Complaints

This profile includes complaints for B E C U's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  B E C U

  12770 Gateway Dr S Tukwila, WA 98168-3309

  
• 

  B E C U

  200 Bellevue Way NE Bellevue Downtown Nfc Bellevue, WA 98004-5720

  
• 

  B E C U

  401 Broadway E Ste 125 Seattle, WA 98102-3696

  
• 

  B E C U

  1753 S Burlington Blvd Ste 100 Burlington, WA 98233-3235

  
• 

  B E C U

  1512 6th Ave Downtown Seattle Financial Center Seattle, WA 98101-1706

  

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:11/21/2023

  Type:Service or Repair 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 purchased a vehicle with a BECU loan on 4/12/23. My vehicle insurance covers me from date of purchase for 30 days. I added my vehicle to my insurance on 5/24/23. Therefore my insurance was not on my vehicle for 12 days. BECU added $780 to my loan stating I didnt have coverage for ********************************************************** insurance provider. I spoke with BECU (x3) I spoke with Allied (x2) each time after reviewing my verification of insurance they tell me $780 will be credited back to my loan within 10 business days. They also stated that they dont place CPI on a loan if is less than a month of no insurance. I requested a letter of confirmation (on my second 1 hr phone call with Allied) they stated they cant email that to me, but that BECU will send me the letter - 3 months later the credit is still nowhere to be found. On my last round of phone calls asking where the credit is - Suddenly Allied (the insurance provider) is not acknowledging my verification of insurance. They are stating I didnt have coverage for 42 days - WHEN I DID HAVE COVERAGE. Even though 1.) I clearly had insurance 2.) two previous phone calls they verified and confirmed the refund. At this point BECU is deflecting the charge (though they placed the charge on my loan) to Allied, and Allied wont issue the refund. Ive been with BECU over 20 years and this is literally criminal. In closing - there hasnt been any insurance losses claims or accidents - this is purely greed and Allied doesnt want to address it, BECU is allowing this to take place to their members.

  

  Business Response

  Date: 01/03/2024

  Please see attached for BECU's response to this complaint and the response is being sent directly to the complainant for their records. 

• Initial Complaint

  Date:11/15/2023

  Type:Service or Repair 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 11/10 my car was repossessed from ****************************************************************. I learned of the repo when I called the city, as I thought it was either stolen or towed for a parking violation. This was 11/11. I had made a payment on 11/9, but it wasn't applied to my acc. I was still past due, and I am not disputing the repo. My issues are as follows:1. As of this writing, I have not received the **** but I have been told the car will be sold on 11/20 if I don't pay the full balance. I asked if I could reinstate the loan. I was told no. My understanding is that CA law protects your right to reinstate the loan even after repossession, until the property is sold or otherwise disposed of. I tried to explain this to the ******** in **************** but all she would say is that redemption is required and that is final. I believe I have the right to reinstate the loan and get the car back.2. ******** also advised that I would be responsible for any deficiency owed after the car is sold. I let her know that I owe 18k on the loan, and the car is worth 25k and asked how I would get the surplus back if the car sells for market value. She couldn't understand the question and just told me I wouldn't get any money back. The car has ***** miles, but I replaced the ****** **** miles ago. It has a warranty for the next 4 1/2 years, and I asked that this be considered when/if it is sold. ******** said that is out of her control.3. I was told be the manager who called me on 11/13 that the 330 payment I made could be withdrawn at any BECU location. ******** told me I cannot access those funds. I asked to speak with the manager, and ******** got agitated and indicated there was no need to speak to the manager.This is happening too fast. I'm being misinformed and kicked around to different departments. I was able to get the auction date moved to 12/5 by **** in Col Mngmt. I'm asking that BECU follow CA law and ***** me my right to reinstate the loan.

  

  Business Response

  Date: 12/06/2023

  Please see attached for BECU's response and the response is being sent directly to the complainant for their records. 

  Customer Answer

  Date: 12/13/2023

  Hi,

  Sorry I missed BECU's response on the 7th. I received the follow up email today, and I just read their response. It appears their response is that the contract I signed supersedes CA law. I suppose I'll have to accept that, as I don't know that if that is accurate or not. Because they refused to reinstate the loan, bankruptcy was my only option to get the car back.

