Complaints

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:08/27/2023

  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 would like to make a complaint against Associated credit union (GA)...recently Associated Credit Union charged off a loan (personal) I had with them...immensely harming my credit...I am making this complaint because I do not believe they was operating in "Good Faith "by doing so....When I got the loan I took out insurance with them to cover my payments if I was unable to make my payments for a while...I spoke to the collections department at Associated Credit Union and explained to them that due to health issues (high blood pressure and diabetes),I had missed some work time...also my brother (******)had passed and I had to help pay for his funeral...I was under the impression when I took out the insurance with Associated Credit Union that insurance would cover me under such circumstances...Although I paid the insurance payments with my monthly payments...they never covered me for not even one payment...what was I paying for insurance for?Also, I had an account with ******************** for over 20(twenty)years (Although my credit might not been the best at times)and I have paid loans off before...I also requested that my payments be deferred for a couple of months until I could catch up...Even though I was paying insurance and I had been dealing with them (Associated Credit Union)for so long...I was still denied even a deferment...I have been on my job for about 24(twenty-four)years and until recently (when my job changed management)I had direct deposit with Associated Credit Union....I was planning on reinstating it but, I hadn't gotten around to it yet...I acknowledge Associated Credit Union might have been in their rights to charge off the overdraft checking account (I was going to take care of that also)...I do not believe they (Associated Credit Union)was operating in "Good Faith "when they charged off my loan (personal)giving that I was paying them (Associated Credit Union)insurance on the loan to cover such things...Also, I made other efforts (deferment)

  Business Response

  Date: 08/30/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the ************************************ Act and 10 CFR ****. Therefore, we deny each and every statement or allegation in your letter of August 27, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.

  Customer Answer

  Date: 08/31/2023

   
  Complaint: 20527991
  
  I am rejecting this response because:
  I didn't know that I had to be totally disabled before the insurance would cover my loan payments...if I had known that I would have never taken out the insurance...after explaining my situation Associated Credit Union would at least give me a few months deferment on the loan...they said in their answer that I didn't qualify for another deferment...they never gave me any deferment on that loan. I didn't expect the insurance would make the payments for me...only cover them until I could make them...
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:08/09/2023

  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.

  On July 20th, my *** savings account was in the negative, as it was hit with a $30 *** Fee. It appears that a payment tried to come out, a couple of days before my check processed. From 7/20-7/27, I was charged 11 *** fees, leaving my account negative $323.71. I called ACU and was told there was nothing they could do. I urged her to try again & was firm in letting her know that if nothing was done about these fees, my account would STILL be negative once my check processed, which would mean that any other payments would fail & charge me fees AGAIN, which would keep me in a never-ending hole, because I am already going paycheck to paycheck & cannot afford these. I also informed ACU that if they removed the *** fees my check for $215.49 would cover all of the failed payments. She then reached out to a manager & after being on hold for about 15 minutes, she said they could reverse 4 of the 11 fees ($120) and stated they could never do any more, which was something but again, would leave my account negative $203.71. Then, between July 28th and Aug. 7th, I have been hit with 8 more $30 *** fees, which is what I told ACU would happen, if they were unwilling to reverse the prior ones. I even had a $105.60 payment adjustment from my employer (part of the reason I received the 1st failed payment was because prior paycheck had an error & was low) that was eaten up by these fees. Now, when I get paid again tomorrow, most of it will be eaten up by those fees as well. I have been hit with 19 *** fees, in less than a month. I do not understand why ACU allows multiple attempts on these payments, when there are insufficient funds. If money is low, how is charging struggling people supposed to help them fix their low-money issue? It is INCREDIBLY predatory, when companies like ***** Fargo will just decline the purchase altogether or will charge 1 fee, at worst. I can't live, unless this receives some resolution. It will never end. And my other bills won't stop coming.

  Business Response

  Date: 08/21/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the ************************************ Act and 10 CFR ****. Therefore, we deny each and every statement or allegation in your letter of August 16, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.

• Initial Complaint

  Date:08/01/2023

  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 had an auto loan through associated credit union that was paid off after five years in November 2022. I received an email about charges on my account due to inactivity with associated credit union. I never authorized the opening of an account other than the papers I signed for financing at the dealership. No one notified me that I authorized the opening of an account other than the papers I signed for financing at the dealership. No one notified me that I was opening a bank account. ********************** has been charging me five dollars a month for an activity on an account that I did not authorize opening. Ive reached out to associated credit union with absolutely zero willingness to work with me on their side. Somehow theres $50 or so remaining in the account after its been charged for inactivity for the past eight months or so. Ive never deposited money into this account nor have I taken money out because I never knew it existed. Im seeking some kind of fair resolution to this.

