Complaints

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

close

Find a Location

Baxter Credit Union has 5 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Baxter Credit Union

  340 N Milwaukee Ave Vernon Hills, IL 60061-1533

  
• 

  Baxter Credit Union

  415 S Main St Crystal Lake, IL 60014-6204

  
• 

  Baxter Credit Union

  1 N Field Ct Lake Forest, IL 60045-4810

  
• 

  Baxter Credit Union

  1 Baxter Pkwy Deerfield, IL 60015-4625

  
• 

  Baxter Credit Union

  25212 W Il Route 120 Round Lake, IL 60073-9610

  

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:05/21/2025

  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.

  Yes I am asking for a restriction to be removed that I was told after 6 months it would be reconciled and removed! I've did my part and I don't want to put in several complaints. When I was told in 2024 six months and without a debit card no over draft. Now that is executed meaning no longer an rule of what you all tell the system to corelate into one. I would kindly ask again for the restriction to be removed as it is not to be revoked beyond the 6 months period.

• Initial Complaint

  Date:05/12/2025

  Type:Service or Repair 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 bank account with ********************** was comprised 05/11/2025 for a transaction from a ****** account at ******* *********************- I canceled my debit card immediately and called the bank to ***ort the fraudulent activity. The ***resentative were very nonchalant about me ***orting this activity and the very next day 05/12/2025 I called again to make sure to request a credit for this activity and told this will take up 10 business days for me to receive my money back, I later received a call from ************ a *** pretending to be from the *** fraud department about "BAXTER C.U SECURE FRAUD ALERTS: Did you attempt a transaction with ZELLE for $1,496.52 CASE #****? Reply 1/YES or 2/NO. Reply STOP to opt-out." I then received a call from this scammer and notice after they asked from my pay day that this call was off. I then called *** back again to ***ort this activity and held for over 40 min after having to call back a second time !

  

  Business Response

  Date: 05/23/2025

  We have completed our investigation. Please see the attached file for more information. *********, ***.

  Customer Answer

  Date: 05/27/2025

   
  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:05/06/2025

  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 have been a member with Baxter for years. All of my employer payroll check is direct deposit. The problem with Baxter here lately is their terrible customer service reps. **** one that you speak with gives the customer a different response only to find out none of them provided the customer the correct information. My biggest issue here with this institution is regarding a deposit that I made into my checking account on 05/05/2025 @ 9:30am in the amount of $4,258.75. Now prior to that I had a current balance in the account of $791.12. When I arrived back home I notice my monies was not appearing in the account. I contacted *** immediately to find out what was going on & I spoke with **** **** & he assured me everything was ok, that *** release only a portion of the my money due to a hold being place for verification. That was fine, it took my balance up to $1541.12 to cover a rental payment that I had to cover the ************************************************************************************************ death due to the overbearing additional fees of $29 which poses a hardship for me & my family. Today they pull the portion of $750 back out of the account & then made the hold period for longer than I was initially told until 05/07/25. Now it have been change to 05/14/2025. This is unacceptable, I have family to feed, not to mention the bank cheating me out of a $29 fee for overdraft on top of the amount that was overdraft when I have over $4,000 there in their bank. I spoke with **** I was told be rep ***** to send a copy of the paystubs to ********************** & see if my monies could be released sooner & I will hear something by the end of business day today. Now I call back & I am told they do not know when it will be. Tomorrow my account will go into overdraft. I feel that I am being vandalize and hoodwinked to be cheated out of the extra $29 fee & money when they should not be the case. Money is there. I want this resolve & to speak with a supervisor. 

  

  Business Response

  Date: 05/19/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.

• Initial Complaint

  Date:05/05/2025

  Type:Service or Repair 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 have a savings account and a line of ********************** through ***. While I've had issues with them for a couple years now, this is the latest (and by far most aggravating) issue with them. In an attempt to pay my installment back on my line of credit, I'm told my account is restricted from paying from an external account (which my checking account is NOT through them. I call them today (5/5/25) and they wanted to verify activity on 3/27 from an android phone (which is verifiable as my secondary phone is an android and I tried making a payment to my account on 3/27. The *** told me the information receive should satisfy why my account was restricted and i should hear the resolution in a day or 2. It wasn't 2 hours later I receive an email that my request to have the restriction removed has been denied. How am i supposed to pay my loan back if my account is restricted?

