121 Financial Credit Union – Legit or Scam?

I came across a critical review of 121 Financial Credit Union on a Scam Reporting website – DirtyScam.com, titled ‘Negative Experiences’.

DirtyScam allows anonymous submission of complaints from angry consumers and victims of scams. Since the website is hosted offshore (probably in Russia or India), we take this (negative) review against 121 Financial Credit Union with a pinch of salt.

Here is what the review says –


I had my mortgage, savings, and checking accounts with 121 Financial Credit Union for many years.In the last year or so, I have had more and more negative experiences.Because of the most recent, we have decided to close our accounts.It is near impossible to get in touch with anyone by phone or email; when you finally do get ahold of someone (or go into the branch which is what we ultimately had to do), the representative does not seem to care at all about your problem.Recently, they switched all checking accounts to “Right Choice Checking”, charging you a monthly fee to use your own account – Between the two of us, we had three accounts, that’s $15/mo!I called and emailed trying to opt out of this program multiple times, but did not hear back from anyone.We had another issue and spoke with four people about it, only one of whom showed any sort of empathy.We tried calling a manager about it, but apparently they have ONE person in the entire company who can help with this sort of thing and she wasn’t available.We went to one of the branches about it and the branch manager wouldn’t even see us.I wish we left when we first had doubts, but we are finally working to cut ties with them altogether!I would not recommend using 121 FCU as your financial institution at all!


In case you don’t already know (assuming you came to this page by Googling ‘121 Financial Credit Union scam‘, or ‘121 Financial Credit Union review‘, 121 Financial Credit Union is listed under the category Business on DirtyScam.com.

Here is the rest of the contact information for the sole purpose of identification –

  • Address: San Jose Boulevard Jacksonville FL 32223
  • Phone: (904) 723-6300
  • Website: http://121fcu.org
  • Severity of Scam: Medium [not sure what it means]
  • Reported Loss: 2881 $ [unsubstantiated]
  • Reported by: Anonymous [obviously]

The entity 121 Financial Credit Union was awarded 1 / 5 Stars  based on 2 Reviews.

It is difficult to ascertain whether 121 Financial Credit Union is a Scam, or Legit, based on this single review. In the coming weeks/days, I will try to research deeper into 121 Financial Credit Union, analyze and list more critical reviews and identify a pattern (or lack of) to substantiate the claim mentioned above.

Regardless, until then, we give the benefit of doubt to the reviewer and list 121 Financial Credit Union as someone you need to avoid (for now).

If you have any grievances, complaints, or anonymous tips against 121 Financial Credit Union, please contact us immediately. If you have lost money to  121 Financial Credit Union, together we can work to recover your loss.

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