Credit Union
DATCUThis business is NOT BBB Accredited.
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Complaints
This profile includes complaints for DATCU's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 11 total complaints in the last 3 years.
- 5 complaints closed in the last 12 months.
If you've experienced an issue
Submit a ComplaintThe 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:03/19/2025
Type:Product IssuesStatus: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.
It is Affecting my Credit historyBusiness Response
Date: 03/24/2025
DATCU does no respond to public sites regarding private information. Please contact our research department for assistance.Initial Complaint
Date:03/18/2025
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
I am filing this complaint because my credit report contains unverified accounts that I do not recognize. These accounts have been added under my name without my authorization, and I strongly suspect they may be linked to a data breach or fraudulent activity. This is a blatant violation of my consumer rights under the ****, and I demand immediate action.The following account(s) require verification:Company Name: DATCU CU - Account #: ********** - Balance: $4,032.00 Despite my repeated attempts to obtain verification, I have not received any legitimate proof that these accounts belong to me. This failure to provide transparency is a direct violation of the **** (15 U.S.C. 1681g). I am demanding full documentation proving the validity of these accounts, including original account applications, signed agreements, or transaction records. A generic response stating that the account has been "verified" will not be accepted.If no such documentation exists, these accounts must be removed immediately under FCRA Section 611(a)(5)(A)(i), which mandates the deletion of unverifiable information. Additionally, I am filing a formal complaint with the Better Business Bureau (BBB) against the reporting company for failure to provide proper documentation proving the validity of the reported account. Their refusal to supply supporting records and failure to conduct a legitimate verification process are clear violations of federal law. I expect an immediate investigation and a full response addressing this issue.Business Response
Date: 03/24/2025
DATCU does not respond to public sites regarding private information. Please contact our research team to have this matter resolved.
Initial Complaint
Date:12/06/2024
Type:Billing IssuesStatus: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.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed ************************** CU ACCT #: ********** ***. $4,032.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 12/09/2024
DATCU does not respond to public portals regarding issues. Please contact us directly and we will be happy to assist.
Regards.
Initial Complaint
Date:08/22/2024
Type:Billing IssuesStatus:AnsweredMore info
Complaint statuses
- Resolved:
- The complainant verified the issue was resolved to their satisfaction.
- Unresolved:
- The business responded to the dispute but failed to make a good faith effort to resolve it.
- Answered:
- The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
- Unanswered:
- The business failed to respond to the dispute.
- Unpursuable:
- BBB is unable to locate the business.
The credit union authorized their recovery firm to deliberately damage my vehicle during the process of recovery of my vehicle. Also, the recovery firm did not return all of my personal property that was in the vehicle during the recovery of the vehicle. Please refer to the related documents, correspondences, photos, etc. that were submitted to the credit union.Business Response
Date: 08/22/2024
This dispute has already been addressed by regulators, and legal counsel. We will not respond as directed by our attorney to avoid further litigation.Customer Answer
Date: 08/26/2024
I stand by the facts and photographic evidence and documents as provided in my complaint. The Credit Union did not conduct or authorize an independent thorough investigation into how this recovery process was conducted and mishandled. Especially, including the extensive damage deliberately done to the vehicle, as well as not returning all of my missing personal property that was in my vehicle. The Regulators did not substantiate the credit union's proper handling of this matter. The Texas Credit Union Department actually referred me to the BBB and the Attorney General's of *********************************** in order to file the appropriate complaints.Customer Answer
Date: 09/10/2024
From: ****** ****** <********************************>
Sent: Monday, September 9, 2024 9:33 AM
To: Complaints <*************************************************************************>
Cc: ***********************; ********************************** ***************** ***************** Complaints <*************************************>; *************************************** *****************************************************; ********************** ************************************* ********************************* *********************************** *********************************** ************************************ ************************************ *********************************** ******************************** ************************************ ************************************* ************************************ ********************************** *********************************** ********************************* ************************************** ********************************* ********************************** ******** ***** <***********************************************************>; *** ****** <************************************************************>; ************************************** ***** ****** <************************************************************>; ***** ******** <**************************************************************>
Subject: Watch "July 3, 2024" on YouTube************************************************
YouTubeShare your videos with friends, family, and the world********Re: BBB of NCTX Complaint Number ********; Formal Request To the Credit Union Department of *****, the **** and a "renewed" request to the ****** Area Teachers Credit Union to place this document, video recording including the related photographs that were previously submitted in the ****** Area Teachers Credit Union Public Comment Files
Respectfully Submitted,
****** L. ******
Complainant
Business Response
Date: 09/10/2024
This dispute has already been addressed by regulators, and legal counsel. We will not respond as directed by our attorney to avoid further litigation.