  I do take issue with one inaccuracy in their response - I had made a payment towards the loan on Nov 9th. It never posted to the loan account because ********************** has antiquated systems that don't enable a payment from another bank to post directly to the loan account. Instead I had to send the money via zelle from my primary account to the account ********************** had set up. Once the payment arrived in my account at **********************, I went online to transfer the payment from my account to the loan as a payment. This didn't work, as my past due loan amount had been deducted from my savings account "available" balance. The money is still there as "current balance", but not available. (see screen shot). This is a known issue at BECU, and the only work around is to call and have a person fix it for me. I realize I won't get this money back, but my hope is that someone at BECU sees this and fixes the problem, as I'm sure I'm not the only member who struggles with the unnecessarily difficult process of making a loan payment.

  At this point, none of this matters. I have the car and a bankruptcy on my record. I truly wish this could have been handle in a more humane manner. The LM people at BECU would benefit from remembering that customers who run into financial problems are human. Actually I'm sure they know that. They likely just valued a lump sum payment for the sale of the collateral tied to a very low interest (and therefore unprofitable) loan more than a relationship with a member who had been with them for over 10 years. 

• Initial Complaint

  Date:11/15/2023

  Type:Customer Service 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.

  I received a letter through the postal mail advertising your bank/branch in ********, **. I am not a member and I am not interested. There is nothing in the letter about opting out, so I went to your website and checked the privacy policy. I could not find an email address so I called. The lady I spoke to was not helpful and couldn't understand why I would receive mail if I'm not a member. She put me on hold and after several minutes of not returning, I hung up. I am not interested in your bank and I do not want you to send me mail or any type of communication.

  

  Business Response

  Date: 11/30/2023

  Please see the attached for BECU's response to complaint filed by *****************. The response is being sent directly to the complainant for their records. 

  Customer Answer

  Date: 12/04/2023

   
  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:11/09/2023

  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.

  Truck caught fire 2/13/2023, total loss. Had issues with insurance paying off. Informed BECU of the issues I was having with them. Hired an attorney. I took insurance off truck 1.5 months after incident as insurance never took it off. BECU started sending me letters in May saying *** would be added if we did not provide coverage. Called them 2 days after I received the letter and told them to remove it. I was still paying my payments on time. They wanted to double my payments from 600 to almost ****. Theyve reported me late on my credit reports for the *** I refuse to pay when Ive already been in contact with them multiple times for close to 30 minutes or more. Time and money wasted with these people. Ive been paying on a total loss vehicle for almost a year and they dont want to do their end and clean up their part. They are greedy and dont care. They hire people who have no idea what they are talking about and cant read notes. Ive gone in circles and can never get a straight answer. Its frustrating having to waste money on something I cant use and they still want me to waste money on something I cant even afford. I want my credit report taken care of. They have reported me as 60 days late which is not true. I have yet to pay October and that was due on the 19th so Im not even 30 days late. October payment would be paid by Nov 15th which would put me in good standing by the statement date. Ive had issues getting a new vehicle because of my credit because of BECU reporting me as late.

  

  Business Response

  Date: 12/07/2023

  Please see attached for BECU's response and the response is being sent directly to the complainant for their records. 

• Initial Complaint

  Date:11/06/2023

  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.

  I deposited a check into this bank. They took several weeks to verify it. They made all of the funds available to me for about three days and then they restricted my use of the check again. The lie or excuse that they are using to keep my money away from me is that they need more time to further verify the check. They told me that they need at least another week to verify the check. I told them to call the issuing bank (TD AmeriTrade) right now while I was on the phone to verify the check and they refused. Better Business Bureau helped me to receive this very same check from TD AmeriTrade about a month or two months ago. I deposited this check in BECU and after taking 2 weeks to clear the check, after making all of the funds available to me for about 3 days, they are pretending that the check didnt successfully and completely clear in order to keep me from using my own money. They are non-profit credit Union, and I hate to to think that they use tactics such as this to make money or steal money from their customers.

