Complaints

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

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• 

  Oregon Community Credit Union

  2880 Chad Dr Eugene, OR 97408-7336

• 

  Oregon Community Credit Union

  840 NW 9th St Corvallis, OR 97330

• 

  Oregon Community Credit Union

  5402 River Rd N Salem, OR 97303

• 

  Oregon Community Credit Union

  875 SW Rimrock Way Suite 100 Redmond, OR 97756

• 

  Oregon Community Credit Union

  780 NW Garden Valley Blvd Suite 61 Roseburg, OR 97471

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:09/22/2025

  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.

  Dear Collector: My credit report shows a collection from your agency. I was never notified of this collection. Whats more, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, please provide me with a copy of all the following:1) An explanation of what this alleged account balance is ****** A complete Audit Trail calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.3) Documentation that shows I agreed to pay this debt with my signature and documentation shows i gave you permission to have my information and paperwork showing i gave you authorization to report this to my credit report. No consent to you having my information and unathorized use of my social security number is identity theft and you will be reported for such.4) The Agreement that grants you authority to collect on this alleged debt.5) A copy of your state license, including license number that give you rights to collect in my state.6.( The purchase agreement)7.( Swear under penalty of perjury you were present during the alleged debt)8.( Demand You provide Chain of Custody for account to ensure the financing and hand to hand transfers is correct)9.(Master Bill ** Sale)******Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Stop contacting me about this or any other matter you have. cease and desist ASAP and delete this account from my ********************** reports, except to provide me with accurate validation of this debt by U.S. mail only.I also submitted this letter to the ************************************ (CFPB), My State *********************** and The Better Business Bureau to have confirmation of proof if you respond without the proper validation request or not in the 15 day timeframe you have.

  Business Response

  Date: 10/07/2025

   

  Hello, 

  Please find attached OCCU's response to Complaint ID No. ********, ******. Please let me know if you have any questions.

  Thank You,

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:09/16/2025

  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.

  Dear OCCU:I have been a member since 1997. I enjoy a good relationship with OCCU. I enjoy our support of the Oregon Ducks with football game calendars and Friday game dress-up and the like. I trust OCCU. I have Autism and everyone is very kind to me regarding, in particular **** over at the 29th Willamette branch.I have been trying to build my credit both online and through committed repayments. And believe me, I have had some predatory loans in my lifetime most notably ********* at 28% on my car loan because 'I didn't have a credit history.' So I transferred my car loan over to OCCU at *****% after 12 months of repayment.I went into the 29th branch because I was worried. I wanted to extend the loan on my vehicle because it had retained value with its Acura engine and luxury features: seat heaters, lane departure warnings, back up camera and blind side camera. Unfortunately I didn't fully understand that the interest rate would be raised to 20%; I was pie eyed. I added to the principal solely to pay off several credit cards which **** helped me with from her desk.I wondered if given the fact that I now know that 130 dollars of my monthly payments goes to interest alone, and much less than that (92 dollars) to the principal, if OCCU wouldn't consider lowering my interest rate back to *****% on my auto loan? It is the same vehicle.I understand that this would be an accommodation for my Developmental Disability.I do not have mental ******ation like many folks within my category but I am impulsive, have high anxiety and on occasion lack judgment.Thank you for considering the request.I will be unable to calculate the difference between ***** and 20% since the auto loan rewrite but again, I trust you.

  Business Response

  Date: 10/02/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, **** ********. Please let me know if you have any questions.
  

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:09/04/2025

  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 a complaint regarding inaccurate credit reporting by Oregon Community Credit Union. On my Equifax credit report, OCCU is reporting 20 late payments on my account. This information is not appearing on my Experian credit report, which indicates that the late payment history being reported by ******* through OCCU is inaccurate and not properly verified.I have disputed this matter with Equifax, and OCCU was supposed to correct or remove the inaccurate information. Despite this, the 20 late payments continue to be reported on my Equifax file, which is damaging my credit profile and opportunities.The nature of the dispute:Date of issue: Ongoing within the past 12 *************** commitment: OCCU was obligated to accurately report my account information and correct errors when notified.Resolution requested: Full deletion of the inaccurate late payment history from my Equifax credit report.OCCU has not fulfilled its responsibility to ensure accurate credit reporting under the Fair Credit Reporting Act (FCRA). I am requesting BBB assistance in having OCCU correct this error immediately so that my credit report reflects only accurate and verifiable information.

