BECU Arvostelua 

Continually giving me wrong information and bad advice. They told me to overpay my loan to them into one account and it would pay the other account with the overage and so far every single month they call me saying I haven’t made my payment. They have no clue what thay are talking about.

So, I have been having some serious issues in my life recently. In between it all there are some small lights that shine from the few and in betweens that need recognized. I had a claim from my insurance company due to an auto collision that wasn't handled well. And while I was waiting for any response from BECU on their side for my loan being paid off, I realized it's been way too long since my check has been cleared to pay off my loan. Basically, I was still paying for a car that, not only did I not own anymore, but you (BECU) 100% had the check for. I have a really bad taste in my mouth now from this situation. I did have a sweet employee in the seattle location (Carla) that not only got me the information I needed. But also managed to expedite my situation. As Becu was meant to submit my money into my account on the 16th so that I can go get myself a car. It's currently the 23rd. Carla not only made sure to help me there, she also let me know other important information about my account. Hold onto and make sure to take care of the good ones. Please.

After being restricted from raising my own debit card limits for overdrafts THEY allowed, not protecting chargebacks from being overturned by companies lying (not protecting members so why this CU vs any bank?), and then finally keeping me from being able to complete a very important transaction due to a daily spending limit they imposed and restricted the ability to self manage after hours… this joke of a credit union has lost my business entirely.

Poor customer service sent around multiple places without getting the answer I needed. I closed the account and it has been over 4 weeks and I still haven’t received my money from the account I closed. If I knew it would have taken this long I would have driven the 2.5 hours to close on person. Will never accept a car loan from them as a lender again.

BECU customer support has gone downhill over the past five years. We had a recent issue with a funds transfer where they locked our account from making any external transfers.

We've had to deal with for the past month or so and have been given the run around by customer support and the fraud department. We've answered the same question three of four times with different reps and provided all the necessary documentation and still get no answer nor the account unlocked. We get the same scripted, repeated messages from every person we talk to and no ability to get direct answers from the fraud department. The money is being held hostage for no good reason.

If we don't find resolution to our issue in the next few days, we will be closing our account and taking our business elsewhere. The CEO needs to address these issues with customer service and be held to account for the decline in service.

Their online banking system does not work. Too many headaches, too many calls to their customer support that is borderline incompetent and doesn't know what they're doing or talking about. Do not give BECU your money to bank with.

BECU Visa Rewards fails to fix a problem identified to them four months ago, as if this writing. Communication is the worst. Their system is expertly crafted to insulate customers from advocating on their own behalf. My suspicion is their point accounting has seen a major problem not limited just me or a few customers. Organizing customer litigation is pending I’m sure.

Update 12/26/2025:
This method seems to get some attention with BECU, however fruitless to date. The bots directed me to email with specifics so the issue could be resolved. Having done so, they could not verify me as a customer and directed me to call a Lead Representative. That person was able to penetrate the system (after two attempts) and get the straight story from "the points people."
My transactions occurred in May of 2025. That arm of BECU switched to a new system in June of that year. I was told any information prior June was not accessible or actionable. Disputes cannot be initiated earlier than that date.
Again, guarded information, customer opacity and a bumpy transition from one accounting system to another says to me that there are aspects to BECU IT that are not to industry standards.

I truly appreciate the outstanding service I’ve received from BECU. Their team is always professional, helpful, and committed to making banking simple and stress‑free. I value the Member Advantage benefits and the way they encourage active engagement with my accounts. From clear communication to reliable support, BECU has consistently gone above and beyond. I feel confident knowing my finances are in good hands, and I’m proud to say BECU will continue to be my go‑to credit union.

I needed (and still need) to make an online purchase, and although I have plenty of my own money in my account I had to call and ask for permission to spend the amount I need to spend. They originally denied my 'request' and asked if maybe there was some other way I could pay, or if I could provide more justification for needing to spend that amount. Unbelievable. Then, after explaining exactly what I was purchasing, they 'allowed' me to access my money. Went online to make purchase- card declined. What a bunch of clowns. Will be closing my accounts.

I have been with BECU since 2009. Unfortunately, because of several unfortunate life events, I had a chapter 13 Bankruptcy during that time. Still, I never bounced a check. During the Bankruptcy, my car broke down. I had to beg, write letters and get my trustee to write letters and finally got them to agree to a car loan. This was 3 years ago. The car was a problem. First the engine broke down causing me to make a $3500 repair. After that was fixed, the transmission went out. The master mechanic said not to put more money into the car. It was a bad year for this car. I drove the car a total of 12 months. Still I never missed a payment!
Even though It was not drivable I still had to make car payments and insurance payments.

My Bancruptcy was discharged 6 months ago. All house payments are made on time and my credit score is 734. My payment history is excellent. I went into BECU to see if they could convert my loan from a car loan to a personal loan. I could at least sell the car for scrape and stop insurance payments. They denied me!

People Helping People? What?

I will follow this up with a letter to the President. I am shocked and disappointed!

Amended: I want to Add that I received the most condescending reply from BECU. See below⬇️

Update, 11/10: after posting my complaint on trustpilot, I received a call from a BECU rep. They Finally allowed me to change the car loan to a personal loan. The person who called me was very nice and apologetic.i believe that there are some nice people working there, but the management and rigid policies suck!!!
I will not change my rating and would never recommend this credit union to anyone! Thank you for reading my story.

NOTE: If you have been mistreated by a big company, keep telling your story until someone listens!

The many bad reviews - 73% - tells the story of a totally broken organization sleep walking to oblivion with zombies "kinda" in charge.

They are a risk to the public. Avoid if you value your mental health and self esteem.

