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Business Profile

Credit Union

Alabama Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Alabama Credit Union has 2 locations, listed below.

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    Customer Complaints Summary

    • 26 total complaints in the last 3 years.
    • 13 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/02/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      May 9 2025 say there ************ sent my payment back and are reporting non payment to the credit bureau . They say there is nothing they can do and I have to contact my bank and resend the payment . Which I did but they are still reporting me .

      Business Response

      Date: 06/03/2025

      The complainant indicates that he sent a payment and the mail service returned the payment to him, which he then sent back to Alabama Credit Union.  We learned upon investigation that the complainant used his financial institutions bill pay service, which mails a paper check via ******************  The most recent payment was not received by Alabama Credit Union. The complainant was advised via phone of alternative,fee-free electronic payment options which would ensure timely receipt of payment without relying on the ******************  If Alabama Credit Union receives the mailed payment or an electronic payment, it will be posted.  


      The complainant indicates that credit bureaus were notified of past due status, but we have no record that this has occurred.

      Customer Answer

      Date: 06/04/2025

       
      Complaint: 23406008

      I am rejecting this response because:I spoke to them on the phone and I was told even if they received the second payment after rejecting the first they would still report me to the credit bureaus and that is unacceptable .
      Sincerely,

      **** *******

    • Initial Complaint

      Date:05/12/2025

      Type:Billing Issues
      Status:
      Resolved
      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 went to a Little ******** Pizza in ********, ** on 04/17/2025. I attempted to pay with my debit card. They ran my debit card through twice and stated there was an error each time and the card did not go through. I ended up paying in cash. When checking my bank account the card was in fact charged twice. I have contacted both the store and your bank. The store says they can not do anything on their end because of "the error/glitch" it does not show anything on their end. Your bank also refuses to refund the money. I have spent HOURS trying to get this resolved and am promised calls back and NOTHING.

      Business Response

      Date: 05/20/2025

      The complainant indicated that she disputed two transactions to Little Caesars.  Upon research of this complaint, we discovered that provisional credit for one of the transactions was granted, but one was not.  Further,the credit that was issued was then reversed in error.  Provisional credit for both transactions has been granted to the complainant while awaiting response regarding the chargeback.  

      Customer Answer

      Date: 05/28/2025

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      ******* ******

    • Initial Complaint

      Date:04/16/2025

      Type:Billing Issues
      Status:
      Answered
      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 carried a n auto loan with Alabama Credit Union/Tuscaloosa Credit Union. I got the loan through Tuscaloosa Credit Union before they merged or was taken over by Alabama Credit Union. While paying this loan with Alabama Credit Union and Tuscaloosa Credit Union. My loan payment, was mis managemented by Tuscaloosa Credit Union and once the two merged my account continued continued to be reported as late. This loan was never corrected, while Covid 19, Alabama Credit Union continued to report to the credit bureaus late payments, throughout the tenture of paying on the loan monthly. This is a violation, a creditor, are not suppose to report late payments on a consumer's account while the account is still open. I am requesting a payment history, due date, and grace ******* Late payments are governed by regulations laws and credit reporting by a creditor by the Truth and Lending (TILA) and 15 U.S.C. 1666b deals withthe timing of payments and how a creditor reports to a credit bureau.I disputed these late payments and the report came back that Alabama Credit Union had denied it. I feel this action is retalitory to facts. These lates are effecting me from getting future credit, this violates the Fair Credit Reporting Act (FCRA). I am requesting history a the removal of all lates, because this account was still open, while adding these lates.

      Business Response

      Date: 04/18/2025

      The complainant alleges that her loan payment was reported late in error.  Notes on the account indicate that the complainant called and notified Alabama Credit Union of circumstances regarding inability to pay.  There was no mention at this time of mishandling by Tuscaloosa Credit Union or Alabama Credit Union.  Investigation indicates that the payments to the loan were processed accurately when they were received,and subsequent credit reporting was accurate. 

