St Louis Community Credit Union
reviews and complaints

i have inquired several times in regards to a personal loan for the bank. i have had several loans with the back and have paid them off without any missed payments. when applying for the loan they ask a lot of questions that arent needed and invading personal matters. i have shown great payment history with the bank. when applying to the personal loan i get denied but dont have any real reasons to deny, the rep advises they dont know why i get denied when i have paid off several loans without any missed payments. i was advised they approve based off who submits the loan to the under writer ( favoritism) i have been with the bank for years

My car, Dodge Charger 2014, was totaled out 2. USAA then paid the remaining balance. When I was inquiring about the GAP insurance (Frost ***), they told me that I was charged for not having insurance in 2019 and 2020 and these fees were added to my auto loan, charging me in error. The total refund due is about $3335.00. I have reported this to the Credit Union (Acct ***) and while they say they are working on it but told by an employee I would be refunded $300ish dollar. I have always had insurance, see attached for proof. My supporting documents will show that I have had that vehicle insured since 2019 up until the account was closed.

I was recently a victim of fraud my checking account was charged 5x for the same balance from a company I never heard of or used I don't understand how the stlcc fraud team was not able to distinguish that this was fraud never purchased anything from the company that withdrawn my money 5x when asked why it was detected the fraud team said it was charged different times and gaps in between when asked the bank teller what time was the charges they were within a minute apart and the teller than escalated to her supervisors after seeing they were a minute apart stlcc told me I had to wait til the transactions stop pending in order to dispute when they fraud team should've protected my account and those transaction should've been flagged as fraud

Hi, So I spoke with a few reps about this situation and I haven't received a call or an update on the matter. I am complaining because I wanted to close my account with the branch and it seems as if my account has not been updated. I mailed the letter through *** and the tracking number shows the package was deliverd. I was told I owe an $80 balance and that I would need to write a letter and send a cashier check to the branch (West Florrisant location). I did that. I signed the check and I signed the letter I typed up. That was over a month ago. I am closing the account becasue I no longer live in Saint Louis. I want to open a secure credit card with the new branch I am with, but I can't due to this situation with STL Community. Each rep I speak with says the will pass along whatever notes to the branch, but I don't hear back from anyone. It's been well over two weeks now and still nothing. I attached a photo showing that I sent the check to the correct location.

I bought a 2008 BMW and our loan is from them and it was supposed to be financed for 75 months. About two years through the loan we got in a real bad car accident. We had insurance, ***, that made payments for us while we were unable to. We also utilized one skip a pay in June . The car was to be paid off in June . They are wanting us to make six more monthly payments and claiming that we utilized skip a pay three times. We have asked multiple times for the paperwork documenting that we skipped three payments and they can't produce it. They keep showing my signature from a different document. I have been trying to get this resolved for about eight months now and I keep getting the runaround. We would like to meet with them to get this resolved. They want us to pay until December and that is not right. We need our title so we can get our plates renewed. I called and spoke to Andy who said they would wave late fees, however, we were never late on payments.

On November 16th I did a mobile deposit in the amount of 758.00 166.00 was available at the time the remainder was to be released on the 18th. I called to find out why the amount was on hold. I was told that my payroll check was a problem because the company checks where returned and that they would extend it out further to it clears and that none of the funds would be available. I hung up called back and was told that it was extended out again because the system and its out of their control. I contacted my employer a global company I may add that said no issues on their part and that the check cleared on the 16th. The hold is not the problem but why is a payroll check on hold for two weeks. I went in to a branch who called the processing center and was told that Lisa the person in charge made special notes on my account to have my funds held until the 26th of November which does not make sense. I would like to speak with Lisa and Shakenna's hire up to explain to me why this is happening.

