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Business Profile

Credit Union

Members 1st Federal Credit Union

This business is NOT BBB Accredited.

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Complaints

Customer Complaints Summary

  • 42 total complaints in the last 3 years.
  • 9 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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Complaint status

Complaint type

  • Initial Complaint

    Date:07/26/2025

    Type:Billing Issues
    Status:
    Answered
    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 account had ******* stolen from me by someone using online gambling. The day before I bought a tv at *******. They shut down my card for a legitimate purchase. I could not get it medications. Im 70 years old and on social security. The next day they allowed online gambling to be taken from my account but they did not flag that.**** in the third world country who determines fraud treated me like a dog. I went in to branch and spoke to **** and hes just as disqusting and he even grabbed me and hugged me in his office.The entire bank is repulsive. At this point no one calls back when you wish to file a complaint. Almost two weeks later and I still can't get my medications and they refuse to return my ******* dollars. I believe the bank actually stole it from me

    Business Response

    Date: 08/05/2025

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve this matter. Please know that a reply was sent through regular mail to this individual on 8/5/2025.

    Customer Answer

    Date: 08/15/2025

    Every single card i use gets hacked.  I've had 5 replacements.  I just bought a car with a new card and that night i got hacked again....  ***** x 5.

     

    The security at this bank is horrific...im in the middle of my daughters death hospice.  I cant keep up with the hacking.  The bank has a third world country handling customer complaints.  I believe this third party is the person hacking my card so this bank has resolved nothing.  This is a new complaint.

    Business Response

    Date: 08/21/2025

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we will be contacting the consumer directly to resolve the matter.

  • Initial Complaint

    Date:06/02/2025

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    WHY IN THE ***** IS IT OK FOR YOU GUYS TO TAKE AN EXTRA $1.50 EVEN AFTER WE PAY 3$s OR MORE FOR AN *** FEE! Now WE ARENT JUST GETTING MONEY OUT WE ARE GETTING ROBBED! I was told every month $1.50 is taken from my account so I get three free *** transactions. I havent gotten one free *** transaction since I got my account. So explain to me where all of my money is going if I havent gotten one free *** transaction I want my money back! You cant tell people you get a free transaction and then not give them the free transaction but still take their money. Its not OK and if I do have to go to court, I will go to court for this like its not OK what you guys are doing you guys are robbing people thats $20 out of my account that I couldve used for something else. I barely ever use the *** to begin with and now youre taking money from me. Thats not OK what youre doing is called robbery.! Also I used the *** 2 times HOW IS IT YOUR SAYING I USED IT ENOUGH TO TAKE $20s from me!

    Business Response

    Date: 06/16/2025

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 06/16/2025. 

  • Initial Complaint

    Date:03/15/2025

    Type:Billing Issues
    Status:
    Answered
    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 requested 1099c (cancellation of debt) for this charge off if the debt have been canceled forgiven or otherwise written off for tax purposes they are legally required to issue a 1099-c under *** regulations the failure to provide this document further raises concern about compliance with federal law ..26 US code 6050p.Since this charge off continues to negatively impact my credit score across all 3 bureaus I demand the creditor either provide the 1099c for cancellation of debt .provide proper documentation including the bill of sales or assignment contract or remove this account from my ********************** report..also creditor must send 1099c form to the debtor by January 31 must also file with the irs by February 28 (if filing by paper) or march 31 if filing electronically I requested proper documentation to see if those procedures was followed. Im requesting proper documentation verifying stating that the account belong to me and the creditor have the right to collect failure to provide these documents will leave to civil suits for damages I also requested a cease and desist until further proof of claims .also the it reporting inaccurately 1681(e)(b)

    Business Response

    Date: 03/27/2025

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 03/27/2025. 

  • Initial Complaint

    Date:02/22/2025

    Type:Billing Issues
    Status:
    Answered
    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 spoke with associates at Member's First on several occasions, but the original incidents occurred in October and November 2022. I have called them back and forth with my last contact being in December 2024. They originally stated after my account was accidentally overdrawn by a credit company and money was going to be returned before the mortgage payment date that the money would automatically withdraw. It did not withdraw, and they turned off autopay without any letter or notifications, leading to a second late payment. They only told me initially that I needed to pay the late amount when I called in November which led to the second late payment and fees. My account has been in good standing for a long time after I re-established automatic payments when I called to have them unlocked, but the changes to my credit still have not happened like they agreed to take off and I now have a few notes on file in my credit that I disagreed with their ruling and no changes were being made after they were the ones who asked me to file the submission and it would be approved. I will never recommend them as a financial institution as it seems they have untrained staff in their offices or phones. All I have asked for my credit to be fixed due to their errors/mismanagement. I have told them during my past few phone calls that if it was not fixed by September/October 2024 with my letter, I would be filing with BBB, and they stated that they were going to work on a resolution.

    Business Response

    Date: 03/13/2025

    Thank you for sharing this correspondence with Members 1st Federal Credit Union.  Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 3/13/2025.

  • Initial Complaint

    Date:02/16/2025

    Type:Product Issues
    Status:
    Answered
    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.
    Im trying to payoff a loan early and they dont tell me my principal balance. They want me to pay the contract balance then refund me the difference,the difference is $1000. I called several times to try to get the correct info

    Business Response

    Date: 02/26/2025

    Thank you for sharing this correspondence with Members 1st Federal Credit Union.  Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 2/26/2025.