  Business Response

  Date: 09/15/2025

   Sept. 15, 2025
  
  Better Business Bureau
  ***************************************************************************************
  
  Re: Complaint ID No. ********, ******* ******
  
  Dear BBB Resolution Specialist,
  
  Thank you for your letter dated Sept. 5, 2025, and bringing this matter to our attention. At OCCU, we strive to provide positive experiences for our members and are sorry to hear that we did not meet those expectations with this member. We do take member feedback seriously and encourage our members to work with us directly to resolve their concerns. In order to protect our members information, OCCU is unable to provide public responses. We are actively working to resolve the members concerns and will respond directly to them as needed.
  

  Sincerely,
  
  ******** *******
  VP of Regulatory Compliance

• Initial Complaint

  Date:07/24/2025

  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 formally holding **** accountable for their gross negligence & unacceptable handling of my auto loan payoff. I have full documentation and receipts to support this claim. I paid off my auto loan with **** by issuing a $19,000 cashiers check from my personal checking account. Out of an abundance of caution, I chose a cashiers check over a wire transfer to ensure accuracy and documentation. I overnighted the check to **** and immediately followed up with a phone call to confirm the proper address for my vehicle title to be sent to. During that call, an **** employee inexplicably suggested the title would be sent to Gesa Credit Union simply because the cashiers check came from my account there. I made it absolutely clear that this was incorrect and unacceptable. Gesa had nothing to do with the loan or the title. The **** representative acknowledged their mistake, apologized, and stated they would correct the information in their system. Despite this clear correction, weeks later, I contacted **** again only to learn that shockingly. they still sent the title to ****, completely disregarding my instructions and the correction noted in their own records. This was not a minor oversight this was a $19,000 financial transaction that **** recklessly mishandled. Because of their carelessness, I missed a critical opportunity to sell my vehicle and access urgently needed funds for a family emergency.***** conduct is not only incompetent but completely irresponsible. A financial institution should not be making blind assumptions about where to send legal documentation tied to tens of thousands of dollars. They should be held accountable for this mistake and the serious consequences it has caused me and my family. At the very least, **** should provide restitution for the damages and inconvenience their error created.This level of unprofessionalism is unacceptable, and I urge the Better Business Bureau to investigate this matter fully and ensure **** is held responsible.

  Business Response

  Date: 07/31/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, **********. Please let me know if you have any questions.
  

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:06/24/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have an auto loan with ****. Due to life circumstances, my income went down by 60% a month. I had originally inquired about a voluntary repo. However, I was told we could do a "short sale", where I sell the vehicle and then continue to make payments on the negative equity since I am upside down. Doing this would save me hundreds of dollars a month, save my credit, and avoid **** from losing any money. On June 12th, I spoke with two different people in the credit department, ****** ****** being one of them. He instructed me to send three dealership estimates to his email and that someone would follow up in a few days. Waited a few days - no one followed up. Called again on June 19th. By then, the estimates I had received already expired so had to go through that process again. Worked with ******** on the 19th. She was actually very helpful and kind. Within an hour, I sent her updated estimates. She followed up with me around 3:40 pm, letting me know that the short sale was approved and that a loan counselor/advisor would reach out to me soon. It's now Tuesday, the 24th. I called AGAIN because no one had reached out. Spoke to ****. He asked me if I sent estimates. Yes, TWICE NOW. He then said that the loan counselors/advisors are backed up and someone should be able to look at it this afternoon or tomorrow and see if it gets approved. What do you mean, see if it gets approved? He has no notes that indicates the information ******** told me, that the short sale was approved. So, after 12 days, I am back to exactly where I started. I have no idea what to do and how to actually get help.

  Business Response

  Date: 06/30/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, ********. Please let me know if you have any questions.
  

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:06/17/2025

  Type:Order 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.

  Paid off my car loan through their archaic app, and all funds settled. My loan was removed from my credit reports as paid in full, all monies accepted by my bank transfer. **** claims there's a hold on the title but won't explain why or release it despite being paid off over 2 months ago. Shady business and will advise everyone I know to stay away.

