Complaints

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

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Digital Federal Credit Union has 11 locations, listed below.

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  Digital Federal Credit Union

  220 Donald Lynch Blvd Marlborough, MA 01752-4708

• 

  Digital Federal Credit Union

  350 John Fitch Hwy Fitchburg, MA 01420

• 

  Digital Federal Credit Union

  131 Gold Star Blvd Worcester, MA 01606

• 

  Digital Federal Credit Union

  130 Lexington St Waltham, MA 02452-4633

• 

  Digital Federal Credit Union

  207 Constitution Avenue (off Route 119/2A) Littleton, MA 01460

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:09/15/2025

  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 am filing this complaint against Digital Federal Credit Union (DCU) for their unfair and inconsistent treatment regarding my attempts to open personal and business accounts. My company, *******************, was established in 2019 with verifiable business records. Despite this, *** has obstructed me with vague, misleading responses, wasting my time through endless emails and calls while refusing to open my account.*** claims they cannot verify meyet they already verified me when I opened my personal account. If I was deemed valid then, there is no legitimate reason they cannot verify me now for my business account. Their contradictory actions are inconsistent, harmful, and damaging to me as a consumer and business owner.This behavior is stonewalling: spinning me in circles, asking for the same information, and refusing to provide any clear explanation. I have submitted valid ID, formation documents, and everything requested, only to be told again they cannot verify without transparency about what supposedly cannot be verified.DCUs actions are sickening, discriminatory, and possibly unlawful. Their refusal blocks me from accessing essential banking services needed to run my business. At a time when small businesses depend on fair financial access, their conduct is unprofessional and contrary to the standards of a federally insured credit union.I respectfully request the Better Business Bureau hold DCU accountable. I seek:1.Immediate approval of my business account for ********************2.A clear explanation for their inconsistent, obstructive handling.3.Assurance *** will end this practice of spinning consumers with misleading communications.If *** continues this behavior, I will also escalate my complaint to the National Credit Union Administration (NCUA) and any other relevant regulators overseeing credit unions to ensure this matter receives full **************** consumer should endure this level of frustration.

  

  Business Response

  Date: 09/17/2025

  To Whom It May Concern:

  We reviewed the complaint submitted by Tawidi concerning his Personal and Business memberships with ***. Both memberships were closed on 10/24/24 due to inconsistent, unverifiable information, as detailed in our *************** letter sent the same day. On 9/10/25, our *********************** notified Tawidi via mail that his recent Business application was denied because we could not authenticate his information through our standard verification processes.

  While DCU values transparency, details regarding membership denials cannot be disclosed due to regulatory and internal policies.Our investigation found no evidence of discrimination or unfair treatment in Tawidis case.

  Based on the information provided, we consider this matter resolved.

  Sincerely,

  DCU Member Resolutions

   

  Customer Answer

  Date: 09/17/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [PLEASE PROVIDE SPECIFIC RESPONSE NOT VAGUE RESPONSE BEFORE I PROCEED TO A COMPLAINT WITH THE ***
  -you could not verify WHAT INFORMATION? PROOF. WHY IS EVERY OTHER BANK ABLE TO VERIFY ME BUT YOUR BANK? SOUND LIKE DISCRIMINATION.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  Tawidi

   

   

  

  Business Response

  Date: 09/22/2025

  To Whom It May Concern:

  We have reviewed Tawidis rejection response regarding the request for specific information about the denial of his Business membership application with DCU.

  We understand that Tawidi would like clarification on why the Business membership application was denied; however, specific factors contributing to membership denials cannot be disclosed. DCUs Member Resolution Team determined that the investigation by the *********************** was conducted appropriately, and the decision to deny Tawidis application is consistent with procedures for all membership applications.

  Although this does not provide the specific information requested, confidentiality in such matters is maintained to protect the organization and its members. Our investigation found no evidence of discrimination or unfair treatment.

  Sincerely,

  DCU Member Resolutions

• Initial Complaint

  Date:09/14/2025

  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.

  Their online banking is down for 'routine maintenance' all the time. Their bill pay bounces back and they always send notice that it is an 'it issue that has been resolved'. I don't trust this organization. I need my bank to be online during normal business hours. Can't say its 'routine maintenance' when it happens at random times. Do not trust this credit union with your money.