My wife had been a customer of this credit union for many years and live in the City of St. Louis. Over 2 years ago, we were married and we moved to Ballwin, MO. Since the CU was so far away and there were no branches near us, she and I opened accounts and another CU. She maintained the account; because, her daughter was away at college. It was a way to get money to her if she needed it quickly. She also kept a Freedom Loan account open with no balance. Her last checking account transaction was 10/18. Since then, the account has gone dormant. Her daughter has finished college and she decided to close the account. She called the main number and asked to close the account. They said she had to go to a branch to close the account, and she had a zero balance on both accounts. We drove 30 miles to the closest open branch on 3/24. She was then told that her accounts had already been closed and the account had a $50 write-off for an annual fee charged to the Checking account; apparently, for the ability to keep the unused Freedom Loan account. The write-off occurred on 11/5. A derogatory report was concurrently sent to ***. First, she should have been told at the corporate office that here accounts were already closed, which would have prevented us from going out during the COVID-19 pandemic shelter in place order. Second, there was no notification of the write-off action before or after taking the write-off action. Her address is correct with the institution. Finally, when asked to reverse their action, they refused. The fact that such a charge was made on an account that was inactive for so long without prior notification is greedy and unethical.

My husband was laid off due to COVID19. St. Louis Community Credit Union, like other organizations offered to allow us to skip three months on our truck payment. The next payment was due in July. In June I began paying partial payments of $145. At the second payment I noticed that the total due had not decreased. I called the bank after staying on hold for over an hour, when I reached a representative, I explained my concern then she transferred me without explaining why or where. I called back a few days later and did not get through. I then paid the third installment at which time again nothing was deducted from my amount due. I called back and spoke to a bank representative and she indicated that once I make the full payment then the interest and everything would recalculate and show the accurate interest rate. I then paid the 4th payment which bought the total paid to $580, the truck payment is 568. The total owed on the loan decreased by $20. St. Louis Community Credit Union charged me $560 in interest. The idea to skip the payment was not to create an added financial burden. At no time during the paper work and explanation was it stated that I would paying double the amount of interest. I emailed and received no response. I called back and spoke to someone who eventually indicated that Andy would give me a call. Andy called I explained the situation, he agreed that he would have questioned the same thing. I also shared that I had postponed my other car payment with another lender and they did not price gouge me with interest, my payment resumed as if I had not postponed. Andy indicated that the other lender must have done something in their system so as to not charge me interest. I am paying 560 interest. Andy indicated that he would need to call me back. He did not call me back, I had to call back Monday to which I left a message and he called back and said that the only thing he could do was give me a credit of $145. I shared with him that was not acceptable as they were still charging me over $400 in interest. Plus I would still be paying interest on all upcoming loan payments, thereby paying interest twice on the same vehicle. He did not care. Just think how many other lenders that they may have done this too. I have a fairly low interest rate. The bank is throughout poor and underserved communities, they are taking advantage of our misfortune.

St. Louis Community Credit Union *** financed me a loan of $ 13,003.00 on 11/12 when I purchased my 2018 Nissan Sentra from ***. At the time I had to obtain full coverage insurance before pulling the vehicle off the lot, so I obtained full coverage insurance through the sister company of *** ( *** on 11/12 that was effective immediately, with a deductible of $ 1,500 with deductable 25,000/50,000. This proof of insurance was sent from *** to St. Louis Community CU on 11/12 along with a loan agreement. Then on 4/21, there was an amount of $ 2,265.00 (now $ 3,000 )that appeared on my account and increased my loan balance to $14,943.60. I contacted St. Louis Community CU and was told this was the cost of "forced insurance" because I failed to obtain full coverage insurance. After getting the run around from St. Louis Community CU for weeks and faxing to them my proof of full coverage insurance. They still refused to remove the forced placed insurance. I spoke with an assistant manager by the name of *** in Member Care *** on 7/17, who stated that it is there a policy that the full coverage insurance has to be $1,000, not $1,500, however, I was never told that information. And when looking through my paperwork *** discovered that that amount was never filled in on my Supplemental Provision form ( see attached forms). So I am paying for full coverage insurance plus forced insurance, that should have never been placed on my account. On April 24th I was involved in a non-fault automobile accident in which my 2018 Nissan Sentra was declared a total loss and the settlement amount of $ 9,632.50 minus my deductible of $1,500. I also spoke with *** several times, who is also in member services and was told they I needed to speak with ***( supervisor) and to call *** in regards to this forced insurance and was told by them that it was not *** that was holding the progress but it was indeed St. Louis Credit Union that could have waived the forced insurance amount in total because I had full coverage insurance. I finally spoke with a manager at St. Louis Community CU by the name of *** in Member Care [protected] on 7/20 and was told that he will only take off a 1,000 dollars and not the full amount of $3,000. Again, *** informed them that all they would have to do is waive this $3,000 because I did have full coverage and I was never made aware of this. I have learned now that St. Louis Community CU has done this to several members, and they have not filed a complaint. This credit union can not continue to get over on vulnerable customers. I am 24 and I believe that they looked at my age and just feel like they can get over on me. *** (manager) is now demanding that I pay on this 3,000 dollar loan or he would report it to a collection agency and my credit report and force me to pay. I would like this corrected and the full 3,000 dollars to be removed off of my loan. None of this is fair to me.

