Business Profile

Credit Union

Oregon Community Credit Union

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Complaints

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

Customer Complaints Summary

40 total complaints in the last 3 years.
18 complaints closed in the last 12 months.

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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:02/25/2025
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 got a car loan through **** after paying got almost a year my insurance got to high and I seeked out a cheaper option. In doing so I was charged with their insurance and every dollar I paid on the car went back on the bill and was higher then I even got the car for. I did a voluntary repo which was the most horrific experience ever. Months later Im still being harassed and threatened with having to pay insurance on a car I no longer possess.
Business Response
Date: 03/11/2025
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:02/14/2025
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.
**** first said my October 2023 payment was late. I then disputed it in 2024 and they agreed but then said the November 2023 payment was late. I have since disputed it with no response. I've also called and messaged them. I provided a spreadsheet showing payments and their due dates and was never 30 days late. I messaged it to them and their staff member agreed but said the credit department was the only one that could remove it and I've been unable to reach them. I then went back online a couple of months later and other messages are there but the one where the staff member agreed is no longer there (older communications are though). Their website is awful for payments and doesn't allow any choice on how they are applied. I've paid a lot more than was owed and on time but because I've done multiple payments online for a single months amount due, they aren't applying it correctly. See the color coding on my spreadsheet.
Business Response
Date: 02/27/2025
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
Initial Complaint
Date:01/15/2025
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.
In March of 2023 I agreed to buy a vehicle BECAUSE the interest rate was 10%. That was THEE only reason. Within a few weeks I was sent a letter that this would be increased to 11%. Nothing I could do about this. I have had my Credit Card information stolen, when I my insurance lapsed for a SINGLE day, without explanation this bank increased my loan amount by 6 thousand dollars. I made a transaction over the phone. Paid a fee for it that was reversed in May 2024, no call or reason. Then messed up my budgeting making me a month behind. Which I have not been able to recover from. Now they increased my bill by $80 without warning. For what?
Business Response
Date: 01/24/2025
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: 01/28/2025

Complaint: 22816906

I am rejecting this response because: I received one phone call while I was at work, to which I returned and left a voicemail to call me back. No response. This was a week ago.

Sincerely,

******* ******
Business Response
Date: 02/03/2025
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
Regulatory Compliance
Initial Complaint
Date:12/27/2024
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 paid off a vehicle loan in total on October 29, 2024. I received a letter from **** dated November 5, 2024; this letter acknowledged my loan being paid off. This loan is still being reported on my credit report and its negatively impacting my overall credit score. I tried calling **** on 12/12/24 to ask why this loan hadnt been reported as paid off on my credit report and the teller stated they would bump my request to the top of their list - still no changes as of today. On 12/18/24, I filed a dispute through ******** to try and get this situation resolved. On 12/22/24, Experian emailed me back to state this was still being worked on for resolution. It shouldnt take this long to have the loan reported as paid off on my credit report. Its very frustrating!
Business Response
Date: 12/31/2024
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:12/22/2024
Type:Billing Issues
Status:
UnresolvedMore 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.
Since I opened this account I have been asking Oregon community credit union to review the transactions and I've been asking them on more details on transactions I don't recognize.... They have not only ignored my request and complains but know my account is at negative 8k and they won't let me touch my money and they literally ignore all my requests .they tell me my account is frozen and nothing can come in or out but send me statements of my balance changing everyday . They said I owe them like 10 loans when I only took out 5 and they kept my check of 10k that my policy holder from my insurance endorsed to me becuase I paid her to keep my cars in her insurance policy ... They refuse to help me and they are now accusing me of transactions I have been complaining about and give me no hhelp and I owe 58$ on a loan so they took 3 k from my account and I have 1000 on another account why can't they just automatically pay it with my balance on my checking account this is not ok .all my refunds and insurance check they took and are putting me in a horrible situation. I need my cash and my rights back if they would have listen to me and checked the unauthorized transactions to cash app and all the other ones this wouldnt have happened plus my loan to my ******** is with them so they also took my car and my payment they keep increasing after I already paid it down they keep sending me different loan balances on every statement wtf
Business Response
Date: 01/07/2025
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
Customer Answer
Date: 01/09/2025

Complaint: 22720152

I am rejecting this response because:

Sincerely,

*** Becerril
I need you guys to return me my money that you took becuase you thought the check was fake . You made my account close and put me through h*** kept my 3k and made my account -8000
Business Response
Date: 01/23/2025
Hello,
Please find attached OCCU's response to the rebuttal for 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: 01/24/2025

Complaint: 22720152

I am rejecting this response because:

