Business Profile

Credit Union

Royal Credit Union

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

15 total complaints in the last 3 years.
3 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.

Initial Complaint
Date:09/03/2024
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 was misled by a representative of Royal Credit Union as to whether I agree to having Royal Credit Union obtain my credit report. I was never going to be approved and therefore should never have had an inquiry on my credit report. I demand this inquiry dated 7-27-24 be removed.
Business Response
Date: 09/23/2024
Response to Complaint, ***** *****. See attached
Business Response
Date: 09/23/2024
Final response in attachment.
Initial Complaint
Date:08/23/2024
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.
I ************************* has experienced a terrible situation with my bank account and everyone I has talked to has put notes on my file so every time I spoke to someone they stay repeated the same thing. First my checking account then my kwik cash account which was supposed to protect my checking account. They have been charging me principle and interest every time I put money in my account leaving with nothing. I agree in my contract something totally different it were no principle supposed to be deduct only interest when loan is paid off. The headquarters in ********* are so terrible. They change up things in my account of which I streen shot all the money I put in showing the transaction of deposit and principle and interest being deducted. Now when I looked at my account they changed it but I have screenshot all my activity. Im looking for an owner of the bank to overlook my. account and see all the changes that has been made. I went through 10 highly recommend family and friends. Now Im at 4 in recommended to. I appear to see a lot of stealing money from me. Again. Wisconsin headquarters bank were so terrible to. They said ****** were the manager but didnt want to give me his last name and want me to see a complaint to the ********* location so that they can continue with false information and Im not trying to communicate with anyone in ********* branch. The owner and no more false information. I truly know that I been ripped off and I want give up until I reach a correction of my money been taken from me Im very disappointed.
Business Response
Date: 09/06/2024
Dear ******************,

Re: Wisconsin Better Business Bureau Complaint 22184485

This letter is in response to your above referenced complaint filed with the Wisconsin Better Business Bureau.

After review of your request, I have included in a separate correspondence, a copy of your Kwik Cash Line of Credit Agreement and Disclosure for your review. I have record of a few conversations recently with our staff regarding this specific situation.
8/16/24 ************** and Supervisor Call Checking Account transactions
8/17/24 *********************** Call Disputing checking account charges, and Kwik Cash account
8/19/24 Member Loans and Supervisor Call Kwik Cash account concerns
8/22/24 Member Loans, **************, and Supervisor Call Kwik Cash account concerns

We would be happy to continue this conversation and help explain how your Kwik Cash account works, including interest, your payments toward this account, and when this account has been advanced. As addressed during the conversation you had with me on 8/19/24. Interest is accrued daily on the current outstanding balance. As you make a payment, the prior months interest is paid in full and the remaining balance is applied to your principle amount. As you advance the available limit, interest is again charged on the increased balance amount listed. You can see this within your online banking app, or with your monthly statement.

After reviewing your signed contract, and a detailed history of both payments and advancements that I have attached, please feel free to reach out to me directly.

Please let me know if you have any additional questions using my contact information below.

Best regards,

*******************************
Comprehensive Lending Manager
Royal Credit Union
********************************************
*************

cc:********* Better Business Bureau (via email)
Customer Answer
Date: 09/10/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Please type your response here.]
I do not agree because. The contract agreement were 20$ a month minimum and kwik cash supposed to protect my overdraft fees for my checking account but instead every time I deposit money into it Royal Credit takes my money and applies it to principal and interest and leaves me with no balance to protect my checking account overdraft fees and then they charges me double and confuse my entire account. Im so upset on how they take my money and do whatever. Wasnt my contract agreement.
Regards,

*************************
Business Response
Date: 09/18/2024
Response to complaint is shown in attachment.
Business Response
Date: 09/18/2024
Complaint is attached. 2nd attempt.
Initial Complaint
Date:05/17/2024
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.
I took out a vehicle loan in 2017 in just my name. Husband was not on loan. Paid off this year. Husband had a vehicle in just his name that was repossessed in 2018, loan was also with RCU. Called to get lien release, was told that the lien release would not be sent until balance of repossessed loan was paid. After some investigation, I found that RCU added my husband as a joint owner on my vehicle in January 2024. He never signed anything to this effect. In our opinion, RCU saw that my car was getting close to being paid off and decided they would switch things around to their advantage. Up until now, we've always been pleased with RCU. Now they are holding the lien release hostage for a vehicle I have fully paid for. This is very shady behavior.
Business Response
Date: 05/23/2024
********************,

