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Business Profile

Credit Union

Congressional Federal Credit Union

This business is NOT BBB Accredited.

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Complaints

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

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Congressional Federal Credit Union has 2 locations, listed below.

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    Customer Complaints Summary

    • 2 total complaints in the last 3 years.
    • 2 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:04/18/2025

      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.
      I applied for a credit line increase which resulted in to many hard inquiries for a single request. I have spoken with multiple representatives to no avail and have been asked to correspond with the (Credit Bureau) that in turn advised me to contact the lender for the reason of the amount of inquiries that were initiated. I feel like I'm playing a game of ping pong being bounced back and forth between the credit bureau and the lending merchant. I have requested assistance with both parties and have yet to receive and legitimate assistance. I would like the BBB to help resolve this situation. I can be reached at **************. (Credit Bureau Transunion). Please look at (03/04/2025) (03/05/2025) (03/06/2025) in the attach file.

      Business Response

      Date: 05/06/2025

      Re:         Complaint ID ********

      Dispute Resolution Team:

      Thank you for notifying us of the above-referenced complaint placed with your organization. We take such complaints very seriously and always appreciate the opportunity to address any concerns expressed by our members.

      Our members trust in ** is a most valuable asset, and keeping that trust is our paramount commitment to them. To protect our members privacy, we have not included specific account or transaction details within this letter. With respect to the complaint, we contacted our member directly and we directly addressed the members concern outlined in the complaint.

      Thanks again for bringing this to our attention. Please feel free to contact me directly at ************ or via email at ************************************** if you have any questions or concerns.

      Best regards,

      *. *****-*******

      ******* *****-*******
      Senior Director of Compliance

      Business Response

      Date: 05/12/2025

      Re: Complaint ID ********


      Dear Dispute Resolution Team,


      We have received your follow-up regarding the above-referenced complaint. As stated in our initial response, we take such complaints very seriously and always strive to address any concerns expressed by our members promptly and effectively. Our members trust in us is our most valuable asset, and maintaining that trust is our paramount commitment.


      To protect our members privacy, we have not included specific account or transaction details within our response. The privacy and security of our members' information are of utmost importance to us. We adhere to strict privacy policies and regulations to ensure that our members' personal and financial information is safeguarded at all times. This includes not disclosing any personally identifiable information in public forums, such as the BBB website, to prevent any potential misuse or unauthorized access.


      Regarding the complaint, we have contacted our member directly and have addressed the concerns outlined in the complaint. We believe that direct communication with our member is the most effective way to resolve any issues and to ensure that their privacy is maintained.


      Please feel free to contact me directly at ************ or via email at ******************************************************************* if you have any questions or require further information.


      Sincerely,


      ******* *****-*******
      Senior Director, *** & Compliance
      Congressional Federal Credit Union

    • Initial Complaint

      Date:10/03/2024

      Type:Customer Service 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 have trying to work with the bank to resolve the mystery of the bank claiming to not be receiving my payments. I have automatic bill pay to pay Congressional from my *** account every two weeks and I have not changed Congressional mailing address. I go through this with this bank every other month. They will call and email and say my payments are late and then later on that day they will tell me they found my checks. I would like for the bank to respond to my emails ,remove all late fee from my account and to update the Credit Bureaus to reflect payments on time.

      Business Response

      Date: 10/16/2024

      October 16, 2024

      Better Business Bureau
      Dispute Resolution Team
      *****************************
      *********************************************

      Re:         Complaint ID ********

      Dispute Resolution Team:

      Thank you for notifying us of the above-referenced complaint placed with your organization. We take such complaints very seriously and always appreciate the opportunity to address any concerns expressed by our members.

      Our members trust in ** is a most valuable asset, and keeping that trust is our paramount commitment to them. To protect our members privacy, we have not included specific account or transaction details within this letter. With respect to the complaint, we contacted our member directly and we directly addressed the members concern outlined in the complaint.

