Complaints

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

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Guardian Credit Union has 14 locations, listed below.

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  Guardian Credit Union

  418 Madison Ave Montgomery, AL 36104-3630

  
• 

  Guardian Credit Union

  102 Interstate Ct Prattville, AL 36066-7363

  
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  Guardian Credit Union

  1120 Highway 231 S Troy, AL 36081-3002

  
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  Guardian Credit Union

  9411 Al Highway 22 Maplesville, AL 36750

  
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  Guardian Credit Union

  1789 Congressman W L Dickinson Dr Montgomery, AL 36109

  

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:01/30/2023

  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.

  My account was fraudegently used by unknown persons to make $7000 in transactions to Wise Transfer without my permission or knowledge. I filed a dispute and waited two months to be told that **** sent in supported information and they could not doing anything about it and I would have to dispute with ****. I already attempted to dispute with **** who informed me they couldnt even locate the transactions. I provided this information to Guardian and they still are telling me they cant do anything about it. My money was stolen and you all allowed it. Even after the company admitted they couldnt locate the transactions or who they came from. I plan to report you all as soon as possible.

  

  Business Response

  Date: 01/31/2023

  I have reached out to **************** about her concerns and requested documents for further review.

• Initial Complaint

  Date:12/15/2022

  Type:Customer Service Issues
  Status:

  ResolvedMore 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.

  My husband and I opened an account with Guardian when I purchased my vehicle and they were the lender. My husband was incarcerated in 2019 leaving me with two loans to pay off alone. I went to the *********** ********* ***** location and sat down with one of the employees to ask for assistance of any kind in helping to continue paying the loans but was declined for loan extension, refinance, or suspension of a loan while I paid one off and could concentrate on the second one but was denied any possible avenue. I managed to keep up payments until recently. Because my job doesn't coincide with banking hours it has been difficult to make contact with them to discuss this matter with them until now and had to get cover on the clinic floor just to make the call. I have explained to them that there is money coming from a death in the family in one month but they still will not work with me even though they continue to take payments from my account without notice.

  

  Business Response

  Date: 12/20/2022

  Called to speak to Mrs. ***** and she informed me she had worked out arrangements with the manager.

• Initial Complaint

  Date:07/29/2022

  Type:Customer Service 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.

  I've had an chec**** and savings account with guardian for a couple of years and had been pleased with their customer service I received at the office I opened my account. When my daughter's began wor**** and got jobs I went and opened accounts for them. I was told because they were both minors that they could only get accounts in their names with me as a co-signer. They have separate account numbers different from mine. I was never informed about the right of offset. I recently became briefly unemployed dues to ta**** 2weeks off to nurse my husband back to good health who became very ill in June with COVID-19 during a outbreak at his automotive plant job. We fell behind financially. My daughter who will be 16yrs old in Aug honor roll **** **** student Scholar. Has been wor**** a part time almost a year in October has remained very responsible during this difficult time. She received her paycheck two weeks ago and placed $** in savings and had about $** in chec**** after ma**** a few back to school purchases. Guardian took ALL of her check that she worked for. When I called I was told that this legal due to rule of offset. My personal chec**** account had been overdrawn and the bank took my child's pay check without any notice of the actions that would be ta**** when my personal chec**** was overdrawn. After I spoke to a representative. She explained that my account was now closed and that they could legally do this and stated now that we have spoken and set up arrangements that her account would not be touched again. I was told that the money could not be returned. I asked several times if my daughter account would be drawn from again without notice or consent and was told that this would not happen again. After also being told they money could NOT be returned, later that night my daughter told me the $** from her chec**** had been returned. I checked and this was accurate. The $** was never returned. Two weeks later her entire check $*** drafted AGAIN.

  

  Business Response

  Date: 08/10/2022

  Contacted Mrs. **** on 8.10.2022 at 10:39 a.m. to discuss a solution to her concern.  Mrs. **** was not available, so I left a voicemail with my direct number to return my call at her convenience.