This letter is in response to your above referenced complaints filed with the Wisconsin Better Business Bureau and the **************** of Credit Unions. I have reviewed your account information pertaining to the loans cited in your complaints, and I hope the following information resolves your complaint.

The 2017 Loan Agreement for a 2015 **** Explorer, account number ending in ***** shows that this loan was initially taken out as a joint loan, singed for by both you and your husband. A copy of the 2017 Loan Agreement signed by you and your husband will follow under separate cover. While the loan for the ********************************** 2024, the lien was not released due to a 2016 loan in your husbands name ending in ***** which resulted in default and a voluntary surrender. You were notified of this debt at the time it was incurred via a Marital Property Credit Notice to Spouse, as required by Wisconsin law. Both the 2016 and 2017 Loan Agreements state that property from your other non-real property loans with Royal may be used to secure your current loan in the event of default,pursuant to Truth in Lending regulations. Therefore, the 2015 **** Explorer was used to secure your husbands defaulted 2016 loan.

A review of the Wisconsin DMV shows that the title to the ************************ just your name, with a title date of 7/15/2017. No changes have been made to this title as evidenced by that title date. Both you and your husband are obligated to the joint Loan Agreement, and as such, the vehicle secured in the joint Loan Agreement also secures the defaulted individual loan for your husband. For the lien to be released on the 2015 **** Explorer, all outstanding Royal Credit Union accounts and/or debts must be satisfied.

Please let me know if you have any additional questions using my contact information below.

Respectfully,

*************************
Collections *******************************
************
**************************************************
Royal Credit Union
Customer Answer
Date: 05/23/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I can assure you that my husband was NOT on this vehicle loan. I alone signed the paperwork at Osseo Automotive in 2017. My lawyer has advised that their investigation shows that in January 2024 the loan agreement was fraudulently updated by RCU to show my husband's name as a cosigner. He did not sign anything nor did we receive any notice. Additionally, past statements for the loan only show my name.

Regards,

*******************************
Initial Complaint
Date:04/17/2024
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.
I took out an auto loan with this bank in April 2022. I missed the first payment and I do not want to dispute that, they contacted me and we resolved the issue with a double payment. I thought I had my auto pay set properly, I did not. For about 9 months I didn't make a payment and my car was repossessed, I quickly paid them and fines/fees and got my car back. When talking to royal credit union about this they claim to have called me many times and this is what I'm disputing, I never received a call or voice-mail regarding the payment issue, I received one single letter. I feel that the damage to my credit report is unjust because of their lack of communication and would like it removed from my report, the repossession that is. Just one phone call could have avoided the whole situation and as I said I paid what was owed immediately and am totally current of my payments.
Business Response
Date: 04/23/2024
Re: Better Business Bureau Complaint ID: ********

******************,

This letter is in response to your above-referenced complaint to the Wisconsin Better Business Bureau. Ive reviewed your account information pertaining to the auto loan cited in your complaint and I hope the following information resolves your concerns.

The following information outlines why your account is being correctly reported to the credit bureau. On April 30,2022, you entered into a Retail Installment Contract and Security Agreement with ******* ***************** secured by a 2012 Chevrolet Malibu, which was assigned to Royal Credit Union. The first scheduled payment was due June 14,2022, but was not made. Royal left messages with the number on file on July 13,2022, and July 20, 2022. On July 21, 2022, you returned our call and made a payment. At that time, we discussed with you how to set up Automatic Payments,and an Autopayment Form was sent to you via DocuSign. However, the Autopayment Form was never executed, and the account went into default in August 2022.Royal tried contacting you multiple times via phone and voicemails, in addition to sending a Default Notice via Certified Mail. We confirmed that the phone number we were attempting was your accurate phone number.
Because the above-reference outreach efforts were not responded to, Royal ordered the vehicle for repossession on November 9, 2022. The vehicle was repossessed June 6, 2023, and you redeemed the vehicle June 7, 2023. You later contacted Royal on April 17, 2024, requesting Royal to remove the negative credit impact to your credit bureau, but were advised we are unable to change the credit reporting status as we are obligated to accurately report factual account data to the ********************** bureau, including dates of payments and balances.