  

  Business Response

  Date: 09/19/2025

  To Whom It May Concern:
   
  We reviewed the complaint submitted by ****** ******* regarding their online banking concerns.
   
  Digital Federal Credit Union (DCU) has thoroughly investigated this matter, and a member of our Digital ****************** communicated the resolution directly to ****** ******* via phone call on September 18, 2025. After communicating with ***, ****** ******* indicated that their complaint was about a different Financial Institution and not directed toward ***. We consider this matter to be resolved.
   
  Sincerely,
   
  DCU Member Resolutions

  Customer Answer

  Date: 09/20/2025

  [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the response submitted by the business and have determined that the response does satisfy my issues and/or concerns in reference to complaint #********. I understand that by choosing to accept the business response that my complaint will be closed as resolved. 
  
  Regards,
  
  ****** *******

• Initial Complaint

  Date:09/08/2025

  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.

  On or about July 28, 2025, I applied for an auto loan with Digital Federal Credit Union (DCU). The loan was initially approved based on my consumer report, which reflected a solid credit history. At the beginning of the process, I was informed that only one pay stub would be required. However, after speaking with a representative over the phone, *** suddenly requested three pay stubs instead. While this was a red flag, I complied because *** offered some of the most competitive auto lending rates. During a phone conversation with a *** lending specialist, I was offered a credit card. I was explicitly told that because my credit report had already been pulled, there would be no need for an additional inquiry. Despite this assurance, I was later asked to provide another pay stub and a W-2 form. I explained that I did not yet have a W-2, as I had only recently begun my employment in January after completing my masters degree in December. I also transparently informed them that I would soon be transitioning to a part-time role in order to take another job that offers health benefits, which my current position does ****** addition to these invasive and inconsistent documentation requests, I was prompted to transfer $500 from my current credit union to DCU. I was then told that it appeared "suspicious" that I did not receive direct deposit, as if manually depositing my own paycheck were grounds for suspicion. For context, I work as a Registered Behavior Technician (***) for a company that is reimbursed by the government on a fee-for-service basis. In **********, employees often receive payments through cash pay cards or physical checks both legitimate methods of payment.What is most disturbing, however, is the underlying tone and treatment I received throughout this process, which strongly suggests racial bias. This has been a deeply demoralizing and painful experience. I have always worked hard.

  

  Business Response

  Date: 09/12/2025

  To Whom It May Concern,

  We reviewed the complaint submitted by ***** ******* concerning the credit card application. We've thoroughly investigated this matter and determined that *****'s membership was locked by our *************** Team. A letter outlining our findings and the account's status was mailed to Ms. ****** on August *******. We consider this matter to be resolved.

  Sincerely,

  DCU Member Resolutions

  Customer Answer

  Date: 09/12/2025

  I reject this response as I did not contact the business and the documents were not received by them until September 8, 2025. Therefore, this issue cannot be consider resolved. This company is racist and racism isnt resolved in one day and all parties will be held liable personally and listed! Thank you! 

  FAQ
  
  Regards,

  Emoni

   

   

  

  Business Response

  Date: 09/18/2025

  
  We reviewed the rejection response submitted by ***** ******* concerning their credit card application.
  As noted in our previous communication, *** conducted a thorough investigation into this matter. We confirmed that the investigation was handled appropriately and in accordance with our established policies and procedures. On August 29, 2025, ***** ******* contacted *** regarding their application. That same day, *** sent an email outlining the account status and the findings of our investigation.
  As part of our process, DCU followed proper guidelines when requesting additional documentation to support the application review.
  Our commitment to fair and unbiased treatment is fundamental to our values. *** confirms that no discrimination occurred in the handling of this application.
  This investigation is considered concluded.

   

  We consider this investigation concluded.
  
  Sincerely,
  *** Member Resolutions

• Initial Complaint

  Date:09/05/2025

  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.

