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BBB Accredited Business sinceAdditional Locations
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This business provides financial services.
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A BBB Accredited Business since
BBB has determined that Arizona Central 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 13 factors. Get the details about the factors considered.
Factors that affect the rating for Arizona Central Credit Union include:
- Length of time business has been operating
- Complaint volume filed with BBB for business of this size
- Response to 5 complaint(s) filed against business
- Resolution of complaint(s) filed against business
Customer Complaints Summary Read complaint details
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||2|
|Total Closed Complaints||5|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||4|
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:
Type of Entity
Business ManagementMs. Bronwyn Medley, Vice President & Chief Marketing Officer Mrs. Janet C Moodie, Vice President, Operations Mr. Todd Pearson, Sr. Vice President
Customer Review Rating plus BBB Rating Summary
BBB Customer Review Rating plus BBB Rating Overview
1805 W Chandler Blvd
Chandler, AZ 85224 Directions
1948 S Woodlands Village Blvd
Flagstaff, AZ 86001 Directions
2020 N Central Ave Ste 100
Phoenix, AZ 85004 (602) 264-6421 (866) 264-6421 Directions
2521 N West St
Flagstaff, AZ 86004 Directions
3350 S Price Rd
Tempe, AZ 85282 Directions
4451 S White Mountain Rd Ste D
Show Low, AZ 85901 Directions
5552 W Glendale Ave
Glendale, AZ 85301 Directions
6901 W Bell Rd
Glendale, AZ 85308 Directions
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Additional Phone Numbers
- (602) 264-6421(Phone)
- (602) 523-8268 (Fax)
- (602) 523-8268 (Fax)
Additional Web Addresses
Complaint Trends - Last 3 Years
Customer Review Trends
BBB Customer Review Rating plus BBB Rating Overview
BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.
|Customer Review Experience||Value|
|Positive Review||5 points per review|
|Neutral Review||3 points per review|
|Negative Review||1 point per review|
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Star Rating scale
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|3/11/2016||Problems with Product/Service | Complaint Details Unavailable|
Read Complaint Details
Complaint: I refinanced with AZ central credit union in order to reduce my monthly payments despite the fantastic service I received from **** ******** This has proven to be a mistake due to the outrageous added cost of CPI. With **** ******* I paid 548.00 a month, I am now struggling to pay 604.00 a month in what was originally a 419.90 monthly bill. When I switched to ACCU I had *********** *nsurance, a company I had been with since 2012. Six months went by with no issues. I did receive mail from ACCU requesting the title to my vehicle, once I received said title I mailed it to ACCU, that was the only contact I received from ACCU. In July 06 2015 a CPI of over 3000.00 was placed on my loan sky rocketing it past the original loan amount of 20000.00, I did not find out about this until 27th of July by logging into my account online. I switched from *********** to ***** gaining the needed coverage *********** *ailed to grant despite a huge rise in monthly payments. I spoke to a clerk at a Tucson location about how to add my new insurance and I was informed to bring in the policy. This I did, however a different clerk was there and gave me entirely different directions, informing me that my insurance should contact the credit union and that I would be credited for the extra amount paid and the CPI removed. I was handed a green paper with instructions on it, which I followed. On Sep, 14th, 2015 a debt adjust appeared on my auto loan of 888.00 leaving the remaining amount of the CPI 2140.00. I contacted the credit union multiple times asking for the CPI removal and if I could do anything to have it removed. I was informed that the CPI remained on there due to a lapse in coverage from 11/13/14 to 7/29/15. I emailed multiple copies of the old insurance documents stating that I maintained insurance but switched due to failure to provide proper coverage despite multiple attempts. "Unless you provide us with evidence of insurance coverage required by-your loan/lease agreement with us, we may purchase insurance at your expense to protect our interest in your collateral. This insurance may, but need not, also protect your interest. If the collateral becomes damaged, the coverage that we purchase may not pay any claim that you make or any claim that is made against you in connection with the collateral. You may later cancel any insurance purchased by us, but only after providing us with the evidence that you have obtained acceptable insurance coverage elsewhere as required by your loan/lease agreement with us." I have contacted the credit union multiple times and it is always the same run around. This entire experience has been beyond frustrating and I do not feel as though Arizona Central Credit Union values their customers time or money. I am exhausted and I have maintained insurance as well as have GAP insurance, when the required coverage was not granted I switched to an insurance company that provided the needed coverage. There is no reason for the CPI, especially not 2140.00 for a period of time that has long since past. Any more run around and I may just give into the temptation to drop my car off at the credit union with the keys and say "no more, it's yours,".
