ComplaintsforSuperior Choice Credit Union
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Complaint Details
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Initial Complaint
06/06/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
My vehicle was repossed. I received a letter indicating that my vehicle would be released if I bring the account current on or before June 7, 2024. I paid those fees today and when calling the location to try to recover my vehicle, I kept being told they hadn't received what they needed to release my vehicle. I then contacted another third party who informed me that my vehicle had been moved and that I'd need to pay additional fees on top of what was quoted in my letter. There was also an incorrect phone number in the letter that I received. I am likely going to have to pay additional fees to recover my vehicle, despite honoring the terms in the letter that I received due to the extension of time despite being repeatedly told that my vehicle would be ready to pick up today. I am not sure what the ultimate amount will be to recover my vehicle beyond the $1841.75 I've already paid. At minimum, I would either like a billing adjustment or refund for any amount over and beyond $1841.75 that I have to pay, I would like to recover the vehicle and I'd like an adjustment to the credit union's communications, policies and procedures to avoid any other customer having to experience this. I have email communication, will retain all receipts and also have a copy of the original letter that I received related to this matter.Business response
06/11/2024
Please see attached response letter, it does include information regarding the members account due to the complaint being specific to their loan account with us. Please let us know if you need anything further. We will also send a paper copy of the letter to the member. Thank you.Initial Complaint
01/23/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
1.Superior Choice Credit Union disabled access to my account without notice via email, voice mail or ***** 2.Superior Choice Credit Union defunded the account on of before this date.3.Superior Choice continued to send out checks from this *************** to ******************************************************************** were made. Each time Superior could not fix or tell me why the accounts were disabled. They promised to have someone call back and yet nobody did. a.Dec 27th 4:30pm EST b.Dec 28th 10:05am EST c.Dec 29th 1:11pm EST 5.Superior Choice Credit Union put me to fraud department person **** who just stated they flagged the account but would not offer any explanation why they did not provide any notice via email, voicemail or **** other then they thought the telephone number has a strange answer. They refused to connect me to their supervisor and said the supervisor would call me back which they did not. 6.In the meantime, Superior Choice Credit Union opened a business account for me and let me conduct transactions on that account. In January 5, 2024, I requested Superior close out my business account due to their horrible service.7.Costs incurred to date are $180.Demand is that they 1.Provide reimbursement for $180 2.Remove all my information from their records 3.Stop harassing collections due to their mistake.4.Apology letter from ******************* their CEO who has yet to reply to 3 **** registered letters sent to him.Business response
02/05/2024
February 5, 2024
Dear **************************,
Due to the sensitive financial nature of the complaint and our commitment to our members privacy, we are unable to address specifics of your account in this forum. However, we kindly ask that you refer back to the letters we sent to you on January 8, January 16, and January 26 of this year for comprehensive information.
Regarding your concerns on the returned payments, we refunded the funds and fees charged to your SCCU account prior to the closing of your relationship with the Credit Union per your request. We additionally, met your original demand of excess fees without any actual proof of these fees before the deadline you imposed in your own letter to us. All record retention will remain in accordance with federal regulatory requirements and no further communication is necessary.
Sincerely,
***************************
Compliance ManagerCustomer response
02/09/2024
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.]1, The letters sent to me January 8, January 16, and January 26 from Superior Choice Credit Union (SCCU) in no way address the issues other then stating that SCCU had terminated my accounts and was allowed to do so per SCCU agreements I had signed. Again, SCCU disable access to the accounts on or before 26 Dec, continued paying out of the account, rejected funding of the account and did not return calls on 3 consecutive days per SCCU customer service said they would since they could not figure out why the accounts were disable.
2. Your process is broken and I want an apology from your CEO since nobody has chosen to reply to me until I sent registered **** Cease and desist letters to ****'s CEO. so obviously he has received them and chosen not to reply. Until I get the letter of apology from him this is not resolve.
3. **** has further egregious behavior. On Jan 29th, SCCU did an unauthorized debit from my personal account at Presidential Bank. I have filed another complaint with the ********* ********** of ******* for this unauthorized access. SCCU has refunded the money. However this is cause for SCCU to be shut down. Per your own statement, my accounts with SCCU were terminated prior to Jan 5th. Why were you still accessing my accounts. That is very dubious behavior and even worse for a Bank.
If there is failure to receive a letter of apology from your CEO ******************* by Feb 29th to me, I shall continue pursuing action against your company to get it sanctioned, fined and hopefully shutdown.
Regards,
*************************************Initial Complaint
08/14/2023
- Complaint Type:
- Product Issues
- Status:
- Unanswered
I used the credit union website to create a CD on July 26, 2023. They debited the money from my credit card but the CD was not created. I tried to follow up using several channels, Live chat, contact form, CD application status page, phone - but no response. My money is stuck. I can't even chargeback because they classified the transaction as "Cash Advance". This also resulted me in cash advance fees from my credit card. They did not tell me on the website that the charge will be posted as Cash Advance.Initial Complaint
07/26/2023
- Complaint Type:
- Billing Issues
- Status:
- Unanswered
Payment was returned nsf since then I called twice only for two different employees to say my debit card was declined. Even though waterstone bank said no one attempted a transaction. I wasnt offered any help by customer service. I asked for the ability to mail a check customer service gave me a address so i mailed a check for payment a week ago only to not have a payment credited. Tried accessing online bill pay only to get a message saying my name and social security number isnt recognized. Even though i have a auto loan with them and a savings acct.Initial Complaint
05/10/2023
- Complaint Type:
- Customer Service Issues
- Status:
- Unanswered
I refinanced my loan in October. I have reached out several times about getting my vehicle titled. They put my co-signers name on the title and not mine is what they are telling me but no one has actually been able to show me anything.I have been trying to get this resolved. The link they provided me for my contact will no longer work and they didnt send me a physical copy so I do not have a copy. They changed their systems and no longer have a copy supposedly . I cant drive my vehicle as the ********* tabs are past due but I cant get it registered in *********. I have been reaching out since October and still have not been able to get this resolved. I cant even refinance because I dont have a title in my name. This is the poorest service I have ever had and dont know what else to do.
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Customer Complaints Summary
5 total complaints in the last 3 years.
2 complaints closed in the last 12 months.