Complaints

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

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• 

  Goldenwest Credit Union

  5025 Adams Ave Ogden, UT 84403-4102

• 

  Goldenwest Credit Union

  5627 S 2050 W Roy, UT 84067-2435

• 

  Goldenwest Credit Union

  805 Washington Blvd Ogden, UT 84404-4955

• 

  Goldenwest Credit Union

  3217 Pennsylvania Ave Ogden, UT 84401-3329

• 

  Goldenwest Credit Union

  3225 Harrison Blvd Ogden, UT 84403-1226

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:05/10/2025

  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 recently purchased a 2025 Toyota Corolla Hybrid from Young Toyota. I opted to pay $20k in Cash and finance the rest in the amount $11,510.43. I was "guided" through some paperwork by ***** where he showed me financing options that only showed the amount that would be due each month to finance the $11,510.43.
  He explained that it would include tint and the clear bra. At which point I asked him if there was any extra cost to add these features. He said all I would owe is the remaining balance of $11,510.43. I asked him two more times to reaffirm that i would only be paying the 31,510.43 that I had signed for and he again stated two more times that the cost of the car and everything included, and that all I would be responsible for walking out that day would only be $31,510.43
  I never signed any paperwork stating otherwise which has led me to believe that he has forged my signature on forms, and at the very least has been incredibly deceptive. I called him to have him explain why I'm being charged $9,630.74 more for the car and he would not explain anything but would only say that the balance shown is what I owe. He has refused to work with me on resolving this issue and called me a liar. He was very uncooperative and would interrupt me while I was speaking to him.
  
  I had tried contacting Golden west about this issue beforehand when I noticed the incorrect amount listed for the financing and they told me to contact Young Toyota. The above was my correspondence with them.
  I responded back to Golden west about the issue and how it is fraudulent and they simply told me theres nothing they can do and are completely unwilling to work with me on resolving this issue

  Business Response

  Date: 05/19/2025

  We want to clarify that Goldenwest
  Credit Union’s role in this process is limited to funding the loan based on the
  documentation submitted by the dealership and signed by the member. We do not
  participate in vehicle pricing, product bundling, or negotiation of terms
  between the buyer and seller. All financing requests are initiated through the
  dealership and must be supported by signed loan documentation.
  If the member believes that any
  documentation was altered or their signature was forged, we encourage them to
  pursue the matter directly with the dealership and, if necessary, escalate the
  issue to Toyota corporate or local law enforcement. Should the member provide
  documentation substantiating claims of forgery or unauthorized charges,
  Goldenwest Credit Union is prepared to review that information and take
  appropriate action within the scope of our authority.
  While we are unable to mediate
  disputes between members and third-party dealers, we remain committed to
  supporting our members and will continue to assist in reviewing any new or
  relevant information related to this case. We have also passed along this
  complaint to our contact with the Young Automotive Group. 

  Customer Answer

  Date: 05/19/2025

  
  
  Complaint: ********
  
  
  
  I am rejecting this response because none of this was explained to me when I have contacted Golden west Credit Union. I have tried contacting them to resolve this issue. I was hung up on once, another time I was told only that the loan was finalized and there was no action that could be taken. They were unwilling to work with me on the issue or help me understand any limitations they may have. Their behavior is curt and disrespectful.
  
  
  
  Sincerely,
  
  
  
  ***** ********

• Initial Complaint

  Date:02/28/2025

  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.

  Dear Better Business Bureau,I am writing to formally dispute a fraudulent account reported by Golden West Credit Union under my name. I have never opened an account with this institution, and I have no prior association with them. Despite my attempts to contact Golden West Credit Union to resolve this issue, they have refused to take appropriate action in removing this fraudulent account from my ********************** report and collections.This fraudulent account has negatively impacted my credit standing, and I demand its immediate removal. I request that ********************************** Union provide documentation verifying my authorization for this account. If they are unable to provide valid proof of my consent, they must immediately cease reporting this false information to credit bureaus and remove it from collections.I have also reported this matter to the credit bureaus and may consider further legal action if this issue is not resolved promptly. I ask that the BBB intervene to ensure that Golden West Credit Union properly investigates and rectifies this matter.Please keep me informed on the status of this dispute. I appreciate your prompt attention to this serious *********** is better of Goldenwest does need to contact me since I work a lot but need this resolved now and removed!