Sincerely,

*** ********
Initial Complaint
Date:11/19/2024
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.
Live always had my account in autopay with ****. In December I apparently missed a payment and I never got a notice or a *** saying I missed a payment. In March I decided to ***l my bank and my bank told me they never charged my account. They started going months without attempting to charge my account so Ive been showing late.And of course I cant afford to make two payments out of nowhere but today is Nov 19 and these people have not charged me after I agreed with them in September I would pay on the 1st and the 15th. But it turns out I have to ***l to make a payment. So I have to go out of my time during work to make a ***l and these people know Im in the military so its not easy for me to leave the Building I work in to ***l and make a payment. On top of all of this when I was deployed for a year they expected me to have the car fully insured. These people have restricted me from trying to pay this loan and all they have done is mess my credit up
Business Response
Date: 11/27/2024
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:11/18/2024
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.
My wife sent me a Zelle payment from her bank which is OnPoint Community Credit Union on 11/1/2024 for $600.00. I have Zelle set up with my phone number ************ and tied to my Debit Card with Oregon Community Credit Union. I've received and send Zelle payments using the Zelle app and show them as deposits or withdrawals on my Oregon Community Credit Union. I talked to Zelle on 11/6/24 and they show payment is successful and to contact my bank. I've included an email from them. I called my bank on 11/6/24 and they told me that payment was cancelled but ***** states it went through. My wife also checked with her bank and payment was sent. It's been 17 days and money is not in my account even though I've received Zelle payments since then. I'm seeking the $600.00.
Business Response
Date: 11/22/2024
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:11/05/2024
Type:Service or Repair 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.
*** went through an upgrade in Sept and since then there have been several issues. Part of the terms of my checking account is that I will receive *** fees back as a refund at the end of the month. These post on the 1st of the month. Last month, they did not. I reached out to a representative and was told that they would be on 10/4 instead and hopefully the issue would be fixed for this month. However, it is Nov 5th now and the fees haven't been refunded back for October. These are the fees I should have received:-10/24: 2.99 -10/20: 1.00 -10/19: 4.50 -10/12: 2.99 -10/25: 1.00 It looks like on my statement that many of these fees are being posted as charges with no mention of the *** fees, which feels fradulent, since it would be hard to prove they are including *** fees. I'm happy to provide whatever proof I can. I emailed *** on the 1st and have received no response since from ***. Attaching email thread.
Business Response
Date: 11/12/2024
Hello,
Please find attached OCCU's response to Complaint ID No. *******, Kartali. Please let me know if you have any questions.
Thank you,
******** *******
Oregon Community Credit Union
VP of Regulatory Compliance
Customer Answer
Date: 11/12/2024

Better Business Bureau:

This response didn't say anything except that they would contact me directly. They responded to an email that I had sent via my online account and OCC refunded the *** fees almost a week late. I will accept this for now, but plan to file another complaint if this error continues next month.

Sincerely,

****** *******
Initial Complaint
Date:11/03/2024
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 August 28, 2024, I found that my Oregon Community Credit Union (OCCU) checking account, ending in 4629, was compromised by unauthorized withdrawals totaling around $10,000, originating from ****** and *******. Despite the unusual nature of these 18 consecutive transactions, ****'s fraud detection system did not intervene, leaving my account with a balance under $250.I contacted ***** **************** and was advised to close my compromised accounts and open new ones, with assurances that all outstanding payments would be managed and my Social Security deposit would transfer smoothly. However, **** failed to uphold these commitments.On September 25, I discovered that my Social Security deposit had not been credited to the new account. After visiting ******************* on September 26, I was redirected repeatedly with no resolution, despite confirmation from the ****************************** (***) that the deposit had been processed by ****. Nearly a month of back-and-forth with SSA and OCCU later, it was found on October 18 that the deposit had been mistakenly credited to a different ********** the meantime, I received a notice from CIGNA about a possible cancellation of my hospital indemnity policies due to missed premium payments, which should have debited from my new account. Although I was able to reinstate the policies, the risk of losing essential coverage due to OCCUs mishandling of my account setup was ************* 83, this ordeal has caused immense stress, requiring substantial time and effort to correct OCCUs errors. Elderly clients like myself expect support from their financial institutions, especially when facing such challenges. I invested numerous hours, multiple SSA visits, and extended phone calls, ultimately resolving these issues independently.
Business Response
Date: 11/04/2024
Hello,
Please find attached OCCU's response to Complaint ID. ********, ******. Please let me know if you have any questions.
Thank you,
******** *******
Oregon Community Credit Union
VP of Regulatory Compliance
Initial Complaint
Date:10/08/2024
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.
Made a request to close account and send remaining funds .
Business Response
Date: 10/11/2024
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: 10/11/2024

Complaint: 22398589

I am rejecting this response because:has Not closed my account. Please close and forward my funds to my address

Sincerely,

***** *****
Business Response
Date: 10/23/2024
Per members additional filing.
Customer Answer
Date: 10/23/2024

Complaint: 22398589

I am rejecting this response because:occu refuse to close my account and return funds

Sincerely,

***** *****
Business Response
Date: 10/31/2024
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: 11/19/2024
Its over and Im relieved!!! Thank you for your help!!!! Best regards ***** Baird

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Oregon Community Credit Union is NOT a BBB Accredited Business.