  *** also known as Digital credit Union.an application was filed for car loan on or around October of 2024.confirmation was giving for credit check for pre approval car loan.after back on forth for days as to why my loan application still pending month.decide to cancel application process .in doing so DCU report to **** I cancel $10,000 credit card and refuse to remedy .after several attempts I was told because membership was cancelled credit was also canceled..I never applied or received.i sent with confirmation of loan app for car and no credit card was authorized by me.during initial car loan application no credit card as authorized by me nor informed if cancel membership,my membership cancellation will report as negative impact to ************************* not disputing credit check on record and disputing DCU filing malicious and damaging info to **** and refuse to correct

  

  Business Response

  Date: 09/11/2025

  To Whom It May Concern:
   
  We reviewed the complaint submitted by ****** ******** regarding the authorization, opening, and credit reporting for their DCU Credit Card account. 
   
  We have thoroughly investigated this matter and have determined that his loan account is being reported accurately per Fair Credit Reporting Act (FCRA)regulations. A letter outlining ***'s findings was mailed to ****** on  December 3, 2024. 
   
  Additionally, we have thoroughly investigated these concerns and contacted ****** directly to address them on September 11, 2025. We wanted to provide additional account-specific information, which cannot be provided through this portal for security purposes.
   
  We consider this matter resolved.
   
  Sincerely,
  
  *** Member Resolutions

  Customer Answer

  Date: 09/16/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

  As can see partial attachment conversion with party in question(thay have entirely)the application needed further review for approval within dates ******* action was presented by ****** so application for loan was ********* my application and time member was cancel with ********* then remote to FICO delinquent account to report for $10k card when the application with their own admission I never ************ them reporting delinquency to fico for membership cancellation and credits I never received nor they never fully process .application should be removed from report of having delinquency report .it is inconsistent to have credit check then denied with delinquency report 

   

  

  Business Response

  Date: 09/19/2025

  To Whom It May Concern,
  
  We have reviewed ****** Robinsons comments regarding their credit card account authorization, opening, and credit reporting with Digital Federal Credit Union (DCU).
  
  As noted in our previous response, *** conducted a thorough investigation into this matter and issued a formal notice of resolution to ****** ******** on December 3, 2024. Additionally, *** provided a written response via email on September 11, 2025.
  
  *** has confirmed that all appropriate procedures were followed during the investigation and that the credit card account in question is being reported accurately in accordance with the Fair Credit Reporting Act (FCRA). As no further regulatory recourse is available in this matter, we consider the issue resolved and do not anticipate any additional action.
  
  Sincerely,
  
  *** Member Resolutions

  Customer Answer

  Date: 09/22/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:08/23/2025

  Type:Order 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 am not liable for this debt with Digital Federal Credit Union, I do not have a contract with Digital Federal Credit Union they did not provide me with the original contract as requested.

  

  Business Response

  Date: 08/25/2025

  To Whom It May Concern:

  
  We reviewed the complaint submitted by ******** ****** ******** concerning a correction to his credit report by Digital Federal Credit Union (DCU). The Complainant also submitted this complaint to **** prudential
  regulator. As such, *** will be supplying a response directly to the Complainant and our regulator.
  

  Sincerely,
  

  DCU Member Resolutions

• Initial Complaint

  Date:08/20/2025

  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 am reporting identity theft involving an unauthorized account. The fraudulent account is **********************************, unsecured, $9,500, opened 04/18/2025). I never applied for or authorized this account. I request immediate investigation, removal from my credit report, and written confirmation once resolved.

  

  Business Response

  Date: 08/21/2025

  To Whom It May Concern:
  
  We reviewed the complaint submitted by ****** ****** ******** concerning the unauthorized account    with Digital Federal Credit Union (DCU).
  
  The Complainant also submitted this complaint to **** ********** regulator, the Consumer Financial ***************** (CFPB), on August 21, 2025. As such, *** will be supplying a response directly to our regulator.
  
  Sincerely,
  
  *** Member Resolutions
  

• Initial Complaint

  Date:08/19/2025

  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.

