Customer ReviewsforSt. Louis Community Credit Union

On 4/5/24 I deposited my state tax return, and it was placed on a 5day hold. I checked per government policymakers the check should be available by close of next business day. SLCCU has alway placed a hold on my check for 5days or more, The even hold cashiers checks. I cashed a cashiers check and walked out the bank, a month later another cashiers check same bank new teller check to be placed on hold. So its always to the teller transgressions. I been told that they cant remove the 5-day hold. This bank has never been beneficial for me as a customer, other than the freedom loan have never helped me financially on anything. I bought a new car and my bank of 10 years or more couldnt finance me for it. I applied for a home loan and my bank couldnt help. I have come to the conclusion that this bank policies are not in place for the community as they claim. It saddens me that I have been unable to use my own bank that receives my direct deposits for my needs. I have been working for the entire time and I cant get more than 500 dollars in credit from them. Im ****** because I have to pay check fees to get my money right away but I have a bank account with a bank who doesnt trust its patrons, Yet I have trusted them for years with my money.

Thank you for bringing this matter to our attention. SLCCU has reviewed the *** check deposit in question from March 5th, 2024. As outlined in our account agreement, the first $225 from the deposit was available on the first business day following the day of deposit. The remaining funds are typically available by the second business day unless there are recent NSFs or delinquencies on the account. While check holds are in place to protect our members and the credit union from loss, we follow Regulation CC when determining holds. State or local government checks are released by next business day if deposited in person with one of our tellers. We are also sorry to hear about your lending experience with SLCCU. Please consider visiting one of our branches to do a credit check up. This will better educate you on what is on your credit that would prevent any approval. We also offer things like our Credit Matters loan to benefit members with limited to no credit. We exist to increase the standard of living and better the lifestyle of our members, our staff, and the communities we humbly serve.

The bank is holding money and sending unauthorized debits to my account. I have been watching my account closing. Woke up this morning and a debit 92.67 was debit. It seems that they are trying to overdraft my account. I received refund last month for the same practice. Now they are saying ******** sent a debit payment threw my account on the 14th and on the 27th. ******** didn't do that. The bank did hoping my account would overdraft. I've filed a dispute which will take up to 90 days. I left a bag review last week and now this. I'm over there bad practice against people and overdraft fees. That they purposely create.

St Louis Community Credit Union (SLCCU) exist to increase the standard of living and better the lifestyle of our members. The accusation described is not something we would be a part of. While we understand ********************** frustrations, the Credit Union does not have control over a merchant processing a transaction. However, we are here to aid in any discrepancies between our members and merchants under the guidance of ************************ once notified by ****************** of the error made by *******, the Credit Union immediately launched an investigation. While we process this charge back with *******, on behalf of ******************, SLCCU provided a provisional credit to her account the next morning. Additionally, any overdraft fees caused by the error on Ms. ******** account would have also been refunded. ******* has 90 days to respond to the chargeback. If ******* responds, we will send the response to ****************** and can discuss it further at that time. We understand what a hindrance this can be, but we are here to help. If you have any questions or would like to know more about how chargebacks work, please give us a call.

Where I do even start? About 3.5 months ago is had money withdrawn from my account by a merchant. The charges were unauthorized. Naturally, I filed a dispute through the credit union. After getting no where and getting various different answer on a solution to my missing money, I filed a complaint with the BBB. Within days, I was contacted by a ***** fraud department employee, who promised to resolve my issue and assured my that in 90 days (a ridiculous wait time) Id receive either my money back or an update depending on the response from the merchant. So I edited my review. Now we are at 100+ days since filing the dispute and Ive heard NOTHING. Half a dozen phone calls, every rep I speak to doesnt know anything, cant see anything, or tell me the progress of my claim. Promises of a returned call have all been LIES. Havent heard from the woman handling my claim since she called after my first review on BBB. Strange they were all so available now I cant speak to anyone that can give me concrete answers about where my money is. Ive accepted the fact that this credit union will do nothing to help me and have counted the thousands of dollars taken from me as a loss. If by some miracle my money is returned to me I plan on closing my account with STLCCU. Permanently. DO NOT BANK WITH STLCCU. IF YOU LOSE ANY MONEY, YOU WILL BE ON YOUR OWN. YOUVE BEEN WARNED.

We apologize for your experience. Please know that our team has been actively working on the situation. We are glad that one of our managers was able to speak with you directly on 10/27 regarding next steps in the matter. If you are able to submit the necessary documentation, this could help move the process along.