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BBB Accredited Business since

Navy Army Community Credit Union

Additional Locations

Fax: (361) 986-8055 View Additional Phone Numbers 5725 Spohn Dr, Corpus Christi, TX 78414

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BBB Accreditation

A BBB Accredited Business since

BBB has determined that Navy Army Community Credit Union meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 16 factors. Get the details about the factors considered.

Factors that raised the rating for Navy Army Community Credit Union include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 4 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.
  • BBB has sufficient background information on this business.

Customer Complaints Summary Read complaint details

4 complaints closed with BBB in last 3 years | 2 closed in last 12 months
Complaint Type Total Closed Complaints
Advertising/Sales Issues 0
Billing/Collection Issues 3
Delivery Issues 0
Guarantee/Warranty Issues 0
Problems with Product/Service 1
Total Closed Complaints 4

Customer Reviews Summary Read customer reviews

0 Customer Reviews on Navy Army Community Credit Union
Customer Experience Total Customer Reviews
Positive Experience 0
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 0

Additional Information

BBB file opened: June 07, 2000 Business started: 01/01/1955 in TX Business started locally: 01/01/1955
Licensing, Bonding or Registration

This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

These agencies may include:

National Credit Union Administration
4807 Spicewood Springs Rd # 5100, Austin TX 78759
Phone Number: (512) 231-7900

Type of Entity


Business Management
Ms. Sarah O'Brien, President Mr. Gerry Morrow, Senior VP of Lending Dana Sisk, COO
Contact Information
Principal: Ms. Sarah O'Brien, President
Business Category

Credit Unions

Products & Services

Navy Army Community Credit Union offers the following product(s): FINANICAL SERVICES

Additional Locations

  • 12129 Leopard St

    Corpus Christi, TX 78410

  • 2207 Highway 35 N Ste E

    Rockport, TX 78382

  • 2505 N Saint Marys St

    Beeville, TX 78102

  • 2730 Rodd Field Rd

    Corpus Christi, TX 78414

  • 285 Buddy Ganem

    Portland, TX 78374

  • 2940 S Brahma Blvd

    Kingsville, TX 78363

  • 4802 Crosstown Expy

    Corpus Christi, TX 78415

  • 522 Airline Rd

    Corpus Christi, TX 78412 (361) 986-4500

  • 5725 Spohn Dr

    Corpus Christi, TX 78414

  • Building 125 Ave. D Naval Air Station

    Corpus Christi, TX 78419

  • PO Box 81349

    Corpus Christi, TX 78468


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Professional AffiliationsX

Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

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BBB Complaint Process

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Additional Phone Numbers

  • (800) 622-3631(Phone)
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Complaint Detail(s)

5/8/2014 Billing/Collection Issues | Read Complaint Details

Additional Notes

Complaint: I had my checking account closed without notice and $366.00 taking from my account that they say was owed since 2006 on another account. The fact that I was not notified about either action or was offered a explanation but that in 2006 I overdrew my account and then opened a new one and that the amount was never paid. I know nothing about this other account or why they waited 8 years to charge me for something when in those years Ive been in good standing with my account. I understand that I do not use my checking that much, and that might be the reason they closed it but without notice at all and to take money without telling me is just bad business. I now live in Florida so reopening the account is not a option I was told. To make matters worse I can't look at nothing but my savings, all history of my checking is gone. I don't know but it seems strange that they say I overdrew my account and let me open a new one at the same time, which I did not, and then 8 years later want to take my money. I did write two emails and spoke to a guy in collections who said he would have someone call me or email me. It's been a week and they just blew me off... They can't just take money and make up excuses and expect me to forget about it.

Desired Settlement: I want my money back!

Business Response:

***** –


I just spoke with you.  Here is my contact information below.  Please feel free to call me if needed. 


As I stated over the phone, I will deposit funds into your current savings account.  Your checking account has been closed.  We will not re-open the checking account per your request.


At this time, I do not have the exact amount.  I will send as soon a I get verification from our Accounting Dept.


Thank you for your account and concern that you brought to the BBB.  We sincerely apologize for this inconvenience.  Although, we never like to make mistakes, we APPRECIATE members like you who give us feedback so, if needed, we can change processes to better serve our members.  After all everyone loves the opportunity to make things RIGHT! 


Again, thank you for bringing this to our attention.




***** –


Ok…the final amount that was deposited is $336.15.


Please log in to your account to confirm receipt.  And if you figure out where you came up with $366.00 (below BBB complaint ##******* ), let me know.


I have cc’d the BBB Representative for her files, *** ********.




12/10/2013 Problems with Product/Service | Read Complaint Details

Additional Notes

Complaint: To Whom It May Concern: I have spoken to various people about this and do no want to have to go to courts or press charges on any professional. Navy Army Community Credit Union has made an invalid tow on my property claiming it is a repo when it is not there is no lien holder. The information was already sent to various departments including the vice President ****** ****, Mr. ****** and Mrs. **********. They are unwilling to cooperate with me the owner of the vehicle and unwilling to negotiate with me either. I do not want them to have incurred loses for their mistakes however do have rights reserved to it. I have reported it to authority made police report proving it is auto theft 13-31198 and unlawful for them to do that since there is no validities in the contract without a signatures and breaches. It states so in the contract plus Department of Motor Vehicles shows I, ******** *****, am the owner.

Desired Settlement: In fairness, I tell them willing to negotiate a refinance value of the vehicle but refused. If not pursue all legal action to press legal theft charges on them I am legally protected by Texas law and the consumer credit reports it is an "NOT VALID" if the report this delinquent on any of my accounts. Attached is proof of owner ship and the invalid contract. X. ******** ***** ********** *********** * *********** ************ | Cell

Business Response: Thank you for this opportunity to respond to the complaint referenced above.
Navy Army and its attorneys maintain that we have a binding loan contract with Ms. ***** and that it is in compliance with the various legal requirements. In addition, our research reveals that the lien against the vehicle is also valid. Any further communications with Ms. ***** are being handled through Navy Army's legal counsel.
Please feel free to contact me with any further questions. We look forward to resolving this issue in the best manner possible.


Consumer Response: Complaint: *******

I am rejecting this response because:

Attach is contract. There is not valid for loan agreement with Navy Army Credit Union as seen for the facts
1 contains breaches
2 as stated in contract  NOT VALID until it was signed
Please look at x._______________ where signature belongs on the contracts.


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

10/29/2012 Billing/Collection Issues
3/13/2012 Billing/Collection Issues