David B's review on Sept 2 is very typical, not just with BECU but others. It mirrors my own experience and that years later, large stable deposits and income, yet they will not loan $5 because of a fully automated underwriting system they outsourced years ago heavily reliant on bad quality third party data and ratings they blindly follow. No human at BECU even looks at it. Their underwriting consists of a zombie data match algorithm. And accounts randomly freezing up for the same reason.

Some insider knowledge here.....

They use back end software by a listed company, Jack Henry, that is a pile of steaming horse pucky built up over 30 plus years. They also outsource functions like address "verification" on the assumption they know more than the actual customer.

The marketing of (INSERT NAME) credit union may change, but all are just pretty labels for third party software the would cease to exist without. They are captive. And that translates to you.

There is also a culture, starting at the top, of massively automated broken bots/AI/ external providers and fetish for form and process over substance. Like other credit unions, BECU is an empty shell, a cardboard cutout with absentee, tame, cocker spaniel directors and and over paid and under performing CEO. This is maintained by rigged elections.

They survive because they are tax free, enabling any surplus to subsidize their inefficiency and provide cushy jobs for lazy, absentee senior management.

This is what you are facing. They not only don't care but are oblivious.

BECU is run by a bunch of insiders running the place into the ground, high staff turnover and the usual mysterious, unaccoutable back end office randomly doing stuff.

Advice: choose one of the European banks like Revoult, WISE and otherwise be prepared to fire them and switch banks regularly. They depend on inertia, BECU especially, exploiting misplaced customer loyalty.

They also traffic your data data for fun and profit.

This post will generate an auto bot trying to trivialize the widespread management failure into an itty bitty issue they want to take out of public view to control the narrative.

They use the same tactics at annual general meetings with carefully scripted Q&A and self promotion much like a Q and A with the great "leader" of North Korea.

It's true that they used to be a very good company, but that's 20-30 years ago. Thesedays they are an empty husk grab bag of third party IT run by rent seeking "management" out to improve their personal gains as the organization burns to the ground.

Let's see if the real people running the show address the substance above on this board and refute the specifics about their back end IT outsourcing. No ? Now why is that ?

See vacuous, empty cut 'n paste auto generated drivel below. Says it all.....

I am finally annoyed enough to completely move my banking out of BECU.

1. Horrendous fraud prevention outsourcing that rendered my credit card useless on several occasions with no explanation. Stropped using the card and thus lost cash back benefits of several hundred dollars/year.
2. TWO terrible auto loan experiences. Despite filling out online application and being pre-approved, both experiences were 2hrs in the branch working with people that had never been trained on how to process and fund an auto loan.
3. BECU does not recognize my federal passport card as valid ID. It's good enough for border agents and TSA but not BECU. (lost my driver's license and waiting on replacement) They verified ID using a series of questions, cut me a large cashier's check ($10k+), then called me 5 minutes after I left to let me know the check was useless because of how they verified my ID. As a result, I look like a clown and wasted my time and the seller's time.

(EDIT: I've since secured a loan with a different credit union no problem, with a low interest rate, it just took me by surprise to be denied considering my qualifications and history with BECU, and they have been great besides this 1 issue) ,
I've been with BECU for 30 years and never had a problem... until NOW. I applied for an RV loan, not much, just 100k or so.. Like I said, Ive been with them for 30 years, (I work at Boeing), My FICO/Credit score is in the 820s out of a possible 850, and I literally have more than TWICE the loan amount in my savings account right now... I applied for the loan, which I assumed was a slam dunk, and... they denied me? Im definitely heated, and considering pulling all my money out... ridiculous..LOL..

Two words come to mind when i think about how BECU treated me. Evil and diabolical. They will screw you over without warning and then gaslight you when you call for an explanation. Their policies are never stated to you. You are expected to know them as if you were an employee. If you misunderstand anything, it's already too late. Make sure you answer EVERY SINGLE one of their calls throughout the day, which can come at any hour (even if you don't recognize the number and aren't expecting a call). They will not attempt any other forms of communication, and it will come back to bite you (it did for me). I am so glad to be cutting ties with them forever. Never again.

⭐ 1-Star Review
Title: Wasted Time, Credit Score Damage, and No Results

I normally don’t post negative reviews, but this experience with BECU’s Visa division deserves it.

I wasted 3 full days and many hours going through their process, only to end up with nothing. Meanwhile, I applied with another bank and got approved instantly for $22,000 in 2 minutes — 0% APR for 15 months and no transfer fees — without submitting a single document.

What makes it worse: BECU’s process damaged my credit score, costing me 27 points on two bureaus and 10 points on a third, all for no outcome and no explanation. Completely unacceptable.

This was a ridiculous waste of time, and their approach to customer service and credit inquiries is outdated and harmful. I strongly advise others to consider alternatives before applying!

Worst financial institution ever. Can't even take a credit card payment over the phone. No automated phone system for credit cards.

Wasted an hour of my time with 3 different calls and 4x on holds to come up empty in getting an account

Manager was nice when I left feedback and understands that there is NO reason as to why I was not notified of this withing the first 5 min the first time I gave my Texas address.

I have tried four times to pay an extra escrow Payment with no success. Their automated phone system is horrendous. I currently have over $300k with them which i will be moving. Horrible customer service

My experience is that BECU is completely behind the times and is seriously lacking in customer service. Each experience I have had has been so frustrating, starting with the ABSOLUTE WORST phone tree, ending with bad, condescending customer service. I do not recommend BECU. I have not had any issues at either of the other two local Credit Unions where I have been a member for many years. I will close my BECU account as soon as this auto loan is repaid.