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.

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  Baxter Credit Union

  340 N Milwaukee Ave Vernon Hills, IL 60061-1533

  
• 

  Baxter Credit Union

  1 N Field Ct Lake Forest, IL 60045-4810

  
• 

  Baxter Credit Union

  1 Baxter Pkwy Deerfield, IL 60015-4625

  
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  Baxter Credit Union

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

  
• 

  Baxter Credit Union

  415 S Main St Crystal Lake, IL 60014-6204

  

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:12/15/2022

  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.

  I opened an account with BCU and subsequently got a new car loan. I provided proof of insurance multiple times and was still charged for insurance coverage to the tune of NEARLY $4,000. FINALLY in July they said that they got the proof of insurance and it would be credited to my account. TO DATE, DECEMBER 15, 2022, IT HAS NOT BEEN CREDITED. Not only that, they DRAINED my savings account, transferring money to my loan on an account that I have automatically paid out of my checking account AND HAVE NEVER BEEN LATE AND ALWAYS PAY A DAY BEFORE THE DUE DATE. They will not answer my inquiries as to why they are siphoning money out of my savings account to a zero balance for a loan that is never late and always paid on time. NO ONE WILL ANSWER MY INQUIRIES AND SINCE THEY ARE A FEDERAL CREDIT UNION, THERE IS NO LEGAL REMEDY, at least that I can find. I plan on exploring the legal route as this has cause great anguish and anxiety. MY SAVINGS ACCOUNT HAS BEEN DRAINED FOR NO REASON WHATSOEVER AND I'VE BEEN CHARGE FOR INSURANCE ON A CAR THAT HAS NEVER HAD LAPSE IN COVERAGE. The draining of my savings account and charging me exorbitant frivolous insurance charges PLUS INTEREST is thievery to a criminal degree

  

  Business Response

  Date: 12/21/2022

  Please see attached response 

  Customer Answer

  Date: 12/22/2022

   
  Complaint: 18578035
  
  I am rejecting this response because:

  
  

  I provided BCU with proof of insurance in November 2021.  Insurance was issued through USAA in my son's name.  I sent to them a screenshot of the dec page, which is what my son sent to me.  He did not want to send the whole policy, which was accessible online as it contained other information he did not want disseminated.  This was not good enough for them, so we had USAA send them information as to the validity of the policy.  This, too, was not good enough for them.  Since I had to deal with my son (who lives out of town) and then send what he sends to me to BCU, I bought a policy with my insurance carrier, ****.  I immediately sent to them Proof of Insurance.  This was not good enough for them.  They wanted a "Dec Page", which a "Proof of Insurance" is another name for a dec page.  However, no matter what proof I sent to them, it was not good enough for them.  I FINALLY had to have my agent call them to verify that the car was covered.  By now, almost a whole year of dickering as to what was good enough for them, they agreed to refund PARTIAL of the exorbitant NEARLY $4,000 IN INSURANCE COVERAGE (I pay less than $900 per year for the car, and it's a 300/500 policy!!-- they charged a lifetime worth of insurance, which from other complaints, I am not the only victim of these money grab tactics).  And guess what? My agent did not have to provide them with ANY additional documentation than what I gave them.  Suddenly, the Proof of Insurance was good enough.  So, I will still have to pay the exorbitant partial amount because my son is the primary driver of the car and he is no longer in the area and he no longer has USAA.  I thus do not have access to that documentation as it is an online account with a policy that gets mailed to a different address (he dropped them after I got the **** policy).  I am working with USAA to get this information (which was uploaded to BCU on more than one occasion, but whatever you upload is not good enough for them (see other complaints)).

  
  

  As for the withdrawals out of my savings account, I have PROOF that I paid OVER the minimum payment due every month.  I can show it taken out of my external financial institution and I can show it WAS PAID to BCU every month without a lapse or delay.  Some months, they took the over-the-minimum payment AND withdrew money from my savings account the same day or a day later!!!!  Miraculously, now that they've drained my savings account, suddenly the amount I've been paying for a year is good enough and I have never gotten a call or a letter or an email stating that I don't have enough to make the payment. I have PROOF of timely payments exceeding the minimum required and have NEVER been late.  As as matter of fact, I pay BEFORE the due date every. single. month without delay and my external financial institution (which happens to be a GREAT credit union) has ALWAYS had funds to cover this over-the-minimum payment.

