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First Community Credit Union
- Credit Unions
- Chesterfield, MO
About this business
Open Sundays At Wal-Mart Most Branches First Community Is A Full Service Financial Institution Offering Money-Saving Products And Services. Locations: Creve Coeur - 10950 Olive Blvd. O'Fallon, MO - 3440 Highway K Chesterfield - 17151 Chesterfield Airport Rd. St. Charles - 2651 Old Muegge Rd. Fenton - 102 Kate G. Lane(Gravois Bluffs) Baumgartner - 5496 Baumgartner Rd. Ellisville - 15715 Manchester Rd. Eureka - 995 W. Fifth Street Kenrick - 7435 Watson Rd. Lake St. Louis - 6100 Ronald Reagan Blvd. (Inside Wal-Mart) Maplewood -... read more
Location details
17151 Chesterfield Airport Road, Chesterfield, MO, 63005, United States
Get directions| Weekday | Schedule | Status |
|---|---|---|
| Mon | 9:00 a.m. to 6:00 p.m. | |
| Tue | 9:00 a.m. to 6:00 p.m. | |
| Wed | 9:00 a.m. to 6:00 p.m. | |
| Thu | 9:00 a.m. to 6:00 p.m. | |
| Fri | 9:00 a.m. to 6:00 p.m. | |
| Sat | Closed | |
| Sun | Closed |
Spent 2 hours on phone and chat today before receiving a resolution. Representatives from FCU were unable to accurately explain the nature of a deposit (called it a check, it was a cash deposit) or the correct amount of the deposit. Despite not understanding anything about the deposit, the institution still levied fines on it.
Business response:
We regret the initial confusion and delay in explaining the circumstances surrounding your recent deposit. Being as this deposit was placed into a non-First Community ATM, it was subjected to a hold until we received reconciliation from the depositing institution. Once we were able to connect you to our ATM department we could clarify this along with the confusion regarding the deposit indeed being cash. In order to further explain this we provided our Member Service Agreement along with our Funds Availability policy. Thankf... read more
<div id="ctl00_cMain_cr2_txt_pv2" class="rmpView"> <div class="card card-default card-inversed"> <div class="card-block"> This is the worst company to work with. I'm pretty sure they commit fraud on a daily basis. Yes, we have gotten behind at times, but everything is caught up and has been. All of a sudden a repo man shows up to take the vehicle. They will mark payments on time to your credit then turn around and say you missed a payment from 2 years ago and start giving you bad marks. Even though you have documentation, th... read more
Business response:
Every month, numerous letters are mailed and phone calls are made to make members aware of any delinquencies that *** be present on their accounts. Repossession is commonly the last resort to resolve an account when payments are not made according to the contract and we are unable to establish a workable arrangement to keep the account in good standing. All credit reporting is done with fairness and accuracy according to The Fair Credit Reporting Act and if there are any discrepancies showing, they *** be disputed, in writin... read more
The incompetence I am dealing with is astounding. I can't get ahold of the fraud management to deal with my case. I have a woman assuming me of funding terrorism or tracking, blocking me out of my checking account, and ignoring the facts that are in my account making a bigger deal about my situation than it has to be. she is arguing with me with the facts demanding I am suspicious. with no evidence, I have nothing to hide but having a woman like Amanda searching my account I am worried I'm getting crazy Karen vibes. this is ... read more
Business response:
This member was contacted directly by First Community management on 7/13/21 prior to the notification that this review had been submitted. First Community had evidence that a series of transactions that he was attempting on his account were associated with an online scam. Protecting members from scam related losses is a primary concern for First Community but that takes member cooperation as well. First Community started an investigation on 7/12/21 after determining that there was a strong likelihood that he was a current vi... read more
My husband was trying to purchase a car so he called First Community to get an auto loan. He already had one through First Community but it was a total loss and we’re waiting for the insurance to pay off the vehicle. He had a recent loan open so they didn’t need to pull his credit but they informed him that he didn’t get approved for the total amount and a co-signer would help so I gave my information. The rep runs my credit and we get approved. Immediately after she tells us we’ve been approved she then proceeds to tell us ... read more
Business response:
The husband did call our Lending department on 5/3/2021 to apply for an auto loan. He was told that he could not be approved for the full amount and that his current auto loan would need to be paid off in full. He was also told that he could add a co-signer to try for the full amount. He then told the representative he wanted to add his wife as a co-signer and he put her on the phone. The representative took her information for the application and asked her if we had her permission to pull her credit report, and permission w... read more
I guess working for ******* *** for so many years, perhaps I was spoiled in a sense with being exposed to good customer service and working for a company that valued their customer and took the time to train their employees. This does not appear to be the case with First Community Credit Union. I called today to inquire about three fraudulent charges on my account and I was told the following: 1. I had to call the company from where this fraudulent charge derived to close my non-existent account; 2. I had to pay the bank (Fi... read more
Business response:
We sent unauthorized ACH forms for the member to sign to be able to reimburse the member on 2/2/2021. The forms were signed by the member and the credit was processed on 2/8/2021. We have up to 10 business days to investigate and provide provisional credit. We do not place holds on US Treasury checks, unless people deposit them into an account not owned by the payee. We contacted the member to attempt to identify the check and payee and we were not able to make a determination.
First Community has sent a letter to it's members MANDATING "Arbitration of Claims & Disputes and Waiver of Class Action provision". The two most important reason this is unacceptable behavior is, 1st this mandate of policy is NOT legally enforceable. A person's legal rights to due process can not taken away. 2nd any company attempting to tell it's customers it does not have the right to due process often knows they are guilty of some malfeasance for which they are almost certainly going to be sued. The instructions to "opt ... read more
Business response:
We contacted this member directly and spoke with him on 2/26/21. After listening to his feedback on this matter, we explained our rationale for adopting an arbitration clause and class action waiver while also giving more context related to his concerns. We have added him to our opt-out list and gave him a direct line to someone at the Credit Union who is able to assist with any concerns he may have in the future.
Frequently asked questions about First Community Credit Union
How is First Community Credit Union rated?
First Community Credit Union has a 2.1 star rating with 236 reviews.
When is First Community Credit Union open?
First Community Credit Union is closed now. It will open on Monday at 9:00 a.m.
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