  

  Business Response

  Date: 05/09/2025

  We have completed our investigation. Please see the attached file for resolution. *********, ***.

  Customer Answer

  Date: 05/09/2025

   
  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:05/02/2025

  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 lost my job in October 2024. I currently have no consistent income source. I am working with a debt management/ credit counseling program (******************). Our goal is to decrease the monthly payment and the interest rate for my debt. I am still responsible for the principal amount. I am still paying all my debts through ******************. This is not a settlement. *** is not accepting ********'s proposal. And, I am also not eligible for ***'s Loss Mitigation Program because I don't have a steady income stream. I don't know what my other options are at this point, even after 5-6 calls with *** Representatives. 

  

  Business Response

  Date: 05/21/2025

  We appreciate your patience while we researched this matter. Please see the attached file for resolution. Sincerely, BCU. 

  Customer Answer

  Date: 05/21/2025

   
  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:04/23/2025

  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.

  *** canceled my credit card due to fraud in December 2024. They transferred all my debt to a new credit card that I have paid fully. However I keep receiving phone calls from *** non stop for late payments to the credit card that they already closed. I have contacted several times the department of customer service to clarify the situation. I have even received emails harassing me to pay or they will report me to affect my credit. Yesterday they called again to collect money from a credit card that was closed. They used the term delinquent. I have no delinquency with the bank and I am tired and upset that they keep interrupting me with their calls and their arrogance that it is not only one month I am behind but rather several months despite so many times I have explained to the office of Collections that it is a mistake in their system. Every time I have to be transferred to customer service that tells me that they put a note and it will be solved. Obviously it is still unsolved as I got another call yesterday.

  

  Business Response

  Date: 05/13/2025

  We appreciate your patience while we researched this matter. Please see the attached file for resolution. Sincerely, BCU. 

• Initial Complaint

  Date:04/01/2025

  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.

  Hello, I have been a customer with *** for some time now and have a checking account, a ********************** card, and LOC. My payment history has been exceptional until recently when I was hospitalized with the flu and pneumonia, I was off of work for 3 weeks and unable to work, or care for myself. My checking account went negative mainly due to automatic withdrawals some for less than $5, and I was charged $29 each time. I am asking to please reverse the fees so that I can make my account positive. I have 5 children and when I'm well and working I make well over 6 figures a year. If need be please remove the courtesy payment service so that this wont happen in the future. I can make the account positive today just in this economy every little bit helps. I have two checking accounts and over the last couple weeks received fees on both I believe.

  

  Business Response

  Date: 04/09/2025

  We have completed our investigation. Please see the attached file for resolution. *********, ***.

• Initial Complaint

  Date:03/26/2025

  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.

  *** is charging me a fee of $29 monthly due to BCU not being listed on the title of my vehicle. I have been working with *** for several years to get this corrected. Every time I call to have it resolved they come up with a new obstacle to prevent the resolution of this issues. I have cooperated with every request and in November of 2023 they submitted a request to the *** for the title. Months went by and I called to check on the title. *** stated (on every call) that they are waiting on the **** After 6 months they said they would contact the ***. Today, I received an email that I am still being charged a fee of $29 and that they now need a divorce decree. I asked why they needed that if both myself and my ex husband signed the document so they can get the title and it was sent to the ***. I did not receive an answer and was told I couldnt speak to anyone in the title department. I feel the company is creating barriers to obtaining the title for the purposes of continuing to charge the $29 fee monthly. I am asking for ALL $29 fees be credited back to my account and for *** to obtain the title from the *** for their records. I have already submitted all needed documents.