  Business Response

  Date: 06/20/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, *****. Please let me know if you have any questions.

  Thank you,

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

  Customer Answer

  Date: 06/21/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ******* *****

• Initial Complaint

  Date:05/13/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently did a heloc on my home to pay off credit card debt and it was the worst loan service I have experience the lady ******** who started to work with me on this kept taking her time and I kept telling her "time is of the essence" because I was paying off a whole lot of credit card debt that was close to going in to collections and after many shortcomings I finally got her manager ******* ****** involved and it went somewhat better and when we got preapproval it was for $61000 and I was concerned about payments and ******** said the interest only payment on this was in the $300ish range, much lower than 400 and so I agreed to sign and when I went in to the Royal Ave Branch to sign I brought this up in signing and the lady said it was in the 300 ish that ******* had said and never was there any part in signing that she said here is your payment initial here and to my disbelief the payment is $523.19 and I have called them repeatedly for two weeks and could not get anyone until today call me back and I was ****** and told her what was going on and it was immediately like this hostile argument where she was telling me that I signed this and I know I did not and I reported them to the division of finance for they have never been this bad however that last few years their phone support ***** and this is outrageous and a bait and switch of payments. like this is unheard of in credit union lending! I do not have enough income to make 500 dollar payments and they should know this, but for whatever reason this is not the same occu that I have done business with and if this stands I will have no choice but to go bankrupt because I do not have an income to support another $500 payment. I am very disappointed in their turn from good to bad business.

  Business Response

  Date: 05/15/2025

  Hello,

  Please find attached OCCU's follow up response to Complaint ID No. ********, ********. Please note that the consumer has submitted a complaint to our regulatory agency, therefore, we will no longer be responding via the BBB channel. Please let me know if you have any questions.

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

  Customer Answer

  Date: 05/22/2025

   
  Complaint: 23327014
  
  I am rejecting this response because:
  They are not accepting responsibility about misleading me to trick me into signing a loan with almost twice as much higher payment.
  Sincerely,
  
  ******* ********

  Business Response

  Date: 06/04/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, ********. Please let me know if you have any questions.

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:03/31/2025

  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 it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. ********************************************* CU - ************ - $0 OREGON COMMUNITY CU - ************ - $0 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

  Business Response

  Date: 04/10/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, *******. Please let me know if you have any questions.
  

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:03/13/2025

  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 rent a post office box so that my mail will not be delivered to my home address. My home mailbox is in a row of them on a well traveled street in a town where mail theft is frequent. I was not happy to find my tax statement in my street mailbox instead of my post office box. I was assured that the problem was being ********** forward. In the past five days I have received another four pieces of mail from **** in the street mailbox. Two are the same notice, along with the full account number. The notices are information change verifications. They say I recently updated my mailing address. It lists the same post office box address I have listed there since 2006, not exactly recent. The other two pieces are both the same February statement, which is lacking most of my accounts. It only lists two Cds. It doesnt show my checking, savings, money market, ignite savings, regular savings, and three CD accounts.This is incompetent and inexcusable.

  Business Response

  Date: 03/21/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, Ogsbury. Please let me know if you have any questions.
  

  Thank you,
  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

• Initial Complaint

  Date:03/11/2025

  Type:Product 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.

  Hello,I did a purchase through Afterpay and ended up returning the items and received a refund for my purchase. Afterpay refunded my payment back to my card ending in 1109 tied to my checking account. I received confirmation on 2/19/25 from After they were to refund me and can take up to 10 business days to appear on my bank account. I contacted them again because it didn't appear on my account. Received confirmation they refunded it back to my card and they provided my acquirer reference numbers. They believe they're sitting in an unallocated funds account with **** and need them to transfer to my account. I reached out via email and phone call and kept telling to go back to the seller which I did multiple times. I'm looking for the $196.00 to be deposited to my account.

  Business Response

  Date: 03/28/2025

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, ******-*******. Please let me know if you have any questions.

  Thank you,
  

  ******** *******
  Oregon Community Credit Union
  VP of Regulatory Compliance

  Customer Answer

  Date: 03/31/2025

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ****** ******-*******