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Business Profile

Credit Union

Rally Credit Union

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Rally Credit Union has 11 locations, listed below.

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    Customer Complaints Summary

    • 15 total complaints in the last 3 years.
    • 8 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:07/12/2025

      Type:Order 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.
      I am not liable for this debt with charter communications, I do not have a contract with RALLY CREDIT UNION they did not provide me with, the original contract as i requested

      Business Response

      Date: 07/14/2025

      Mr. ******,

      I have forwarded your complaint to the Rally team for response.  Someone from Rally will contact you via the contact phone number on your account.

      Thank you.

      ****** *****, CMO

      Customer Answer

      Date: 07/14/2025

      Complaint: 23592483

      I am rejecting this response because:

      Regards,

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

      Business Response

      Date: 07/15/2025

      Mr. ******,

      Your rejection was incomplete.

      Can you please complete and resend?

      ****** *****, CMO

      Customer Answer

      Date: 07/15/2025

      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.

      Regards,

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

    • Initial Complaint

      Date:06/20/2025

      Type:Sales and Advertising 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.
      Unethical business behavior. I I had a total flood loss, that the bank took a long time to give information on. They knew the car was considered a total loss and didnt even bother to stop the interest at the time of loss..They kept charging me interest They kept charging monthly payments, kept charging me like a late fee and werent willing to help or talk to me or even discuss any arrangements, they just kept-charging and charging and when I tried to come to an agreement or get help, everyone was so rude and disrespectful and not willing to even listen, talking over me and werent willing to even listen to what I had to say and play the blaming game to my insurance.. I had never dealt with any Bank that does fraud like this or unethical behavior. It has taken a mental load on me, financial distress and I had never had a late payment with rally. I always paid my loan on time. Never had a late payment in three years. The worst part was how every single person that I have spoken with behaved with me I had called so many times to get the that my gap and my insurance were asking for they never send it. I had to do it myself I had to go to my previous dealership and get the paperwork myself and send it to the insurance and into the gap because ***** never did anything. ***** never return my calls and theynever didnt send me the paperwork that I could requesting. I have proof where I even emailed them to what they were requiring, and then never replied to They never returned my calls, and everyone who I have tried to get help from would not even listen. They were just so rude. I almost lost job because I couldnt even afford a vehicle from everything I had to pay to them when I didnt even have the car. They still charged me yesterday 3 cents more after I made over 4 payments . This is ridiculous unethical and unacceptable fraud on a company who has no morals , they have caused so much stress anxiety and financial distress I have 4 children to support.

      Business Response

      Date: 06/23/2025

      Dear ******* ******,

      I have received your complaint and forwarded to the Rally team who can assist you.  They will reach out to you via the contact information that we have on file for your account.

      Thank you.

      ****** *****, CMO

      Customer Answer

      Date: 06/26/2025

      Complaint: 23498791

      I am rejecting this response because:

      Regards,

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

    • Initial Complaint

      Date:06/04/2025

      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.
      After recently reviewing my credit report from your company, I noticed several inaccuracies that need to be addressed. The accounts in question are listed below:Company Name: RALLYCU Account #: ************Balance: $11,117.00 Under the Fair Credit Reporting Act (15 U.S.C. 1681g), I am formally requesting copies of all documents in your records that were used to verify the accuracy of these accounts. Please provide these documents in your response to this letter.I respectfully ask that you do not reply with a generic statement claiming the accounts have been verified. Instead, I expect to receive the actual records supporting this verification. If no such documentation exists, these disputed accounts should be removed from my credit report immediately, as required under Section 611(a)(5)(A)(i) of the FCRA.Including unverified or inaccurate information on my credit reportand continuing to share it with third partiesunfairly damages both my credit standing and my reputation. I ask that you take this matter seriously and resolve it as soon as possible.

      Business Response

      Date: 06/04/2025

      Dear ****** ******-********,

      I have forwarded your complaint to the appropriate department.  Someone will contact you via phone or email that is associated with your account.

      Thank you.

      ****** *****, CMO

    • Initial Complaint

      Date:05/13/2025

      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.
      This complaint concerns the inaccurate and damaging reporting of my Rally Credit Union account ending in *****, currently listed on my Experian credit report with a charge-off date of 06/01/2021 and a balance of $14,699.00. This substantial amount demands an immediate and thorough reinvestigation, as this kind of misinformation can severely harm my financial stability, restrict my access to credit, and unfairly damage my overall financial reputation. Under the ****, 15 U.S.C. 1681i requires credit bureaus to conduct a meaningful and complete verification of all disputed accounts, ensuring that only accurate, complete, and verifiable information is reported. This obligation cannot be met with superficial database checks or automated responses that fail to consider the full context of the dispute.I demand that Rally Credit Union and Experian provide a complete, itemized verification of this account, including the original account agreement, accurate payment histories, and all supporting documentation used to confirm its legitimacy. This must include clear proof that the account belongs to me and that every detail reported is accurate and complete. Given the potential for data breaches and errors, this account must be thoroughly reviewed, and if any aspect of this reporting is found to be inaccurate, incomplete, or unverifiable, it must be promptly deleted as required under 15 U.S.C. 1681i and 1681(a)(5). I have escalated this matter to the *** and CFPB to ensure that my consumer rights are fully enforced, and I expect a detailed, comprehensive response, not a generic, automated template. Failure to properly address this issue will constitute a clear and willful violation of my rights, exposing the responsible parties to significant legal consequences.

