Complaints

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

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  Midflorida Credit Union

  PO Box 8008 Lakeland, FL 33802

• 

  Midflorida Credit Union

  P O Box 3584 Lakeland, FL 33802

• 

  Midflorida Credit Union

  2075 8th Street NW Winter Haven, FL 33881

• 

  Midflorida Credit Union

  5540 Cypress Gardens Blvd Winter Haven, FL 33884-2240

• 

  Midflorida Credit Union

  3025 SR 540 West Winter Haven, FL 33880

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:06/01/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  This complaint is against Midflorida Credit Union my member number is # ****** This is not a Duplicated ************************ complaint from previous BBB complaint number ******** which was relating to a denied credit card application that was later resolved overturned and approved.This is a new different complaint relating to a dispute claim number ****** that was filed on 03/27/2025 relating to three unauthorized transactions from credit acceptance for ****** total lost of ******** from old debit card ending in 4310 My complaint is as follows:On 03/27/2025 I contacted Midflorida dispute team and filed 3 unauthorized debit disputes from merchant: credit acceptance due to the authorization;s being unauthorized under regulation E debit cards do qualify for chargeback request to merchant for reversal when the error was on the merchant not the *********** authorization was revoke from using my debit card with merchant on 02-02-2025 but was continued being billed without my permission with the merchant or third party aci payments *** because authorization was revoked even thou I had past relationship with merchant however that permission stopped on 02-02-2025 As speaking with mid-florida dispute agent by phone she seem rudely and didn't want to help me filed this dispute with the merchant she immediately acted like this claim will be denied as if she was the merchant, she stated we have to do a conference call with the merchant which I agreed to she put me on hold for 45 minutes I finally got a hold of credit acceptance I assume Midflorida was still on the phone with me but she hung up or just listen and ignore me but she heard what he said the agent stated that Midflorida must submit each chargeback dispute to their third-party aci-payments,*** and request chargeback request and they will reverse each authorizations that was revoked but this cant be done if Midflorida do not submit and help the customer with my dispute see attachment ************ merchant reopen my dispute

  Customer Answer

  Date: 06/03/2025

  I ******* **** request that ************************ closed out this complaint my dispute has been resolved with Midflorida credit union I have received my credit of ******** from my dispute

  I consider this complaint # ******** closed satisfactory 

  Business Response

  Date: 06/06/2025

  The credit union will contact the member directly.

  Customer Answer

  Date: 06/08/2025

   
  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.
  
  

  All issues of my complaint have been resolved satisfactory I consider my complaint closed.

• Initial Complaint

  Date:05/30/2025

  Type:Service or Repair 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 set up an automatic payment from my checking account to be paid on the 21st of each month starting on 5/20/25. MidFlorida withdraw the money from my checking account on 5/21/25. Today is 5/29 and the company never received the payment. I called customer service on 5/21 and i was told that the payment will be posted on 5/22/25. I checked with Publix the next day the payment was not there. I went to the back on 5/27, i was told that Publix Federal Credit union did not accept automatic payment, they requested a check instead. They said that they mailed out the check on 5/23 and it takes 7-10 business days to receive the check. I informed them had i known that their process was that bad i would have went to ****** in ******** and pay them myself. Now i will be charged a late fee since my payment was due on 5/22. Also i disputed a charge from an insurance company, I told them i never purchased the car but the insurance refused to refund the money. They did not process my dispute because they need more information. I don't have any other information since i never had the car. They cancelled the dispute.

  Business Response

  Date: 05/30/2025

  The Credit Union will reach out to the member directly.

• Initial Complaint

  Date:05/23/2025

  Type:Service or Repair 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.

  5/17/2025 I applied online to open a checking account, funded the deposit ($900) with a debit card. A short time later I received an email stating my app. had been denied & the transaction had been canceled/hold released. The letter states Show this to your institution to have them release your funds. That is not how transactions work. If it were ACTUALLY canceled/released on ***** end the funds would already be back in my account w/that institution. Why would that bank keep a hold on money that had never actually left my account? The charge has shown as pending the ENTIRE time almost 6 business days now. Multiple times that I have contacted MidFlorida trying to find out where my $900 is, Ive been told 4 different time frames for processing on Saturday it was it will be there Tuesday! Tuesday I was told 3-5 business days on our end and another 3-5 business days on the other end. The next day I was told 1-3 business days (which had already lapsed) and then was told 3-10 business days. HOWEVER, I was also told the hold had been released, which makes no sense. If the hold isnt there, if its FULLY canceled/released then why am I still waiting days for processing to happen? If its already canceled/released there is no more processing to take place. The originating institution confirms that MidFlorida has in fact NOT yet released the hold, and since the charge is still showing as pending on their end I cant dispute it or anything else, my only option is to wait until 5/27 (ten business days) and if it is still shown as pending, THEN it can be investigated. Not returned to me, investigated. (Which I realize is a wholly different matter.) The point is, someone isnt being honest & MidFloridas story makes NO SENSE. Im incurring late fees on rent, Im also going without (6 days at this time) rx meds that I NEED, bc no one can give me a straight answer about where my money is and as I said, MFs story is the one that makes no sense.

