University Federal Credit Union – West Valley Review

2.3/5 - (3 votes)

This is an archive of a consumer complaint published against University Federal Credit Union – West Valley at


Business Details –

  • Name: University Federal Credit Union – West Valley
  • Address: South Redwood Road
  • City: West Valley City
  • State: UT
  • Phone: (801) 481-8873
  • Website:
  • Reported Loss: 3625 $
  • Severity of Scam: High


Original Complaint against University Federal Credit Union – West Valley published at says, verbatim –


I have been banking with University of Utah Federal Credit Union for years, just basic savings and checking.The reason they get 1 star (I would put zero stars if it let me) is because of their terrible fraud protection, or actually their lack of fraud protection.On two separate occasions I have had fraudulent charges made to my account.The first time it was around $200. I had to dispute the charges, and wait for 10 business days for the funds to be replaced.Most banks replace the funds right away, but not these guys…they make YOU pay for criminal activity on YOUR card.Not only did I have to wait 10 business days, I was also told on a number of occasions that they can’t guarantee that the money will be replaced at all.The money was eventually replaced. On to the next.I signed up to get alerts on my phone alerting me of fraudulent activity on my account.I get an alert on my phone, and a message from their fraud center letting me know about suspicious activity on my account, I respond right away to confirm the charge in question was in fact fraudulent.Even though I was very prompt in confirming the fraudulent charge, a second fraudulent charge was still able to be made on my account right after, totally around $600.The two charges were “holding” in my checking account, which I thought was a good thing, meaning they hadn’t gone through yet because I had caught it in time.Nope, not the case. In fact, I wasn’t allowed to officially dispute the fraudulent charges, which I confirmed were fraudulent charges before they even went through, until they went through! I had to wait until my account was fully charged before I could dispute the fraudulent charges, then file a police report, and then wait 10 business days to get the money back.I am a full-time student, and this happened at the 1st of the month…when rent is due, but my rent money went to a crook and the companies he used stolen money to buy things from.A bank or another credit union would have replaced the funds right away, and then paid themselves back once the charges were officially reversed, putting the customer first.The customer who is trusting them with their money.When I contacted the U of U credit Union about all of this…they told me to sign up for fraud alerts, so that I could avoid this in the future.I told them, again, that I was signed up for fraud alerts…and this is what it got me…fraud, from a crook and a credit union.


University Federal Credit Union – West Valley

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