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Business Profile

Credit Union

Point Breeze Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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    Customer Complaints Summary

    • 7 total complaints in the last 3 years.
    • 4 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:06/16/2025

      Type:Product Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      6/12/2025 at 5:53pm As instructed by Navy Federal Credit union representative I deposited $700.00 into the outside *** of Point Breeze Credit. Union. The *** gave back $20.00 stating exceeding the daily deposit amount. Point Breeze was to deposit the $680.00 into my Navy Federal account.

      Business Response

      Date: 06/24/2025

      June 24, 2025


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

      RE:  Complaint 23473510

      Dear Ms. ******************* you for your recent inquiry regarding the atm deposit on your Navy Federal account while using a Point Breeze Credit Union atm. 

      On June 12, 2025, you visited our Bel Air office and attempted to deposit $700 into your Navy Federal Account while using a Point Breeze Credit Union atm.  The machine returned $20 and the deposit was not completed. When a non-member encounters an issue when using a Point Breeze Credit Union ATM, they are instructed to file a dispute claim with their institution.

      On June 24, 2025, I spoke to Ms. ***** and confirmed the transaction has been corrected and is no longer an issue.

      At Point Breeze Credit Union, our mission is to provide a superior financial experience for our members and non-members.    

      I am available if you would like to discuss this further.  You may contact me directly at ************.

      Sincerely,

      ***** ****
      Senior Vice President, Chief Member Relationship Officer
      Point Breeze Credit Union


    • Initial Complaint

      Date:06/16/2025

      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 writing to inform you that a fraudulent account has been opened in my name with PT BREEZE. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: PT BREEZE Opened Date: 8/1/2023 Account Number: ************High **********************: $28,644.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the accounts closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 06/23/2025

      June 23, 2025


      **** Kanice *******
      **********************************************
      *******************


      RE:  Complaint 23473266

      Dear Ms. ********************* you for your recent inquiry regarding the credit reporting information on your credit report. 

      The account and vehicle for the loan with an open date of 08/15/2023 (Account ************* is a valid account.  The loan has a deficiency balance due to the vehicle being totaled on November 10, 2024. When we contacted you in December 2024, you were upset due to not signing ************* with the dealership. The credit union provided options to satisfy the deficiency balance.  On May 30, 2025, you called us to state that you were suing the dealership.  We explained that the balance is still due and will need to be satisfied to avoid legal action and charge-off.  The remaining balance is a deficiency balance of the vehicle loan.  The information reporting on the credit report is accurate. 

      I am available to discuss this matter further and in more detail.  You may contact me directly at ************.

      Sincerely,


      ***** ****
      Senior Vice President, Chief Member Relationship Officer
      Point Breeze Credit Union

    • Initial Complaint

      Date:12/12/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Dear *********** am writing to dispute the accuracy of an account listed on my ********************** report under PNT BRZE CU, shown as follows:Creditor Name: PNT BRZE CU Date of Account: 6/25/2018 Account Number: ********** I am a victim of identity theft and did not open this account. This is a fraudulent account opened in my name without my consent. I have filed a complaint with *****************, and I have enclosed a copy of the complaint for your reference.Please investigate and remove this fraudulent account from my ********************** report as soon as possible. I kindly request confirmation once the issue has been resolved.Thank you for your assistance in rectifying this matter.

      Business Response

      Date: 12/26/2024

      December 24,2024


      ******* Arntrell ****
      2706 Auchentoroly Ter
      ********************

      RE:  Complaint 22676655

      Dear Mr. ****************** you for your recent inquiry regarding the credit reporting information on your credit report. 

      The vehicle for the loan with an open date of 06/25/2018 (Account ************ was closed/repossessed on 02/09/2023 due to non-payment.  The vehicle was sold at auction.  The remaining balance is a deficiency balance of the vehicle loan. The information reporting on the credit report is accurate. 

      I am available to discuss this matter further and in more detail.  You may contact me directly at ************.

      Sincerely,


      ***** ****
      Senior Vice President, Chief Member Relationship Officer
      Point Breeze Credit Union

    • Initial Complaint

      Date:11/11/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am writing to dispute an unauthorized account reported by *** BRZE CU on my credit report. This is my second attempt to address this issue, as I previously disputed this account with no resolution. I urge you to take immediate action, as this is an issue of identity theft that I have also reported through IdentityTheft.gov.The account in question, opened on 06/12/2016 with account number **********, is fraudulent. I did not open this account, nor did I authorize anyone else to do so on my behalf. The presence of this account on my ********************** report is damaging to my credit and is a result of criminal activity. I demand that *** BRZE CU immediately investigate this matter and confirm that this account was not opened by ***** part of my dispute, I expect that this account will be removed from my credit report and that any associated negative information will be permanently deleted. I am a victim of identity theft, and it is critical that this erroneous information is corrected to prevent further harm.

      Business Response

      Date: 11/20/2024

      November 20,2024


      ***** Delan *******:
      *****************************************************************************

      RE:  Complaint ********

      Dear Mr. ********************* you for your recent inquiry regarding the credit reporting information on your credit report. 

      The vehicle for the loan with an open date of 09/24/2021 (Account *********** was repossessed on 03/03/2023 due to non-payment.  The vehicle was sold at auction.  The remaining balance is a deficiency balance of the vehicle loan. The information reporting on the credit report is accurate. 

      If you have any supporting documentation, please follow-up with me to provide. 

      I am available to discuss this matter further and in more detail.  You may contact me directly at ************.