  Business Response

  Date: 03/06/2025

  Good afternoon,
  Our ********************** Assistant Manager, *****, has made multiple attempts to contact Mr. ****** ******* and has left several messages to address his concerns. However, she has not been able to reach him to discuss the account. We request Mr. ******* to respond to Misty's voicemail or email her at ******************* in order to get a better understanding of his complaint. 

  Customer Answer

  Date: 03/06/2025

   
  Complaint: 23004725
  
  I am rejecting this response because: she never called me and I never got a voicemail from her I know I tried calling and they always say she is never in this is a fraud account remove this from my name and collections I never had an account with golden west ever and no one called 
  
  Sincerely,
  
  ****** *******

  Business Response

  Date: 03/13/2025

  We were able to make contact with Mr. ******* and since this is considered fraud we have asked Mr. ******* to file a police report. At this point we are waiting for the police report and have transferred this compliant to our fraud department. 

• Initial Complaint

  Date:11/07/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I opened an account with this credit union in 2020, and at the end of my business there I told them to shut the account down. They did not shut the accounts after my in-person requests and have made it very difficult to close them. I need my accounts closed, I do not want them affecting my credit score so that they can boister their account numbers.

  Business Response

  Date: 11/12/2024

  We have reached out to Mr. ****** via email and phone. 

• Initial Complaint

  Date:05/28/2024

  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 5/21 I requested a $1,000 increase to my Visa card, I recieved an email and was made to upload personal informatoin without the secure link as I have always been sent in the past. I received a call from Mireya **** C****** as well as the very unprofessional email I have never receied an email like that from Goldenwest their signature removed and replaced with rainbow garbage, the unprofessionalism was bit much. I reiterated a 1,000 dollar increase is what I was asking for. I sent the 2 paystubs showing income of almost 4,000 a month, No call was ever made to my reference and yet I get told that I am denied because of my history with Goldenwest credit union I have attached my credit report showing I am at 39% usage on the only 2 credit cards that I have and other then that my only other loan is my car loan which I screenshot that there are no missed payments reported to the bureaus since my purchase 11/2021 there was 1 missed payment in Jan 2023 on the credit card so I am livid that my charachter was assassanted, no real credit check performed this is retaliation for going to the BBB on them mulitple times they don't let me ever forget that i have done that, they have even illegally removed what is in my contract of online banking because I called someone exactly what they were acting like it took going to the BBB and also a person in one of the branches to get my rights back that they tried to convince me that it was a privildege when in fact it is one of the perks listed for being a GWCU member!. I want to know when it is acceptable for an inidividual to change my request amount the application as well as our verbal conversation I CLERARLY STATED 1,000 on the form I got in the mail today it shows I requested 3,0000 that is against the law, the slanderous lies about det to income ratio BS my credit report shows what I have 3 accts 2 of them GWCU (car, cc) my total usage 39% so they lied about every reason listed but bad credit history with them that is SLANDER!.

  Business Response

  Date: 06/05/2024

  We have contacted this member regarding her complaint. 
  All items of concern have been addressed and we have come to a resolution with
  ********.  

  Customer Answer

  Date: 06/05/2024

  
  
  Better Business Bureau:
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ******** ******

• Initial Complaint

  Date:12/31/2023

  Type:Sales and Advertising 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.

  Yes I noticed golden west charged me fees even if I would off had the money in my account so I called them and the manager warran and another manager didn’t care, charity I made many many complaints about and she didn’t care I even sent proof that online shown I would off had the money for those transaction they didn’t care

  Business Response

  Date: 01/02/2024

  We have reached out to this member to address his complaint.

