Complaints

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

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• 

  Addition Financial Credit Union

  1000 Primera Blvd Lake Mary, FL 32746-2194

• 

  Addition Financial Credit Union

  708 E Vine St Kissimmee, FL 34744-4280

• 

  Addition Financial Credit Union

  3070 North Orange Blossom Trail Kissimmee, FL 34741

• 

  Addition Financial Credit Union

  2390 E Highway 50 Clermont, FL 34711-6005

• 

  Addition Financial Credit Union

  5990 Metrowest Blvd Orlando, FL 32835-7598

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:08/21/2023

  Type:Billing 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.

  Addition Financial failed to communicate in any manner aside from an old address, despite the rest of the communication methods being correct and available all while allowing fees to accrue over time, and now will not let me close my account without paying said fees. The company showed insufficient notice of my account details since 2022, and when speaking with them, they admitted they had an old mail address knowing that they were getting the letters back as return to sender which had been filed in my account. There was no follow up communication via email, phone, or secure message. During this time, they continued to tack on a late fee for the charge because of my absence and will not close the account without me being in person. I only found this out when I originally contacted on 8/15/23 and requested to close my account because they sent an email to all customers addressing new upcoming fees. The representative assured me that my account was almost closed, and I would not be charged any late fees and spoke of no negative balance as she looked through my account. However, I received a call later on the same day with a new representative saying I owed 70 dollars in fees, and I couldn't close my account until it was paid. I contacted the company again and spoke with a supervisor on 8/17/23 to follow up with this issue and they advised me that there was nothing they could do because their only responsibility is to send the letter but not make sure the customer was notified. The negative balance from fees has been an issue since 2022, with no communication. In summary, Addition Finacial intentionally failed to communicate while fees intentionally accrued without any communication of the sort and now, I have accounts that they refused to close based on the fact I have fees that I was not aware of because of their inadequate attempt to communicate. I would like the fees removed and my accounts closed with Addition Finacial.

  Business Response

  Date: 09/01/2023

  09/01/2023        VIA Electronic Mail
                          Better Business Bureau
  of Central Florida, Inc.
                          1600 S. Grant Street
                          Longwood, FL 32750
  
                          RE:       ***** ******** *** *** ********
  
  Dear
  BBB Consumer Affairs Representative:
  Thank
  you for forwarding ***** ********* complaint regarding Addition Financial
  Credit Union (“Addition Financial” or “Credit Union”). Addition Financial’s Legal
  Department has reviewed Ms. ********* complaint to ensure she was treated
  properly by the Credit Union.
  
  In
  her complaint, Ms. ******** takes issue with several fees charged to her
  account due to the lack of account activity. The Credit Union’s dormant account
  and other fees are provided in its Fee Schedule, which is available at all
  branches and online at ******************************. As a one-time courtesy,
  Addition Financial has refunded a portion of the fees incurred by Ms. *********
  account.
  
  We
  at Addition Financial value Ms. ********* membership and wish her the best. Ms.
  ******* may contact me at 407-228-2679 or ************************ with any
  additional questions or concerns regarding this matter.
  
  Regards,
  Joe
  
  Joseph
  A. M******** Assistant General Counsel
  Addition
  Financial
  1000
  Primera Blvd.
  Lake
  Mary, FL 32746
  (407)
  228-2679
  ************************

  Business Response

  Date: 09/19/2023

   ***** *******’s
  rejection response does not correspond with her BBB complaint submitted to
  Addition Financial Credit Union.  The credit union did not request any
  documents from the member.  The member was assessed two NSF fees as there
  were insufficient funds to cover a transaction.  The credit union did not
  mislead the member as the member accepted our resolution to refund one NSF fee
  and the member paid one NSF fee.   Also, Addition Financial Credit
  Union did not submit a report to the credit bureau to affect her credit
  score.  BBB, please recheck ***** *******’s rejection response as the
  content is not applicable to the credit union.

