Credit Union of New Jersey: most-reported complaints
Automated analysis of 243 public Trustpilot reviews published 2025-05-04 to 2026-09-12. TrustScore 4.7 from 4,613 total reviews — see the Trustpilot page. Quick answer: is Credit Union of New Jersey legit? Issues below reflect what reviewers reported, not findings of wrongdoing.
Reviewers most often report that support is unhelpful, accounting for 30% of the 44 identified complaints. Issues with support being unreachable make up 23% of complaints, while other concerns and account or app problems each represent 20% and 18% respectively. The trend for unhelpful support remains flat, whereas reports of unreachable support are falling. Meanwhile, complaints categorized as other issues and account or app problems are showing a rising trend.
Trustpilot has posted a consumer alert on this company’s profile. See the Trustpilot page for the current notice.
The company claimed its Trustpilot profile on 2020-07-28, uses Trustpilot’s paid features, and last replied to a negative review on 2026-07-03. Trustpilot ranks it 4 of 7 in Credit Union. We last checked this profile on 2026-09-24 and found 0 new reviews. These are facts Trustpilot publishes about the profile, as of our last harvest.
TrustScore over time
4.7 → 4.7 across 6 census measurements since 2026-08-17. Our own record, independent of Trustpilot’s display.
Reply behaviour over time
Solid: % of negative reviews replied to. Dashed: typical days to reply. Both as reported on this company’s Trustpilot profile, recorded whenever our census re-checked it and a figure had changed — the gaps between points are not equal: 2026-08-27 (58%, 1.4d) · 2026-09-02 (56%, 1.5d) · 2026-09-08 (56%, 1.5d) · 2026-09-11 (56%, 1.5d) · 2026-09-14 (53%, 1.5d).
Severity: 20% of this company’s 44 graded complaints were classified as severe (money lost, an essential service cut off, or a problem unresolved for months). See the harm index.
1★ share of negative reviews over time
Share of 1–3★ Trustpilot reviews that were 1★
In December 2021, 62% of 13 one-to-three-star reviews were 1★; in June 2023, 50% of 14.
Counted from December 2021 onward — the period for which our capture of 1★, 2★ and 3★ reviews is complete for all three. Months with fewer than 10 such reviews are omitted.
Reviewers here waited a median of 2.5 days between the experience and publishing their negative review (262 reviews record both dates).
Measured reply time: across 491 negative reviews that received a public reply, the median wait was 0.1 days — the company profile reports an average of 2 days. The two are measured differently: ours counts only replies we captured to negative reviews.
Reply quality: of 491 company replies to negative reviews analysed, 29% engaged with the specific problem and 67% were generic templates.
Review provenance: 176 company-invited reviews in the recent window average 4.85★, while 27 organic (uninvited) reviews average 3.70★.
47% of its 176 recent 5★ reviews came from accounts that had written only that one review when we captured it (the median across companies is about 39%). A high share is a reason to look closer, not evidence of fake reviews.
Sector benchmark: support unhelpful makes up 30% of this company’s complaints vs a 28% median across 169 ranked companies in its sector.
Review velocity: 459 of this company’s 4,613 Trustpilot reviews (10%) were written in the last 12 months.
What are the most common complaints about Credit Union of New Jersey?
Support unhelpful
13 reports · 30% of complaintssteady“they transfer money from your account without your approval.”
The company replied on 2026-01-12: “Thank you for sharing your feedback. We’re sorry to hear that your experience has been frustrating. We understand how important clear communication and flexibility are when managing your accounts,…”
Our classifier read this reply as a template response.
18 readers marked this review helpful on Trustpilot.
“Young lady at desk comes off as rude”
The company replied on 2026-02-12: “Hi Jeffery, Thank you for taking the time to share your feedback. We’re very sorry to hear that your experience did not meet expectations, especially after what sounds like an already difficult day.…”
Our classifier read this reply as a template response.
11 readers marked this review helpful on Trustpilot.
“nobody has a clue in customer service, if i call three times i get three different answeres”
The company replied on 2025-11-05: “Thank you for your feedback, Zachary. We regret to hear you had a negative experience. We will have a representative reach out to you to further assist.”
Our classifier read this reply as a template response.
9 readers marked this review helpful on Trustpilot.
Support unreachable
10 reports · 23% of complaintsfalling“They blocked my account illegally and blocked access to the app and personal banking.”
The company replied on 2026-02-12: “Hi Olha, we would appreciate the opportunity to speak with you directly to better understand your situation and assist you further. A member of our team will be reaching out to you, so we can work…”
Our classifier read this reply as a template response.
11 readers marked this review helpful on Trustpilot.