  Customer Answer

  Date: 01/03/2024

   
  
  Better Business Bureau: I am not fully happy with the results since goldenwest  is rude and don’t care even with proof but they won’t do anything and doing things illegal 
  
  
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  
  
  
  Sincerely,
  
  
  
  ****** *******

• Initial Complaint

  Date:11/29/2023

  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.

  Goldenwest Credit Union canceled my autopay and sent me to collections because *they* canceled my payments. Repeated calls inquiring about it gave conflicting information, delaying getting the issue resolved even further. I just want to pay for my car but GWCU won't let me give them money.

  Business Response

  Date: 11/30/2023

  We have tried reaching out to this member but he doesn't answer, and his voice mail is full. We will continue to try, but he can also reach out to our Contact Center at ###-###-####. 

  Thanks!

• Initial Complaint

  Date:10/13/2023

  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 10/12/2023 a few unprofessional emails occurred due to the ignorance and non responsiveness of the employees at the GoldenWest Credit Union About a year and a half ago I filed a charge with the burea against GWCU due to a few reasons 1. being that they blocked my online mobile deposit because they THOUGHT the check was fraudulent like why would you think that about one of your member is mind blowing however the result was that once the check cleared which it did i would be able to utilize mobile deposit again they STILL haven't opened up my mobile deposit and that was over a year ago, i repeatedly ask and I am repeatedly given a bogus reason why it's not open verify my address are you kidding me right now.Yesterday I advised them there was little cearsars charge which I reported right after I noticed it a few weeks ago (i cna't give you dates I will explain next paragraph) I was told they filed fraud on the charge and closed the card that was A LIE somethjing they are good at I went into the bank and spoke ot the teller who told me the card was still active I asked her to replace the cards then emailed the bank for a refund on that item that stupid ##**# told me to call the cops and file a report look that was a few weeks ago no one said that but her, so I told her I felt her and her level of stupidity. She took it way to the ilmit My account is now blocked from online services and from being able to view what they could potentially be doing. there is NOTHING in my contract with Goldenwest that states they have teh right lock me out of being to see my funds, what they are doign wiht them or anything else, this is pure harrassment which I am pursuing legal action as we speak on that aspect but this is unprofessional and unwarranted it's not my fault they are ****** sensitive, you shouldn't make repeated judment calls on someone because you feel entitiled they lied ot me told me they would ***** a carpayment didn't happen but they swear it did LIARS!!

  Business Response

  Date: 10/27/2023

  We are currently working with the member on this complaint. 

  Customer Answer

  Date: 10/27/2023

   
  Complaint: 20734222
  
  I am rejecting this response because:

  at what point are they stopped in their illegal practices and not responding to complaint at what point do they get called out for illegally taking my online access which is clearly ***** in my contract as being a benefit of being their member.yet I sent an unprofessioanl email and I am locked out my account told it's a priviledge when it is "benefit" which means a right, but no where in my contract does it state that if I send an email with explitives they would take the action of locking me out of my account

   

  furthermore the individual behind this ********* has also labeled my account as fraud and I have had 2 agents tell me taht answer the phone my account is labeled fraud just so no one will be able talk to me and I am sent to her department this is NOT a fraud situation this is I called her a few names outside of her own and i stand by that, so she is playing God locking me out of my online account and further more she has labeled my account with a fraud warning and so no one can talk to me this is ludacrous something needs to be done.
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 11/02/2023

  We have spoken with our member ******** and resolved her complaints. 

