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Business Profile

Credit Union

UNIFY Financial Credit Union

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for UNIFY Financial Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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UNIFY Financial Credit Union has 6 locations, listed below.

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    Customer Complaints Summary

    • 40 total complaints in the last 3 years.
    • 16 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:07/03/2025

      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,I am contacting you regarding a recent copy of my credit report that I obtained from your agency. After reviewing its contents, I have noticed multiple entries that appear to be incorrect or inaccurately reported. For your convenience, the disputed account(s) are listed **************************** FIN CU - *********** $246.00 UNIFY FIN CU - *********** $767.00 Pursuant to the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting that you provide copies of all records and documentation in your possession that were used to validate the accuracy of these account listings. This request refers specifically to the information that existed in your files at the time of the original reporting and verification.Please refrain from responding with general statements claiming the accounts were verified. I am specifically requesting tangible evidencesuch as signed agreements or original records from the data furnishersthat confirm the legitimacy and continued reporting of these accounts.If you cannot provide such documentation, these entries must be removed from my credit report in accordance with Section 611(a)(5)(A)(i) of the ***** Continuing to report data that cannot be properly verified not only violates federal law but may also cause lasting harm to my credit profile and financial reputation.Thank you for your timely cooperation. I expect a thorough and documented response to this request.

      Business Response

      Date: 07/10/2025


      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case #******** for ******* ********. We take each ********* seriously and strive to resolve issues to our members satisfaction. Ms.******** ********* has been thoroughly reviewed, and a formal response was issued and mailed directly to our member on July 7, 2025. Please contact *********************************** should you have any additional questions.UNIFY appreciates the opportunity to review and respond.

    • Initial Complaint

      Date:06/06/2025

      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.
      I have multiple accounts with ********************** reported inaccurately on my credit reports. These include:Account ********* with a charged-off balance of $7,913 reported as a derogatory installment loan.Account ********* with a balance of $30,523 reported as charged off.Secured credit card account ********* with a charged-off balance of $93.Despite these accounts being removed by Equifax, Experian, and TransUnion after disputes, Unify repeatedly reports them as reopened on my credit reports, which is misleading and improper. This continual reopening after removal causes ongoing damage to my credit.Reporting dates and statuses fluctuate inconsistently across bureaus, and Unify fails to provide accurate or verifiable information despite numerous disputes and CFPB complaints filed since 2023.Unifys practices violate the Fair Credit Reporting Act (FCRA). I request the BBBs assistance to ensure Unify immediately stops these misleading reopenings, corrects or removes all inaccurate information, and fully complies with credit reporting laws.

      Business Response

      Date: 06/16/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)
      regarding Complaint Case #23409182 for Duwayne McClendon. We take each
      complaint seriously and strive to resolve issues to our members’ satisfaction.
      UNIFY has received Mr. McClendon’s complaint and will be responding to Mr.
      McClendon directly. Please contact [email protected],
      should you have any additional questions. UNIFY appreciates the opportunity to
      review and respond. 

    • Initial Complaint

      Date:05/12/2025

      Type:Order 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.
      No one has responded to me from this business about someone opening an account in my name without my knowledge and I wanna get in touch with the business to know who did it, why , and where but they have yet to respond to any of my calls or messages, it is very hard to reach them, I want this item off of my credit its hurting me badly in succeeding in life, They have not sent me a copy of the contract as requested. We need to get this matter resolved.

      Business Response

      Date: 05/23/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case #******** for ******* ********* We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY reviewed Mr. ********* complaint and attempted to contact him at his phone number and email provided in complaint. As of May 23, 2025, we have not received a response from Mr. ********* Please contact us at ********************************** so we may assist you further. UNIFY appreciates the opportunity to review and respond. 

    • Initial Complaint

      Date:05/12/2025

      Type:Service or Repair 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 did a voluntary repo on a car in June 2019. The account was charged off with a balance of $12,753.00. I recently discovered that they have continued to add late fees and interest to the account making the balance now at $19,634.00. I was terminated from my job due to this misinformation. I have disputed with Transunion several times. Initially they agreed and removed this account from my report only to put it right back on the next day. I am not understanding how any company can continue to add fees and interest to a closed/charged off account. I am seeking to have this account removed from my report asap. I would like to get my job back. Unfortunately I no longer have the account number. I can provide my social security number if needed.

      Business Response

      Date: 05/23/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case #******** for ******* *****. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY reviewed Ms. ******* complaint and have mailed Ms. ****** a response. Please contact ************************************************************,should you have any additional questions. UNIFY appreciates the opportunity to review and respond. 

    • Initial Complaint

      Date:05/02/2025

      Type:Billing 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 opened a account with this ********************************************* because my employer has this credit union specifically as a benefit. So I went thru the process initially online and they said that I failed the identity and I would need to step into the branch so I stepped into their branch and opened a checking and savings account and upon the initial sign up done by Ahvee Yisrael (Member Financial Specialist) I was signed up for the totally wrong type of checking account (echecking) based on my needs of letting it sit I needed the (Free Checking Account) as it is called and unfortunately had to chat in your guys chat support to fix it which it did fix it but then I was greeted with a unrequested transfer done by the branch due to the banker not fully informing me of the minimum required to deposit and now I have unnecessary transfers on the account that I rather don't need. Internal transfers based on experience make someone's tax experience that much hard. I have set up a appointment calendar to fix this. I simply want to see how this could have happened and why I was not informed resulting in a miss match account. I find it very scary in fact that the banker is the one we depend on for anything related to banking and this happened directly by the banker. I will have to drive a unnecessary 12 miles there and 12 miles back to fix a mistake that your banker should of just done right off the bat like how can one mess up simply on minimums like i put 40 in the account and so if I needed that 25 in checking he should have simply informed me by saying something like hey I see you gave me 40 and there is a minimum of 25 to open it did you want me to open this with 25 and put the remaining 15 into your savings which did not happen in fact. The $5 minimum for savings and turning on e statements was the only thing truly told me to me.