    • Initial Complaint

      Date:04/08/2025

      Type:Billing Issues
      Status:
      Answered
      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 am writing to inform you that fraudulent accounts have been opened in my name with Alabama CU. I am a victim of identity theft and did not authorize the opening of these accounts. Below are the details of the fraudulent ********************************* Name: Alabama CU Opened Date: 7/6/2022 Account Number: ********High **********************: $1,015.00 Opened Date: 8/4/2021 Account Number: ********High **********************: $172.00 I kindly request that you close these accounts immediately and remove any negative information associated with them from my credit report. Furthermore, I would appreciate it if you could provide confirmation of the accounts' closures along with any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 04/16/2025

      The complainant indicates that she is a victim of identity theft.  No complaint about identity theft was made from the complainant directly to Alabama Credit Union.  We have documentary and photographic evidence of the complainant in a branch location, records of applications by the member for the stated accounts, and phone recordings regarding the account.  There is no evidence that the reported activity is a result of identity theft.  The account was closed due to the activity on the account. 

    • Initial Complaint

      Date:03/06/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      The account listed under ********************** CU is not one that I recognize or ever authorized. It is clear that my personal information was used fraudulently, and this account is part of the identity theft I am currently dealing with. I kindly request that this account be removed from my credit report as soon as possible, and that it be investigated accordingly.

      Business Response

      Date: 03/10/2025

      The complainant indicates that she did not open this account.  There is no record of a notification to Alabama Credit Union from the complainant that an account was opened in her name.  The location at which the account was opened is restricted, and all information listed on the account matches the drivers license information. 

    • Initial Complaint

      Date:02/24/2025

      Type:Billing Issues
      Status:
      Answered
      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 am writing to dispute an unauthorized account that has been falsely reported on my credit report. I have discovered that I am a victim of identity theft, and I request that this fraudulent account be investigated and removed from my credit file immediately. The details of the account are as ******************************** Name: ALABAMA CU Opened Date: 7/27/2018 Account Number: ****************I did not authorize or open this account. I request that this matter be investigated urgently and that the account be removed from my credit report. The ongoing reporting of this account is negatively impacting my credit and financial health.

      Business Response

      Date: 02/28/2025

      The account was opened by the complainant as a secured credit card, meaning that the complainant was required to deposit funds in order for the card to be issued.  He signed for the card in the branch and deposited money into the savings account (which is still open) to cover credit card payments.   

    • Initial Complaint

      Date:11/21/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Alabama Credit Union, who I have never heard of, has placed a 684 dollar charge off on my credit report. It says the account opened in 2011 when I was just ***************************************** their business. The report even states I made my last payment in April if 2024. This is crazy. I didnt get a loan, credit card, bank acct, etc when I was 11 yrs old. This has caused my credit score to plummet at a time I am applying for a mortgage. This is horrible business. Its as if they expect me to pay it just to clean my credit. But my 11 yr old self never signed any type of contract with this credit union. This is a shakedown.

      Business Response

      Date: 12/05/2024

      The complainant indicates that she has not heard of Alabama Credit Union.  She signed up as a joint owner on an existing account several years ago, which was several years after account was opened. Joint ownership of the account indicates responsibility for the account, including reporting to credit bureaus.  If the complainant has further questions regarding her joint ownership of an account, we will be happy to provide that information directly to her.  

    • Initial Complaint

      Date:08/26/2024

      Type:Billing Issues
      Status:
      Resolved
      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.
      The business secretly tacks on additional charges and does not explain them to the customer and list them fraudulently under another merchant making it so you cannot report them. Got it confirmed via customer service and no explanation was given. Was given a run around and constant misinformation.

      Business Response

      Date: 08/26/2024

      This member incurred two NSF fees of $35 on this business account.  Those fees are definitely not secret - they are fully disclosed when the account is opened and are outlined on our fee schedule.

