Complaints
This profile includes complaints for San Diego County Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 51 total complaints in the last 3 years.
- 13 complaints closed in the last 12 months.
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Initial Complaint
Date:06/16/2025
Type: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.
To Whom It May Concern,
I am submitting this formal complaint regarding the business practices of San Diego County Credit Union. I believe their actions were misleading and unfair, resulting in the wrongful repossession of my vehicle.
On or around 5/14/2025, I had a phone conversation with a representative from SDCCU regarding my car loan account. During that call, I made an effort to communicate my situation and hardship I’ve been experiencing and was under the impression that I would be given time to bring the account current or that some form of temporary arrangement or consideration was being extended. I continued to make partial payments during this period, showing good faith and effort toward resolving the situation, which those payments were being accepted by SDCCU. The amount needed to bring my account current was $415 I had made partial payments that totaled $219 my schedule monthly date payments are on the 8th of every month. I was planning on submitting another payment of $200 on 6/5/25 to bring my account back on track. June 5th approximately around 11:30am a tow truck was at my residence and had hooked my car and driver addressed that he was instructed from SDCCU to come repo my vehicle. I was shocked and confused by this action, especially considering that I had been in contact with them and continued submitting partial payments. To make matters worse, I left a voicemail for a manager the same day the vehicle was repo, requesting a call back. I did not receive a response until approximately five days later 6/10, three of which were regular business days but only because I had submitted a complaint to CFPB regarding what had happened. I spoke with Chandra Sykes Lewis which she claimed that she was one of the managers handling my file. She mentioned she was out of the office 6-5-25, which is understandable but being that she was 1 of the managers I still didn’t get a call from the other(s) managers. On that call she was not making any effort to help.
Business Response
Date: 06/17/2025
Please find the response for complaint #23473222 attached.Customer Answer
Date: 06/20/2025
Subject: Complaint Update – Wrongful Repossession & Delayed Notice
Thank you for responding to BBB Complaint #23473222. I am updating my complaint to include serious concerns about how SDCCU handled the June 5, 2025 repossession of my vehicle.
On May 14, I made a payment arrangement by phone to bring my account current within 2–3 weeks. I followed through with three partial payments and planned to complete the balance by June 6—one day after the vehicle was repossessed. This appears to violate our agreement and showed bad faith, despite my active effort and communication.
I left a voicemail the same day requesting a callback, but no one responded until June 10—after I filed my CFPB complaint. On June 5, I was told the total payoff would be available the next day, but it was not provided for 13 days, leaving me unable to act or reinstate the loan. I was then given only 5 days to respond, with no flexibility. This delay was unfair and caused undue hardship, as I had no transportation for work or groceries.
On June 20, I received a “Notice of Intent to Dispose” dated June 13—but it arrived after the listed deadline, violating California Commercial Code § 9614, which requires reasonable notice before disposition.
Additionally, on March 31, I experienced potentially harassing behavior when SDCCU both called and sent someone to my home on the same day—raising concerns under California Penal Code § 653m and the Rosenthal Fair Debt Collection Practices Act.
This situation has caused significant hardship and disrupted my ability to work and care for my family. I respectfully request CFPB and BBB assistance to investigate these actions, pause the vehicle’s sale, and hold SDCCU accountable for any violations.Business Response
Date: 06/26/2025
Please find the response for complaint #23473222 attached.Initial Complaint
Date:11/20/2023
Type: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.
Page 1 - On the Notice of Debit Card Overdraft Service Letter, dated 5/8/23, the available balance on my account shows as $-286.11. The statement shows as $-181.38. I would like to see the transactions that made up the balance of $-286.11. This does not reflect on my statement. There was also a card charge at Venmo for $30.00. Status shows as paid with no overdraft fee charged. On page 2- I was charged a $32.00 fee. The Statement shows a $30.00 transaction with a $32.00 overdraft fee.
Page 2 - Statement shows transaction on 5/8 from 7-Eleven in the amount of $1.64. There was an overdraft charge in the amount of 32.00. Statement balance was $-34.44.