  Business Response

  Date: 05/27/2025

  The credit union will contact the member directly.

• Initial Complaint

  Date:05/17/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  This complaint is against Midflorida Credit Union I've been a Credit Union member for over 7 ******* member account number is ******* in May 2025 I applied for a credit *********** loan with a 690 credit score with a clean credit report with history and past auto loans that were paid off.I was shocked to find out that my loans were denied when I already extablish overall credit but for some reason it was not strong enough for underwriter approval even thou I pre-qualified threw midflorida loan site that I qualified for auto loan and platinum credit card.I spoke with underwriter to know the denial reasons I was told my credit is insufficient and also the credit card request was for ***** which I never requested any limit amount when I did the application online. I would of been satisfied with a ******** limit which I know I do qualify for at least ***** limit would of been satisfactory I see no risk here to add a credit card to my membership with this credit union. I do remember I had to upload my driver license which the underwriter can see my race nationality which in my opinion played a part in ********* stipulation is I've been with this credit union for many years, great deposit history in my checking account. I even have all my direct deposits flowing into this bank weekly with clean credit report with score above 690 and still I was denied by underwriter Mrs. **** I reapplied for another credit card and immediately called in and explained my stipulations and requested a lower credit limit credit card because there's no risk. Midflorida even have a First ********* Card for riskier applicants which I am not I was not considered not even for this one.I believe this is more of a discriminatory denial because I ask myself do Midflorida credit union really do care for there members??. This complaint is filed due to underwriter not being in ***************** compared to other members with similar scores and account history. I already establish credit.

  Business Response

  Date: 05/19/2025

  The credit union will contact the member directly.

  Customer Answer

  Date: 05/30/2025

  My complaint has been resolved with mid-florida credit union I consider this complaint closed satisfactory.

• Initial Complaint

  Date:04/29/2025

  Type:Service or Repair 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 was financing a car through mid ********************. I put $10K down on the car and have made $7K in payments. I was 2 months behind and they repossessed my car even though I had been calling and let them Know I was late because I switched banks and was waiting on a. Deposit to clear, every time I called to speak to April I got her voicemail and left her a message each time. They came last week and got the car from my house. I immediately called her the next day and said Imthe deposit cleared and I could pay the last due amount and any fees from the repo. She told me no that they want the full amount of the loan ($28K)!! I dont have that. I explained I could make the loan current (which you can do in ******** 2x in 12 months) and she said no and rudely asked me if I wanted the phone number to get my stuff out of the car since I dont have $28K sitting around. She was rude and extremely condescending on one of the worst days of my life. My mom just died and I have been under so much stress; was out or work due to the hurricanes, and I still made sure to always pay my car payment. Now I am forced to file ch 13 bankruptcy to try and get the car back before they sell it. They wouldnt even attempt to work with me or help me and are treating me like I stole the car, not like Ive paid almost $20K for it which I have. Anyone I have talked to said its unheard of for the lender to demand full payment and not even work with you.

  Business Response

  Date: 05/14/2025

  I believe this complaint is for ************************ -

   

  I am *********** Financing (we are not related) I did attempt to reach out to the customer and left them a voice mail.. 

  Business Response

  Date: 05/14/2025

  I believe this complaint is for ************************ -
  
  I am *********** Financing (we are not related) I did attempt to reach out to the customer and left them a voice mail.

• Initial Complaint

  Date:04/19/2025

  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.

  OK, so I have been a customer of mid ********************** banking for a little less than a year. I have never had this issue with other bank. I am like a psycho. I check my balance on my account at all times as soon as I make a purchase, I look at my account to see was the money taken out to be extremely careful not to overdraft it every single time that I useApple Pay I will have more than enough money in the account and its almost like they double dip they take the money out the first time then all of a sudden my account goes negative and Im talking About Hundreds of dollars!! I have contacted customer service a few times and they give me the ** answer that I didnt have enough money in my account which I know to be ** the other day I had $.63 in my account the next morning I look and theres 109 so I used 100 of it and left the nine in there and the next day all of a sudden Im -$111. This bank thinks theyre really slick. Just in the past two weeks I went negative over $300. And on top of that, they dont list anything on your activity except for the charges and they refused to show proof that I was in the negative. I asked you to speak to a supervisor and the lady told me they didnt have one available.

  Business Response

  Date: 04/21/2025

  The credit union will contact the member directly.

