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:09/29/2024
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.
Oregon Community Credit Union's Outdated Security Measures Repeatedly Impede Account Access I am writing to express my frustration with Oregon Community Credit Union's outdated security protocols that consistently create barriers to accessing my funds and managing my account.Recently, the online banking system was unavailable for four days, leaving customers with no way to check balances or transactions. Additionally, the requirement to call and speak with a representative to add a card to mobile banking is antiquated and inconvenient. I have never encountered this practice at any other financial institution. Even after following their procedures, my attempts to add my card were repeatedly denied without explanation.This latest incident is merely the latest in a string of illogical and frustrating experiences. Security in banking is essential, but ****'s approach is overly restrictive and hinders basic functionality. It is unacceptable that I am regularly prevented from using my own cards and money due to these archaic practices.I will be switching to a bank that prioritizes both security and customer experience. In today's world, technology should empower account access, not create unnecessary hurdles. I hope **** will take steps to modernize its systems and processes to provide the level of service its customers deserve.
Business Response
Date: 10/01/2024
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:06/14/2024
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.
***************************, a member of OCCU purchased a training seat with my company, Defensive Firearms Instruction. I have a VERY CLEAR no refund policy. *************************** failed to show for the training he ourchased for $250. He then filed with OCCU to challlenge the oayment of $250 that was paid for services rendered. His registration and receipt clearly state that there are no-refunds.Youve received the following order from ***************************:[Order #*****] (May 7, 2024)ProductQuantityPrice Oregon DPSST Unarmed Security Certification near ******************** Booking #***** Paid May 11, 2024, 9:00 am 1 Persons 1$250.00 You have been enrolled in the Oregon DPSST Unarmed Security Certification Course LOCATION:Defensive Firearms Instruction Headquarters *************************************** What To Bring:-Valid form of government issued Photo ID -Notepad -Pen -Lunch, snacks, and drinks Live firearms and ammunition are not permitted during the course.Required Gear (For optional Handcuff Course):- Handcuffs*- Handcuff pouch*- Handcuff key*- Duty belt for the handcuffs/pouch - Comfortable clothing - Shoes with good lateral support *You can purchase these items directly from the official ASP website before attending the course.*Rental gear is available with advance notice for an additional $15.Students are required to show up on time. If for whatever reason you are going to be late, contact us directly at ************ as soon as possible.All classes are non-refundable, if you have a scheduling conflict we can move you to the next available course upon request.Subtotal:$250.00 Payment method:Pay with Debit or Credit Card Total:$250.00 Order Notes There are no notes for this order yet.Billing address *************************** ************************************************************ ********** ************************ OCCU sided with their customer who failed to owner his ourchase cointract with ut. I want my $250 back!!!!
Business Response
Date: 07/08/2024
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:05/06/2024
Type:Billing 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.
I just paid off the remainder of a car loan and there has never been a missed payment. OCCU reported the payoff to the credit bureau and also added a 120 day delinquent notice. My credit went from 840 to 620 overnight. My personal bank sent me an email that my cred has faulted significantly due to a delinquent charge. I called OCCU and the first rep. told me there is no delinquency on my account and it must be the credit bureau's fault. They said I need to deal with it and file a dispute. I called back and asked for a manager. I had to press them but eventually I was told that they have a software glitch that created this issue for loans paid off in April. All they can do is send me a letter that it was an error and it will take 30 days for them to update the credit bureaus. The problem is I now lost over 200 points on my credit score and I have a mortgage application to file in a week. There is no excuse for this and I should not have to file disputes for their errors.
Business Response
Date: 05/10/2024
Hello,
Please find attached OCCU's response to Complaint ID No. ********, Zima. Please let me know if you have any questions.
Thank you,
*******************************
Oregon Community Credit Union
VP of Regulatory Compliance
Customer Answer
Date: 05/10/2024

Complaint: 21673060

I am rejecting this response because:
The long term effect from this false delinquent payment reporting will not be known immediately. I was told OCCU will update my credit report in 30 days, but this does not prove that the 3 credit agencies will completely remove this from my history. I would like OCCU to have all 3 credit agencies send me a letter as to how this was handled. This letter should acknowledge that this was a reporting error and that this delinquency will not show up on any credit searches going forward. Additionally, they should show that my credit score was restored to what it was in mid April of 2024.

