BBB Accredited Business since
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This company offers financial services.
A BBB Accredited Business since
BBB has determined that Miramar Federal 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 Miramar Federal Credit Union include:
- Length of time business has been operating.
- Complaint volume filed with BBB for business of this size.
- Response to 1 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
|Complaint Type||Total Closed Complaints|
|Problems with Product/Service||1|
|Total Closed Complaints||1|
Customer Reviews Summary Read customer reviews
|Customer Experience||Total Customer Reviews|
|Total Customer Reviews||0|
Type of Entity
Business ManagementMr. Max Paul, CEO
Number of Employees
Industry TipsFinancial Industry
9494 Miramar Rd
San Diego, CA 92121 (858) 695-9494 Directions
PO Box 261370
San Diego, CA 92196
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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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Problems with Product/Service
Read Complaint Details
Complaint: I have been a member of Miramar since I was a little girl and now I am almost 40 years old and to be treated like I am a new member just disappoints me. I purchased a cashiers check to pay off a 401K loan so that I could purchase a new vehicle on 6/6/14 and it hasn't been cashed or received by Charles Schwab till this day and the bank is telling me I have to wait 90 days before they will issue a refund and a new cashier check. I think that is crazy that I have to wait that long for a check that is lost from California to Ohio. The check was made out to a specific amount and the more time that goes by the amoung goes down so if Charles Schwab by some miracle gets it will cash it and I will have to wait for them to refund me the difference which makes me wait more time to get my money. I have stayed with this bank ever since day one even though I don't live any where near the branch. If I went to another bank like San Diego Credit Union they would of refunded the money in 30 days. I don't think this is how I should be treated on the 1st issue ever with a cashier's check. Makes me think that I need to take in consideration on a bank closer and more willing to help me get my money back.
Desired Settlement: Stop the cashier's check and re-issue refund so that I can send them a new cashier's check and get me a car.
August 21, 2014
Dear Ms. ********
Unfortunately, the normal business practice on a “Cashier’s Check” is that a stop payment is not allowed because the bank (Miramar Federal Credit Union) guarantees that the check is backed by good funds. That's why people and businesses accept cashier's checks and why the 90 day statute is enforced.
We did reply to your initial inquiry you made through our Home Banking system on June 23, 2014 to indicate the 90 day requirement. We did not indicate to you that you could have obtained a surety bond. The surety bond prevents the bank from the loss of both checks being cashed. If both checks are cashed than the bank can collect payment from the surety company. However, there is a cost associated with it and you would have to contact your insurance agent about obtaining one.
If the check has not cleared after the 90 day period, we would be willing to do a wire transfer to Charles Swab for you with no fee for the wire transfer and your account will only be charged for the actual transfer to pay your loan. You would need to complete a wire transfer form which would provide us with the wire instructions or you can email the information through our secure Home Banking message system to provide us with the information for the loan payoff. The original check amount would be credited back to your checking account at the same time.
The Delay in our response to your inquiry with the Better Business Bureau was because their inquiry was sent to our general mail address where their email address was filtered as junk mail.
We do apologize for any inconvenience this has caused.
**** ** ****
Better Business Bureau:
I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved.
BBB's Final Determination: Consumer accepted resolution offered by the business.