Complaints

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

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  Neighborhood Credit Union

  13649 Montfort Dr. Dallas, TX 75240

• 

  Neighborhood Credit Union

  P. O. Box 803476 Dallas, TX 75380

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:05/21/2025

  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.

  I am filing a complaint against Neighborhood Credit Union and the credit bureaus (Experian and Equifax) for reporting a charged-off account with an ongoing balance, which violates the Fair Credit Reporting Act (FCRA), the Fair Debt Collection Practices Act (FDCPA), and *** regulations.Neighborhood Credit Union is reporting an account as charged off with a balance of $677, yet they have never issued a 1099-C to me. According to *** rules, if a creditor writes off $600 or more as a loss, they are required to report this cancellation of debt to both the consumer and the *** via Form 1099-C. This omission suggests either:The account was never legally charged off, or The creditor is attempting double recoveryclaiming the account as a loss while still pursuing or reporting it as collectible, which is unlawful.Additionally:The account is reported with monthly charge-off notations, which misrepresents the nature of a charge-off and could constitute re-aging of the accounta violation of FCRA 623 and Metro 2 guidelines.The account has been disputed multiple times through the bureaus, yet remains verified without proper documentation or investigation, which violates FCRA 611 and 1681s-2.This behavior is deceptive and misleading, and likely falls under FDCPA violations for attempting to collect an invalid or improperly reported debt.

  Business Response

  Date: 06/02/2025

  After reviewing the member's complaint, Neighborhood Credit Union (NCU) is reporting accurately and has not acted inappropriately. A 1099-C does not eliminate the debt from the credit report, nor does it provide an exemption from the obligation to pay that debt or from collection efforts. It simply requires that the member report the amount as part of their gross income on their tax return. When *** charges off a debt, it is an accounting procedure; it does not mean that the member's debt is canceled/forgiven or that we have ceased collection of that debt. Once the debt is paid or settled, *** will be happy to update the reporting accordingly.Relevant information will be emailed to the member to validate the debt. 

• Initial Complaint

  Date:04/02/2025

  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.

  The account is not mines and i asked them to validate the debt and and they couldnt. another company gave another company false information and there trying to collect witch is illegal i have no knowledge of this account and they keep validating it and thats not possible because i never had this accont at all

  Business Response

  Date: 04/09/2025

  A dispute was filed with Neighborhood Credit Union (NCU), and provisional credit was provided to the member. During the investigation period, a portion of the dispute was denied and *** advised the member to reach out to Cash App to further resolve. *** obtained confirmation that our member contacted Cash App and confirmed that all transactions made through Cash App were valid. As a result, the denied portion of the dispute was debited from the member's *** account.

  Customer Answer

  Date: 04/09/2025

  I am rejecting this response because:   I do not agree with the outcome of this dispute. I have repeatedly stated that I did not authorize the Cash App account in question, and it does not belong to me. I do not have a Cash App account, and therefore could not have contacted them or confirmed the validity of any transactions.
  
  
  Additionally, I have never had an account with ********************** (NCU). Whoever provided the confirmation to *** did not speak to me, and I have not made any statements indicating that I authorized or recognized these transactions. The information used to deny a portion of this dispute is incorrect and does not reflect any communication or action on my part.
  
  
  I am requesting a full re-investigation into this matter, as I am a victim of fraud and should not be held responsible for unauthorized activity.
  
  

  Business Response

  Date: 04/17/2025

  We are sorry the member disagrees with the outcome. This dispute was investigated, including authentication, and closed in 2022. We are unable to remove the obligation until it is paid, or settlement mutually agreed upon. 

• Initial Complaint

  Date:02/15/2025

  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.

  Hello my husband and I had a loan with Relyon on credit union and Relylon was sold to neighborhood credit union where I maintained an account in good standing. The truck was repo and sold I think in November. I have not gotten any mail or communications about owing a balance. On Feb 5 2025 I went into the Lancaster Texas branch to withdraw funds since my Zelle was not working. After about 30 minutes of waiting I was told my account was zero out and 7k was taken from my account. This was my mortgage and money for food. Ncu could not give me any information on why it was taken suddenly . I was only told because I wanted to draw a large amount out they took it all to pay off a loan I didnt know still had a balance and they had not taken anything previously . I feel like I was deceived by them and also discriminated against. Why is it when I go in bank I was immediately profiled to look at my account more and then all my money was taken. I was not offered a payment plan or anything about this so called debt. Now they report on my credit the repo I Owe is 44k the loan was only for around 31k and they sold the truck . So they are falsely reporting on my credit and have deceptive practices. They do not care about their customers.