Sincerely,

*******************
Business Response
Date: 06/11/2024
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: 06/12/2024

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:04/22/2024
Type:Order 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.
Auto loan for 74 months original amount was ********. I have been paying on this for 10 years now with the balance over ********0 now. About 4 months ago I'm offered a settlement due to no longer being able to work or do not have an income and they fact that I have paid the original amount of the loan and over ***** in fees and interest. They acknowledged the receipt of the offer but didn't respond with acceptance or denial. I explained they needed to come get it then as I have been paying for 10 years and it should have been paid off long ago. They waited several months before coming to get it and a month before they came to get it they added over $1300.00 to the total loan for auto insurance coverage. This is the definition of a predatory lender. I want them to adjust it to paid in full and my credit report to show as such.
Business Response
Date: 05/01/2024
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: 07/06/2024
I wanted to update you on the case number #******** in regards to predatory lending and questionable practices of Oregon Community Credit Union.

Yes, ***** from OCCU did finally reach out to me and her response was..." I am sorry, we are going to cancel the loan and return your vehicle, but we had it deemed totalled. Years ago, we discontinued the policy that created the issue you are going through now and your account went unnoticed until you filed a complaint. I will get back to you next week"

I let her know that I would like a print out of the total amount paid towards the loan including the extra 4 years worth of payments and the insurance payout that they received by having it deemed totalled. I have not yet received another response and the vehicle has not been returned, however credit report does show that the credit Union closed the loan.

I have paid an extra $8,640 on the life of this loan and now the title shows totalled. I want the extra payments and the value of the vehicle (KBB $1447) refunded to me with the payout from the insurance. ************* that they put on the vehicle and added the premiums to our loan amount. They added the insurance because a month after I asked them to come get it I canceled the insurance on it. Because I told them to come get the vehicle after they did not respond to our settlement offer. Then a month after I canceled the insurance, they added their own but as I said they added the premiums to our loan amount.

I believe every step of this that the bank has made has been very calculated and intentional. It is now July 6th 2024 and their original response back was first week in May . I have been very patient in the matter. I would like this resolved without having to pay the retainer towards the attorney that I have consulted.

Thank you for your assistance,

****************************;

Additionally,
The gentleman whom came to tow it away questioned me in regards to all the parts like suspension and others on the vehicle as he wanted to use the parts from mine fir another. I believe that they might not be able to return this vehicle as it may have already been parted out.
Business Response
Date: 07/16/2024
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: 07/17/2024

Complaint: 21607138

I am rejecting this response because, I have not retained legal representation. If I had I would not be reaching out to BBB or CFPB to help with mediation on a resolution. I have however, emailed *******************, director of indirect lending, at OCCU

Sincerely,

*******************************
Initial Complaint
Date:04/09/2024
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.
Phone operator directed me to use online payment which used two months of payments and applied to principal resulting in nonpayment for the following month even though I was paying it early. This caused a whole year of 30 day late payments.
Business Response
Date: 04/25/2024
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: 04/25/2024

Complaint: 21549358

I am rejecting this response because:
No attempt to resolve the issue has been made by OCCU. No phone call has been made, no voicemail has been left and no email has been sent. The statement that OCCU has been in communication directly with me is false.

Sincerely,

*****************************
Business Response
Date: 05/07/2024
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:03/27/2024
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.
They raised my monthly car/truck payment, claiming I didnt have insurance. Ive provided them with proof of insurance and full coverage the entire time Ive owned the vehicle and financed through their business and yet they will not refund my money or put my payment back to its original amount Been over a year !I have emailed them Proof of coverage on more than one occasion Multiple phone calls and conversations !
Business Response
Date: 04/08/2024
Hello,
Please find attached OCCU's response to Complaint ID No. ********, Rose. Please let me know if you have any questions.
Thanks,
*******************************
Oregon Community Credit Union
VP of Regulatory Compliance
Customer Answer
Date: 04/11/2024

Complaint: 21497267

I am rejecting this response because:
ive been in contact with this company, and my insurance company has been in contact with this company close to a dozen times with no resolution and practically no effort,This is just a another brush off.This has been going on for over a year ! They recently sent me another letter saying I was uninsured and theres been no change at all in my insurance coverage !!