  
  

  At the very least, I expect my savings account be restored, with interest and dividends IMMEDIATELY.  There is no valid proof that I did not have sufficient funds and my external financial institution (the great credit union) will back this up as reflected in my statements and balance at the times the payment was to be withdrawn.  On the extremely unlikely occasion that there are not sufficient funds in my checking account to cover any payments, my GREAT credit union will withdraw the monies from my savings account, which has over thousands in it to cover any shortages (they don't drain my savings account with flimsy excuses and I've been with them for 22 years without a problem.  As a matter of fact, I have a car loan with them now and am paying more than double the minimum payment due and they haven't taken money from my savings account once).  If, by some bizarre quirky circumstance, I have to use the thousands I have in savings and there is none in there to cover a payment, I have an overdraft agreement with the great credit union, which will cover all insufficient funds up to $3,000.  So, there is NO WAY I did not have enough funds to cover ANY of the payments they claim I didn't have.  THIS is INSULTING to insinuate I maintain low funds in an account I've had for more than 22 years and with a financial institution I have a great relationship with.

  
  

  I TOTALLY reject their response and am pursuing additional remedies to rectify this situation once I get all documentation from USAA, **** and both credit unions. I have an excellent credit score WELL ABOVE the average and have excellent relationships with all of my creditors, EXCEPT BCU. I pay ALL of my bills on time and 99% of the time I pay well over the minimum due.  All credit cards are paid IN FULL within 28 days and all loans that are not paid off in 30 days off are paid well above the minimum payment due every ***** days.  I am not a deadbeat and I am a responsible person who always pays my debts on time without lapses or delay.  To have BCU treat me like this is insulting and, based on other complaints, they are not a stranger to doing the same to others.  I hope that there are enough complaints that they are investigated.

  
  Sincerely,
  
  *****************************

  

  Business Response

  Date: 01/04/2023

  Please see attached response.  

  Customer Answer

  Date: 01/09/2023

   
  Complaint: 18578035
  
  I am rejecting this response because:

  
  

  I called and canceled the second payment the exact same month I noticed it was coming out twice. That is reflected by the credit in 2021. If BCU STILL has the second payment set up it's BCU's error. Had I known the practices of BCU I would've gotten the name of the lady I spoke to and asked for the reversal in writing. Now that I know, others will know as well.  I was putting that money in savings to help others in need. My sole purpose was to put away a little in a safe place to pull from when I met someone who was worse off than us. To see that that money was siphoned out was heartbreaking and prevented me from completing my mission. When I noticed a second payment was coming out TWO ***S AFTER THE LAST PAYMENT I canceled it immediately by phone. The first payment is scheduled 2 days before the due date. If the payment doesn't hit BCU by the payment date, that should not be the consumer's problem. I have it set for an electronic transfer from bank to bank 2 days before the due date. It comes out of my financial institution THE *** I have it set up. What happens between when it comes out of my bank and hits BCU should not be a consumer punishment. It's GONE from my account.

  
  

  I don't care who benefits from the **** It's exorbitant.  The fact that one is charged 40 times the amount one pays insurance on a vehicle is ludicrous and close to extortion and the insurance commission needs to know this is happening.  I am reporting that as well. I pay $830 YEARLY with a $250 deductible for 300/600 coverage! To be charged over $3,000 with a deductible of "$1,000 or less" is well above industry standards. Who knows what the limits are. Probably minimum.

  
  

  I REJECT the rebuttal 
  
  Sincerely
  *****************************

• Initial Complaint

  Date:12/12/2022

  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.

  After the signup process, there has been more issues that resolutions. Almost every time I call I am never satisfied or confident that the representative gave me correct info. On multiple occasions *** been told that someone from member services will call me back, and I never receive a call back. often times Im told different things by different representatives. Most recently, I added an extern bank account to make my credit card and loan payments. I went through the process of verifying the small amounts that were deposited by BCU to link the account successfully.On 12/8/22 (thursday) I made a credit card payment from the external account and noticed the next day that it was not posted, or even in the transfer history. I made another payment on 12/9/22 and noticed the same thing. I called BCU and spoke with a representative asking if they were able to see the payments on their end. I was told that there was a system error where all BCU member accounts were not able to make payments via external accounts. I was told that they should post by Monday. Today is Monday, I notice the payments are still not posted. I reached out to a representative that told me the reason I cant make payments is because my account is locked. I explained that no one told me this information when I inquired about why payments could not be made last week. I also explained that I never received anything in writing about the account being locked or even a reason why. This is completely unacceptable! I did not leave citizens bank from having an account with them for over 10 years to experience this level of foolishness. According to your representative, my statement end date is tomorrow and now a higher utilization will be reported since my two payment did not go through last week, and as a result my credit will drop. This was the last straw for me and I will be searching for a better credit union after this horrible experience.

