Complaints

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

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  Skyla Credit Union

  718 Central Ave Charlotte, NC 28204-2024

• 

  Skyla Credit Union

  1835 W W T Harris Blvd Charlotte, NC 28262-8528

• 

  Skyla Credit Union

  4525 Sunset Rd Charlotte, NC 28216-2355

• 

  Skyla Credit Union

  148 Charlotte St Asheville, NC 28801-1923

• 

  Skyla Credit Union

  114 E Gold St Kings Mountain, NC 28086-3432

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:06/25/2025

  Type:Sales and Advertising 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.

  This credit union sent me offers exclusive to me and the declined me after doing several hard inquiries. One offer was for a personal loan and one offer was for a car loan. The inquiries hurt my credit.

  Business Response

  Date: 07/03/2025

  Skyla Credit Union has reviewed Complaint ID ********. 

   

  Mr. *****,

  Skyla CU uses its online mobile app to show our members the type of loan products that we have available. These are not pre-approved or pre-approval loan offers. The marketing that you see within the app indicates available products you may be interested in that you do not currently have with Skyla Credit Union. Once you apply for a loan, a complete loan evaluation of your credit history is conducted for a loan decision. The adverse action that you received will have the detailed reasons that were a factor the loan denial decision. 

  If you would like to discuss your personal credit report history, please give us a call and ask to speak with a loan representative, a financial wellness representative or visit your local branch. We welcome the opportunity to help find a solution for your financial needs. 

  Customer Answer

  Date: 07/03/2025

   
  I am rejecting this response because:

  He addressed an irrelevant topic. I wasn't complaining about offers in general,  I was complaining about offers just for me,as my message and photo shows.   By saying an offer was EXCLUSIVE for me, it's misleading and they ran a hard credit inquiry. He has yet to address this "exclusive offer"  . I don't expect them to do anything else. I have already left reviews on many platforms.  I just am not satisfied. I should have read the reviews on this business before opening an account. I don't need any more response. 

  
  

  Business Response

  Date: 07/10/2025

  Mr. *****, 
  Skyla has reviewed your complaint. The loan offers that are located within the online banking application are loan recommendations, as stated in your pictures. These are not pre-approved loans, exclusive to you only or any indication of loan approval. Requests for loans must still follow underwriting standards and meet underwriting requirements for an approved loan decision. This disclosure is listed at the bottom of the offer page. Records indicate that you applied for loans on 5 occasions, March 11, 2025, twice on April 11, 2025, and twice on June 13, 2025. Skyla obtains a credit report each time an individual submits a loan request; however, we will not obtain a credit report if the last credit report on file is less than 30 days. Thus, your credit report was obtained on March 11, 2025, once on April 11, 2025 and once on June 13, 2025. In accordance with the definition of permissible purpose of the Fair Credit Reporting Act, the credit reports were obtained in conjunction with your submitted loan request applications.

  Skyla has no additional information on the matter.

  Customer Answer

  Date: 07/10/2025

   
  I am rejecting this response because: I didn't apply 5 times. They may have ran my credit many  times with their robotic automatic website.  I have taken the appropriate action.

   I have no further comment on this matter. 

  
  

• Initial Complaint

  Date:06/05/2025

  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.

  Everything on my husbands debit card started being flagged as fraud, he would verify that it was him attempting to pay or use an ATM to get cash and then it would immediately flag the transaction as fraud again. He called the number on the card and customer service suggested the best way to fix this was to send him a new card. He agreed. A new card was never mailed. I tried to use my debit card and started having the same problem. I needed to pay with cash and tried to use an ATM and the card was ************* customer service was useless and asked questions about deposits instead of helping, a supervisor said they had no notes on a new card, but would escalate the issue and have someone contact us. No one has contacted us.We have not had debit cards or access to cash since May 17th. This is unacceptable. This bank should be investigated for deactivating cards without notice and leaving their customers without access to funds.

  Business Response

  Date: 06/06/2025

  Skyla Credit Union has review complaint ID ********

  In reviewing the account, it was determined that the chip in the primary debit card could not be read and that the card was being "swiped" for transactions. Due to security measures, when the swipe method is used (instead of inserting the chip into a card reader), it can cause fraud alerts. The solution is to obtain a new card so that the chip can be properly read when inserted into a card reader. Skyla has processed a replacement for the primary card and the shipment is being expedited. Skyla also reviewed the joint debit card and found no current issues with the card. If you would like to replace the joint debit card, please give us a call at ************ or visit your local branch. 

  Skyla considers this review completed and all matters resolved. 

  Customer Answer

  Date: 06/06/2025

   
  I am rejecting this response because: The second card needs to be replaced, as I told them, the Skyla-partnered ATMs in my area show the card as "invalid". And both cards should be shipped with an expedited method. This is a ridiculous process to receive new cards. I have told them MULTIPLE times over MULTIPLE phone calls that both cards are NOT functioning and we NEED access to cash. I have also filed a complaint with the ****. Banks should not have the power to withhold help from their customers because they decided they see "no issue" when I am physically inserting a card into an ATM and getting an error message that I can see with my own eyes and with my empty hand because it won't allow me to get cash!! 
  

