! This needs to be added back on to my account so I can make a deposit immediately.Initial Complaint
10/30/2022
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Unresolved
A person by the name of ***** that lives in Berlin ** used to work at **********************************************. He was a part of the fileroom team that harassed me at work for 4.5 years. Now I'm being lied to on the fact of automatic payment. I've never had them. US Bank has been messing with my *********** Credit card, Boch Ins(Rep for Progressive) , and Spectrum Cable. My former supervisor(****************************************'s) fiance works for Spectrum customer service in ********. **** was a participant in harassing me. She was addicted to pain pills, but called my mom on me smelling like alcohol when it was proven I didn't. **** had me followed home by 2 employees and propositioned my boyfriend. I have no proof, but am paying ****** for a service that *** be spliced by *************************** and her boyfriend.Business response
11/01/2022
In reviewing this complaint it appears that this ****** may be referring to a coworker (*****). I see that 400 *********** in ******* is the ****************************** Office.
In regard to the auto payment, I am not sure if this is related to her employer. I do note that she has payroll deposited through ACH into her account here at Community First and do not find any issues with her direct deposit nor any concerns provided to us by ******************* also references US Bank and her *********** Credit Card. I do note that ****** does make payments to this card through her accounts with us. In reviewing her account I do not see any issues with payments she has made to them in the past, nor has ****** contacted us with any concerns.
The following concerns ****** raises seem to be with ************** and Spectrum. Based on what she is asking for as resolution to this matter, it would appear what she is requesting is from Spectrum for her cable.
We have not had any complaints nor calls from ****** in regard to her accounts with us at Community First.
Please let me know if you have any additional questions.
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Customer Complaints Summary
7 total complaints in the last 3 years.
4 complaints closed in the last 12 months.
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