  Customer Answer

  Date: 09/19/2023

  
  
  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. This repose they replied to was filed for the wrong complaint 
  
  
  
  Sincerely,
  
  
  
  ***** *******

• Initial Complaint

  Date:05/11/2023

  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 have asked that you correct my address to no avail. My apartment number is 502 not 501. Now the person receiving my mail in her box is getting really disturbed over this. Please fix this before i loose my apartment then I won't be paying a car payment. I have asked for this seven times now and not asking again.

  Business Response

  Date: 05/19/2023

  05/19/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          1600
  S. Grant Street
                          Longwood,
  FL 32750
  
                          RE:       ****** ******** **** * ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding ****** *******’ concerns
  regarding Addition Financial Credit Union (“Addition Financial” or “Credit
  Union”). Addition Financial’s Legal Department has reviewed the complaint Ms. *******
  submitted to ensure she was treated properly by the Credit Union.
  
  Ms. *******’ complaint concerns Addition
  Financial’s failure to fix her street address, which was listed incorrectly in
  our records. I am pleased to report that Ms. *******’ address has now been
  corrected to the proper street address of “****” We apologize to Ms. *******
  for any inconvenience she experienced due to our error. 
  
  Ms. ******* may also contact me directly at ************************
  or 407-228-2679 with any additional questions or concerns regarding this
  matter.
  
  Regards,
  Joe
  
  Joseph A. M*******, Assistant General Counsel
  Addition Financial
  1000 Primera Blvd.
  Lake Mary, FL 32746
  (407) 228-2679
  ************************

• Initial Complaint

  Date:05/08/2023

  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 contacted addition for a payment arrangement on the phone and in in person and was given false information regarding the payment options. I requested a payment extension and different reps told me that due to a timeframe I wasn't allowed . I was advised by a male rep on the phone that I could make most of my payments and if there was a small remaining balance it could be applied to the next months bill without any issues . I just learned today that due to a $24 balance that was charged from the deposits I made it was reported to the credit bureau and I was hit with over 100 points going down. the rep told me that the information I got was incorrect and that I needed to resolve my issue with credit bureau and they REFUSED or help me . 3 different reps gave me contradictory information and I was held responsible for it . I paid everything in full , I have no balance and I need this corrected to the credit bureau

  Business Response

  Date: 05/22/2023

  
  
  05/22/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          1600
  S. Grant Street
                          Longwood,
  FL 32750
  
                          RE:       **** ********* Case # ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding **** ********’s concerns
  regarding Addition Financial Credit Union (“Addition Financial” or “Credit
  Union”). Addition Financial’s Legal Department has reviewed Mr. ********’s
  complaint to ensure he was treated properly by the Credit Union.
  
  In his correspondence, Mr. ********’s takes
  issue with the fact that late loan payments impacted his credit score. Mr.
  ********’s loan payment information was reviewed in response to his complaint,
  and it was determined that Addition Financial’s reporting of loan payments to
  the credit bureaus was accurate and proper. Specifically, Addition Financial’s
  records reveal that Mr. ******** submitted either late and/or partial payments
  for the installments owed in February, March, April of 2023.
  
  Mr. ******** may contact either me or our
  Collections Department at 407-896-9411 with any additional questions or
  concerns regarding this matter.
  
  Regards,
  Joe
  
  Joseph A. M******** Assistant General Counsel
  Addition Financial
  1000 Primera Blvd.
  Lake Mary, FL 32746
  ***** ********
  ************************

• Initial Complaint

  Date:04/17/2023

  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.

  I am not liable for this debt with ******* communication and do not have a contract with Addition Financial Credit Union. They did not provide me with the original application like i asked.

  Business Response

  Date: 04/28/2023

  04/28/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          1600
  S. Grant Street
                          Longwood,
  FL 32750
  
                          RE:       ****** ******* ******** **** * ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding ****** ******* *******’s
  concerns regarding Addition Financial Credit Union (“Addition Financial” or
  “Credit Union”). Addition Financial’s Legal Department has reviewed the complaint
  Mr. ******* submitted to ensure he was treated properly by the Credit Union.
  