I received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property saying that Saint Louis Community Credit Union will sell the 2018 Nissan Sentra at a private sale sometime after 07/30. Prior to a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $ 25 dollars just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I obviously had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I really feel that I am being taken advantage of because I am so young. Regards,*** # *** received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $ 25 dollars just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I obviously had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I really feel that I am being taken advantage of because I am so young. Regards, *** # ***I received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $25 just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I feel that I am being taken advantage of because I am so young. Regards, *** received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $25 just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I feel that I am being taken advantage of because I am so young. Regards, *** # ***I received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $25 just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I feel that I am being taken advantage of because I am so young. Regards, *** # ***I received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $25 just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I feel that I am being taken advantage of because I am so young. Regards, *** # ***I received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $25 just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I feel that I am being taken advantage of because I am so young. Regards, *** # ***I received a letter on July 25, dated July 20, of a Notice of Application For a Repossession Title, and a notice of a plan to sell the property. Before a conversation about my ComplaintsBoard.com complaint with *** (member care member), he stated that some of my allegations were false, in particular, my complaint on the intension to collect on debt on my 2018 Nissan Sentra S SV SR, That was involved in a non-fault accident on 04/24 and the vehicle(2018 Nissan Sentra) was considered a totaled loss by *** on May 5. (claim number ***). *** stated that the conversation to collect a debt and the threat report me to the credit bureau never came up however I received a notice on 7/19 Notice of past due to payment which stated that 06/27 payment in the amount of $ $303.27 was 22 days past due and a late charge of $15.16 was added. It stated that previous efforts to obtain payment have been unsuccessful and if I would like to discuss the matter to call, and I did several times and informed ***, ***, and *** that this car was declared a total loss by the above-mentioned insurance company. The notice went on to state that We may report this to credit bureaus, late, missed payments, or other defaults that may be reflected in your credit report. Then on 07/25, I received another letter/notice from you dated for 7/20 stating that we have repossessed the reference collateral ( account number ***) loan note number ***, date 11/12 because I have broken the promises in our agreement and would charge me $25 just for calling and asking questions about this notice. I sent an email to *** asking for an explanation on how I broke my promise on a car loan that you ( ***) and your assistant manager at St. Louis Community Credit Union was made aware of the total loss. The above-named vehicle has been out of my possession because *** had it towed by ***. Yes, ***( member care manager) finally removed the $ 2,265.00 that was forced on my account for no full-coverage (after I filed the previously compliant ***) when I had full coverage through ***, and I appreciate that. So what amount am I paying on exactly? The settlement amount that *** is paying off? I would like to know if *** and Saint Louis community credit union is attempting to double collect on the above-mentioned loan? I have informed *** and St. Louis Community Credit Union, that I have forwarded all documentation and your notices to my attorney and have filed numerous complaints. My credit is very important to me and I feel that I am being taken advantage of because I am so young. Regards