  • Initial Complaint

    Date:11/30/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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.
    Acted entirely rude when I inquired why my membership was rejected. Apparently owning a small business "isn't real employment" (their words, not mine) and I "moved too much and it caused my address to mismatch". Absolute nonsense. My main address listed should match, and sure their might be older ones, but to act like "normal people don't move that much" is atrocious. If you are that worried about people applying online, then don't even have that as an option!

    Business Response

    Date: 12/16/2024

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that we've discussed the complaint through mailed correspondence. 

  • Initial Complaint

    Date:10/15/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 4/30/24 I applied for a motorcycle Loan **** ** motors, I got approved by Members 1st credit union, the day of the transaction I was told all I needed was my ID and a copy of my insurance, I supplied both and, loan went through, 3 weeks later after Members 1st approved me for the loan and receiving the product, the credit union informed me they need a copy of declaration from my insurance, so I supplied them with the declaration I received from my insurance company for the product I purchased from them, and after they received the declaration of insurance from me, they said it wasn't good enough, and they will apply there own insurance I never agreed to, adding additional $1588 to the loan I refuse to pay because I haven't signed no paperwork or agreement for these additional charges, so therefore it is illegal for the credit union to add additional charges to a loan with out consistent of the bowwer , I have my own insurance I pay for the motorcycle and supplied Members 1st with the declaration, I can't afford to pay the additional amount they illegally add to my account with out my consent so the contract I have with Members 1st should be voided

    Business Response

    Date: 10/30/2024

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual.

  • Initial Complaint

    Date:10/09/2024

    Type:Service or Repair Issues
    Status:
    Answered
    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 respectfully present my complaints against Members 1st FCU to the Better Business Bureau due to their unresponsiveness and handling of several issues. Firstly, an unauthorized payment of $300.48 was processed by Esurance on August 26, 2024, causing an overdraft in my account. Subsequently, my card was closed, and the unauthorized charge could not be reversed. Despite filing a complaint against ********, the payment has not been accounted for and has negatively impacted me, leading to my insurance being cancelled.Secondly, two returns to ****** on September 23, 2024, amounting to $204.42 and $162.04, were not processed because of issues with my compromised card. ****** directed me to my bank, leaving these funds inaccessible to me.Lastly, rather than assisting in resolving these issues, I have endured persistent calls from Members 1st *** about my account's overdraft status and credit card payment, further escalating my ********* total, my funds of over $1000 are tied up causing financial burden, and preventing me from reinstating my insurance policy and meeting credit card obligations. I urgently request that Members 1st FCU critically review this matter and ***** provisional credit, as well as offering a swift resolution to restore normalcy and alleviate the emotional strain.The only way to initiate contact with me is via email at ***************************** Too much stress and anxiety caused by all the phone calls I'm receiving and not being able to do anything about it. Haven't answered the phone in over a week. Full complaint attached.

    Business Response

    Date: 10/24/2024

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 10/24/2024.

  • Initial Complaint

    Date:09/24/2024

    Type:Customer Service Issues
    Status:
    Resolved
    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 complaint is in regards to your TERRIBLE CUSTOMER SERVICE AND THE SUPERVISORS! I got denied a charge in which I was trying to purchase a DVD set on ************ and I tried chatting with someone, PERSON DID NOT RESOLVE THE PROBLEM! Then I called and got NO WHERE because they expect me to know a passphrase, a word or words that I DO NOT KNOW!!!! IT WAS YEARS AGO!!!!!!!!!! I MOVED A MONTH AGO AND DO NOT LIVE CLOSE TO A BRANCH!!!!! I AM NOT DRIVING OVER AN HOUR AWAY TO A BRANCH TO ASK WHAT THE PASSPHRASE IS! THEY ARE OUT OF THEIR MINDS!!!! Unless they want to have someone come pick me up and drive me to a location! THEY ARE USELESS AND WILL NOT FIX THE PROBLEM! i WANT TO KNOW WHY I CANT GET VERIFICATION IF MY ZIP CODE MATCHES WHAT'S ON MY CREDIT CARD????? AND WHY MY PURCHASE WAS DENIED!??!?!?!?! I AM BEYOND FURIOUS WITH THIS BANK! ******** has better customer service and does not treat me this way! Asking for pass phrases or they can't access my account! BEYOND ANGRY!!!

    Business Response

    Date: 10/01/2024

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve this matter. Please know that we discussed the complaint with this individual over the phone on 9/26/2024.

    Customer Answer

    Date: 10/01/2024

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]

    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. 

    Regards,

    **** *********

  • Initial Complaint

    Date:08/09/2024

    Type:Billing Issues
    Status:
    Answered
    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.
    Subject: Unauthorized Credit Inquiry on My Credit Report Dear MEMBERS 1ST,I recently reviewed my credit report and discovered an unauthorized inquiry from MEMBERS 1ST dated November 6, 2022, reported by TransUnion. I did not apply for credit or authorize this inquiry.Please investigate this matter and remove the unauthorized inquiry from my credit report immediately. Attached is a copy of my credit report showing the inquiry in question.I also request that you provide confirmation of the removal and take steps to ensure that this does not occur again.Thank you for your prompt attention to this matter.

    Business Response

    Date: 08/29/2024

    Thank you for sharing this correspondence with Members 1st Federal Credit Union. Due to confidentiality, we have contacted the consumer directly to resolve the matter. Please know that a reply was sent through regular mail to this individual on 8/29/2024.

Members 1st Federal Credit Union is NOT a BBB Accredited Business.

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