  Business Response

  Date: 03/14/2025

  Neighborhood Credit Union strives to ensure transparency in all financial transactions.  Communication regarding the loan was sent to our member, and our member was informed of the account status. 

• Initial Complaint

  Date:10/30/2024

  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.

  10/10/24 at 2:42pm my wife used my ATM card at the *** at Neighborhood Credit Union, **************************************** drive thru and put in to withdraw $500 cash. The receipt said $500 but only $100 was released from the machine. She got out of the car and looked to see if any cash fell and there was no cash on the ground and no wind that day. She went into the bank and notified them in person and was told I would have to call the dispute center and that it could take up to 10 business days to get the money back in the account. No provisional credit was given. I called the number at 3:15 and reported and then filed a report online via chat from 4:19pm to 4:42pm. I have copies of the receipts serial number of the $100 bill given, & chat conversation. 10/24/24 I received an email letter saying that no error was found. I have filed a theft report with the ********************* you the BBB, and will file with TX State Credit Union ***** & **** ****** CEO of Neighborhood Credit Union. I will pursue this theft to the fullest extent of the law.

  Business Response

  Date: 11/13/2024

  Neighborhood Credit Union investigated the member's dispute and concluded that no ITM malfunction occurred during the processing of this transaction. We have been in contact with the member and consider this issue resolved. 

• Initial Complaint

  Date:06/18/2024

  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.

  On June 2nd, I received a notice that *** had put a late notice on a personal loan. The app showed a $0 balance. I immediately sent an email through the app asking that I be contacted to rectify the situation. I contacted *** on Monday 6/3 and paid the balance off. I sent an email to their credit disputes department at the direction of the *** employee. I received the callback at 12:01pm. I sent another email on 6/4 at 10:35am. I called again on 6/7 at 9:26am to be passed around. Finally, I left a voicemail asking someone to call me back as I want to get this off my credit report. No one at *** has responded via email OR phone. I am beyond frustrated with this company. Especially because their app showed I did not owe a single *****!

  Business Response

  Date: 07/03/2024

  Our member contacted Neighborhood Credit Union (NCU) regarding negative reporting on their credit report and the same day, the negative reporting was removed from all three credit bureaus by NCU.  We did email the member that it was confirmed; therefore, we recommend our member check his junk/spam mail.
  

  Customer Answer

  Date: 07/05/2024

  I am rejecting this response because:   I have gone through the spam folders.  There is no email from NCU.  Also, after leaving a **, I never had a call back as stated on the ** that they would.  It is an abject lie that there was communication.  I have not deleted any email from them.  I have maintained all the spam emails about switching car insurance, refinancing car, car loan, ad&d insurance, etc. 

  Business Response

  Date: 07/12/2024

  Neighborhood Credit Union sent an email confirmation that the negative reporting was removed from all three credit bureaus the same day our member contacted us, June 4, 2024. Additionally, copies of the updated credit reporting documentation have been mailed to the address on file. We are committed to prompt resolution of member concerns and appreciate Mr. ******* patience through this process.     

  Customer Answer

  Date: 07/13/2024

  I have reviewed the business response and accept this resolution. 

• Initial Complaint

  Date:05/23/2024

  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 my May credit card statement I noticed several errors on the statement, no minimum payment like it has always been, and not itemized charges on the statement. I called the credit card department and I was informed that they would have a ticket placed on the statement and within 72 hours I would receive a call. Then I was given false information saying that notices was sent out before June saying that in June a 3% increase would be going into place. That had nothing with the payment in that amount of $234, and not $160 or $159 monthly payment that I have always been paying. I was also told that a lot of the credit card customers has been unhappy and has been calling in on there outrageous requested payments that the Neighborhood Credit Union is having them to pay. If notices was sent, then nobody would be calling. As of this date nobody has called me, the statement has not been adjusted. Then I was told that it was the loan company that is supposed to handle this. If you would look at the past statements, the 3% has already been in place. I have research and I have yet to find anything saying that in June changes to the credit cards payments and increases will be changed. When you request for someone higher the rep will say, I have to take your number and have someone call you back. This is bad business practice, the Feds has not increase rates. In the discloser you will not find anything saying that *** payments only. This affects your seniors as well as others. I understand that banks has to make their money. It use to be that credit unions was better than banks, but now it is banks is better than credit unions, banks is not increasing fees and they is finding ways to work with their long time customers and removing a lot of different fees. The $234 has been on past statements as well as payment due $159-$160 due on the 3rd. I have never been late and neither have I had any late fees for $35 dollars.