  Business Response

  Date: 06/10/2025

  As an update to the complaint, both cards have been reissued and will arrive by *****/***. Please note that it may be two separate envelopes. Thank you.

• Initial Complaint

  Date:06/01/2025

  Type:Product 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.

  Every month I get my disability SSI check directly deposited. they hold on to my check for days on end until something comes through and puts my account to the negative. Then they release my money after assessing a over draft fee. Now this month They have been holding my deposit since the 29th. According to my official government papers i received from social security my money was released by the government for me on the 30th. Along with a notice that we were being paid on the 30th for june's payment and not to think we had an extra payment. However, now my account is $51.00 overdrawn and my money still has not been released.

  Business Response

  Date: 06/05/2025

  Skyla has reviewed complaint ID ********.

  Skyla requests that you give us a call or visit your local branch to discuss this matter. Due to the public nature of the BBB website, we will not be able to fully answer the complaint through this method. However, records indicated that your last direct deposit was received on June 2, 2025 and there were no holds applied to the deposit. This date will vary from the date it is sent from the originating party.

  Skyla has completed its investigation of this complaint and considers all matter resolved.

• 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.

  This banking institution placed a inaccurate charge off on my credit profile that is causing major harm to my credit. This account needs to be removed, I've never had any credit extended to me from this institution per the **** this account must be removed from my credit profiles Transunion, Equifax, & Experian.

  Business Response

  Date: 06/05/2025

  Skyla has reviewed complaint ID ********. 

  Skyla CU is formally known as Charlotte Metro Credit Union. This complaint references an account that had been opened since 2016. Records show that the account was charged-off in 2024 with a debt owed to the credit union. Records also show that the charge-off debt was paid on December 27, 2024. Thus, the credit report should reflect the status of "Paid Charge Off". 

  As no errors have been found, Skyla considers this complaint investigated and all matters resolved.

  Customer Answer

  Date: 06/08/2025

   
  I am rejecting this response because:  I am writing in response to a charged-off account reported by ********************** that is inaccurate. After reviewing my records, I believe this account has been reported in error and does not reflect my credit history or any outstanding obligation owed by me. Under the Fair Credit Reporting Act (FCRA), This incorrect reporting is negatively impacting my credit and financial standing. I ask that you investigate this matter thoroughly and correct the error as soon as possible. Failure to request removal of the account from all three credit companies will result in me continuing escalation to result in lawsuit against Skyla Credit Union for Negligence with my lawyer ********** *********, PLLC.
  Thank you for your attention to this matter. I look forward to your prompt resolution.
  Sincerely,
  
  
  

  Business Response

  Date: 06/09/2025

  Mr. *******,

  To clarify our response to your complaint: You do not currently owe a debt to Skyla Credit Union FKA Charlotte Metro Credit Union. While the did charge off for negativity beyond 45 days in October 2024, the charged off debt was paid in December 2024. Our records reflect that you have a Paid Charge Off and that is the information that is being reported to the national credit bureaus. A copy of the Skyla CU credit reporting has been added for your records. NOTE: For security, some information has been redacted.

• Initial Complaint

  Date:03/28/2025

  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.

  Subject: Hardship Dispute, Request for Deletion, 1099-C Form, Privacy Notice, and ************** Account To Whom It May Concern,I am writing regarding my account with **********************. Due to ongoing financial hardship caused by reduced income, I am no longer in a position to continue making payments on this ********** accordance with the Fair Debt Collection Practices Act (15 U.S.C. 1692), I formally dispute the validity of this debt. I request full documentation, including an itemized breakdown, any signed agreements, and proof of the debts origin.Additionally, under 15 U.S.C. 6802, which protects the privacy of nonpublic personal information, I request that my financial information not be shared, sold, or disclosed to unauthorized third parties. Please confirm your compliance with this law.Due to my current financial circumstances, I respectfully request the following:Forgiveness of the remaining balance on this account;Issuance of a ****** (Cancellation of Debt) form, in accordance with IRS requirements;Immediate deletion of this account from all consumer credit reporting agencies (Experian, Equifax, and TransUnion).Furthermore, I formally request that Skyla Credit Union cease and desist all further communication with me regarding this account. This includes but is not limited to phone calls, emails, letters, and textsexcept as required by law or to confirm account resolution.Please provide a written response within 30 days of receipt of this letter. Failure to validate the debt, comply with my privacy rights, or honor this cease and desist request may result in formal complaints filed with the ************************************ (****) and the Federal **************** (FTC).Thank you for your time and understanding.

  Business Response

  Date: 03/31/2025

  Skyla has reviewed and investigated Complaint ID ******** and respond accordingly below.