• Initial Complaint

  Date:04/11/2023

  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 04/11 I logged into my account to find that I was -$71.00 overdrawn to which $66.00 it was there fees they want to charge $66.00 for 5.00 I called into customer service and the younger gentleman wanted to play word games with me
  
  I have previously complaned on the company due to blocking my mobile deposit feature for a LEGITIMATE check that cleared I was assured that the restriction due to potential fraud from my mobile deposit from my employer it cleared 6 months ago stil unable to do mobile deposit,
  
  I was told if i made 2 payments back to back on my vehicle and brought my cc account current they would defer a month worth of payment so I told him I paid 2 payments back to back which should have deferred Aprils payment but no they reduced the amount by $40.00 said they deferred the payment but because of missing a month in January ok hold up that doesn't matter we made the agreement if I made 2 payments they would defer a month for me I made a payment end of feb for Feb as discussed on the phone and I made a payment first week of March as discussed on the phone and now they are saying that I owe in April we made an agreement on the phone make 2 payments back to back 1 month deferred and I said good because after 2 payments back to back I would need a month to recoup now they renigged on that and I have a payment due on the18th of this month after making 2 back to back payments so they lied to me they knew what payments I missed they still made the agreement and it was 2 pymts miss a month damn the history they lie and wordplay I want the payment for april deffered as promised i lived up to my end they should live up to theirs
  
  I brought my credit card balance current paid in the bank an additional 27.00 2 weeks letter to log on to find they were saying I was behind and I owed ANOTHER payment I have to make 3 payments in 2 months and they reported me negatively to the bureau t
  
  I am being reported neg to bureau on my car pymt and cc STOP THE LIES TO THE BUREAU

  Business Response

  Date: 04/17/2023

  We sent ******** an email on 3/15/2023 with detailed information regarding her account. We left her a telephone message on 4/13/23 with options for her to contact our Collections Department via email OR phone. She still has not responded as of 4/17/2023. We would be happy to have an in-depth conversation with ******** regarding any questions or concerns she may have if she wants to give us a call at ###-###-####.

• Initial Complaint

  Date:03/26/2023

  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.

  Hello I am the property owner along with my wife, and we discovered we need a new roof that costs 10K plus. I never really thought about this as the roof was an overlay put on 9 years ago through S&S roofing, but found out they did a subpar job. Now my wife and I have excellent credit and as a matter a fact we were going to trade in out travel trailer just a month or so ago, but backed out because of the games the dealership was playing. Now we bring in over $5K with no taxes taken, as I am a 100% disabled vet and we do have the 10K available but that would wipe out my savings, and I do not want to take from my retirement account. I just retired from ******** on 31 Dec 2022 and OPM has been in contact with me, and they received my packet like 2 weeks ago, so this could go another month before I get my packet from them. We applied for a Home equity loan as we have well over 200K in equity and was looking for 50K to 75K to have for home renovations in the future. The woman never disclosed me the specific requirements, and at the end she said I was 43% debt ratio, and then we received a notice of ******. She did tell me I could use my credit card, now that is really smart! I am not a punk kid with no credit, or no assets. I just sent an email to her to let her know we will eventually be moving our services and money to another financial institution when I get my retirement squared away with the government. I currently have the same request with ******** where the rep see's now problem with my request. I am done with GWCU, as the collateral is my home, and my past credit.

  Business Response

  Date: 03/29/2023

  We contacted our member on March 29, 2023 to further explain what documentation would be acceptable to verify income in order to complete the loan application. We look forward to continuing to work with our member on this Home Equity Loan.