      Thanks again for bringing this to our attention. Please feel free to contact me directly at ************ or via email at ************************************** if you have any questions or concerns.

      Best regards,

      *. *****-*******

      ******* *****-*******
      Director of Compliance

      Customer Answer

      Date: 10/18/2024

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]
      The business will not update my credit to reflect no late payments. My credit dropped over 80 points once they reported late payments. Payment was not late. Also, the bank will not remove late payment from my mortgage payment from June. The payment was sent on time and the bank claimed they received the payment late. They recently only contacted me to try to resolve the issue because I had to file complaints. I should not had to file complaints for them to try to assist me in  resolving the problem. I have had multiple loans with the bank that I paid off in full. They do not value me as a customer nor do they care about losing my business.  
       Complaint: 22375211

      I am rejecting this response because:


      Regards,

      ***** ******








      Business Response

      Date: 11/01/2024

      Thank you for notifying us of the above-referenced complaint placed with your organization. We take such complaints very seriously and always appreciate the opportunity to address any concerns expressed by our members.

      Our members trust in ** is a most valuable asset, and keeping that trust is our paramount commitment to them. To protect our members privacy, we have not included specific account or transaction details within this letter. With respect to the complaint, we contacted our member directly and we directly addressed the members concern outlined in the complaint.

      Thanks again for bringing this to our attention. Please feel free to contact me directly at ************ or via email at ************************************** if you have any questions or concerns.

      Best regards,

      *. *****-*******

      ******* *****-*******
      Director of Compliance


      Business Response

      Date: 11/07/2024

      Dear BBB ************************* Team,

      We appreciate you bringing this matter to our attention and we appreciate Ms. ****** sharing her concerns with us. We conducted detailed research and reached out directly to Ms. ****** as well. 

      Ms. ****** may regularly set her payments with ******** before the due date, but we do not receive the payments until after the due date.  As a courtesy, we have forgiven fees before, but we are at the point where Ms. ****** must make adjustments to how or when she makes payments to us so that we receive them in a timely manner. Please see the attached letter we sent to Ms. ****** last month.

      Thank you again for providing this feedback and for giving us the opportunity to respond. 

      Sincerely,

      ******* *****-*******
      BSA & Compliance Director
      PO Box *****, **********, ** 20026

      Business Response

      Date: 11/07/2024

      Dear BBB ************************* Team,


      We appreciate you bringing this matter to our attention and we appreciate Ms. ****** sharing her concerns with us. We conducted detailed research and reached out directly to Ms. ****** as well. 
      Ms. ****** may regularly set her payments with ******** before the due date, but we do not receive the payments until after the due date.  As a courtesy, we have forgiven fees before, but we are at the point where Ms. ****** must make adjustments to how or when she makes payments to us so that we receive them in a timely manner. Please see the attached letter we sent to Ms. ****** last month.


      Thank you again for providing this feedback and for giving us the opportunity to respond. 
      Sincerely,


      ******* *****-*******
      BSA & Compliance Director
      PO Box *****, ************** 20026

      Customer Answer

      Date: 11/12/2024

      [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

       Complaint: 22375211

      I am rejecting this response because: On June 7, 2024, ******** mailed my mortgage payment,  which they ensured was sent in a timely manner to meet the payment deadline. However, I was charged a hefty late fee in the amount of $484 to my account because the payment was not received by the due date. All proof have been submitted to proof *** sent the payment on time. 
      While I understand that mail delays can occur, I firmly believe that I fulfilled my obligation by ******** sending the payment on time. It is disheartening to see that my timely efforts are being disregarded and that I am being penalized for circumstances beyond my control.
      I kindly request that you review my account and consider waiving the late fee. I have always made my payments on time and value my relationship with your bank. I believe this situation warrants a reconsideration of the charge, given the circumstances.
      Thank you for your attention to this matter. I look forward to your prompt response.


      Regards,

      ***** ******








    Congressional Federal Credit Union is NOT a BBB Accredited Business.

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