  Although Mr. ******* ******* does not appear to
  be an accountholder at Addition Financial, we have located records indicating
  that Mr. ******* ******* applied to refinance his existing automobile loan with
  the Credit Union. Unfortunately, we were unable to assist Mr. ******* ******* with
  this refinancing and have provided him with a letter outlining the reasons we declined
  the application.
  
  Addition Financial does not possess any records
  or other evidence that the Credit Union was ever involved with the “debt with
  Charter communication” referenced by Mr. ******* ******* in his complaint. Mr. *******
  ******* should contact the credit reporting bureaus directly if he believes his
  credit history contains any misstatements. Mr. ******* ******* may also contact
  me directly at ************************ ** ************ with any additional
  questions or concerns regarding this matter.
  
  Regards,
  Joe
  
  Joseph A. M*******, Assistant General Counsel
  Addition Financial
  1000 Primera Blvd.
  Lake Mary, FL 32746
  (407) 228-2679
  ************************

• Initial Complaint

  Date:03/15/2023

  Type:Service or Repair 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 signed a loan with Sunlight Financials, and my payments are going to Addition Financial. I had my solar panels installed on August 12, 2022, and I had been getting charged while the project is incomplete. EnerPower/Entron Holdings was supposed to do a main panel upgrade to get the solar panels, yet they completely abandoned the project. I've reached out to EnerPower/Entron Holdings to get this project completed, but they have not responded back to me. Either Addition financial can charge back my account or they can find a method to help complete my project. I can't believe that I'm getting charged for something that is not activated.

  Business Response

  Date: 03/30/2023

  03/30/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          1600
  S. Grant Street
                          Longwood,
  FL 32750
  
                          RE:       ******* ******, Case * ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding ******* ******’s concerns
  regarding Addition Financial Credit Union (“Addition Financial” or “Credit
  Union”). Addition Financial’s Legal Department has reviewed the correspondence
  you submitted to ensure that ******* was treated properly by the Credit Union.
  
  Addition Financial is the current holder of a
  loan made to ******* to fund the purchase of solar energy panels and related
  equipment. In the complaint, ******* expresses frustration with the solar panel
  installation and activation process. Although Addition Financial has no direct
  relationship with the solar panel installation contractor, we have agreed to
  extend *******’s loan ninety (90) days to allow for the solar panel installation
  to be completed. ******* may contact me directly at jm*******@additionfi.com or
  407-228-2679 with any additional questions or concerns regarding this matter.
  
  Regards,
  Joe
  
  Joseph A. M*******, Assistant General Counsel
  Addition Financial
  1000 Primera Blvd.
  Lake Mary, FL 32746
  ***** ********
  ************************

• Initial Complaint

  Date:02/14/2023

  Type:Billing 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.

  I was being double billed on my account since June of 2022. Addition Financial sent me a letter in the mail to call in to set up my account. When I called in they walked me through setting up the online payment. I had no knowledge that Addition had also set up an "internal" withdrawal from my Checking account which I had no visibility of in my account.
  When I called in to rectify the issue I got attitude from the phone operator who was not helpful and asked to speak with a supervisor.
  Once I spoke with Andre we got the ball moving and he agreed to refund all 4 of February and January's payments. Which still left 4 double billed months that I am concerned about.

  Business Response

  Date: 03/01/2023

  03/01/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          **** ** ***** ******
                          Longwood,
  FL 32750
  
                          RE:       *** *********, Case # ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding Mr. *** *********e’s (“Mr.
  **********’s”) concerns regarding Addition Financial Credit Union (“Addition
  Financial” or “Credit Union”). Addition Financial’s Legal Department has
  reviewed Mr. **********’s correspondence in an effort to ensure that Mr. **********
  was treated properly by the Credit Union.
  