      Sincerely,


      ***** ****
      Senior Vice President, Chief Member Relationship Officer
      Point Breeze Credit Union

    • Initial Complaint

      Date:06/23/2024

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Recently, I became a victim of identity theft, which has caused significant issues with my credit report. Despite settling my balance in full, my credit report incorrectly shows a pending balance for an account with *** **** **. The details are as follows:

      *** **** **: Account Number **********, opened on September 24, 2021, with an erroneously reported balance of $17,905.00.
      This error has led to rejected credit applications, higher interest rates, significant stress, anxiety, and damage to my credit reputation, severely affecting my ability to secure essential financial products.

      I have contacted *** **** **, who confirmed the error and submitted corrections to the credit reporting agencies. However, my credit report has not been updated. Under the Fair Credit Reporting Act (FCRA), I am entitled to an accurate credit report and timely correction of errors.

      I request the BBB's assistance to ensure this erroneous balance is removed from my credit report, my credit report reflects the correct paid-in-full status, and I receive a formal apology from *** **** ** for the inconvenience caused. Your help in resolving this matter promptly would be greatly appreciated.

      Business Response

      Date: 07/02/2024

      Dear Mr. *******,

      Thank you for your recent inquiry regarding the credit
      reporting information on your credit report. 

      The vehicle for the loan with an open date of
      09/24/2021 (Account **********) was repossessed on 03/03/2023 due to
      non-payment.  The vehicle was sold at
      auction.  The remaining balance is a
      deficiency balance of the vehicle loan. 
      The information reporting on the credit report is accurate. 

      I am available to discuss this matter further and in
      more detail.  You may contact me directly
      at 443**********

      Sincerely,

      ***** ****
      Senior Vice President, Chief Member Relationship
      Officer
      Point Breeze Credit Union

    • Initial Complaint

      Date:07/04/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with Point Breeze Credit Union. The collection was falsely reported. Point Breeze Credit Union said it was removed, but I still see it on my credit report.

      Business Response

      Date: 07/07/2023

      July 7, 2023


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

      RE:  Complaint 20270715

      Dear Ms. ******************** you for your recent inquiry regarding the credit reporting information on your credit report. 

      On June 5, 2023, you communicated via email about a missed payment being reported on your credit bureau report.  On the same day, our team communicated to you via email the removal of the 30-day past due on the credit report.  We also recommended you contact the credit bureau to ensure the reporting is updated in a timely manner since each bureau reports and updates at different intervals such as once per month and/or these updates can take up to ***** days. 

      At Point Breeze Credit Union, our mission is to provide a superior financial experience for our members, and we are very sorry we didnt live up to your expectations.   

      I am available to discuss this matter further and in more detail.  You may contact me directly at ************.

      Sincerely,

      ***** ****
      Senior Vice President, Chief Member Relationship Officer
      Point Breeze Credit Union

    • Initial Complaint

      Date:06/18/2023

      Type:Customer Service 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.
      Despite my attempts to resolve the issue directly with the credit union, I have been met with unhelpful responses and a lack of resolution.On the evening of 6/15/23, I noticed a fraudulent transaction on my account statement at **********************. The transaction was allowed to go through, leading to an overdraft and causing significant financial hardship. I immediately contacted the credit union on 6/16/23 to report the issue and request provisional credit for the amount in question until a thorough investigation could be conducted.Unfortunately, **** customer service has been highly unsatisfactory. The branch teller, customer service representative (*****), and assistant manager (***** ****) were dismissive, unprofessional, and even rude during my interactions with them. Initially, I was told that I needed to make an appointment to file a fraud dispute or wait for an estimated period of 1 to 2 hours. Despite my compliance, when I was finally attended to, the customer service representative informed me that she had been on lunch for the past 2 hours, leaving me feeling frustrated and disrespected.I believe that the credit union has failed in its duty to protect its customers and provide adequate customer service. As a result, I suffered financial loss and endured unnecessary stress and inconvenience. Therefore, I kindly request the BBB to investigate this matter thoroughly and take appropriate action to address the following concerns:The credit union's negligence in allowing the fraudulent transaction to go through, leading to an overdraft on my account.The *********************************************'s refusal to provide provisional credit for the amount in question, despite acknowledging the error.The unprofessional behavior displayed by the branch teller, customer service representative, and assistant manager, which includes providing incorrect information, extended wait times, and lack of empathy.

      Business Response

      Date: 06/28/2023

      ***** *****-*******
      ************************
      *******, MD  21222

      RE:  Complaint 20197653

      Dear Ms. *************************** you for your recent inquiry regarding the fraudulent transaction on your Point Breeze Credit Union account. 

      On June 16, 2023, you visited our *************** to dispute a transaction with ATT Bill ******* in the amount of $434.23.  Our recommendation was to contact the merchant first regarding the disputed transaction.  During your visit, you preferred to file the dispute directly with Point Breeze Credit Union and not contact the merchant.  The dispute was filed and a provisional credit of $434.23 was granted on the next business day of June *******, well in advance of the mandated timeframe.  Any fees, including overdraft fees, caused by the disputed transaction were waived or refunded.

      At Point Breeze Credit Union, our mission is to provide a superior financial experience for our members, and we are very sorry we didnt live up to your expectations during your visit to our ******** location on June *******.  

      I am available if you would like to discuss this further.  You may contact me directly at ************.

      Sincerely,

      ***** ****
      Senior Vice President, Chief Member Relationship Officer
      Point Breeze Credit Union

      Customer Answer

      Date: 07/02/2023

       

       

       
      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,

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

    Point Breeze Credit Union is NOT a BBB Accredited Business.

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