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:07/14/2023

  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 opened a new acct at Occu and I run a cleaning business and usually cash checks at like ******* and places like that because I hate banks, well all was going good til my acct got frozen because the amount of checks I deposited, the checks have cleared but ***** a lady that works there has been treating me horribly and wont release my acct or my funds, I have over $2500 in that acct and need the money that is rightfully mine, ***** kept asking me for more and more things which I presented but still wont release my money, I will gladly withdraw the money that is mine and close the acct, Im tired of being treated like this, Ive done nothing wrong for her to act this way, I just want money and then Ill close the acct and go elsewhere

  Business Response

  Date: 07/28/2023

  Hello,

  Please find attached OCCU's response to Complaint ID No. ********, ******. OCCU will not be responding to the complainant and will follow internal procedures for handling consumers who have/are performing illegal or fraudulent activity. The appropriate authorities have been engaged. Please let me know if you have any questions.
  

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

• Initial Complaint

  Date:07/06/2023

  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.

  On 07/05/23 my car loan was reported 30 days late to credit bureaus. There was fraud on my checking account ending in **** therefore it was fully closed and i was issued a new checking account number. All transactions were stopped from this account due to this reason. Once I was told that the checking account will not process any transactions i made a payment with a debit card of $795. I've had a rough patch and it has not ended, my grandmother was ill in the hospital for more than 2 weeks, she passed away on Sunday night. I'm asking OCCU to please help me out and work with me on getting this reporting cleared as it has affected my credit drastically and I need funding to help with funeral expenses. Please help me

  Business Response

  Date: 07/13/2023

  Hello,
  

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

  Thank you,
  

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

  Customer Answer

  Date: 07/13/2023

   
  Complaint: 20279936
  
  I am rejecting this response because:
  Seems like due to the complaint I made someone from the credit department thought well lets go ahead and report march late too. This is the biggest s**** you Ive seen from OCCU. Depression and anxiety is one thing and having my grandma pass away has led for it to be worse day by day. OCCU could care less. THEY SIMPLY DO NOT CARE 
  Sincerely,
  
  Pawan Jeet

  Business Response

  Date: 08/02/2023

  Hello,
  

  Please find attached OCCU's follow up response to Complaint ID No. ********, Jeet. ***** submitted the same complaint to our regulatory agency, therefore, will be working/responding through that channel. Please let me know if you have any questions.
  

  Thank you,

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

• Initial Complaint

  Date:05/10/2023

  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.

  My bank, Oregon Community Credit Union, cancelled my debit card before I received a new one. They sent new cards before the old ones expired because they signed a contract with a new debit card company. Now Im waiting up to a week for a new card to come in the mail and Im left with no debit card in an area that doesnt have an OCCU branch location. Because of their decision I now have to go without important medication because I order it online with my debit card. They are not providing any assistance with this and seem to have no issue with cancelling functional debit cards that their clients rely on.

  Business Response

  Date: 05/19/2023

  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:04/27/2023

  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.

  This branch is again claiming payments are not being made and adding late fees despite the direct deposit amount they set up clearing the bank each month. They are now adding late fees every month despite the payments clearing the bank. January 2023:Loan payment made on 1/19/23 ($343.98)Late fee applied on 1/28/23 February 2023:Loan payment made on 2/21/23 ($343.98)Late fee applied on 2/28/23 March 2023:Payment made on 3/21/23 ($343.98)Received phone call on 4/27/23 stating loan was more than 40 days past due.This is not the first time this branch has not **************** appropriately. This happened in February of 2021 and again in 2022 when I had to make my first complaint through BBB as I had to make a second payment to prevent additional negative marks on my credit as the previous payment I had made did not get applied to the loan.

  Business Response

  Date: 05/08/2023

  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

  Customer Answer

  Date: 05/09/2023

   
  Complaint: 19991518
  
  I am rejecting this response because they have now stopped withdrawing the automatic payments which has caused the payment to be late again. This has also happened twice before and each time it is difficult to get through to someone to get them set back up. I am unsure why the automated payments keep getting stopped despite the funds being in the bank. There have been so many mistakes on this loan, I think it would be reasonable to have this loan dissolved entirely and the bank take over ownership of the vehicle due to the stress, loss of money and damage to credit caused by the numerous errors made. 
  