  Business Response

  Date: 06/04/2024

  Neighborhood Credit Union has conducted a thorough review and deemed no errors occurred with Ms. ********* credit card statement. All credit card changes taking effect on May 6, 2024, were communicated in Neighborhood Credit Unions statements dated March 6, 2024. ******************** contacted our ********************* on May 7 to seek clarity regarding the change to the minimum monthly payment. On May 31,********************* also received a follow up call from our ********************* Supervisor, who once again, reiterated the changes to ensure proper understanding and ******************** had no further questions. Based on the above facts, we consider that Neighborhood Credit Union has successfully answered and resolved Ms. ********* concerns.
  

  Customer Answer

  Date: 06/06/2024

  I am rejecting this response because:   In the response he never stated that they seen where their was a minimum balance on the statement that was due for June 3 2024. On all past statements their has been a minimum balance. If he had of went back to the statement that was due on the 3rd of May and the 3rd of April the payments was for the amount of $159-160 and not the $239. If he had of listen to the phone conversation on the 7th of May I did mention several times that their is no minimum amount on the statement. With the 3% increase the minimum should have been no more than $170. On the past and all past statements their has been a balance with $289 or less and I was only asked to pay the minimum amount of $159-160 and not the $289 or more. I provided the credit card disclosure saying that minimum balances would be what we pay. On the 7th I was sent over to a loan manager who declined to look at all past statements. I have called and I have left several messages with NCU ********************* who is suppose to handle all complaints that we members have, he has not returned any of my calls. I am asking that the BBB examine the evidence that I attached to the complaint along with all past statements, and you will see what I am speaking of. The chief complaint is that NCU credit union is now seeking *** payments without min payments. Even when the Feds was doing interest rates I still was not paying $200 and above. I have no new charges that would make my bill payment higher. Once again if he had of went back and looked at all past statements he would have seen a payment on their saying $289-269 but I only had to pay $159 and that is called a minimum payment due. Once again my reason for calling on the 7th of May was because I noticed that the statement did not have a minimum payment due but the statement was requesting the *** in the amount of $239. I understand that banks and credit unions and credit card companies increase their rates all of the time, and that sometimes higher balances makes the payment higher. I am pleading with the BBB to reexamine all the attach evidence that was submitted with this complaint. 

  Business Response

  Date: 06/14/2024

  Neighborhood Credit Union has conducted a thorough analysis of Ms. ********* credit card statements which includes a review of all statements from January 2024 through May 2024.Our research shows the minimum payments required for each payment cycle were accurately reported on each credit card statement. For clarification, the maximum payment amount is the full outstanding credit card balance for any statement cycle.  Again, we have confirmed no errors occurred and consider Ms. ********* case resolved.   

  Customer Answer

  Date: 06/17/2024

  I am rejecting this response because:   I am rejecting the response do to she stated that she had went back to all statements in 2024, that is untrue. Now if you would look at the 2 attachments you will see 2 things on those statements, a *** and a min and the min payment due was for ether in the amount of $159 and $160 and on those statements there was amounts for $289 and what I was asked to pay was one of those minimum payments $59-160 and not the $289. And if you would carefully examined those statements you will see that the conflict in the amount, if these 2 statements now June and *** is a requested payment for $233 and $ 239 why back them I was not requested to pay the $289 and the $239 and the $233 payments has went down by $50 so the whole bill should be lower than the now requested payment amount. NCU hates to admit that they has made an error and they hates to admit that they has the math wrong. This is the woman who declined to examined the whole bill and played blind and crazy and wanted to do some unnecessary math instead of looking at the bill wrong. Even at the 3% the minimum amount should be lesser and it should be around $170 and not the $230. Let me recap what the chief complaint is about, it is about the minimum balance is not reflecting on the ***-June-July bill it is about NCU failed to send notices out to me into regards of the changes if there was going to be any. It is about NCU fails to examine the presented statements. If you would kindly  examine the statements that is attached to this response and look at the previous statements that has been attached to this complaint and look at 6-14-2024 response on where she stated that she has went back and examined the past statements, you will see that she is not being honest. And if she had reviewed the statements she would have seen exactly what I am complaining about. Once again the statements has no minimum amount do. And I just provided the last statement before ***-June to backup my claim and my allegation. 

