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Business Profile

Credit Union

Island Federal

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

Customer Complaints Summary

  • 7 total complaints in the last 3 years.
  • 6 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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:04/08/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME: ISLANDFCU : ***.  $5,986.00/$5,986.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

    Business Response

    Date: 04/09/2025

    Good morning,

    We apologize for any inconvenience.  We take security regarding personal data very seriously.  Please contact our Member Operations team at ************** and our team will promptly assist you. 

  • Initial Complaint

    Date:07/25/2024

    Type:Billing Issues
    Status:
    Answered
    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 urgently writing to address inaccuracies on my credit report due to the unauthorized disclosure of my personal information to credit bureaus, causing significant financial and emotional distress.According to 15 USC 1681 Section 602, I have the right to financial privacy and expect my information to be kept confidential.Moreover, as stated in 15 USC 1681 Section 604(a)(2), a consumer reporting agency cannot share account details without my explicit consent, which I have not given.The errors linked to ISLAND FEDERAL CREDIT have adversely affected my financial standing and require immediate correction.Furthermore, please ensure compliance with 15 USC 1666(b), which prohibits creditors from marking credit card payments as late under specific conditions.For reference, my account details are:Account Number: ********* I request a thorough review of my account, prompt correction of the credit report errors, and strict compliance with federal laws regarding my information.Failure to promptly address these issues may result in legal action. I appreciate your immediate attention to this matter.Sincerely,**** *************************************

    Business Response

    Date: 10/25/2024

    Hello, if you feel there is an error on your credit report, please contact our support team at **************.  We can work with you and the credit bureaus if any inaccurate information is reported.  

  • Initial Complaint

    Date:11/10/2023

    Type:Billing Issues
    Status:
    Answered
    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.
    ISLAND FEDERAL CREDIT is reporting a 30 day late payment on sept 2023 and i was never late this account was closed and insurance paid it in full i was never late. i talked to a representative of ISLAND FEDERAL CREDIT and they even agreed that i was never 30 days late but they still report this inaccurate information. that violates 15 U.S. Code ****e and 15 U.S. Code ****i - this account in violation not reporting 100% accurate.ISLAND FEDERAL CREDIT, a/c#******XXX, date open: Oct 19, 2022

    Business Response

    Date: 10/25/2024



    Hello, please contact our customer service team at ************** and we will correct any inaccurate charges that were assessed to your account.

    Thank you, 

      


  • Initial Complaint

    Date:05/22/2023

    Type:Billing Issues
    Status:
    Answered
    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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history. Please remove this derogatory/chargeoff from my credit report.

    Business Response

    Date: 10/25/2024


    *** *****,

    We apologize for any inconvenience.  If you feel an error has been made on your credit report, please contact our support team at **************.  We can work with you and the credit bureaus to correct any inaccurate reporting.  

      

     

  • Initial Complaint

    Date:02/13/2023

    Type:Product Issues
    Status:
    Resolved
    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 received a text message from my bank, on January 18, 2023, in regards to a charge being made on my debit card in the amount of $871.49 from Target.com. I answered No the the text and received another text stating my card was being blocked and to call them immediately, as I did. When I spoke to a representative, I confirmed with him, that I did not make nor authorized this purchase and wish to be refunded. He informed me that they were going to stop processing this purchase and the pending debit from my account, should be refunded in "about 10 business days". As of today, February 13, 2023, I have only received a "partial" refund in the amount of $71.04 on February 6, 2023. I am trying to understand, why I have had to call my banking card services department NUMEROUS TIMES and fight to receive a refund for something I did not purchase, and that I reported to them immediately. I have uploaded a screenshot of the text message I received, with my reply, and till this day, I am still out $800.45, for a fraudulent purchase, I NEVER made. The representatives that I and my wife, have spoken to regarding this matter, seem to keep getting the details confused or just flat out wrong, where as by this point, we don't want to continue to be members of this bank anymore, and just want our money back, so that we can move on.

    Customer Answer

    Date: 02/27/2023

    Better Business Bureau:

    In reference to complaint ID ********, communication to the bank one more time, resulted in a correction of the processes made in error and the matter has been resolved.

    Sincerely,

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



     

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