• Initial Complaint

  Date:04/15/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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 entered into a loan with Mid Florida in 2020.. I have sometimes struggled keep it on time just due to the fact that I make less money, but I have done everything to keep them updated, and I always answer their calls.I am behind for the month of March And then now my new payment for ***** is due. They told him at the branch they cannot accept the payment due to confidential reasons. I then called in and they transferred me over to collections. A man got on the phone didnt introduce himself was nasty from the time he hopped on the phone with me. He belittled me. He talked down to me. He was very nasty and rude. The only thing that he explained to me was theres been a hold place on your account And its up for review of repossession now mind you again. Ive had this account since 2020 I only owe a year left on my-car. . He claims for review on that and if I dont provide them copies of my proof of current insurance and give $2932 that they are going to make me turn in my car and repossess it. Current insurance I have but they use a third-party person to verify it and this is cause issues before in the past because if the third-party saysthey cant verify it, they list you as someone who doesnt have insurance and then they add an additional $300 a month to your payment until you them proof even though proofs been sent to them I dont know how its legal thats why theyre claiming I owe $2932 when in all actuality, I owe them for this month payment which is 680 and last month payment which is 680 . I tried to give 700 today and they would not take it. The additional is fees that they have added on claiming that I dont have insurance even though the *** said no thats three months worth of payments whichI dont owe three months and if you do the math 6803 is not $3000 he offered me no help. He refused to give me the email to send in another copy of the insurance. I do not owe $3000 and how am I supposed to give them money if theyre refusing to take it.

  Business Response

  Date: 04/16/2025

  The credit union will contact the member directly.

  Customer Answer

  Date: 05/01/2025

  My issues were handled, and I am satisfied with outcome.

• Initial Complaint

  Date:04/07/2025

  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.

  The credit card i opened with MidFlorida Credit Union in 2018 has not been reporting on my credit profile. I have tried for over a year to get it corrected. I have spoken to several individuals and most recently mailed a letter. I spoke to ******* **** and she said she would get an answer to me within a couple days. After a week no followup. I have disputed it with all the credit bureaus and when they send the verification to MidFlorida Credit Union, there is no response.

  Business Response

  Date: 04/08/2025

  The credit union will contact the member directly.

  Customer Answer

  Date: 04/09/2025

   
  Complaint: 23169118
  
  I am rejecting this response because the company has not contacted me in over a year.  Since this action was filed, I have not heard anything from them.  They can reach out, but it needs to be timely and with a resolution.
  
  Sincerely,
  
  ********* ****

  Business Response

  Date: 05/02/2025

  After researching the complaint and reaching out to the credit bureau regarding the issue, a letter containing detailed instructions on how to contact Experian was mailed to the member on April 15, 2025. Additionally, the member has had email correspondence with our ************************************ For any further questions, the member may call the department at **************.

  Customer Answer

  Date: 05/10/2025

   
  Complaint: 23169118
  
  I am rejecting this response because: I have contacted Experian several times in the last 3 years about this matter and each time they have told me that MIDFLORIDA Credit Union has to be the one to correct what is reported.  Its a never ending circle.  At this point, MidFLorida needs to refund me the $5,000 amount held and clear out the additional outstanding balance on the credit card.  The credit card is NOT reporting to any of the credit bureaus which I have shown repeatedly.
  
  Sincerely,
  
  ********* ****

• Initial Complaint

  Date:02/08/2025

  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 had a fraudulent charge appear on my bank statement so I called mid florida on 12/15/2024 to have the card cancelled and to dispute the charge, after about a month the charge reappeared and I called mid florida again to ask what was going on and I was told that because the business "Slice" had done an investigation and determined the charge was legitimate that Mid Florida could do nothing more to dispute the charge. I told the person I spoke with that the charge was not authorized, there's no signature, nothing except SLICE claims that the charge was made by me. I filed against ***** as well, al I want is to get my refund of $41.46 for a pizza I did not order. The person I spoke to had talked to someone else and she came back to tell me that they feel they can't do anything because SLICE did an investigation and said that the charge was legit. Who makes that decision? I was charged but never places an order!! To me that's a fraudulent charge. Please help.

  Business Response

  Date: 02/18/2025

  The credit union will reach out directly to the member. 

• Initial Complaint

  Date:01/14/2025

  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 on line for Free checking ac**unt. Mid ********************** asked for $50 deposit.January 9th I received a denial letter stating low credit s**re, 551 I checked my and the ** applicants credit and Mine is 622 my wife's is 638 through the same credit agency that Mid Florida used. I called the local branch in **************** 771St. ***************. at 10:14am. I talked to a woman Shawnee she had know Idea where the deposit was I gave Mid Florida and why my credit s**re wasn't **rrect so I asked for a supervisor. A man named **** came on the phone, He said they don't have my deposit of $50 and doesn't know why the credit s**res were so much different. A told him I would show him my checking ac**unt history showing the deposit of $50 was taken and not returned. He basically said he **uldn't help with these issues.

  Business Response

  Date: 01/17/2025

  The credit union will contact the member directly.