  DIGITAL FEDERAL CREDIT UNION - SYSTEMATIC CONSUMER FRAUD DCU is under investigation by multiple federal agencies for systematic violations: CFPB #******-23307320 (referred to NCUA), FTC #*********, Colorado AG #C-000047499.ONGOING VIOLATIONS:UNAUTHORIZED RATE MANIPULATION: *** secretly increased my auto loan rate from contracted 5.49% to 19% without consent or notice. Discovered January 2025 after paying inflated amounts for years.LIEN PERFECTION FRAUD: Despite collecting on "secured" loan, *** failed to record lien with ************. Title shows NO lien recorded - they have no legal security interest yet continue collecting payments.ILLEGAL FEES: Charged $4,540 in insurance fees due to their own lien perfection failure, not borrower fault.ABUSIVE PRACTICES: When I requested resolution (March-May 2025), *** dismissed complaints as "frivolous" and refused documentation or dispute resolution.FINANCIAL HARM: Paid $16,558 over 25 months while *** had no valid security interest. Credit severely damaged by false reporting.PATTERN EVIDENCE: CFPB complaint #******** shows identical DCU rate manipulation against another consumer.CURRENT STATUS: Under active federal/state investigation for systematic consumer protection violations.RESOLUTION SOUGHT: $125,000 damages, loan dissolution due to invalid lien, credit remediation, clear vehicle title.DCU's ongoing violations continue causing daily harm through false credit reporting and collection on improperly secured debt. Their refusal to engage in good faith resolution necessitated regulatory intervention.This complaint addresses ***'s continuing violations and recent abusive conduct, not the original 2022 loan transaction.

  

  Business Response

  Date: 08/26/2025

  To Whom It May Concern:

  We reviewed the complaint submitted by ******* ***** concerning her Auto Loan and credit reporting.

  We have thoroughly investigated these concerns and determined that ********* loan is being reported accurately per the Fair Credit Reporting Act ("FCRA") regulations.

  In addition, DCU followed all policies and procedures regarding our communication with ******* about her missing insurance and title requirements, which are outlined in her loan agreement. If you have any questions after receiving this information, please call our ****************** at ************ for more specific account details.

  We consider this matter resolved.

  Sincerely,
  DCU Member Resolutions

  Customer Answer

  Date: 09/03/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  [You must provide details of why you are not satisfied with this resolution.  If you do not enter a reason for your rejection, your complaint will be closed as Answered.]
  

  I REJECT DCU's inadequate response and demand real resolution.
  ***'s response CONFIRMS my allegations by admitting to "title requirements" issues - this proves they failed to perfect their lien as I alleged. I have a certified Colorado title search proving NO DCU lien is recorded, meaning they have no legal security interest in my vehicle.
  DCU cannot claim "accurate reporting" when they're reporting on a loan they failed to properly secure under *** Article 9. Their collection on an unperfected security interest constitutes fraudulent debt collection.

  
  UNADDRESSED VIOLATIONS:
  Unauthorized interest rate increase (5.49% to 19%)
  $16,558 in overpayments on invalid security interest
  $4,540 in illegal CPI charges due to their lien failure
  Unsigned purchase agreement questioning transaction validity

  
  PATTERN OF SYSTEMATIC VIOLATIONS: DCU's dismissive response demonstrates the same bad faith conduct documented in CFPB Complaint #********, where another consumer reported identical unauthorized rate manipulation by DCU. This confirms systematic consumer abuse, not isolated incidents.

  
  DCU'S WRITTEN ADMISSIONS: By acknowledging "title requirements" in their response, *** has inadvertently confirmed they failed to comply with Colorado lien perfection laws. You cannot have "title requirements" issues on a properly perfected security interest.

  
  BAD FAITH DISPUTE RESOLUTION: ***'s claim of "resolution" without addressing documented violations or offering compensation violates Fair Debt Collection Practices Act requirements for good faith dispute resolution. Their April 4, 2025 letter calling legitimate complaints "frivolous" further demonstrates systematic consumer abuse.

  
  ONGOING CONSUMER HARM: Every day *** reports negative information to credit bureaus based on an unperfected security interest causes additional damages. Their refusal to acknowledge clear legal violations perpetuates ongoing consumer harm.

  
  FEDERAL INVESTIGATION STATUS: This matter is under active CFPB investigation (Complaint #******-23482924) where DCU has 15 days to provide a substantive response to federal regulators.

  
  DCU's inadequate response demonstrates why federal intervention was necessary. Until *** provides:
  Written acknowledgment of lien perfection failure
  $125,000 compensation for documented violations and ongoing harm
  Complete loan dissolution due to invalid security interest
  Full credit report remediation
  Clear vehicle title with lien release

  
  This matter remains UNRESOLVED and subject to ongoing federal investigation.