  After review of account records as well as complainants' admission of owing the debt, Skyla has found the information to be accurate as reported to the national credit bureaus. Skyla Credit Union has denied the request to forgive the amount owed.  

   

• Initial Complaint

  Date:02/26/2025

  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 went over my credit balance with Skyla, which caused my credit scores to deflate. So when I noticed I immediately paid down my card, so my scores would increase. However, Skyla has not updated balance to reflect on my credit and my scores continue to decrease due to this, which is inaccurate and a violation of the ***** I need this issue rectified before filing complaint with ****.

  Business Response

  Date: 03/06/2025

  Skyla Credit Union has reviewed complaint # ********. 

  Skyla reports loan activity monthly to national credit bureaus. Credit card balances do not report to the credit bureaus until the date noted as "Statement date" on your credit card statement which would have been 01/31/2025. Thus, the balance, along with interest due, reported accurately on 02/01/2025 was $1574.46. As stated in your complaint, you made a payment on 02/11/2025. That payment along with any **************, including interest due, that would affect your credit card balance would be reported after your next "Statement date" for February activity. Your statement date for February activity was 02/28/2025. Thus, your new credit card balance of $1746.24 was reported to the national credit bureaus on March 1, 2025. At no time during these statement periods has Skyla CU reported your credit card balance as over your credit card limit.

  Skyla Credit Union considers this complaint reviewed and closed. 

• Initial Complaint

  Date:02/18/2025

  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 find this account to be incorporated with inaccurate information, I strongly believe this to be misleading and misrepresentation of my credit history.

  Business Response

  Date: 02/25/2025

  Skyla Credit Union has reviewed the attached Complaint ID ********.

  While your complaint did not contain specific dispute information, historical records have been reviewed and we have found no errors in the amount owed to the credit union. You may request a copy of your final account statement.

   

  Skyla Credit Union considers this complaint investigated and closed.

   

• Initial Complaint

  Date:01/28/2025

  Type:Product 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 have been on disability since 9/19/2024, I initiated a claim on 10/16/2024 and my claim (disability payment insurance) was approved. At some point, the payments did not align with the due dates of my loan. I became aware of this misalignment on January 2. I immediately called Skyla Credit Union and spoke with a representative (who was rude). She was correct in advising me that it was my responsibility to stay updated on my payments, however, her delivery was unprofessional and rude. I asked her if my late payment had been reported to the credit bureau and she stated "No, not yet". because of her rudeness, I asked to speak with a supervisor and while I was on hold, I logged into my account and made a payment to bring the account current until I was able to speak with the payment insurance company. Since then, my account has been current, and the insurance has been paying accordingly. However, in late January I received a notification that Skyla reported my payment late despite what the representative advised me. This has negatively impacted my credit and financial stability. I am seeking support with getting this late payment removed.

  Business Response

  Date: 02/12/2025

  Skyla Credit Union has reviewed the submitted complaint. A review of account records shows that loan payments have been reported accurately to the credit bureau. We are asking Ms. ****** to please contact the Credit ******************** to discuss specific details of her account. 

  Thank you.

• Initial Complaint

  Date:01/15/2025

  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 have worked with **** ***** since September 20, 2024 on getting funds from an account at ********************** that I am inheriting. I worked with other bank employees for six weeks before that and they would never get any of the funds to me. **** also has not sent any of the funds to me and I have paid a number of fees totaling about $10k.Most recently he tried to send me a payment to my bank account for which ********************** sent me a text message stating a fee of $375 was required. After three days my bank got the payment into my account but they did not accept it because it is an unacceptable risk to them. **** will not work with my bank to convince them that it is a valid and acceptable payment. Now he has not emailed my back since noon Monday.I want Skyla to start giving me my inheritance and stop charging me fees. This has been a horrible experience.

  Business Response

  Date: 01/22/2025

  The Credit Union has reached out to this consumer directly. Unfortunately, it appears that this may be related to a scam. 

• Initial Complaint

  Date:09/23/2024

  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 would like to be unblocked from doing online deposits and doing mobile deposits for cash and checks at the atm. I have rights blocked that other customers have.

  Business Response

  Date: 09/30/2024

  Skyla has reviewed complaint #******** concerning online banking and mobile deposit access.  After thorough review of account history, we could not find sufficient positive history of deposited checks to enable mobile deposit access at this time. Please begin to deposit checks manually to develop a positive check deposit history and we will be happy to review the request after a three-month period. Deposited checks should be comparable to checks that would be deposited through the mobile deposit service. 

   

  Thank you, 

  Risk Department

  Skyla Federal Credit Union

  Customer Answer

  Date: 10/01/2024

   
  I am rejecting this response because: This is an unacceptable response they wont even let my deposit cash at an atm. I feel like this is happening because Im a black customer.
  
  

  Business Response

  Date: 10/01/2024

  Mr. *******,

  Please contact Skyla and ask to speak with Mrs. ***** in the *************** to discuss the specific details of your account. Thank you.