Please reach out to us directly at ************ with any questions or concerns.

Respectfully,

***********************************
Collection Supervisor
Royal Credit Union
Customer Answer
Date: 04/24/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

I would like to know which phone number these voice-mail messages were left from so that I can check my phone records for them.

Regards,

*****************************
Business Response
Date: 04/26/2024

Re: Better Business Bureau Complaint ID: ********

*****************,

This letter is in response to your above-referenced complaint to the Wisconsin Better Business Bureau.

Royal Credit Union attempted to reach you prior to repossession at the phone number on file from your loan application, [xxx-xxx-5371] (full number may be provided but we have truncated this number due to public nature of our response). This number corresponds to inbound calls from you, as well as subsequent successful outbound contacts with you from our *********************** The ********************** phone number is listed below.

Our position is that we have fully answered your initial complaint and your rebuttal,and we consider this matter closed. Please reach out to us directly with any questions or concerns.

Respectfully,

*************************
Collections Supervisor
************
**************************************************
Royal Credit Union
Initial Complaint
Date:04/11/2024
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.
My 15-year-old son has an account with ********************. On January 3 six charges for the amount of $45.30 was taken out of his account. I called ******************** as soon as we saw the charges come out and canceled his card and filed a fraudulent charge claim. The person that I spoke with said in the next 10 days, if there was anything else we needed to do, they would send a letter. The letter came stating that they credited the money back to his account. Then we noticed charges coming back out in April. When we called back to the fraud department, they said we did not mail back in a letter that was sent out in February that needed a signature. We looked for the letter and found it in my son's room unopened when we called back. They said it was too late and they were recharging his account, they end up agreeing to credit half of the amount that was charged on the account. This is terrifying to me as we have a lot of bigger accounts through Royal credit Union that this was never flagged as fraudulent and my son still had to pay this money when I called today to talk with them , I explained how worrisome this is that the letter did not come to His parents who are on his account and of legal age. They sent it to a 15 year-old without any notice that it would be coming. Every other bank that I have been with would have flagged these charges as fraudulent when I tried to talk to them today they said since my son willingly gave his information that there was nothing that could be done. This is Extremely worrisome sense it was six charges for the exact same amount coming from ****** when we live in ****************. Feel that there needs to be a better process so more people don't lose out on money with this company.
Business Response
Date: 04/18/2024
*****************************
991 ***** Cir
******, WI 54016

RE: Better Business Bureau Case #********

Dear *****************************,

Im responding to the complaint filed with the Better Business Bureau. Thank you for sharing your feedback regarding your experience with Royal Credit Union. Ive investigated your situation and the activity on the account with your son. While there was a significant delay in receiving a response to Royals request for more information, I understand your perspective. Based on my investigation, I agree with your suggested resolution and will credit the account with the remaining funds effective 4/15/2024. We continue to review ways Royal could improve our service, and I appreciate you sharing your perspective as it provides opportunity for us to do just that.
If you have further questions, please dont hesitate to reach out to me using the information below.
Thank you!