  
  ***'s attempt to dismiss legitimate federal violations with corporate talking points is unacceptable and will be reported to **** investigators as evidence of continued bad faith conduct.

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business Response

  Date: 09/04/2025

  To Whom It May Concern:

  We reviewed ********* rejection response concerning her Auto Loan and credit reporting. The Complainant also submitted this complaint to ***'s ********** regulator. As such, *** will be supplying a response directly to our Complainant and regulator.

  Sincerely,

  DCU Member Resolutions

  Customer Answer

  Date: 09/12/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I REJECT DCU's evasive non-response and demand substantive resolution.

  
  DCU's refusal to address my detailed rejection demonstrates their inability to defend documented violations:
  ADMITTED VIOLATIONS IN CFPB RESPONSE: DCU's own CFPB response admits they "never received the title as required" - confirming lien perfection failure I alleged. They also admitted to rate increases without proper federal disclosure.

  
  EVASIVE CONDUCT: Instead of addressing my specific allegations of:
  $16,558 in overpayments on unperfected security interest
  Unauthorized rate manipulation (5.49% to 19%)
  $4,540 in illegal CPI charges
  Federal law violations

  
  DCU deflects to "regulator response" while refusing to engage with documented evidence.

  
  CFPB RESPONSE CONFIRMS VIOLATIONS: DCU's detailed CFPB response actually CONFIRMS every violation I alleged while attempting to justify illegal conduct. Their admission of lien perfection failure proves they have no legal basis for collection or credit reporting.

  
  DEMAND FOR RESOLUTION: DCU's evasive responses across multiple platforms demonstrate systematic bad faith. I demand:
  $125,000 compensation for documented violations
  Loan dissolution due to admitted lien perfection failure
  Complete credit remediation
  Written acknowledgment of violations

  
  DCU cannot hide behind regulatory deflection when their own admissions prove the violations I alleged. This matter remains UNRESOLVED until *** addresses their documented federal violations with appropriate compensation.
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  *******

   

   

  

  Business Response

  Date: 09/17/2025

  To Whom It May Concern:

  We reviewed ********* rejection response concerning her Auto Loan and credit reporting, which were also submitted to our ********** regulator on August 27, 2025. On September 9, 2025, *** addressed these concerns through the regulator.

  We consider this matter resolved.

  Sincerely,
  *** Member Resolutions

• Initial Complaint

  Date:08/19/2025

  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.

  To whom this may concern, I am filing this complaint against *** regarding their handling of an account that was charged off and then assigned to a third-party debt collection agency, Collection **********************************The account in question is listed on my credit report as [DCU Account, **********]. While the bank has charged off the account and placed it with a collection agency, the bank continues to be the original furnisher of the negative credit entry. The collection agency has expressed willingness to settle this debt with me directly. However, I have been informed that only the bank has the authority to authorize or instruct the credit bureaus to remove the original negative reporting once payment is made.I am requesting that *** agree to a pay-for-delete settlement arrangement in which I will promptly settle the account for the amount negotiated with the collection agency, provided that the bank updates or requests deletion of the negative tradeline from my credit reports with Equifax, Experian, and TransUnion.This complaint is being filed because:1.I want to take full responsibility and resolve this matter in good faith.2.I am willing and able to pay the settlement as soon as the bank confirms in writing that it will remove the negative credit reporting upon settlement.3.Without the banks cooperation, the debt remains a barrier to improving my credit profile even after payment, which defeats the purpose of resolving the debt in good faith.I respectfully request that the BBB assist in facilitating a fair resolution. I am not disputing the debt itself; I am simply asking for the opportunity to settle responsibly with the added assurance that my credit will be restored once the debt is resolved.Thank you for your time and assistance.Sincerely,****** *****

  

  Business Response

  Date: 08/25/2025

  To Whom It May Concern:

  We reviewed the complaint ****** ***** submitted, which involved correcting his credit report.
  
  We have thoroughly investigated his concerns and determined that ******* loan account reports accurately per the Fair Credit Reporting Act (FCRA) regulations, and no corrections will be made.
  
  As of today, 8/25/25, our FCRA and Credit ******************** mailed you a Notice of Resolution outlining its findings to the address on file. It can take 7-10 business days to arrive.
  