  Customer Answer

  Date: 03/29/2023

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

• Initial Complaint

  Date:02/07/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I went to use my card the other day it was declined, I called the customer service phone number I was immediately transferred I was met with te disgusting and rude person EVER. she first told me because I wasn't getting mail so I advised that that's a lie I had just received something in the mail then she stated my credit card hadn't been paid in months but I just deferred the payment last month she also stated while she kept overtalking me condescending me and being judgemental that I hadn't brought my account in 41 days she wouldn't allow me to talk she kept overtgalking me I told her that when my direct deposit of 468 landed on January 20tth that cleared up account she said like I said your acocunt hasn't been current in over 41 days I lost my s*** on her and hung up on her I called back as my luck would have it I got her AGAIN she basically called me a liar and she then looked at the account said no you didn't bring it current you still had a balance of 34 WTF rigth you guys have taken 800 of my money in 2 weeks and then cancel my cards and treat me like s*** I want d' December 27 I was 706. overdrawn brought it current with a balance of 313 to the positive jan 17th I was 502 overdrawn brought it ***** which 2 ***** charges were supposed to be removed bottom line is yes i get negative but I always bring it current yes I am negative now but guess what you chose to kill my cards, telling me I haven't brought it current in 41 days I have broughten that account current so many times in the last 5 months i don't who this witch is but she has a hard on for me and she's going to cause a lot of problems I want an apology from her I want my account rentated and I want to speak withsomene about my car payment. I will NOT Speak to that b**** again.

  Business Response

  Date: 02/14/2023

  Our AVP over collections has contacted our member to discuss the concerns on her account and her frustrations in dealing with one of our employees. We now have a better understanding of her issues with us. Our AVP over collections explained how her account works, provided an apology, and refunded some of her fees as requested. We believe we have resolved our member's issues, but if she has any additional questions or concerns, she has the phone numbers to contact us. 

  Customer Answer

  Date: 02/18/2023

   
  Complaint: 19349119
  
  I am rejecting this response because: I made the agreed upon payments bringing the account current, (****** into checking 280 car payment and ***** on my **** bill) only 20 of the 55 I paid on my **** refelcts and all of a sudden I have 3 ***** fees on my credit card that i haven't used in over 6 months for being over the limit which I would be over the limit without their fees it was said I owed ***** as of Feb on my credit card. that is BS, if you take the total of ***** in fees that would bring my account under a thousand dollars and you add the ***** from yesterday I should be rough about 940 on my credit card however It states that I owe ***** which is what it said I owed a few days ago until they added another ***** apparently overnight for what who knows the ***** fee is assessed on my checking when I utilize money via debit card that I don't have in account. I want the fees removed from my credit card and the whole ***** applied ot my credit card. this is ludacrous I have never been charged ***** fees on my credit card before and I won't tolerate I won't pay it. furthermore I was told I was 2 months behind on my car payment that is a blatant lie I paid Jan car payment yesterday Feb car payment is due TODAY!!!!!!! so I am not 2 months behind I show a 0 balance due today see screnshot, so I was told in my discussion with collectons on this complaint last week to catch up my car payments and he would defer one that was a lie to get me to say this was resolved but it's not if the true intention was to defer car payment then why not Feb payment why would I have to wait and make 2 car payments when I have been paying on that car since Oct of 2021 I am so beside myself with the dishonesty, the customer service and the fees that just come out of the blue and I wnat to know what the h*** was done with my payment on my cc yesterday you don't owe **** one day then all of a sudden it is a **** because they add fees for what then you make a ***** payment and it goes down to **** which is exactl where I was before I made a pyament and before some ficticious charge came upon it. why is it not relecting the total ***** payment and why do they call is a partial payment with some code that is BS it was a payment I only owe ***** a month I made a payment the end of december so how in the h*** is this a partial payment that is over what I would it's not due for Feb yet? they make you believe they are doing you a favor but they are takin fees off one account and finding a way to add to another in order for this to be resoved I now want Feb car pyament deferred and Iwant all fees removed from my cc and an accurate account balance I know what that is I just want to see how deceptive the bank will be in delegating theirs I want my acct opened like I was promised I have a blanace of 7 in my acct I was deined a **** purchase because they did NOT reopen my account/and cards like I was lied to and told they would so no this is not an acceptrable resposne 
  Sincerely,
  
  *****************************

  Business Response

  Date: 02/28/2023

  We have once again reached out to our member. The rejection of our original response brings different issues than the original complaint. Our AVP over collections has once again spoke with our member and attempted to explain the issues she is having on her account. We believe we have resolved her account issues, but if she has any further questions we have offered to have her contact us directly in resolving any future issues.