Complaints

This profile includes complaints for Community Powered Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Community Powered Federal Credit Union has 4 locations, listed below.

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  Community Powered Federal Credit Union

  1758 Pulaski Hwy Bear, DE 19701-1712

• 

  Community Powered Federal Credit Union

  4 Quigley Blvd New Castle, DE 19720-4150

• 

  Community Powered Federal Credit Union

  1815 Newport Gap Pike Wilmington, DE 19808-6241

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  Community Powered Federal Credit Union

  PO Box 7739 Newark, DE 19714-7739

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.

• Initial Complaint

  Date:04/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 applied for a 36,000 loan was advised I didn’t have enough credit after advising I just filed chapter 7 bankruptcy and it was discharged on 04.11.25 ( if I just filed bankruptcy how will I have credit history) I advised I have a credit card that’s I’ve had for 6 months in good standing that wasn’t enough I then advised I’ve been at my job will be 15 years this year and that I make 94,000 a year (that still wasn’t enough) I was then offered a loan of 1000 was not aware that this wasn’t a regular loan that I could utilize it was a loan where I pay 80 a month towards 1000 that’s supposed to help me with my credit since this denial I have been approved by a different company for 32,000 and I have a new vehicle and I got approved for a 750.00 credit card that I can utilize…I’m not sure who’s in charge of your company bringing in new revenue and building financial relationships with your customers but this is a prime example of how your company is losing business I understand that with bankruptcy it looks like a risk but sometimes you have to take a risk to make money your organization missed out on 33,000 worth of interest and further business because I even will be looking in the future into purchasing a home which I would have done through your bank but your guidelines that you follow causes me to only want to continue to put 25.00 every other pay for my daughter nothing more

  Business Response

  Date: 05/12/2025

  I have attached a response to this complaint but have also posted it below having removed member specific information. Please let me know if you have any questions or require further information, 

  Thank you, 

  Thank you for the
  opportunity to respond to the complaint submitted by ******* regarding her loan
  application.
  At Community
  Powered Federal Credit Union, we are committed to offering fair and responsible
  financial products while adhering to regulatory requirements and sound lending
  practices. We understand the frustration that can result in a loan denial and
  would like to address the concerns raised in this matter.
  The member applied
  for an automobile loan which was reviewed in accordance with our standard
  underwriting guidelines, which consider several factors including income,
  credit profile, and existing obligations. After careful review, we were unable
  to approve the loan request based on those criteria. As an alternative, a
  credit builder loan was offered. These loans are designed specifically to help
  members establish or improve their credit over time and are not intended for
  immediate use as spendable funds. We apologize if there has been any
  misunderstanding about the nature of this product.
  We understand the member's frustration and respect her decision to work with another financial institution.
  While we always aim to provide accessible financial solutions, we must also
  ensure all decisions align with regulatory requirements and our responsibility
  to safeguard the financial well-being of all members.
  The member has
  requested no further contact from the credit union, but she should be advised
  that the current products she has with the credit union do receive the required
  periodic regulatory information as well as statements.    
  We appreciate the
  feedback and will continue to use it as an opportunity to improve the member
  experience.
  Thank you,

  Customer Answer

  Date: 05/15/2025

  Better Business Bureau:
  
  
  I have reviewed the response made by the business in reference to my complaint and have determined that this does not resolve my  issue.  For your reference, details of the offer I reviewed appear below.I have attached the document that the credit union sent me with the key factors that adversely affected my credit score … the first key point that says “serious delinquency is incorrect my bankruptcy was discharged on April 11th this form was sent on April 17th there is no way I would have serious delinquency if I filed chapter 7 bankruptcy which was advised to the rep from the bank at the time of the credit application also time since delinquency is too recent or unknown is also incorrect I filed chapter 13 on November 2023 and converted to chapter 13 on December 2024 so there’s no way the time since the delinquency would be too recent or unknown the document also states number of accounts with delinquency how can I have a number of accounts with delinquency if I filed chapter 7 bankruptcy I’m sure we all know how bankruptcy works the next one is proportions of balances to credit limits is too high on bank revolving at the time that my credit report was ran I had one credit card with a 177 balance so this is incorrect and how can a person have all this with their credit and have a 642 credit score?  I believe if I take this too an attorney that we would be having a different conversation 
  **In order for the bureau to continue to assist you, you MUST provide your view on the matter or your complaint will be closed as answered.
  
  
  
  
  Regards,
  Complaint ID: 23262278
   
  
  
  
   

  Business Response

  Date: 05/28/2025

  We understand the member has
  raised concerns about the information impacting their credit score. Please note
  that Community Powered Federal Credit Union does not generate or determine the
  credit score or credit report content. That information is provided by
  independent credit reporting agencies, in this case TransUnion. Any concerns
  about the accuracy or content of the member’s credit file should be directed to
  the credit bureau directly for investigation.  The member can contact
  TransUnion at (800)888-4213 or at:
  TransUnion LLC
  Consumer Disclosure Center
  P.O. Box 1000
  Chester, PA 19016