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Business Profile

Credit Union

Canvas Credit Union

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

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Canvas Credit Union has 27 locations, listed below.

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    Customer Complaints Summary

    • 89 total complaints in the last 3 years.
    • 36 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:05/17/2025

      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.
      My vehicle was repossed on Friday may 16, 2025@11:30 pm. I never received notification that my car would be taken. They are saying that I'm *************************************************** regarding my account. Every time they had called i was at work and unable to call them back and by the time it was done with work their office is closed.I had only received one letter on 4-25 stating that if I don't pay the ****** by 5-15 then there will be consequences. I had posted dated a payment on 5-13 for the *** of ****** to be delivered on Friday may 16th, which they are stating that they have not received. I have the confirmation email regarding my payment.

      Business Response

      Date: 05/28/2025

      Canvas Credit Union has been in contact with Ms. *** and this issue has been resolved. Canvas has reviewed the history of this loan and have advised Ms. *** on how to prevent this issue in the future. Canvas encourages Ms. *** to contact us directly if she has any future concerns.

    • Initial Complaint

      Date:05/06/2025

      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 am submitting a formal complaint against Canvas Credit Union for inaccurately reporting account number ********** with a balance of $3,652.00 as a charge-off to the credit bureaus. This reporting is misleading, detrimental to my credit profile, and appears to violate the Fair Credit Reporting Act (FCRA), which requires that all information furnished to credit reporting agencies be accurate and complete. The reporting of this charge-off does not reflect the true status or payment history of the account, and the ************************ has failed to provide any substantiating documentation or resolution despite multiple attempts to engage them directly. Their lack of response shows blatant negligence in fulfilling their responsibilities to ensure fair and lawful credit reporting. This inaccurate and unresolved charge-off is causing harm to my financial standing by falsely representing my creditworthiness to potential lenders. I demand that Canvas Credit Union immediately investigate this matter, provide proper documentation, correct or remove the charge-off if it is unverifiable or inaccurate, and issue an explanation for their failure to maintain compliance. If not resolved promptly, I will escalate this complaint to the ************************************ (****) and pursue all legal remedies necessary to protect my consumer rights. I ask the Better Business Bureau to assist in holding Canvas Credit Union accountable for these violations and to ensure the matter is corrected without further delay.

      Business Response

      Date: 05/19/2025

      Canvas Credit Union has made multiple attempts to contact Ms. ****** to address her concerns but have not been able to reach her. Canvas encourages Ms. ****** to contact us directly to address this matter.

    • Initial Complaint

      Date:04/29/2025

      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.
      Canvas is the worst for auto financing, my car was totaled back in November of 24, it is still sitting in the front of my yard and they are taking forever to release the title. I also filed for bankruptcy and now they won't even respond to my lawyer. They should be shut down. Worst credit union ever.

      Business Response

      Date: 05/08/2025

      Canvas Credit Union has been in contact with Ms. ***** and has sent the vehicle title to her. Canvas encourages Ms. ***** to reach out to us directly if there any other concerns.

    • Initial Complaint

      Date:04/21/2025

      Type:Billing Issues
      Status:
      Unresolved
      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 obtained a $30,427 consolidation loan from Canvas Credit Union on 12/13/2021 to consolidate multiple debts including credit cards and a vehicle loan. This account is now being inaccurately reported as an auto loan on my Experian report, which is misleading and negatively impacting my credit. I have disputed this misclassification multiple times and requested documentation to validate the account. I also asked for itemized information regarding the repossession and sale of the vehicle that was used as collateral.After multiple follow-ups, I finally received an email from a representative (****** ****), who stated the account was forwarded to Vinci Law Firm for further handling. However, I have yet to receive any documents or communication from them despite attempts to reach out. Meanwhile, the inaccurate information continues to report and has not been corrected, which constitutes a violation of the Fair Credit Reporting Act (FCRA) and has caused ongoing harm to my credit profile.

      Business Response

      Date: 04/29/2025

       Canvas has reviewed Ms. ******* loan history and the balances, account status, and date of delinquency are reporting accurately according to our records. Canvas has received and responded to credit reporting disputes from the credit reporting agencies. The account statuses have not been altered and the delinquencies have not been re-aged as a result of these dispute responses.
      We encourage Ms. ****** to contact Canvas directly if there are further questions or concerns.

      Customer Answer

      Date: 04/29/2025

       
      Complaint: 23230313

      I am rejecting this response because:

      This response from Canvas is disappointing and unhelpful. Its a generic statement that does not address any of the real issues I raised. No documentation or proof was provided to support their claim that the reporting is accurate.