  Business Response

  Date: 08/02/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the ************************************ Act and 10 CFR ****. Therefore, we deny each and every statement or allegation in your letter of August 1, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.

• Initial Complaint

  Date:07/19/2023

  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.

  Associated Credit Union has been overcharging late fees for my vehicle loan account. I disputed late fees in late Apr. 2023 which were corrected days later. However, Associated Credit Union continues to charge multiple late fees after my 10 day grace ****** on some partial payments that should only reflect one late fee per monthly payment owed. I have been charged over 6 late fees recently between 05/01/2023 thru 07/19/2023. Associated Credit Union is also reporting incorrect/inaccurate balance and other derogatory info in my credit profile due to this issue. Associated Credit Union restricts access to pay my vehicle loan payment after the 10 day grace ******, contributing to having to pay late payments. There may be other consumers who are experiencing this but may be unaware that it is unlawful.

  Business Response

  Date: 07/26/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the ************************************ Act and 10 CFR ****. Therefore, we deny each and every statement or allegation in your letter of July 19, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.

• Initial Complaint

  Date:06/07/2023

  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.

  Received a letter dated May 18 from Associated Credit Union stating that their records indicate I did not provide a copy of my HOA master policy. I provided the copy of the master policy on April 21, ****. This is the same policy I have provided Associated Credit every year since I purchased the townhome about 12 years ago. Reference ID: *****************.

  Business Response

  Date: 06/13/2023

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the ************************************ Act and 10 CFR ****. Therefore, we deny each and every statement or allegation in your letter of June 7, 2023. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.

  Customer Answer

  Date: 06/13/2023

  I am an Associated Credit member/customer.  Please see attached letter sent to me from Associated Credit.

  The reference ID number previously provided to you is: 7562-2317-1892-97.

  ***************** Harbour, Property: ******************************************************************; 30307

  ************, *****************

   

  Thank you for you prompt attention to this matter.

   

   

  Business Response

  Date: 04/30/2024

  We can neither confirm or deny that the persons noted are members of the Credit Union; and we cannot respond to any other statement in the letters per the ************************************ Act and 10 CFR 1016.  Therefore, we deny each and every statement or allegation in the attached letters of 06/07/2023, 10/03/2023, an 10/24/2023.  

   

  If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so.  If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.

   

  Sincerely,

   

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

  Associated Credit Union | Senior Risk Mitigation Specialist

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

• Initial Complaint

  Date:09/14/2022

  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.

  Im reaching out about a situation I had with making a payment on a car loan with Associate Credit Union. In March of 2020 I made my payment online like I have for the past 3 years at that time with no issues . I receive a call in month later stating we have not received youre payment and its 30days late . When I made said payment , I received an email stating that it was receive and they also stated that we made attempt to mail you at your address. I then asked what address did they have on file and it was an old address but , I updated my address with them and I even told another associate the new address again. The associate told me she updated it but , when I spoke with ** assuming the supervisor she stated that she did not update your address and asked for the address again in the system and also she went back to listen to the recording and confirmed that I gave her my new address and apologized. I then started to panic because this is now on my credit and she said that I would have to dispute it to get it removed . I did dispute with the credit bureau online and nothing happen . I have recently just experienced the same thing again with payment of my loan . I made a payment last week and they have not taken it out and called me today saying it is delinquent . I already made contact before hand because I saw that it was still in my banking account and they told me that the online payment on their site is with a third party and they cant do anything about it at this time . This is like dejavu again and again and expressed that I have the tracking number for my payment like last . They looked it up and saw that the third party company had where they would take it out on the 15th , which put it over the time that I paid it and make it late . I then expressed my frustration about this and that I should not be the blame for this because I paid it and have proof of the email . I have more to say but, so little space to say it

  Business Response

  Date: 09/22/2022

  Thank you for your letter. We can neither confirm or deny that the person noted is a member of the Credit Union; and we cannot respond to any other statement in your letter per the ************************************ Act and 10 CFR ****. Therefore, we deny each and every statement or allegation in your letter of September 15, 2022. If a consumer wishes to file a complaint with us or any regulator that has jurisdiction over the Credit Union, he or she is free to do so. If the person in question is a member of our Credit Union, we will respond to them directly as required by applicable laws.