• Initial Complaint

  Date:05/11/2024

  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.

  Neighborhood credit union is a big inconvenience they are only open Monday-Friday you cant get ahold of anyone on the weekends I will be going to a traditional institution cant access my funds and cant get ahold of anyone till Monday and my daughter birthday is tomorrow and all my money is locked up

  Business Response

  Date: 05/27/2024

  Dear Better Business Bureau:

  We appreciate the opportunity to respond to ******************** recent complaint regarding our service hours and the inconvenience she experienced over the weekend.

  First and foremost, we sincerely apologize for the frustration and inconvenience **************** faced when she was unable to access her funds during the weekend, especially given the importance of her daughters birthday celebration.

  Our credit union is committed to providing excellent service to all our members, and we deeply regret that Ms. ******* experience did not reflect this commitment. We understand that limited access to member services during non-business hours can be challenging. 

  We are actively exploring ways to expand our support services to include weekends and extended hours. We value ******************** feedback. Our goal is to ensure that all our members have seamless access to their accounts whenever they need it.

  We hope to regain Ms. ****** trust and assure her, as well as all our members, of our dedication to improving our services. Thank you for bringing this matter to our attention.

• Initial Complaint

  Date:05/01/2024

  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.

  Date: 04.30.2024 Utilized Zelle option to send $5.00 and place a stop on that request same day since there was no immediate credit to the receivers account. There is no disclosure that there is a $34 fee to stop the transaction which is deceptive practice. I would like my funds refunded.

  Business Response

  Date: 05/14/2024

  We disclose that most Zelle transactions are typically available in the recipients account within minutes" prior to sending any transaction as this is determined by the Zelle network and not Neighborhood Credit Union. The $34 stop payment fee is also outlined as part of the disclosure before processing any stop payment request. We regret any inconvenience this may have caused ************** and feel this situation has been positively resolved through direct communication with our member. 

  Business Response

  Date: 05/29/2024

  We disclose that most Zelle transactions are typically available in the recipients account within minutes" prior to sending any transaction as this is determined by the Zelle network and not Neighborhood Credit Union. The $34 stop payment fee is also outlined as part of the disclosure before processing any stop payment request. We regret any inconvenience this may have caused ************** and feel this situation has been positively resolved through direct communication with our member. 

• Initial Complaint

  Date:04/24/2024

  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.

  Was current on payments and insurance also having gap insurance My truck was stolen and damaged Insurance nd gap was denied while Im still payin

  Business Response

  Date: 05/06/2024

  The collateral in question had been placed out for repossession when our repo company found that the unit was totaled and burned.Our ********************** filed a claim with State National (our Collateral Protection vendor) and denied the claim as ************** had insurance coverage through Progressive. After speaking with State National it was relayed to Neighborhood Credit Union that Progressive denied the claim due to non-cooperation in sending information that was requested during the claim. ************* needs to reach out to Progressive and give the necessary information to them to get this resolved. In the meantime, he is still responsible for making payments on this auto loan until everything is finalized.

• Initial Complaint

  Date:04/24/2024

  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.

  The customer service isnt good, they overcharged my account when I requested them not to

  Business Response

  Date: 05/06/2024

  From our research and discussions with the member it shows two *** (Electronic Cash Management)payments were made by *************** when she only intended to make one payment.
  

  Neighborhood Credit Union was able to reverse one of the *** payments but as we were in the process of reversing the payment, *************** also disputed the second payment with her other financial institution.
  With both payments being voided and sent back, there is still a payment due as of April 25, 2024.
  
  We are more than happy to provide a skip-a-pay to help alleviate stress to *************** or take another payment to satisfy her April payment to get this issue resolved.