  Sincerely,
  
  *********************

  Business Response

  Date: 05/17/2023

  Hello,

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

  Thank you,
  

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

• Initial Complaint

  Date:04/10/2023

  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.

  OCCU has and continues to report incorrect payment history to Experian. OCCU has erroneously reported to Experian that I was 30 days late in March of 2023 on an account beginning with 470183XXXXXXXXXX. The last 4 of my SSN are ****. The fact is the account was charged off in September 2017 and included in a Chapter 13 bankruptcy in July of 2018. How can I have missed a payment in March of 2023 on an account that was charged off in 2017 and included in a 2018 Chapter 13. I have disputed the information several times with ******** and OCCU refuses to correct or remove inaccurate information from my credit report. At this point the account should be totally removed since OCCU can't seem to correct the reporting. This will be my last attempt to remedy the situation before hiring an Oregon Consumer Law Attorney.

  Business Response

  Date: 04/19/2023

  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:02/06/2023

  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.

  On 01/31 I made a payment of $794.91 to OCCU over the phone and made sure I asked the representative will this payment reflect today and it wont report 30 days late to my credit report he assured my 2 times yes it wont. Today I get a notification saying late payment and it was OCCU once again. This company is ruining my credit by false reporting. The payment was already withdrawn on the first which is 1 day for processing. I made the payment before cut off time aswell and it still reported late. Im here trying to fix my credit while OCCU is ruining my credit.

  Business Response

  Date: 02/08/2023

  Hello,

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

  Thank you,
  

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

  Customer Answer

  Date: 02/08/2023

   
  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,
  
  Pawan Jeet

• Initial Complaint

  Date:01/17/2023

  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 took out a loan in September of '22 for $28K and paid it off within a few weeks, and OCCU didn't require any income verification. I recently tried to take out another loan to purchase equipment for our farm, and my credit profile hasn't changed, except for a home sale and a home purchase. I gave them proof of income as it stands with my tax returns, and as a business owner, of course, I'm not going to forego deductions, but I included what annual revenue I made, which is an increase over my last two tax returns. When I asked for more information, the loan assistant said it was because of guidelines, equity, yada, yada. I don't understand how granting a loan with no income verification previously is equitable for other applicants. This experience was a major disappointment.

  Business Response

  Date: 01/24/2023

  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:01/01/2023

  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.

  I wanted to pay a bill through the app. I put in the information to pay my **** bill for $2,000 but when I pressed complete, it was very slow to respond and I finally got an error message. I looked at place where pending bill pay was listed and it showed the previous bill for 100 to ******* as having gone through but nothing listed for the **** bill. I tried 2 more times with the same response. I logged off and back in to the site and tried again. This time I received a successful response. Later that evening, I checked the website and it showed 4 withdrawals for a total of $8,000. The bank had to pull from the overdraft account and my savings account in order to cover these 4 payments. I tried to cancel the bill pay but there was no option to do this so I sent a message. I waited for the next day when I knew the call center was opened and called to explain the situation since I received no response to my message. I explained the situation to a person named ******* and after waiting on hold for 30 minutes he told me I would have to call my **** company to deal with it. He was not helpful at all. I called USAA and they told me they didnt understand why the credit union had not canceled the payments since they had not received anything and they had just been made. I will have to call USAA again in a few days and start the process to reverse the payments which will take about 10 days. Im lucky to have savings which I had to transfer to pay the overdraft account and into my checking account to cover my upcoming mortgage payment. If not, I would be looking at many late fees. I still ended up with a fee on my overdraft account and have so far spent 2 hours of time to solve their mistake.

  Business Response

  Date: 01/04/2023

  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

  Customer Answer

  Date: 01/05/2023

   
  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.  My hope is that this never happens again to another member but if it does, they have a protocol in place to lessen the impact and harm it creates for the member.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:12/22/2022