Desired Settlement: All I desire is the CPI refunded and to be credited for the extra I have paid.
Central Credit Union acknowledges receipt of the complaint from ***** * ******* The loan for the 2012 Ford
Escape was opened November 13, 2014 with an original amount of $20,000. All applicants are required to sign loan
documents including a Supplemental Insurance Provision that clearly details
insurance requirements of “comprehensive
and collision insurance against loss or damage on the personal property that is
securing your loan in an amount sufficient to cover the credit union’s interest
in the collateral”. ***** *igned this
document and provided a copy of a *********** Insurance ID card.
At no point did I ever receive any contact about the insufficiency of
the insurance, the only contact letters I received from Arizona Central
Credit Union were that asking for the title of my vehicle. Arizona
Central Credit Union has both my phone number as well as my email
address, at no point were either of those methods used to contact me. I
never received those letters, I moved in February, however my mail was
requested to be forwarded a phone call was utilized to change the
address with the Credit Union. However due to another move the address
was never changed, the address I originally had was left in the system. I
changed my new address online this time.
The amount of CPI makes even less sense, if the CPI was purchased in the beginning of July and proper insurance coverage was obtained in the end of July, that means over two thousand dollars is being charged for a period of time that has passed before the CPI was ever purchased. How does that protect the investment of the Credit Union if there is active proper insurance maintained?
Business Response: While I understand Ms. ******** concerns, the amount of the premium covers the entire period the vehicle did not have collision coverage. She misunderstands the information provided. The only letter that was returned was noted in our original response, so it is safe to assume the other letter were, in fact, delivered. Lastly, this is a hard charge, paid to an insurance company and not something we are able to waive as a gesture of good faith. I have attached the acknowledgement/agreement disclosing all the terms Ms. ****** is now disputing. Unfortunately, the credit union position has not changed.
Problems with Product/Service
Read Complaint Details
Complaint: I was charged a $10/month inactive account fee. I was not notified of this fee. It occurred for 6 months without my knowledge.
Desired Settlement: Return of $60
This fee is disclosed on the Fee Schedule provided to all members. In addition, the month before charging this fee, we mail a letter to our members notifying them all they need to do is contact us to ensure this fee is not charged. *** ******** spoke with our Solution Center on 9/1/2015 and all the fees refereenced in her complaint were refunded. We also explained how they are calculated and how to avoid them.
Read Complaint Details
Complaint: I had a Savings account with ACCU , they charge me from June 2013 to June 2015 $421.95 in fee with out sending me any letter about amount on those fee or any statements. I didn't receive any statements from years the last statement when I have is from March 2006. I July 2015 I get a letter in the mail that they will close my account in October 2015 .
In response to the complaint referenced above, I offer the following explanation.
Read Complaint Details
Complaint: I am so angry I cannot begin to tell you. ******* ******* Credit Union, offers a skip a loan payment once a year. I paid the 25.00 processing fee and they approved it. ***** Bank called me and told me my bank account was overdrawn by $119.00. They processed the loan payment on my car for 289.00 anyway. I called them, they told me to stop payment on it, which I did (30.00) later. They credited the money back into my acct the next day, now they are sending me collection notices for the same payment. They say I was credited twice by them, which is an absolute and total lie. They must employ third graders to do finance there. Any idiot would see that I would have a credit balance surplus of 289.00 had that been the case. There was no credit by my bank only the original amount these scheisters credited. I hate these people and wish I had never refinanced with them. I would rather pay a higher finance rate than to deal with these yahoo's!!!!!!!!!!!!! I am going to a locale branch tomorrow and am going to raise holy hell!!! I will go to Channel 13 News, Facebook and plan to post on my companies website what incompetents they truly are. Duh where were these people edumicated, not in any school, I went to, an yes the misspelling was intended because they are so incompetent!!!!!!
Desired Settlement: Fix it, get their sorry asses educated, refund the 25.00 processing fee, the stop payment fee of 30.00, and give me another skip payment. I feel this is the least they could do for all the time and energy it has taken to try and deal with this situation.
Customer Reviews Summary