“It is very difficult to get in contact with somebody from the loan department or any agent over the phone.”
The company replied on 2025-08-07: “We apologize for the difficulty you experienced reaching our loan department. We value your feedback and we'll address this issue to improve our responsiveness.”
Our classifier read this reply as a template response.
7 readers marked this review helpful on Trustpilot.
“Poor communication on the bank’s part to inform me about the completion of an application which led to a large setback.”
The company replied on 2025-09-08: “We regret to learn about the communication issues regarding your application's completion. We appreciate your feedback and will have a representative reach out to you. We value and appreciate your…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
2 readers marked this review helpful on Trustpilot.
Other
9 reports · 20% of complaintsrising since 2026-04“Problems with loan end, people are nice, process time bad”
10 readers marked this review helpful on Trustpilot.
“Apparently someone else took my place in line and my name was erased”
The company replied on 2026-04-17: “Thank you for taking the time to share your feedback. We sincerely apologize for the confusion and inconvenience you experienced during your visit. This is certainly not the level of service we…”
Our classifier read this reply as a template response.
3 readers marked this review helpful on Trustpilot.
“I felt that her interaction was because I am a Black female and such behavior truly annoyed me.”
The company replied on 2026-06-12: “Hi Hirene, we're sorry to hear about your experience and appreciate you bringing your concerns to our attention. A member of our team will be reaching out directly to discuss this matter further.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
2 readers marked this review helpful on Trustpilot.
Account/app problems
8 reports · 18% of complaintsrising since 2026-04“They blocked my account illegally and blocked access to the app and personal banking.”
The company replied on 2026-02-12: “Hi Olha, we would appreciate the opportunity to speak with you directly to better understand your situation and assist you further. A member of our team will be reaching out to you, so we can work…”
Our classifier read this reply as a template response.
11 readers marked this review helpful on Trustpilot.
“am the not allowed to have debit card yet monies was still coming out the bank”
The company replied on 2026-02-02: “Hi Christoper, thank you for sharing your feedback. We’re sorry for any frustration this situation may have caused and truly value you as a member. Because account-specific details are best discussed…”
Our classifier read this reply as a template response.
11 readers marked this review helpful on Trustpilot.
“nobody has a clue in customer service, if i call three times i get three different answeres”
The company replied on 2025-11-05: “Thank you for your feedback, Zachary. We regret to hear you had a negative experience. We will have a representative reach out to you to further assist.”
Our classifier read this reply as a template response.
9 readers marked this review helpful on Trustpilot.
Billing errors
6 reports · 14% of complaintsfalling“they transfer money from your account without your approval.”
The company replied on 2026-01-12: “Thank you for sharing your feedback. We’re sorry to hear that your experience has been frustrating. We understand how important clear communication and flexibility are when managing your accounts,…”
Our classifier read this reply as a template response.
18 readers marked this review helpful on Trustpilot.
“they still withdraw late fees, maintenance fees, and other things not happy with it”
The company replied on 2025-06-25: “We regret to hear about the issues you're facing due to your health and the subsequent fees. We appreciate you bringing this to our attention, and we will have a representative reach out to you.”
Our classifier read this reply as a substantive response.
It promised: to make contact.
3 readers marked this review helpful on Trustpilot.
“the monies were not wired and would not be”
The company replied on 2025-08-07: “Hi Josephine, we're very sorry to hear about your recent experience and the inconvenience it caused you and your granddaughter. This is not the level of service we strive to provide. Please know that…”
Our classifier read this reply as a template response.
Misleading pricing
3 reports · 7% of complaintsrising since 2026-04“was not told about these fees so I was depositingmoney and you all was taking it for fees”
The company replied on 2026-04-29: “Hi Brenda, Thank you for bringing this to our attention. We’re sorry to hear about your experience and understand how frustrating unexpected fees can be. This is not the experience we want for our…”
Our classifier read this reply as a substantive response.
It promised: to make contact.
1 reader marked this review helpful on Trustpilot.
“Worst was even though everyone knew I was expecting to be able to move money the day the loan was funded, I was not told about all the barriers.”
The company replied on 2026-07-08: “We appreciate you sharing your feedback regarding your experience. We sincerely apologize for the inconvenience caused. We are reviewing our communication processes to ensure all necessary…”
Our classifier read this reply as a template response.
Compare Credit Union of New Jersey with…
Method: reviews are classified into a fixed complaint taxonomy by an automated reader; every category shown is backed by at least two verbatim quotes from distinct reviews. Trends are computed from dated review counts only. Negative reviews are deliberately over-sampled for evidence depth; headline percentages use an unbiased recent sample only. Report updated 2026-09-14.