MCU Holdings cares deeply about each consumer’s experience while working with our organization. When account holders have questions or complaints, we ask them to reach out directly to our team for answers, support, and resolution. We take consumer feedback seriously and will work diligently toward a resolution. If consumers feel that they have not been treated fairly or have been harassed during the recovery process, we encourage them to contact us through the MCU Holdings complaint process below. 

MCU Holdings Complaints Process

As a professional debt collection agency, we hold ourselves to the highest standards of professionalism and compliance. We are proud to provide a positive consumer journey while helping account holders reach a resolution of their outstanding debt. Working with our company, consumers can expect to be treated fairly and with respect. However, if concerns about your interactions with our team arise, and you would like to file a complaint with our company, we encourage you to contact our compliance team by either emailing [email protected] or calling 866-432-3368. We strongly encourage you to contact our team as this is the fastest method of getting a direct response from our company. Our compliance team will work to achieve the resolution of your concern. 

What Consumers Can Expect When Calling Our Company

Through clear and respectful communication, we provide direct answers to questions. Working within the guidelines of compliance, our team acts with integrity and transparency to cultivate trust and build productive relationships that lead consumers toward debt resolution. Some consumers ask why their identity must be authenticated in each phone call. We respect the confidentiality of your information, and we are bound by the FDCPA which regulates our interactions with consumers. Representatives are restricted in the amount of information that we can discuss without first verifying that we are speaking directly to the account holder; this includes information that we leave on voicemail.

If you have received a message or a missed call from our organization, please call us. Our efforts to contact you are in reference to an account in your name or feedback we have received from you. We may be calling to talk with you regarding payment and payment plan options or about resolving your concern/complaint. 

Our Commitment to Compliance

Missing payments and falling into delinquency is stressful. When consumers seek to learn more about the debt collection process, the amount of misinformation can be overwhelming and cause consumers to feel confused and question the accuracy of the information they find. To help consumers better understand the collections process and the regulations that guide our actions, we provide free online resources as well as information in this article.

When working on behalf of our creditor clients to recover funds from past-due accounts, we use a variety of methods including telephone, letters, and other methods as agreed upon with individual consumers. Our team is extensively and regularly trained and tested on the applicable collection laws that guide our everyday interactions. These laws include, but are not limited to, the Fair Debt Collection Practices Act (FDCPA), Telephone Consumer Protection Act (TCPA), and the Fair Credit Reporting Act (FCRA):

  • The Fair Debt Collection Practices Act (FDCPA) is a federal law that provides consumers with legal protections from unfair and illegal debt collection methods. It guides the actions and behaviors of third-party debt collectors who are attempting to collect a debt on behalf of another person or institution. It also defines debt collector and consumer and outlines what debt and which debt collectors are bound by the FDCPA. The FDCPA also protects reputable debt collectors from unfair competition and encourages consistent state action to protect consumers.
  • Consumer privacy is safeguarded by the Telephone Consumer Protection Act, a federal statute that restricts telephone soliciting and the use of automated telephone equipment. It is also responsible for the establishment of the national Do-Not-Call Registry. TCPA makes consumer consent a primary focus for businesses.
  • The federal Fair Credit Reporting Act promotes fair and accurate credit reporting. It also ensures fairness, impartiality, and privacy for consumers. The FCRA recognizes the many types of consumer reporting agencies and the vital role they play in collecting consumer credit and other information.

Contact Our Compliance Team

When concerns and complaints arise, our team is empowered to handle them quickly and work with you to resolve the issue. If you have a concern or a complaint, please contact our compliance team by emailing [email protected] or calling 866-432-3368. 

About MCU Holdings

MCU Holdings is a professional third-party debt collection company providing customized debt collection programs for creditor businesses and best-in-class experiences for consumers. Our main headquarters is located in Coral Springs, FL.