      Business Response

      Date: 05/12/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case #******** for ****** ********. We take each complaint seriously and strive to resolve issues to our members satisfaction. Our Vice President of Branches reached out to Mr. ******** on May 8, 2025, and confirmed the matter has been resolved. Please feel free to contact *********************************** should you have any additional questions. UNIFY appreciates the opportunity to review and respond.

      Customer Answer

      Date: 05/19/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

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

    • Initial Complaint

      Date:04/04/2025

      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 had a ChexSystems inquiry added to my ***ort in Nov 13, 2023, and I was unable to complete this application due to a technical error with funding on UNIFY's side. This was ***orted to them at the time and the application was cancelled. Because of this, I asked the *** who handled this cancellation, ****** *******, to remove this inquiry, and she confirmed that this was submitted to Chex on Feb 24th. I understand that it can take up to 60 days to remove but Chex has stated that they. have not received anything from UNIFY and, unfortunately, UNIFY denied my Chex dispute, which would have removed this inquiry immediately. I do want to make sure this is submitted correctly with Chex as this inquiry should have been removed alongside the dispute I submitted.

      Business Response

      Date: 04/14/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Compliant Case #******** for ***** *******. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY reviewed Ms. ******** complaint and confirmed ChexSystems removed the inquiry on April 7, 2025. Please feel free to contact ************************************************************,should you have any additional questions. UNIFY appreciates the opportunity to review and respond. 

      Customer Answer

      Date: 04/15/2025

      Hello,

      Please note that this issue has been resolved by the bank and this case can be closed.

      Thank you,
      *****

       

    • Initial Complaint

      Date:02/28/2025

      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.
      I find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

      Business Response

      Date: 03/06/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case #******** for ******* *****. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY has received Ms. ******* documentation and will respond to her directly. 

       

    • Initial Complaint

      Date:01/10/2025

      Type:Delivery 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 have received 10+ calls daily from this company regarding a loan - i have blocked their number, called multiple times requesting my call be removed from their call list to no avail. they are harassing me and it is extremely unwelcome.

      Business Response

      Date: 01/21/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for ******* *****. We take each complaint seriously and strive to resolve issues to our members satisfaction. We have been unable to locate a membership or loan associated with Ms. ****** name, email, or phone number provided in complaint. Ms. ***** may contact our ****************** directly at ************************ if she has any additional information so we may assist.

      Customer Answer

      Date: 02/01/2025

       
      Complaint: 22715694

      I am rejecting this response because:

      my complaint was not due to a current loan. I have been harassed by your SDR/ sales **** with repeated outreach. It has stopped in my case but the practice should be noted and adjusted in general and for others. 

      Sincerely,

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

      Business Response

      Date: 02/14/2025

      Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding Complaint Case # ******** for ******* *****. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY does not have record of contacting ******* *****. In addition, we have been unable to locate a membership associated with Ms. ****** name, email, or phone number provided in complaint. Ms. ***** may contact the ****************** directly at ************************ if she has any additional information so we may further assist. 

      Sincerely,

      UNIFY Financial Credit Union 

    • Initial Complaint

      Date:11/12/2024

      Type:Product 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.
      On 10/11/2024 i deposited a check from the same anniuiy company that *** received many .much larger checks from. They released part in 5 days and supposed to release the rest on the 18th. No explanation for long hold which contradicts their written policy but on the 18th they extended it to the 31st? We banked wirh them since 1983 when it was trw and never had any problems. Now they claim bc I had a 45 dollar overdraft but their policy states a 5 days hold could be imposed. Nowhere does it say 21 days. By the time they reluctantly lifted it on the 22nd the damage was done. I incurred hundreds of dollars in late fees on my bills some of which made special arrangements to allow me to pay on the 18th just as the unify representine and supervisor ****** assured me would be released there is no justification for such a ridiculous hold. It's unreaosnable in this day and age where I'm sure they got the money right away. It's not like we are new customers or have any history of fraudulent behavior. I'm getting old and forgot about a reoccurring 45 dollar hospital bill.

      Business Response

      Date: 12/03/2024

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case # ******* for ****** *******. We take each complaint seriously and strive to resolve issues to our members satisfaction. We are in the process of reviewing this matter and we have reached out to our member. We will continue to be in contact with Ms. ******* until resolution. Ms. ******* may also contact our ****************** at ************************.

       


    • Initial Complaint

      Date:11/12/2024

      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 not liable for the debt with UNIFY FINANCIAL FCU. I have no contractual agreement with UNIFY FINANCIAL FCU, and they have not provided the original agreement as I requested.

      Business Response

      Date: 12/13/2024

      Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Complaint Case #******** for *** *******. We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY has received Ms. ******** response and will respond to Ms. ******* directly. 

    UNIFY Financial Credit Union is NOT a BBB Accredited Business.

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