*************************
Fraud Manager
Royal Credit Union
**************************************************
************
Initial Complaint
Date:04/09/2024
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.
We have had a car loan through Royal Credit Union for 3 years. The payment of $318/month was set on autopay. Our February payment was apparently the final payment to close the loan and our $318 auto payment was around $40 short of finishing the loan completely. We were unaware that this final payment (now I know is called a "maturity date") was something different, and just assumed our autopayments would continue until it was payed off. To my surprise I started getting alerts about my credit score. It went down 90 points because RCU reported my account as "delinquent". Super confused, we logged into the app to see we actually OVERPAID on our March payment and the loan is paid off in full. When we called to figure out WHAT was going on, we were told that between the February and March auto payments, we had a balance of $38 (the amount to finish the loan, over the normal $318 payment) and they reported the account as delinquent. For $38 that we didn't know was owed! When we talked to collections for RCU they said they contacted us about this. I looked back at emails and did get some automated "payment reminders" with no amount or specific information, but the emails said: " If you have already mailed your payment or have an automatic payment set up, please disregard this email." So we did. We had an automatic payment set up. They called me once on 3/14 and did not leave a voicemail. Again, I assumed this was something automated as I have many accounts on autopay that still send payment reminders until the autopay goes through as scheduled. Instead of offering to rectify this situation by un-reporting the "delinquent" account, ******************** basically told us it's our fault and there's nothing they can do about it. We paid our loan each month for 3 years, and because there was a lack of communication over a $38 balance at the very end, my good credit is now ruined. There's also now $200-something in an account at their ********************************************* that we overpaid. Horrible service all around.
Business Response
Date: 04/16/2024

Customer Answer
Date: 04/16/2024
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
They made no offer to amend this situation. My reason for rejecting their response is:
I received no specific communication about the $38 balance that remained was outside of my autopayment amount. All emails were robo generated and said to disregard if you have a payment plan in place (which we did). I didnt get any voicemails about this. I had one missed call but no voicemail. I can get phone records to confirm if needed. The reason you bank with a credit union is to have customer care by real humans, and had a real human reached out about the $38 remaining balance before sending it to credit reporting places and literally ruining my credit, we obviously would have paid it. They happily took more than they were due during my following auto payment. I would like them to take this delinquency off of my credit report as its painting an unfair picture of how this loan was serviced and paid.

Regards,

***********************
Business Response
Date: 04/22/2024
Re: Better Business Bureau Complaint ID: ********

************,

This letter is in response to your above-referenced complaint to the Wisconsin Better Business Bureau.

Royal Credit Union attempted to reach both you and the co-borrower via mailed notices, emails, and phone calls prior to and after the loan maturity date to advise of the status of the account. Unfortunately, federal law prohibits Royal from leaving specific, detailed messages regarding the account status via voice mail, which is why we requested you to call us back. We are unable to change the credit reporting status as requested in your complaint since we are obligated to accurately report factual account data to the ********************** bureau,including dates of payments and balances.

Our position is that we have fully answered your initial complaint and your rebuttal and we consider this matter closed. Please reach out to us directly with any questions or concerns.

Respectfully,
Initial Complaint
Date:10/21/2023
Type:Order 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 liable for this debt with ROYAL CU I do not have a contract with ROYAL CU. They have not provided me with the original contract as requested.
Business Response
Date: 11/03/2023
Attached is the response to the Member will supporting documents.
Initial Complaint
Date:10/06/2023
Type:Order 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.
Im not reliable for this debt with Royal credit union. I dont have a contract with the collection agency , they did not provide me with the original contract as I requested.
Business Response
Date: 10/12/2023
A **** Credit Card was applied for and approved through Royal Credit Union in August 2018.
The **** credit card was kept in good standing until October 2022. When your credit card account became past due, Royal Credit Union attempted to contact you, but our attempts were unsuccessful. A default notice was sent October 17, 2022 and the default was not resolved. The credit card was charged off in November 2022 and reported to the credit bureau reporting agencies accordingly.
A payment was made in December 2022, and you indicated you had been out of the country. We informed you that the account was assigned to a third party collection agency, and you were referred to them to make payments or payment arrangements. ********** Royal assigned the account to returned the account back as they do not perform collection work on borrowers that reside in ********. During the brief time the account was assigned to the agency, they do not show they had any communication to or from you.
Documentation supporting the debt and the outstanding balance will be sent to you under separate correspondence today.
Customer Answer
Date: 10/12/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

The payment of $2,000 was made before the bank closed my account and sent it to collections. It was closed after the payment was made . Also the bank never sent me a **** at all. I demand the collection to be removed from my credit history immediately

Regards,

*************************
Business Response
Date: 10/17/2023
Re: Better Business Bureau Complaint ID: *************** Response

This is a follow-up to your response regarding the above referenced complaint.