  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've been a member at OCCU for 2yrs and never had an issue. I was a proud to be a member of a great credit Union. Boy was I completely wrong. This credit union locked my account after they said there was fraud on my account. Upon contacting them on 12/5/22 to get info I was accused of Depositing 2 checks at their shared branch on *********** in ******. When I asked if they could show me their video feed cause I never been to that branch, the lady from the bank stated that the 2 checks were deposited using my ATM card. I told the lady I don't have an ATM Or Debit Card, she then stated now they they were deposited through the mobile banking app and then asked me if I gave anyone my account number and Routing Number. I stated of course have. Yo apply for loans outside the State or to set up Bill pay, etc it's required to include my account and routing number so that bills can be deducted automatically or loans can be wired into your account. The lady then I was wrong that approved loans the lenders send out checks to customer to cash. Then stated because I gave my account and routing numbers out and admitted doing so that I'm liable for these checks that were deposited into my account on the date of 11/29/22 and a hold was put on them until Monday 12/01/22 when my credit union cleared the hold and automatically withdrew money make a payment towards my loan with them. I didn't even know their were checks deposited in my account until 12/5/22. My account stated locked. I received a letter on 12/8/22 that had copies of the 2 checks and a letter dated on 12/1/22 that the checks were returned and the funds were reversed . I went to the branch the next day to make a withdraw out of my savings. After the teller told me my balance and I asked to withdraw some money, she stated that she had to talk to a manager. The manager came up to me and tells me to wait in the lobby while they make a phone call.l. I wait 5 or so minutes and the manager comes up to me tells me there isn't any money in any of my accounts and stated " They took it". I asked took my money and said you or they cannot take my money cause it's Illegal. He tells me to wait a minute. A few minutes later comes up to me again and says it is out of my hands, hands me a cease and desist letter, says he cannot talk to me anymore, the investigation is over and decided and I need to leave the bank. It's now 3 days before Xmas, 12/22/22, my account is still locked, my money not returned to me, and today I get a letter in the mail from OCCU saying a recent request by me on a charge on 10/28/22 that was already resolved and closed in my favor on or around 11/10/22. The letter states they have determined that no error occured or that an error occured in a different amount that was described by me and as of 12/23/22 the provisional credit was reversed and my account is has a negative balance. The amount I described is another lie cause I'm when you file a dispute the amount is looked at on your banking history. So now I'm apparently filing disputes on closed disputes that are taken over the phone based on actual amount charges gone over with fraud department looking at my bank statement to verify actual charges, but I disputed more than the charge shown on the Statement. So to conclude my credit union has stolen everything I had in my savings account, stole my money from a personal loan that I am now behind on my payments with which has effects on my credit score to now I owe them money, overall forcing me to accept there wrong doing not only illegally, but right before Christmas, as well as the steep increase on food and gas prices due to inflation with no regards to the financial Hardship burdon they have forced me to live through including my electricity being turned off and it being ********************************************* effect. So yes l would I recommend this Credit Union be permanently shut down by the national government as well be forced to pay out punitive damages to myself and who knows how many others.

  Business Response

  Date: 01/04/2023

  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

  Customer Answer

  Date: 01/05/2023

   
  Complaint: 18631087
  
  I am rejecting this response because:
  

  They have been telling me the same thing since December 9,2022. They stole my money out of my savings account after accusing me of Depositing bad checks 1st through walking into a shared branch which when I asked to make an appointment to show me the camera footage . 2nd. ****** changed her story from walking into a shared branch to I deposited these checks through the **** When I responded that I don't have an ATM or Debit card she changed her story again to 3rd. Saying that I deposited through mobile banking in which there is no record of the transactions on my mobile banking account. She then stated that because I gave my account number and Routing number that proves that I was lying. When I asked her how I was lying, she stated that because I gave that info out , I'm responsible. When I argued that she was  incorrect because to access my mobile banking you need to have my password and username. She wouldn't accept what I was saying and to this day has kept over $940.00 from my savings account that wasn't even the same account that the fraud they claim I did. They just plainly stole everything out of my savings account and kept my account locked and now are sending me letters from disputes from 5mibths ago that were finalized saying that with my recent inquiry as if I recently submitted a claim which they know I haven't, their reopening claims from the past that were cleared and now saying that their are errors  and more money will be debited from my account. I've been with them for over 2years with no problems and then this c*** all of the sudden putting me behind on rent, electricity being shut off for nonpayment, etc. They just do not care. 
  Sincerely,
  
  *************************

  Business Response

  Date: 01/25/2023

  Hello,
  

  Please find attached OCCU's second response to Complaint ID No. ********, *************************. ****** has submitted a complaint to our regulatory agency, where we have responded through that channel. Please let me know if you have any questions.
  

  Thank you,

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