      I previously contacted ****** ****, who stated the account was forwarded to Vinci Law Firm. Since then, Ive received no documents, verification, or follow-up from either party despite multiple attempts.

      The updated Experian report I attached (dated April 29, 2025) clearly shows the accounts are being re-aged, with charge-off statuses reported again in 2025 long after the original delinquency dates. This is a direct violation of the Fair Credit Reporting Act (FCRA) and is causing serious, ongoing harm to my credit profile.

      All supporting evidence was already submitted with my original complaint. I am requesting the inaccurate reporting be corrected immediately, or the accounts removed if ********************** cannot provide legally required documentation.

      These errors are affecting my ability to secure credit and move forward financially. If this is not resolved, I will move forward with legal representation and escalate through the ***** FTC, and any other appropriate channels.

      Sincerely,

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

    • Initial Complaint

      Date:04/15/2025

      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.
      This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. CANVAS CU ACCOUNT no.: ****** DATE OPEN: 03/01/2021 BALANCE: $3,652.00

      Business Response

      Date: 04/25/2025

      Canvas Credit Union has sent ********* documents in regard to her loan as she has requested. Canvas encourages Ms. ****** to reach out to us directly if there are any questions or concerns.

    • Initial Complaint

      Date:04/10/2025

      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've attempted to close the Canvas account in April 2024 with a payment and August 2024 with a payment. Upon both payments creating a zero balance, Canvas was to close the account. Both times the account was paid to zero and then they did not properly close the account in April 2024 and August ******** they are stating the account was not closed when they took $100 worth of fees in August to close it then. Simply put, Canvas will not close the account when a balance of zero occurs. Then they apply fees on an unused account and require another payment to close the account.This is the third iteration of trying to end a bank account with **********************. Managers were asked to resolve the issue and they won't credit even $15 against their arbitrary fees to close the account; they state they apologize but they are unable.The account has not been used in any way other than Canvas applying fees on a zero balance in April 2024 while continuing to not close our account.For closing the account the person(s) on the phone have stated the account is being closed with the payment and a verbal request not requiring a letter or any other action. Further, we can't login to the account anymore to see this arbitrary balance and we don't receive any statements in the mail.

      Business Response

      Date: 04/25/2025

      Canvas Credit Union was able to contact Mr. ***** and resolve his issue. Canvas encourages Mr. ***** to reach out to us directly if there are any further concerns.

      Customer Answer

      Date: 04/30/2025

       
      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:03/18/2025

      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.
      The atms at canvas are frequently out of service. Normally its one or the he other but this time both It would be helpful if they are maintained regularly

      Business Response

      Date: 03/27/2025

      Canvas Credit Union appreciates *********** bringing this issue to our attention. Canvas  will continue to provide maintenance to any ATM we have that maybe out of service. We encourage Ms. ******** to contact Canvas directly if she experiences this issue again so we may dispatch service for the location that is out of service.

    • Initial Complaint

      Date:03/07/2025

      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: CANVAS CU Account #: **********Balance: $3,652.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 03/17/2025

      Canvas Credit Union has sent Ms. ****** documents in regard to her loan as she has requested. Canvas encourages Ms. ****** to reach out to us directly if there are any questions or concerns.

    • Initial Complaint

      Date:02/28/2025

      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.
      This company is an absolute scam. I have been a long time member since 2009. Ive stayed current on everything until my checking account was accidentally used by someone else causing it to go negative. They sent this to collections instead of contacting me. I paid it in full and in return they closed all of my CURRENT credit card accounts completely demolishing my credit. I worked so hard to stay current on these accounts. I couldnt be more disappointed in the businesses practices here they arent ethical at all

      Business Response

      Date: 03/11/2025

      Canvas Credit Union was able to make contact with Ms. ****** and advised her of the status of her accounts with **********************. We have attempted to contact Ms. ****** to follow up on her concerns, but have not been able to reach her. Canvas encourages Ms. ****** to contact us directly to address her concerns.

    • Initial Complaint

      Date:02/10/2025

      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.
      I am not obligated for the debt claimed by CANVAS CU. There is no contractual agreement between me and CANVAS CU, and they have not furnished the original agreement as requested.

      Business Response

      Date: 02/24/2025

      Canvas Credit Union has sent Ms. ***** all supporting documents, to include contracts and account information.  Canvas encourages Ms. ***** to contact us directly if there are any questions or concerns.

    Canvas Credit Union is NOT a BBB Accredited Business.

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