No further communication will be made regarding any subject matter pertaining to this individual per legal advice.
Initial Complaint
Date:04/17/2024
Type:Service or Repair IssuesStatus: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 received hail damage to my truck on 01/24/2024, my insurance company sent me a check along with a detailed breakdown of the damage and repairs they would pay for. DATCU refused to endorse the check and mail it back; they stated they would use it towards the loan payment. First: Im two months ahead on my loan payments. Second: I explained the check needed to be endorsed and mailed to the collision repair company like the check was intended for. The collision repair company ****************** ******, **) has made numerous calls to DATCU since 04/10/24 to have the insurance repair check mailed to them, they also faxed over a copy listing all repairs they made. I just stopped by the repair company and we called them together and DATCU claims they mailed a check directly to me last week; which is a complete lie; please see the date and time on the pictures Ive attached. I just checked my account and the insurance money is in fact still sitting in my savings account. The collision repair company needs the money in order to release my truck back to me. This credit union has very unethical business practices.Business Response
Date: 04/18/2024
DATCU does not discuss private matters on public forums. If you will please contact us we will be able to further assist and discuss this matter.
Regards,
***************************
Compliance Officer
Initial Complaint
Date:11/01/2023
Type:Billing IssuesStatus: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.
To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DATCU CREDIT UNION ACCT #: ************* BAL. $3,695.00 Under the Fair Credit Reporting Act, 15 U.S.C. ****g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.Business Response
Date: 11/01/2023
BBB is not the correct forum to discuss private information. To submit a complaint or dispute please visit www.datcu.org to find proper complaint processes.
DATCU will neither confirm nor deny you have an account on public forums.
Sincerely,
DATCU Credit Union
Initial Complaint
Date:10/18/2023
Type:Service or Repair IssuesStatus: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 October 16, 2023 I filled out an application online to open a checking account. I did not request any type of overdraft protection or line of credit. A hard pull inquiry was made to my credit. Why a hard pull instead of a soft pull? A hard pull is used for opening a credit account which I did not. There is not reason to do a hard pull when a line of credit is not applied for. There is also no disclosure that a hard credit inquiry will be made only "We will use the information you provide to verify your identity, authenticating it against information contained in your credit file with a Credit Bureau. We will also use your information to verify that your application qualifies for membership by using the ChexSystems database. If we determine that you do not satisfy one or more of these requirements, you will be unable to complete your application." A hard pull affects credit and is not needed when not applying for a line of credit and a soft pull would verify identity. I have never had a hard pull for opening a checking account and conducted business with many financial institutions. I have excellent credit and work hard to keep it that way. I canceled my application for a checking account and will take my business elsewhere.Business Response
Date: 11/02/2023
DATCU does not respond in details regarding possible membership activities or issues. This is a public forum and we strictly respect the privacy of all persons and operations.
If you have a compliant or need assistance regarding any matter, please visit www.datcu.org, or visit any of our in person branch locations.
Regards,
DATCU
Initial Complaint
Date:12/30/2022
Type:Billing IssuesStatus:UnansweredMore 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 today I contacted datcu after attempting to make a payment on their website and mobile app for tomorrow and due to it not being a business day it won't allow a payment. I understand the holiday and business days but as a consumer I should be able to make a payment any day. This company is cheating customers and charging extra interest because they don't want to accept payments on certain days. This is unfair to consumers and this need to be looked into for best practices because this is fraud.Initial Complaint
Date:09/30/2022
Type:Product IssuesStatus:UnpursuableMore 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.
They charged me with overdraft fees after I asked multiple times to stop overdraft protection, also they charged me without actually paying funds to the company trying to collect the debt. This all happened because I tried to change my bank account with ****** from Datcu to **************** but the charges kept coming into my old account which had little money in it, and I thought I had canceled overdraft protection (I had asked numerous times). I did not realize I was being charged until I saw the email from ****** about the debits being rejected. The fees total $256.
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