Sincerely,

*******************
Business Response
Date: 04/24/2024
Hello,
Please find attached OCCU's response to the rebuttal.
Thank you,
*******************************
Oregon Community Credit Union
VP of Regulatory Compliance
Initial Complaint
Date:03/25/2024
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.
I paid the amount regularly due on my auto loan. The payment was returned. I made the payment in full before 30 days had passed. I have since paid the account as promised as well. They are currently reporting my account as ***** and 90 days passed due. When I call them they are rude and refuse to explain why my account is being reported this way and claim they are not allowed by law to correct it.They also charged me over $2,000 for a few months of insurance when the vehicle was non-running and covered under my homeowners policy while parked. They claim that wasn't good enough coverage even though the vehicle was not being driven. I have asked for a copy of the policy I am being charged such an outrageous price for and they have refused to provide it stating no such document exists. When I push and insist there must some documentation to support what they are charging me they again get very rude.I have made multiple phone calls over the last few months with no results.
Business Response
Date: 04/05/2024
Hello,
Please find attached OCCU's response to Compliant ID No. ********, *******. Please let me know if you have any questions.
Thanks,
*******************************
Oregon Community Credit Union
VP of Regulatory Compliance
Initial Complaint
Date:02/28/2024
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.
Oregon community credit union
Business Response
Date: 03/08/2024
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:11/22/2023
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 purchased a new car in the beginning of this year from Arottas Auto **** a ********** Mirage G4 and have been paying on it since February. I had a good score on my credit card before I did this. I will admit, a few months I was maybe 2 or 3 days late on payments but I have always paid. After trading in my original car for the one I have now, I was offered this new loan from OCCU. I went through 3 months of nothing wrong with my credit score. Suddenly I had my payments coming back to me from OCCU while banking with STCU here in ******* **. The problems started with phone calls coming from OCCU stating that my car payments were not coming in. Im not knowing who to blame but my score went down drastically. This month, OCCU called me and told me that my bill was not paid this month. I told them that I paid online through their website. The person on the phone checked and then said that I paid only ****** out of the ****** that I owed them. I actually paid ****** through their website. My credit score went down dramatically due to them telling the credit bureau that I did not pay. The payment was on the 20th and I paid them. I would like to report this OCCU company for falsely reporting a non payment not once but at least 4 times. My credit score is supposed to be up close to 700! I am a 59 year old female with 4 jobs and no reason to not pay my bills on time, the car is my money maker so I NEED it. *** had no problem with ANY other bill that I pay, so why is it so difficult for OCCU and/or STCU to figure this out? The other car that I had before this had no problems with receiving payments from a different company which was bought at the same dealership.
Business Response
Date: 12/28/2023
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:08/07/2023
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 was unemployed and could not afford full coverage insurance for my auto loan. I parked the car. **** told me that they were gonna charge me an extra 100$ a month for collateral insurance but as soon as I got proof of insurance they would remove the extra charge. When I got a job and could afford insurance and provided the info to them they dropped a bombshell on me and said they added ***** dollars onto my loan principal and completely reversed what they told me before. It's not fair they lied to me and made me think that when I got auto insurance my payment would go back to normal. ************** for a year does not cost $***** in any case. I feel like I got scammed. This is classic bank bait and switch. They told me they were buying monthly collateral insurance. They didn't mention any of the $***** and increased monthly payment until after I provided proof to their insurance department. That's something that should be conveyed up front. If I had known the truth I would have done things differently. For instance, they credited me back $1000 of the $5000 they said they spent on the collateral insurance but my Payment didn't go back down any. Before it was around $450. Now it's $555 a month.
Business Response
Date: 08/25/2023
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

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Oregon Community Credit Union is NOT a BBB Accredited Business.