  Customer Answer

  Date: 11/07/2023

  Please consider these pieces of historical evidences pointing to malicious practices attributed to BECU (Boeing Employees Credit Union) from other customers.

  

  Business Response

  Date: 12/01/2023

  Please see the attached for BECU's response to the complaint filed by ************************. The response is being sent directly to the complainant for their records. 

  Customer Answer

  Date: 12/12/2023

  I am not satisfied with this outcome. I would like to move forward with my complaint. What are my options at this point?

• Initial Complaint

  Date:11/01/2023

  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.

  A BECU customer for several year I have enjoyed being able to get answers from local branch via email. Ususally Branch manager ********************* would get back to me with the info. However he won't anymore. I fail to understand Why BECU overlooks this important aspect of member services. I worked for a CU in CA and over there we put a lot of importance on email channel, usually getting back within 24hrs. Two question have "accummulated" I have not heard back on:- details on "free wifi" access in branch at FredMeyer which were changed and aren't human readable anymore - the rationale behind arbitratry Credit card transaction declines, which renders usefulness of the card to zero to me. It's not like actual fraud was prevented. Rather it's not very professional manner BECU operates on that regard I am sorry if *************** got offended by me putting it like that Being a former CU guy myself I just don't see you acting very professional here

  

  Business Response

  Date: 11/20/2023

  Please see the attached for BECU's response for this complaint. The response is being sent to the complainant for their records. 

  Customer Answer

  Date: 12/02/2023

  No not really resolved

  They did sent a reply although not in user-friendly way: they went to the length to ensure it's hard to get to it

  On the issue - they fail to explain erratic conduct on credit cards. The call it suspected fraud: Why? How?

  The problem,serious problem is: they advertise it as Credit card yet don't actually let you charge on it

  To me that looks like mis-advertising a product

  I would like to let other people know BECU has that issue, if they refuse to address the problem

  Thank you
  

   

  

  Business Response

  Date: 12/14/2023

  Please see attached for BECU's response and the response is being sent directly to the complainant for their records. 

• Initial Complaint

  Date:10/23/2023

  Type:Service or Repair 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.

  Becu allowed money to go into my acct that I was expecting then, after I spent some of it, decided that I am not who I say I am and they took all the money away. Despite me having my driver's license for them to see and verify my identity. My acct is over drawn 6k and they won't let me close it or anything. They lost copies of my driver's license and social security card and are saying they never had them. This is a gross violation of my rights as a human being. I cant pay any of my bills and I will lose my house if this doesn't get straightened out. Becu is full of s*** I have uploaded proof of my identity. I need that money back or im going to lose my house.

  

  Business Response

  Date: 11/14/2023

  Please see the attached for BECU's response to this complaint. The response is being sent directly to complainant for their records. 

• Initial Complaint

  Date:10/19/2023

  Type:Order 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.

  I took advantage of a 0% BECU balance transfer offer. Then, when I went back in a few months later to do another, it did not clearly say anywhere that the 0% rate was no longer offered to me. My new balance transfers not only accrued interest, but it caused my previous 12 mo. 0% transfers to be charged interest as well! I feel that this is predatory and unfair. I called as soon as I realized, and ******* on the phone declined to help me by fixing the situation. I wrote to them in August, but no one replied,a d it is now almost November.

  

  Business Response

  Date: 11/08/2023

  Please see the attached for BECU's response to the complaint filed by ***********************. The response is being sent directly to complainant for their records. 

  Customer Answer

  Date: 11/09/2023

   
  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:09/17/2023

  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.

