Complaints

This profile includes complaints for BMI Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

BMI Federal Credit Union has 5 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  BMI Federal Credit Union

  6165 Emerald Pkwy Dublin, OH 43016-3248

  
• 

  BMI Federal Credit Union

  750 Bethel Rd Columbus, OH 43214-1902

  
• 

  BMI Federal Credit Union

  760 Kinnear Rd Columbus, OH 43212-1488

  
• 

  BMI Federal Credit Union

  543 N Cleveland Ave Westerville, OH 43082

  
• 

  BMI Federal Credit Union

  505 King Ave Columbus, OH 43201-2696

  

The 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:03/24/2025

  Type:Billing Issues
  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.

  Opening free checking account soft inq in fine prints within 30days hard inquiry reported to credit bureau. Reached out to *** due to unauthorized shared account open and hard inquiry reported which rep ******* advised do not have documentation to support. I closed account less than ****** due to no card being sent after opening account ****************** account opened with out my knowledge hard inquiry not stated in fine print and no card security.

  

  Business Response

  Date: 04/04/2025

  Dear Ms. ********************* review of your complaint concerning a credit inquiry during a new account opening was conducted. It was determined that you opened your account online during which you authorized and acknowledged to electronic disclosures.  It has been determined that the credit pull was authorized when you signed the electronic disclosures during the account opening process.  We provided you these disclosures again on 3/24/25 when you called to inquire about the credit pull.  Additionally, the disclosures state to join the Credit Union you must, at minimum, open a membership share savings to become a member of the Credit Union; this is standard in the Credit Union industry. 
  

  Our investigation has concluded and deemed that the credit pull and account opening was authorized by you on 2/24/25, therefore no further action is required at this time.

  Customer Answer

  Date: 04/11/2025

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  Complaint: 23108163
  
  I am rejecting this response because: disclosure does not include a hard credit pull it initially stated soft pull name address employee etc. Bank check verify does not include a hard credit pull this is not a credit card application this is a Free checking account as I have an account with KEMBA ********************************************* as well as never had a hard credit pull to drop me 78 points. Asked to close account . Employee manager advised as well soft credit pull for checking and advised me to dispute with credit report. Reached out to transition they advised with hard report pulls the creditor has to remove it spoke with branch manager who advised she does not have the controls to remove unauthorized hard credit pull for opening of checking account please attach a copy of disclosure stating hard credit pull in agreement. 
  
  Regards,
  
  ****** ********

  

  Business Response

  Date: 04/14/2025

  Dear Ms. ************************* the Fair Credit Reporting Act (****) a permissible purpose to obtain a consumer report is in connection with opening a bank account.  When you applied for an account online on 2/24/25 you authorized us to pull your credit through our online disclosures.  You had to specifically agree to the following statement:

  
  By clicking on I agree, you authorize us to verify the information you submitted and to obtain credit reports concerning you.  Upon your request, we will tell you if a credit report was obtained and give you the name and address of the credit reporting agency that provided the report.  You warrant to us that the information you are submitting is true and correct.  By submitting this application, you agree to allow us to receive the information contained in your application, as well as the status of your application. 

  
  Additionally, to clicking I agree to the above disclosure there is a required box you checked that states: I authorized BMI Federal Credit Union to obtain a credit report as well as required box that states you read and understand our Membership Agreement. The referenced disclosures are attached as well as our Membership Agreement (reference, section 1 Membership Eligibility) which specifically states you authorize us to obtain reports from third parties including credit reporting agencies.  Nowhere in our disclosures does it state the credit pull is a soft inquiry.  The Credit Union has complied with the **** and obtained your authorization to pull credit based on the disclosures you signed at account opening.

• Initial Complaint

  Date:04/04/2023

  Type:Service or Repair Issues
  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.

  On Jan 3, I opened a checking account with "Checking promotions: Open a Free Checking Account and Earn a $200 Cash Bonus". It requires $20 deposit, 30 transactions over $5, and sign up for e-statement. I've completed all, but didn't receive $200 bonus. I've contacted customer service. Representative ****** replied: "It looks like you haven't yet signed up for eStatements. You can do that in Online Banking: Menu -> Services -> eStatements. Also, I count only 24 debit transations." Neither is true. I signed up for e-statement, and made 33 transactions: 1: Mar 26, $5.75 2: Mar 24, $6.96 3: Mar 24, $9.18 4: Mar 22, $8.22 5: Mar 22, $9.65 6: Mar 22, $10.52 7: Mar 19, $6.59 8: Mar 19, $13.88 9: Mar 19, $13.5 10: Mar 19, $12.73 11: Mar 17, $7.4 12: Mar 16, $5.28 13: Mar 15, $5.01 14: Mar 14, $7.11 15: Mar 12, $10.15 16: Mar 12, $13.89 17: Mar 12, $8.08 18: Mar 12, $10.03 19: Mar 10, $5.72 20: Mar 9, $6.44 21: Mar 8, $9.51 22: Mar 8, $6.64 23: Mar 7, $10.29 24: Mar 5, $20.95 25: Mar 5, $20.95 26: Feb 24, $6.3 27: Feb 17, $7.5 28: Feb 12, $7.97 29: Feb 12, $6.7 30: Feb 5, $5.01 31: Feb 5, $5.19 32: Feb 5, $5.31 33: Feb 2, $5.35 

  

  Business Response

  Date: 04/14/2023

  We appreciate your bringing this complaint to our attention. BMI Federal Credit Union offers multiple promotions at one time on a continual basis. All promotional disclosures detail the requirements needed for bonus payouts. The requirements may include e-statement enrollment, debit card transaction activity and usage timeframes, along with a promotion code. Each promotion code is associated with a specific product offering to a ensure proper and timely payout. As well as to measure the success of our marketing efforts by creating an awareness of credit union member ownership and its benefits.
  
  At the time ****** ***** notified us of the missing promotional payout, all requirements had not yet been satisfied within the allotted timeframe. Because of this, no promotion was automatically generated. We can certainly understand the frustration when she was told there were two outstanding requirements when only one, the e-statement enrollment, was needed. Once this was done, BMI FCU registered her account to be credited and communicated that to her. We regret the complaint was submitted to BBB prior to having the opportunity to convey the solution.
  
  Once registered, promotional payouts are scheduled to post on a periodic basis. Our records indicate the account was credited on April 7, 2023. We apologize for delayed BBB response since the resolution and the complaint had somewhat overlapped.
  
  We take pride in our service reputation and in the products and services we offer and regret the experience as a new member. Although it is disappointing to receive a complaint such as this, we welcome the opportunity to examine our current practices in effort to ensure the highest levels of member service.

  
  If any additional information is needed, please do not hesitate to contact us.