Page 3 - On the Notice of Debit Card Overdraft Service Letter, dated 5/8/23, the available balance is $-201.57. I would like to see the transactions that made up the balance of $-201.57.
Page 4 - On 5/7, There was a transaction at ****** ***** ***** for $67.32. Balance shows at $75.18.
Page 5 - On the Notice of Debit Card Overdraft Service Letter, dated 5/7/23, the same transaction at ****** ***** ***** for $67.32, shows as paid with a $32.00 overdraft fee. The balance on the letter also shows as $6.73, with an available balance of $-128.40. My account was not in a negative status at this time. I would like to see the transactions that made my account $-128.40.
Page 6 - On the Notice of Debit Card Overdraft Service Letter, dated 5/8/23, the available balance on my account shows as $-167.93. The statement shows as $-0.80 (Page 4). I would like to see the transactions that made up the balance of $-167.93. This does not reflect on my statement.
Page 7 - My available balance on May 8, 2023 was -95.28. The current balance was $23.34. There was also a check deposit on hold for $98.26. There were two pending withdrawal transactions displayed at the time. The two pending transactions were for $13.89 and one for $6.47. None of it balances up. I would like to see the transactions that made up this balance.Business Response
Date: 11/24/2023
Please see the attached response letter for complaint #*********
Thank you
Customer Answer
Date: 11/29/2023
Are you going to answer any of the questions that were asked on the complaint? You did not answer 1 single question. Are you going to provide the documentation that was requested? It really doesn't matter how many overdraft fees I had. Half of the overdraft fees that were charged to my account were because of your company. I have all the documents to prove it. Can you prove that it's not? Math is still math and Math doesn't lie!! It still doesn't add up. Why can't you print out a few documents and show me the transactions that made my balance more than $200.00 in the negative? Once you prove to me that I am wrong, I will leave your company alone.
Also, I provided a picture, of what my balance was. It is numbered document 7. Are you going to provide me with the transactions that made up that balance?
Please answer the questions that I asked on the original complaint and provide the documentation.
Business Response
Date: 12/07/2023
Good Afternoon,
Please see the attached 12-7-23 response letter and attachment to BBB ID ********* re: ******** ***** *********.
Thank You
Customer Answer
Date: 12/13/2023
Are you kidding me??? What is wrong with you?!?!? I can't believe you are sending me a letter telling me that your establishment subtracted a deposit that was on hold and that's why the balance is negative!! You're not even trying to fix it. This letter is actually is insulting and sounds like you think I'm stupid. I'm 1000% sure that's not how banking works. However, the letter makes it sound like this is the standard practice for SDCCU. Why are you SUBTRACTING a deposit that is on HOLD? It's a deposit, not a withdraw!! Money that is on hold can't even be touched by the customer. Is this what you do with all deposits or just mine?
My mind is blown! So basically, I deposited a check in the amount of $323.26. Only $225.00 was added to my account because of the check hold in the amount $98.26 (the transaction summary shows this). Then you subtracted an additional $98.26 from my balance which put my balance at $-95.28. If you did this to my account, then there are others!!! You have the audacity to add in the letter that you consider this case closed unless I have new information. I cannot believe you would write a letter like this and then upload it to the BBB website.
Initial Complaint
Date:04/03/2023
Type: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.
13 yo son worked his first day. Paid cash. He took Greenlight debit card to SDCCU ATM in ********.Deposited $80 Into atm. Receipt says invalid. Money never went on his card or returned. Our mistake, guess he cant deposit with greenlight. We didnt know. Went inside. Manager inside said can't help u, u need to call greenlight. We Called Greenlight. They said it's SDCCU PROBLEM. called Sdccu. They said greenlight problem. Sdccu Then said go to ******** branch Where we were initially refused help. The branch is 90 miles round trip. Sdccu said they are NOT willing to help us... so, my sons $80 is at bank atm but its gone. Wife and I have been with sdccu for over 10 years. Then this branch steals $80 and ****** from customer support declined to help.
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