  Its illegal to open a credit card without the consumer authorization - the truth in lending act is supposed to protect us. I had completely closed out my credit card - twice now. There was a fraud charge on my account for $6.80 on 8-17-23 for Amazon videos which is not a real thing. I called and spoke to **** at 1:47 pm on 8/21/23 who assured me she should close the account out completely and there would be an investigation. She also let me know a new card would be opened and not to worry about the charge. However, a new account was opened and the fraud charge was still placed on the new account. I was never informed this would happen and reached back out. Talked to *** on 8/25 at 8:45am and ***** later that day. Still confused I was transferred to ***** at **** who said she doesnt help and then to Shae at 959am even after I requested to speak to a manager. The refund for fraud was guaranteed by several BECU employees to be credited back to my savings account after the fraud investigation concluded because I paid the fraud charge (because they wouldnt remove it) and then closed my account with them. I did not want to have a credit card at BECU. This was done but now another card is opened 9/16/23. However, another credit card account has illegally been opened without my consent or authorization. Opening and closing cards will mess up my credit score that Ive worked for so long to get to this level. This is completely illegal and something must be done.I want my money credited back to savings and this card closed WITHOUT affecting my credit score - how is this possible? I never gave consent or signed anything for this to be opened. This was my third time closing an account. I have let them know I am contacting BBB. I want this illegally opener card closer yet again for the 3rd time without being reported and affecting my credit report and score.

  

  Business Response

  Date: 10/11/2023

  BECU research indicates on August 21, 2023 member contacted us and reported an unauthorized transaction on their **** card. A fraud claim was filed for $6.80 for a transaction from Prime Video Channels amzn.com/billWA that occurred on August 18, 2023. Due to the potential account compromise, member's **** card was closed and a new **** card was reissued. On August 25, 2023 member contacted us regarding the unauthorized transaction posting on the new **** card. Member were advised that the transaction was transferred to the new **** card while the fraud claim was being investigated. Member expressed that they were not informed of this process, and were concerned that the unauthorized transaction may remain on the account. Member requested to close the **** account; therefore, the representative assisted the with paying off and closing the **** account per the member's request. On September 14, 2023 we concluded the investigation and the claim was honored, the total amount of $6.80 was credited back to the closed **** card. On September 20, 2023 the amount of $6.80 was transferred from member's **** card to their savings account. Regarding member's claim that BECU opened an additional **** card on September 16, 2023 without their consent, according to our records your **** account was closed on August 25, 2023 and there have not been any new BECU **** accounts opened since that date. 

  The response is being sent to the complainant for their records. 

   

  Customer Answer

  Date: 10/17/2023

   
  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. According to the last rep I spoke to, she said that this was not a new card even though it shows on their website as a new card. She said it shows that way just for the credit but will not affect my credit score. As long as this is true, I am fine closing this complaint.
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:09/15/2023

  Type:Service or Repair 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.

  * Unauthorized $1895.52 charge by Camping World * H323639323****9393736H **** credit card ending in **** * The bill is in my 2023 receipts envelope * Original deal was that Camping World would sell my ** on consignment and I would pay $1895.52 for parts * I then decided to simply sell them the ** at a much reduced price but they were to pay for the parts * However, they still charged my H323639323****9393736H **** card for the parts on 11.9.22 * The person I had worked with left Camping World and I received the run-around when I called and tried to remedy the issue * I called H323639323****9393736H shortly thereafter to dispute the charge * I then had many conversations with H323639323****9393736H * Ultimately, many months later, H323639323****9393736H wrongly denied the dispute claiming I untimely reported the issue * That is simply wrong as I called H323639323****9393736H within a few days of receiving their bill with the charge

  

  Business Response

  Date: 09/21/2023

  BECU research indicates on February 7, 2023 member  contacted us and filed a **** dispute for a transaction from November 11, 2022 for $1,895.52 from Camping World RV. We have thoroughly reviewed the member account and did not find any records that they filed a **** dispute for the transaction in question prior to February 7, 2023. We can confirm that BECU followed the proper **** dispute process in this case and there were no BECU errors that occurred. Based on the research, the dispute was not filed in a timely manner and the additional information requested was not provided in a timely manner, therefore, the dispute was declined, and no funds will be credited to the member for this claim.

  The response is being sent directly to the complainant for their records. 

  Customer Answer

  Date: 09/27/2023

   
  Complaint: 20612461
  
  I am rejecting this response because: BECU is wrong when they say I was untimely. I first contacted them about the transaction by telephone in November not February. 

  Sincerely,
  
  *****************************