A Default Notice was sent to you on October 17, ********************************************* before November 1, 2022. The default was not cured by the date requested. As a result of your failure to cure the default by November 1, 2022,Royal Credit Union exercised the right to demand immediate payment of your full account balance. A payment was received in December 2022, but it did not pay the account in full. As reported previously, the account was assigned to a 3rd party collection agency. However, it was reassigned back to Royal as they do not perform collection work on borrowers that reside in ********. The account balance remains unpaid to Royal Credit Union and is reported to the credit bureau reporting agencies. As to the **** you referenced, based on the phone call we had with you on October 16,2023, you were referring to a ****-C Cancellation or Forgiveness of Debt. As this point in time, Royal has not cancelled or forgiven the debt so no notice has been provided to you.

Documentation supporting the default and the acceleration of the balance will be provided to you under separate correspondence today.

Respectfully,
Initial Complaint
Date:08/17/2023
Type:Order 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 liable for this debt with Royal Credit Union, i do not have a contract with Royal Credit Union, they did not provide me with the original contract as requested.
Business Response
Date: 08/23/2023
Re: BBB Case No.: 20487733
The consumer in the above complaint obtained two loans with Royal Credit Union: 1) Equity loan dated November 12, 2022 and 2)a **** Credit Card dated December 21, 2022. Both the loan agreement and credit card agreement were executed via DocuSign. Identification and verification procedures were followed prior to the execution of documents through DocuSign. As part of the DocuSign process, the consumer agreed to the Electronic Record and Signature Disclosure.

Both accounts required outreach efforts by Royal Credit Union to the Consumer. Out of all our outreach attempts on the Equity loan, only once did the Consumer inquire on the status and no response to our outreach efforts on the **** Credit Card.

Due to the lack of repayment according to the contractual terms of the agreements, Royal Credit Union assigned both accounts to third party collection agencies for additional collection efforts. To date, Royal Credit Union and the third party collection agencies have no record of the Consumer requesting copies of the original loan contracts. These can be provided upon request.
Initial Complaint
Date:08/05/2023
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.
Unable to use online banking because they constantly change my password on me for unknown reasons. Total lunatics.
Business Response
Date: 08/08/2023
Dear *******************************,
Im responding to the complaint filed with the Better Business Bureau. Thank you for sharing your feedback regarding your experience with Royal Credit Union. Ive investigated your situation and history of interactions with Royal Credit Union. In your complaint you mention that your passwords have been changed, which creates difficulty for you. Your passwords have been reset at your request when calling into our ************** team. If an incorrect password is provided a number of times in online banking, your account is then locked for your security. If you have more information to provide, please dont hesitate to reach out to me using the information below.
Thank you!
Customer Answer
Date: 08/08/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.

[Please type your response here.]

Regards,

*************************** I use exactly 4 passwords all the time woman and none of them work for more than one day at most. YOU LIE !!
Business Response
Date: 08/10/2023
Dear *******************************,
Im responding to the complaint filed with the Better Business Bureau, and am sorry to hear our response was not satisfactory. I see in your response that you mentioned you are using the same four passwords and they are not working for you anymore. In order to access online banking after a password reset, the password must be different and cannot be reused. I also see notes that youd asked for your online banking to be placed on hold on 7/17/2023. The hold was lifted on 8/4/2023 per your request and once our ************** team properly identified you, a new password was created. However, the call ended once you hung up, stating you were going to a new financial as we werent helping you. Ive removed the hold for you as of 3:45pm on 8/9/2023,and a new temporary password can be obtained calling ************** at **************. As a reminder, youll need to create a new password once youve used the temporary one.
Please let me know if you have any questions.
Thank you!
Customer Answer
Date: 08/11/2023
Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below.
you are worse than Ferengi.

Regards,

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

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Royal Credit Union is NOT a BBB Accredited Business.