  Mr. ********** previously obtained a loan from
  Addition Financial. In his complaint, Mr. ********** expresses frustration that
  he has been unintentionally double-paying the monthly payments required to
  service his loan. Mr. ** ******** states that, after obtaining the loan, he set
  up automatic recurring loan payments. However, he was unaware that such
  automatic payments had already been established via his loan application
  paperwork.
  
  An Addition Financial representative has
  contacted Mr. ********** and adjusted his loan balance and required monthly
  payments to account for the additional loan payments the Credit Union
  previously received. We apologize to Mr. ********** for the frustration he
  experienced during this process. If Mr. ********** has any additional questions
  regarding this matter, he may contact me directly at ************************ ** *************
  
  Regards,
  Joe
  
  Joseph ** ********, Assistant General Counsel
  Addition Financial
  **** ******* *****
  Lake Mary, FL 32746
  ***** ********
  ************************

  Customer Answer

  Date: 03/04/2023

  
  
  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:02/06/2023

  Type:Product 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 discovered repeated fraudulent charges on my checking account. The charges began on 18 Jan 2022. The description of the charges were: ******** ************* CA
  
  The total for the fraudulent charges was 4776.00
  When I reached out to Addition Financial they said I was too late to report the charges. They said they would charge me twenty-five dollars just to report the fraud to them. And that there would be no point in making a claim as it would just be rejected. Addition has not tried to resolve the problem. I am seeking a refund of the fraudulent charges on my checking account.

  Business Response

  Date: 02/21/2023

  02/21/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          1600
  S. Grant Street
                          Longwood,
  FL 32750
  
                          RE:       ******* ***** **** * ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding ******* ****** ***** ******** complaint regarding Addition Financial Credit Union (“Addition
  Financial”). Addition Financial’s Legal Department has reviewed Mr* ****’s claims
  in an effort to ensure that he was treated properly by Addition Financial. In him
  complaint, Mr. **** alleges that his Addition Financial account was the subject
  of several fraudulent transactions occurring in January of 2022.
  
  Addition Financial staff have investigated the charges
  referenced by Mr* ****, which occurred between January 18th and January 23rd of
  2022. Addition Financial staff has been unable to locate any evidence of fraud
  or other inappropriate behavior related to Mr* ****’s account. Mr. **** also failed to
  properly dispute the charges in question. Thus, Addition Financial is unable to
  take any further action related to these transactions.
  
  Addition Financial’s Legal Department has determined
  that Mr. **** was treated: a) in the same manner as other Addition Financial
  members, b) consistent with applicable laws and/or regulations, and c) fairly. Addition
  Financial values Mr. **** as a long-time member of the credit union and wishes him
  the best. 
  
  Joseph A. M*******, Assistant General Counsel
  Addition Financial Credit Union
  1000 Primera Blvd.
  Lake Mary, FL 32746
  407-708-0967 (Phone)
  407-893-5160 (Fax)
  ************************

• Initial Complaint

  Date:02/03/2023

  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.

  I was approved for a Solar equipment/installation loan through ******** Financial, however Addition Financial is the Credit Union they use. I have paid AdditionFi $186.66 monthly via ACH directly from my bank account for several months. I never received 1 email, text or call regarding my acct but the $186.66 continues drafting. Today I received a negative mark on my credit report stating I am 30 days past due on a payment and dropped my scor 40 points! I verified the last payment was taken on Jan 30, 2023. So how am I behind? I called AdditionFi and they stated my last payment was made in the amount of $171. I told the rep that this is incorrect and I can provide a bank statement to prove it. She scheduled a call back for the acct to be corrected. I then called back maybe 20 mins later to verify my acct number since I wasn't able to locate it via email. The rep told me I didn't answer security questions correct & couldn't access my acct. I asked for a sup. He also said I didn't answer the security questions correctly. I just answered the EXACT same questions with the agent that scheduled a call back. What changed? Nothing! He told me to visit a branch to access my acct. I live in Texas..their branch is in FL! I then filed a dispute with ********* In my credit profile I found that they are claiming I have been delinquent on a $15 payment since Sept 2022! No calls, no email, texts or US mail stating this anywhere! Now my credit score has taken a 40 point dive and NO ONE can explain to me why! I'm still waiting on a call back to resolve but an apology won't fix my score! Supervisors don't help and the one agent that initially accessed my acct was confused and seeing incorrect payment info. Something is very off about this company. I regret ever purchasing Solar through them. Never been late on any payments yet being penalized for it! Thanks ******** Solar for the SHADY partner you're using to extort my family! Shame on you all!