      Business Response

      Date: 05/14/2025

      Dear Mr. *************** have received your complaint and am forwarding to the Rally team to investigate.  Rally will contact you directly via the contact information associated with your Rally account.

      Thank you.

      ****** *****, *************** Officer

    • Initial Complaint

      Date:03/10/2025

      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 am filing this complaint due to ongoing inaccuracies on my credit report caused by this company's reporting. These errors are negatively impacting my credit score and financial stability, despite my repeated attempts to resolve them directly with the company.Given that these issues remain unresolved and continue to harm my credit, I am reaching out to the Better Business Bureau for assistance in ensuring a prompt and thorough review. I kindly request that this company either correct or remove the inaccurate items from my credit report. Thank you for your attention and assistance in resolving this matter.Details of the account involve are as follows;Account Name: ********************** CU Account Number: ************Date Opened: 04/01/2014 Balance: $11,117.00

      Business Response

      Date: 03/10/2025

      Dear ****** ******-********,

      We have received your complaint and forwarded to the appropriate Rally team for assistance.  Someone from that team will contact you directly.

      Thank you.

      ****** *****, Chief Marketing Officer

    • Initial Complaint

      Date:01/22/2025

      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.
      This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. RALLY CU Account #: ***** Date *********/**/2023 Balance: $19,972.00

      Business Response

      Date: 02/01/2025

      Mr. ***** -

      I have forwarded your complaint below to the Rally team to offer assistance.  They will reach out to you directly.

      Sincerely,

      ****** *****, CMO

      Customers Statement of the Problem:
      This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. RALLY CU Account #: ***** Date *********/**/2023 Balance: $19,972.00


    • Initial Complaint

      Date:12/23/2024

      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.
      I never got a car loan from Rally credit union . This is identity theft and fraud . Remove it from my credit report

      Business Response

      Date: 12/23/2024

      Mr. ********,

      I have forwarded your complaint to the Collections team.  They will reach out to you directly.

      Thank you.

      ****** *****, CMO

    • Initial Complaint

      Date:11/13/2024

      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.
      Same problem as navy federal bank. One day it will show your good on your charges. Next day youll be in the negatives. Its ridiculous. Spoke to customer service **** said it was on merchant. Never had this reoccurring problem with ***************. Never had gone into the negative because *************** would keep up with my purchases. So I can find it bogus when she said its on merchant if they cant find a way to correct this issue I will be leaving the bank. Its already frustrating as it is it takes a while to get a hold of someone. Its frustrating having to pay overdraft fees almost in every pay check and not just 1 overdraft fee. Multiple. Not only is this happening to me but to my boyfriend as well. We thought wed be better off with this bank but as of right now Id rate it 3/10.

      Business Response

      Date: 11/13/2024

      Ms. **** -

      Rally Credit Union has received your complaint and will reach out to you for more information.

      Thank you.

      Sincerely,

      ****** *****, CMO

    • Initial Complaint

      Date:07/19/2024

      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.
      Reported a Debit Card Fraud. Was instructed that it was best to cancel both debit cards and that these would be replaced. Spending more than two hours with their customer service representatives only got one card replaced. Contacted them again. They replaced the same card that had already been replaced. This has interrupted numerous auto-payments and caused significant amounts of time to try to manage a simple request...now several requests.Attempting to contact our branch manager directly. Call center delayed over 20 minutes. Would not provide any direct line to our branch. There is no alternative but to cancel any banking with them and move all direct deposits to another institution. Who has time to be on hold/phone for two hours just to (not) get a debit card replaced?

      Business Response

      Date: 07/26/2024

      **************** - 

      I apologize for the delay in my response.

      I have forwarded your complaint to the Debit Card team for assistance.

      Sincerely,

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

      Chief Marketing Officer

       

    • Initial Complaint

      Date:06/11/2024

      Type:Delivery 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 husband and I got a auto loan with Rally in 2022. We paid the car off on 4-2-2024 and have been waiting for the title to the car along with the paperwork saying we paid it off. When we called on 6-10-2024 to find out why we had not received anything they said it was cause of a bad address and they can't change people's address over the phone. We were never contacted in any way by Rally to let us know that they had the wrong address and that we need to update it. Now I have to keep my car parked because they won't release the title till we either send them a letter, setup a bank account (which we are not doing) or email them to change the address.

      Business Response

      Date: 06/12/2024

      ***************,

      I have received your complaint and forwarded to the Rally team for assistance.

      Rally will contact you regarding your complaint. 

      Thank you for choosing Rally Credit Union for your financial needs.

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

      Chief Marketing Officer

       

    Rally Credit Union is NOT a BBB Accredited Business.

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