What happens next?

How to file a complaint against a credit union
Gather relevant information.
Before you approach your credit union with a problem, gather information that will help you make your case. Try to understand who caused the problem, what the problem is, when it occurred, where it occurred, and why it occurred.
Things to look for include : Documentation of conversations with employees and managers. They should include details about who you talked to, when you talked to the person, for how long you talked, and what the conversation was about.