      That said, we generally provide a couple of courtesy refunds on such incidents, and we have credited the $70 back to the account.

      We would encourage the member to set up alerts in our online banking system to notify when funds reach certain levels so that fees can be avoided. An overdraft line of credit could also be helpful - there's no cost to it unless it is actually tapped, and then only for the interest incurred while it is outstanding.

      We hope this resolves the concerns, and apologize for the inconvenience it caused.

      ***************************, CEO

      Customer Answer

      Date: 08/26/2024

       
      Complaint: 22196982

      I am rejecting this response because: when asked why it was labeled as something other than an overdraft fee on the user end I was told this is the norm. If there was honest transparency in regards to that Id understand. Why label it as a purchase from the merchant and cause unnecessary confusion? Even when talking with your agent this part was unanswered clearly. Thats the whole reason it comes across as predatory and irresponsible in the banks end.

      Sincerely,

      *************************

      Business Response

      Date: 08/30/2024

      Again, we're sorry for the confusion over the transaction.  We acknowledge that our online banking system displays transactions in this fashion.  On the actual statements, the fee is more clearly displayed. There was no attempt at misleading our member, but we will elevate this concern to our third party online banking provider to see how it can be improved.

      The fees have been reimbursed. We do suggest that the member set up alerts that will notify when funds are low.  Our new *********** will also provide a text every time the debit card is utilized, enable it to be turned off and back on, etc.  We believe this could be useful in avoiding NSF fees.

      ***************************, CEO

      Customer Answer

      Date: 08/30/2024

       
      Better Business Bureau:

      I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

      Sincerely,

      *************************

    • Initial Complaint

      Date:08/16/2024

      Type:Customer Service Issues
      Status:
      Answered
      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.
      *** cannot get their "stuff" together. We are constantly being rejected (when money is in our accounts) b/c of our orders. We can go to ******** and spend over 3k (like we did this weekend) but can't order from Walmart.com or go to the state next to us (30 minutes away) b/c this company can't get it together. When we first opened an account in 2010, we were unable to view our online banking b/c the company transfixed my husband and my social. A YOUR problem, but again became MY problem b/c the company can't get it together. ACU is a joke. We're pulling our funds. Do better.

      Business Response

      Date: 08/17/2024

      Were sorry about the issues experienced by this member. That said, debit card fraud is rampant right now, and all financial institutions are taking major steps to compensate for it. Alabama Credit Union is no different, as it is our objective to protect both our members and the credit union. After all, we are owned by the members as a not-for-profit financial institution. Unfortunately, some of the steps we and the banks must take does inconvenience the consumer.

      One step we have taken recently is the implementation of a sophisticated card control center which enables our members to turn their cards on and off, to receive texts or emails when a purchase is made, and to set travel notices so the debit card will continue to work when they travel. Perhaps this member utilized that to go to ********. Their issue with *******.com was due to their debit card appearing on a compromised list that we received on the day they attempted the ******* transaction. Their card will need to be replaced, but upon verification that transaction was allowed to go through. The issue was entirely due to the debit card appearing on a compromised list, which means a merchant data base has been hacked and card numbers stolen.

      Again, were sorry for the inconvenience this member experienced. I can assure you that we received far more compliments about our fraud measures than I do complaints. Id encourage the member to visit our ***** branch, get an instant issue new debit card, and allow a member of our staff to demonstrate the features of our card center.

      ***************************, CEO

       

    • Initial Complaint

      Date:07/18/2024

      Type:Billing Issues
      Status:
      Resolved
      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 paid a loan for a tractor off with this bank June 3, 2024. The girl that took care of this assured me it was done. On June 18 a payment was taken out of my checking account for a paid account. I called and they sent the money back. Everything is closed out. Today, July 18 another payment was taken from my account for a non existent account! This is a financial hardship and I do not know what to do to get them to stop this from happening. Please help me

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