  Business Response

  Date: 02/08/2023

  02/07/2023        VIA Electronic Mail
                          Better
  Business Bureau of Central Florida, Inc.
                          1600
  S. Grant Street
                          Longwood,
  FL 32750
  
                          RE:       ******** ******* **** * ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding ******** ******’s (“Ms.
  ******’s”) complaint regarding ******** Financial Credit Union (“********
  Financial”). ******** Financial’s Legal Department has reviewed Ms. *******s claims
  in an effort to ensure that she was treated properly by ******** Financial. In
  her complaint, Ms. ****** expresses disappointment that her credit score was
  negatively affected by a late loan payment.
  
  ******** Financial reviewed Ms. *******s loan
  payment information and found that Ms. ****** arranged for her November 29,
  2022 loan payment to
  be paid electronically. However, shortly after this payment was successfully transferred
  to ******** Financial, the payment was disputed by Ms. ****** and the funds
  returned to the sending financial institution. This reversal caused both the
  November 29, 2022 loan payment to be missed and Ms. *******s account to incur a
  $15.00 ACH return fee.
  
  The November 29, 2022 loan payment remained
  unpaid until an electronic funds transfer received by ******** Financial on
  December 29, 2022 was used to pay the November 29, 2022 loan payment.
  Similarly, the funds received on January 29, 2023 were used to pay the December
  29, 2022 loan payment. Thus, the January 29, 2023 loan payment remains unpaid
  and is delinquent. As a one-time courtesy, the $15.000 ACH return fee charged
  to Ms. *******s account has been reimbursed. Ms. ****** is welcome to contact
  ******** Financial at ************ to arrange to pay the delinquent loan
  payment. However, as the loan payment has been verified to be delinquent,
  ******** Financial is required to report the existence of the late payment to
  the credit bureaus.
  
  ******** Financial’s Legal Department has determined
  that Ms. ****** was treated: a) in the same manner as all other ********
  Financial members, b) consistent with all applicable laws and/or regulations,
  and c) fairly. ******** Financial values Ms. *******s credit union membership
  and wishes her the best. 
  
  Joseph A. M*******, Assistant General Counsel
  ******** Financial Credit Union
  1000 Primera Blvd.
  Lake Mary, FL 32746
  ************ *******
  ************ *****
  ************************

• Initial Complaint

  Date:11/28/2022

  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.

  The November 2022 payment has not been charged automatically from my account yet and I am not paying via phone call nor paying any additional service fee. I have gone through the process of authorizing direct payment from my checking account TWICE and this clearly is not happening. Please be advised that this is a persistent problem and Addition Fi is neglecting to resolve which makes the bank solely responsible for any payment delays. The 2012 Florida Status, Chapter ************************************************************************ compliance with this institution. Kleber

  Business Response

  Date: 12/13/2022

  12/13/2022VIA Electronic Mail
  Better Business Bureau of Central Florida, Inc.
  1600 *****************************
  ********, ** 32750
  
  RE:*****************************, Case # ********
  
  Dear BBB Consumer Affairs Representative:
  
  Thank you for forwarding ************************************* ("******************") concerns regarding Addition Financial Credit Union ("Addition Financial" or "Credit Union"). Addition Financial's **************** has reviewed ****************** concerns in an effort to ensure that ************** was treated properly by the Credit Union.
  