  Please contact the ***************** of ******************* for further information. We consider this matter resolved.
  
  Sincerely,
  *** Member Resolutions

  Customer Answer

  Date: 08/25/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  I understand that what was written in the report is accurate, I have contacted the debt agency ****** valley The collection agency has expressed willingness to settle this debt with me directly. However, I have been informed that only the bank has the authority to authorize or instruct the credit bureaus to remove the original negative reporting once payment is made. I am requesting that *** agree to a pay-for-delete settlement arrangement in which I will promptly settle the account for the amount negotiated with the collection agency, provided that the bank updates or requests deletion of the negative tradeline from my credit reports with Equifax, Experian, and TransUnion.  I am asking for this in writing so I can proceed with the settlement.

  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

  

  Business Response

  Date: 08/27/2025

  To Whom It May Concern:

  We reviewed ******* rejection response and have thoroughly reviewed this matter with our Collections and Credit Reporting Departments.

  While we understand the importance of having and maintaining good credit, DCU is required to report accurate information per the Fair Credit Reporting Act (FCRA) regulations; therefore, we cannot accommodate a pay to delete request.

  No changes shall occur at this time unless documentation can be provided showing the charge-off was caused by a DCU error.
  

  We consider this matter resolved.
  

  Sincerely,
  DCU Member Resolutions

  Customer Answer

  Date: 08/29/2025

  Better Business Bureau:I have reviewed the response submitted by the business and have determined that the response does not satisfy or resolve my issues and/or concerns in reference to complaint # ********. Please add your rejection comments below; if you do not provide any details, your complaint will be closed as Answered. 

  Although I understand you are unable to honor a pay-for-delete request, I would respectfully ask if you could report the account to the ********************** bureaus as Paid in Full or Paid as Agreed rather than Settled. Once the agreed upon settlement is paid with respective collection agency.This would more accurately reflect my good-faith effort to resolve the debt responsibly and would greatly help me in rebuilding my credit. Like stated previously if this can be noted in writing the debt will be paid as soon as possible to the collection agency, 
  
  Businesses and Customers should be civil, courteous and polite in their responses to complaints. It is important to remain professional and productive when participating in the BBB complaint process.
  
  FAQ
  
  Regards,

  ******

   

   

• Initial Complaint

  Date:08/13/2025

  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 am formally disputing the account listed under account number ********* that appears on my ********************** report. This account was opened without my consent and is the result of fraudulent activity. I have no record of applying for or agreeing to any arrangement with DIGITAL EFCU.Pursuant to 15 U.S.C. 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of a judgment within 30 days of receiving this notice. I have not been provided with any signed contract or documentation showing that I authorized this account. Without a legitimate, legally binding agreement containing my signature, there is no valid basis for this account to be associated with my ******* this account was created fraudulently, I demand its immediate removal from my credit report and the cessation of all collection activity. If you cannot supply proper validation within 30 days, you must delete this account from my record and end all further collection efforts.Please acknowledge receipt of this correspondence and inform me of the steps you will take to resolve this issue.

  

  Business Response

  Date: 08/19/2025

  To Whom It May Concern:
   
  We reviewed the complaint submitted by ******** ********* concerning an Identity Theft Claim.
   
  DCU thoroughly investigated ******** *********** Identity Theft Claim in July and August 2025. During these investigations, we did not find evidence that supports the Claim. Notices outlining our most recent findings were mailed to ******** ********* on August 18, 2025.
   
  We consider this matter resolved.
   
  Sincerely,
   
  DCU Member Resolutions

• Initial Complaint

  Date:08/07/2025

  Type:Customer Service 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 discovered a fraudulent auto loan under my name with your institution. I am not your customer and never authorized this account. I request removal and confirmation of all actions taken.

  

  Business Response

  Date: 08/08/2025

  To Whom It May Concern:
  
  We reviewed the complaint submitted by Yocastilin ********** ******** concerning an Auto Loan with Digital Federal Credit Union (DCU).
  
  The Complainant also submitted this complaint to **** ********** regulator, the Consumer Financial ***************** (CFPB), on August 7, 2024. As such, *** will be supplying a response directly to our regulator.
  
  Sincerely,
  
  *** Member Resolutions