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Business Profile

Credit Union

Civic Federal Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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Civic Federal Credit Union has 4 locations, listed below.

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    Customer Complaints Summary

    • 50 total complaints in the last 3 years.
    • 45 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:07/14/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 tried multiple times to reach a human being at CIVIC CU.I got a person who answered the phone within the first 5 minutes but was only someone who transferred calls. Once she transferred my call, I was on hold for over an hour and a half where not 1 single person attempted to retrieve my call off of hold.This transpired on 14 July 25.This is the worst Credit Union I've ever been stuck doing business with and if they didn't buy my mortgage, I would NEVER do business again. Their customer service is non existent. The only local branch does not have a single person who has any decision making abilities, only tellers.The wait in line at this branch is as bad as on the phone.I don't know who is over the decision making here, but they are running a horrible business.

    • Initial Complaint

      Date:07/14/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 a member of LGFCU for years. They have since transitioned into Civic Credit Union. I havent received a debit card over a month. I was sent a *** access card which is NOT a debit card. While I was sent the *** card, there was no pin sent with it. So, I'am not able to withdraw or deposit funds into my account. Before, the transit I owed money on my credit card and wasnt able to make my payments which is caused my credit card account/card to be closed, However, now im able to make payments. I've contacted civic multiple times, via chat, email and over the phone. I have not been shipped a debit card with a pin. When trying to email, they say the email no longer workers. When going through the chat it continues to glitch. When going through phone call they redirect you to the app or another number. Iam fed up and want my account closed and sent to a third party collections agency so I can start making payments. All you have to do is a do a ****** search and see I'am not the only person that is experiencing major issues with civic. This matter is dealing with my credit, which impacts my livelihood. The app continues to crashes and all customer service can do is recommend you to go on the app and talk to ******************* Below Im only able to provide my savings account because my checking account was closed with LGFCU because of my missing payments for my credit card.

    • Initial Complaint

      Date:07/14/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      Havent had access to my account in 4 days. Long wait times just to not get to speak with anyone or get the issue resolved. All Im getting is that someone will call me back or transferred or a representative saying it will be fixed within an hour when it still hasnt been fixed. Cant view my accounts, move money, or use my debit card.

    • Initial Complaint

      Date:07/14/2025

      Type:Product Issues
      Status:
      Unanswered
      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.
      They merged with LGFCU. And it has been a nightmare since. Didnt receive my debit card for my joint acct. finally received it but when I used it the funds came out of my daughters account. I called on 6/27 regarding this. Was told I would have a new card sent out priority on Monday since it was after 5 Friday. It is not 7/14 and still no card. I sent a email message on 7/3 inquiring about card. Still 7/14 and still no response. So I do t have access to my joint account. Also opened my daughters account on 6/14 and as of today 7/14 still havent received her debit card. WORST CUSTOMER SERVICE. I never had any trouble with LGFCU.

    • Initial Complaint

      Date:07/14/2025

      Type:Billing Issues
      Status:
      Unanswered
      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.
      Shortly after Local Federal Credit Union(which I was a member) parted ways with SECU and went on their own to form Civic federal Credit Union, I was forced to join the Civic credit union. We transitioned over on June 1st 2025. Immediately after that, I began to see suspicious activity on my account. I tried numerous attempts to call customer service, sometimes staying on the phone for several hours and no answer. I sent messages on my online account that went unanswered. On 06/30/2025, I went to the branch in *******, and was told that my online account had been compromised and that an investigation was started, also my account was locked or disabled. I was told by a **** named *** that I would be contacted. As of today 07/12/2025 no one has contacted me. I have been to the branch 3 times and was told each time that my account was locked. I have my social security check direct deposited and bill pay set up through this credit union account that has been frozen and need to be replaced with a new one, along with a new savings and new HELOC account. I have no access to my accounts and have been told no one knows when or how long this will be resolve!!!

    • Initial Complaint

      Date:07/14/2025

      Type:Product Issues
      Status:
      Unanswered
      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 June 23rd 2025 a check from **** was mailed to Civic Credit Union in the amount of $5.149.29 (check#******) to pay off a credit card balance for transfer to the **** CC. I have contacted Civic 3 times concerning this card and am not satisfied they even know what they are doing. They are dragging their feet in processing the transfer balance check which is causing me to pay this balance on two credit cards now, it is accruing more interest and my credit report shows I have two high balance credit cards, one from civic and one from the secu which has caused a hit on my credit score. My wife and I completed her and my transfers on the same date, same time and her credit card balance was paid off over a week ago! There should be no interest paid on their slow processing habits. I will be contacting the *****'s Office to investigate shady practices on delaying processing my payoff so they can get more money from the interest.

    • Initial Complaint

      Date:07/14/2025

      Type:Product Issues
      Status:
      Unanswered
      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 called and asked for a new bebit card since June 11 2025 today is July 11 ************************************************************************ anything

    • Initial Complaint

      Date:07/14/2025

      Type:Customer Service Issues
      Status:
      Unanswered
      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.
      So both of my parents are deceased and I have sent the appropriate documents to ****. After not being able to get any answers over the phone I drove over an hour away to the nearest branch and was told there was nothing they could do or tell me about their account. I left my name and number for a follow up call and was reassured that I would be kept up to date. I have not received any information about the accounts to date. I have called numerous times and after being on hold and then being told that I would have to speak to a different department and placed on hold for over 2 hours I was transferred where the only options were to do a survey or disconnect the call. After 2 hours on hold do they really want you to take a survey when I have not even spoke to someone and then my call being disconnected on their part. I just need to close these accounts so I can close my parents estate this is absolutely ridiculous after suffering a loss and now having to deal with this nonsense!!!

    • Initial Complaint

      Date:07/11/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      Our accounts transitioned to Civic from LGFCU June 1, 2025. We have never had any problems with LGFCU. In June I made a full payment on my ***** account, only for it to show "not paid" with a past due balance. I called to see what happened. After 5 hours on hold with the company, no one knew how to help me and said they would call me back. They did resolve the issue at that time and called me back but blamed it ON ME!!! Now for July, we are back at square one trying again to make a payment on this ***** account. I waited 3 hours again for a call back, the HELOC "specialist" didn't know how to help and again said I was making the payment wrong when there is no other option when I go to make the payment. I cannot choose how the payment is applied (apparently this is my fault again!) I was transferred to *******, a Loan Officer at **** who all but cussed me out because I was sent to the wrong department. I am fed up with this and just want to pay my bills on time and have them reflect accurately!! This is not to mention that we also have a LGFCU legacy credit card that transferred to Civic as well and it is not updated to reflect my most recent purchases.

    • Initial Complaint

      Date:07/10/2025

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      Paid off a loan on 6/3/2024 and as of 7/10/2024 the lien has not been released with ***** and I still have not received a title. I have called three times, twice I was told that I would receive a call back and the third time I was on hold for 50 minutes and informed that they were all tied up and I would have to continue to hold or receive a call back.

    Civic Federal Credit Union is NOT a BBB Accredited Business.

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