  ************** obtained an automobile loan from Addition Financial. In ****************** complaint, he expresses frustration with the processes Addition Financial requires to establish an automatic recurring loan payment. Specifically, ************** alleges that Addition Financial has been unsuccessful in establishing a recurring loan payment despite the fact that he has twice completed all paperwork required by the Credit Union to set up such a payment.
  
  Fortunately, Addition Financial was able to contact ************** and has now succesfully established the recurring loan payment. The late fee ************** would have otherwise been charged due to a late November loan payment has been waived. ****************** loan payments are now set up to occur automatically in the future. We apologize to ************** for the frustration he experienced and hope this resolution satisfies him.
  
  If ************** has any additional questions regarding this matter, he may contact me directly at ************************************ or ************.
  
  Regards,
  ***
  
  ********************************, Assistant General Counsel
  Addition Financial
  1000 ************.
  *********, ** 32746
  **************
  ************************************
  See Attachment/File: ***** BBB Complaint Response 12-13-2022.pdf

• Initial Complaint

  Date:10/25/2022

  Type:Billing 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.

  I had a Solar loan from********* Financial, and they sold my loan to Addition Financial before the first payment was due. My min payment was $73.17 each month. I set up auto pay for $100.00 per month. My interest rate was 1.99%. Out of the $100.00 payment they charged me $86.40 in interest. I sent them another $500.00 to which they charged $23.03 in interest. I've asked repeatedly for an explanation and non reply. On Monday I wired the funds to pay off the loan and they applied it to the wrong account, and charged me for accepting the money. How does that work? I notified them that the wire transfer was coming on Saturday to pay off the loan.
  I'm sure that they'll figure out more ways to milk money out of me for bogus charges. I want to be rid of them ASAP. I also think they owe me some refunds and an explanation. Please help!
  

  Business Response

  Date: 11/21/2022

  Business Response /* (1000, 5, 2022/11/08) */
  11/08/2022 VIA Electronic Mail
  Better Business Bureau of Central Florida, Inc.
  1600 S. Grant Street
  Longwood, FL 32750
  RE: ******* **********, Case # ********
  Dear BBB Consumer Affairs Representative:
  Thank you for forwarding Mr. ******* **********'s ("Mr. **********'s") concerns regarding Addition
  Financial Credit Union ("Addition Financial" or "Credit Union"). Addition Financial's Legal Department has
  reviewed Mr. **********'s concerns in an effort to ensure that Mr. ********** was treated properly by
  the Credit Union.
  In Mr. **********'s complaint, he objects to the manner the Credit Union applied funds he provided to
  repay a solar equipment loan. He also takes issue with the amount of interest he was charged and a wire
  payment fee he incurred related to the prepayment of this loan.
  Mr. **********'s previous loan payments have been reviewed and found to be proper. Mr.
  **********'s initial payments were comprised primarily of interest because of the length of his loan (30-
  year term). Additionally, since the time of Mr. **********'s initial complaint, Addition Financial has
  successfully processed Mr. **********'s loan prepayment, effective October 24, 2022, and refunded the
  wire payment fee that was initially charged to him. We hope this resolution satisfies Mr. **********.
  If Mr. ********** has any additional questions regarding this matter, he may contact me directly at
  ************************ or *************
  Regards,
  Joe
  Joseph A. M*******, Assistant General Counsel
  Addition Financial
  1000 Primera Blvd.
  Lake Mary, FL 32746
  ***************************************
  
  
  Consumer Response /* (3000, 7, 2022/11/08) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  I'm just happy to be done with them. I would not ever, do business with them. I had a difficult time getting anyone to respond until I complained to the BBB. Then and only then, did I get some results. I'm NOT satisfied with how they handled the whole situation, but I've suffered enough brain damage trying to deal with them. I just want to move on!
  I'm not satisfied, but please close the case. A BIG THANK YOU TO THE BBB!