  

  Business Response

  Date: 04/03/2025

  Thank you for bringing this matter to our attention and the opportunity to reach an agreement. Sincerely, BCU. 

  Customer Answer

  Date: 04/03/2025

   
  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:03/21/2025

  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.

  On march 14 2025 I was approved for a checking account and new membership with *** basically for the SECOND TIME. Unfortunately when looking for financial products from credit unions who service the *********** area, *** actually truly does have some of the best rates AND products that I have seen in my city. For that reason, that is why I was expecting equal opportunity to credit as financial institutions should be equal. However this was not the case in this instance. I was only met with cold and rude customer service. Last year I previously had a membership that was a year old but dormant. I then started activity with the account in 2023, with a resulting closing of the account because of a certified money order (cashiers check) which they literally refused to 2 the remitter of the check or the business that wrote it and instead froze my account for more than a week and held the check for more than two weeks before releasing it, at that point I was so emotionally upset that I went to the branch at *************** and withdrew all my money and closed the account and even that day the representatives were just so rude and had me me feel as if i did something wrong, all stemming from my opting out of moving forward with a secured loan application - when asked for a document regarding my residency because i was in the process of moving. This somehow - from the white representative who was also ill informed and didn't know much about the process of what I was inquiring about which was secured loan products, that then turned in to me leaving to only basically almost a week later randomly have my online access frozen with no explanation or call, once i did call they explained it was for the deposited check but then when they just closed my new account days ago they said it was because i refused to give member ship documents. how? I was ALREADY A MEMBER literally with a open functioning account. Some one please help me I wanted access to the credit union to change life.

  

  Business Response

  Date: 03/21/2025

  see attachment

  Customer Answer

  Date: 03/21/2025

   
  Complaint: 23098821
  
  I am rejecting this response because: I have no issue submitting the information but the response is simply not true that is not what happened and it seems BCU is dodging accountability. How can you ask for membership documents AFTER an account had been open with a debit card etc - that is a lie and that is in fact a lie. I just want to say, that was never communicated to me at all only until now a year later, it was made to be about the deposit check for $24,000 that was held excessively. However, I have submitted in this chat the requested document. Yes I would hope that *** is an equal opportunity lender. Thank you for a speedy response and looking forward to having this issue resolved.
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 03/28/2025

  We have completed our investigation. Please see the attached file for more information. *********, ***.

  Customer Answer

  Date: 03/28/2025

   
  Complaint: 23098821
  
  I am rejecting this response because:
  
  The credit unions refusal to be amicable in this situation further illustrates the case of discrimination.
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:03/20/2025

  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 have an auto loan with BC* and it appears they have lost my money order after receiving it certified mail and contacts me daily about ********** appears *** lost a attempting retaliation tactics and BC* refuse to apply my insurance even after sending six times and will not apply my insurance for my auto to my account. According to *** this is costing me an additional 5000 dollars for their CDI even though the insurance was given to them via email six times It appears *** has decided to add late fees from a money order they lost It appears that they wish to harass me for filed a complaint with the regulatory agency and the money order was sent CERTIFIED MAIL *** RET*RNED RECEIPT and the representative from *** states they received the money order but does not know why it wasn't applied. They call me daily for payment but won't send the money order ******* appears that *** has taken funds I applied to my credit card payments and placed the payment on an old post card I closed long ago again the representative on a recorded call states unsure why the funds were applied to the old card on file It appears that *** has changed their hiring criteria and has decided to hire circus monkeys to handle consumers accounts because only circus monkeys could be making these many mistakes .I have reached out to *** several times and nobody documents calls and if your calling after business hours your getting someone that does not speak English and is a third party contracted to take calls apparently our of the * S as sometimes I hear the roosters in the background .This is an awful banking institution attached is proof and if I could record the calls you too would hear the ************ me for damage to my credit report and fraudulent activity as BC* repotted inaccurate amounts monthly to my credit bureau damaging my credit they also had the old credit card that was lost placed back on my credit report so it looked like two credit cards and I only had one

  

  Business Response

  Date: 03/31/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.