  

  Business Response

  Date: 12/22/2022

  Please see attached response.  

• Initial Complaint

  Date:12/04/2022

  Type:Order 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, BAXTER CREDIT UNION and do not have a contract with convergent.they do not provide me with the original application like asked .

  

  Business Response

  Date: 12/15/2022

  Please see attached response.  

• Initial Complaint

  Date:11/28/2022

  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.

  Absolutely terrible financial institution. They restricted my account for a check that had insufficient funds. They held my available balance for weeks while it cleared through the other financial institution and now they are restricting me from making any deposits into my account. Every morning they charge me overdraft fees for transactions that they dont even cover because they also restricted overdraft protection. So theyve tied my hands behind my back not being able to fund my account and not allowing transactions to clear, essentially setting me up to pay them hundreds in fees. They were never at financial risk as they immediately held my cash/available funds while the check processed through the other account. They refuse to lift restrictions, give me deposit access, or cover transactions. The only thing they allow are fees to be charged.

  

  Business Response

  Date: 12/07/2022

  See attached response. 

• Initial Complaint

  Date:11/09/2022

  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 was charged over $9,300 in CPI for "failure to provide proof of coverage" for my auto loan. I was notified by BCU on 9/7/22 that my insurance waiver ended on 8/1/22 and that I needed to extend the waiver or provide proof of coverage. Over the following months, I called BCU over 12 times, spoke to 20+ representatives, and spend over 14 hours on the phone trying to resolve the issue. BCU continuously told me they were experiencing delays and transferred me between several different departments. It wasn't until 10/27/22 that BCU notified me that the waiver would not be extended and what coverage I needed to have. I got the coverage immediately, but BCU only refunded a pro rated amount of the $9,300 CPI charge. The lapse in coverage was 100% due to BCU's failure to respond to me and communicate the issue/resolution. As a result, BCU should refund the entire $9,300 charge given their failure to communicate, in a timely manner, what the issue was, that the waiver would not be extended, and what coverage I needed to get.

  

  Business Response

  Date: 11/18/2022

  Please see attached response. 

  Customer Answer

  Date: 11/19/2022

   
  Complaint: 18383591
  
  I am rejecting this response because the company ignored a dozen or more requests from me to resolve the issue, and for a period of nearly 2 months, failed to adequately communicate what I needed to do to get the *** removed. 

  
  

  *** claims to have made several attempts to reach me via mail and email. I only received one of these communications and called promptly after receiving it. I was told that they would communicate the issue to the proper department and that I would receive a call back. I did not receive any further communication from *** and made numerous attempts to contact them (outlined below):

  
  

  9/16/2022: Contacted ***, NOT State National (as outlined in ***'s response). (I HAVE A TIME STAMPED VERIFICATION CODE THAT WAS TEXTED TO ME FROM *** SUPPORTING THIS) spoke to a member of the ****** Relations team. The *** employee told me I needed to speak with someone from the Titles team. They transferred me, but no one answered so I left a voicemail asking for a call back. I WAS NOT TOLD THAT I WOULD BE CHARGED *** IF I FAILED TO GET COVERAGE.  

  
  

  9/22/2022: Contacted ***, following up on the call made on 9/16 as I had not gotten a call back. The *** employee told me they weren't able to help me and they could try transferring me again. Again, no answer from the titles team. They also mentioned that I could try calling their partner company State National.

  
  

  9/27/2022: After several more days of not hearing back from ***, I contacted State National. State National claimed that there was nothing they could do and that I needed to go through ***. 

  
  

  10/14/2022: This is when I first noticed the charge on my account. NO COMMUNICATION WAS GIVEN FROM *** THAT THIS HAD OCCURED or how the $9,309 was calculated. Please also note that the amount is astronomically overpriced. I have numerous quotes from 3rd party insurance providers that were offering to charge between $450 and $750 for a 6 month period (with the appropriate coverage options to meet ***'s requirements). The $9,309 is egregiously above a market price and *** clearly failed to make any attempt to mitigate damages here.

  
  

  I called *** on this day as well and spent 2 hours on the phone with numerous representatives trying to resubmit a storage waiver as this is what I was told I needed to do. I was finally able to get this completed and WAS NEVER NOTIFIED THAT *** DENIED THIS REQUEST (as stated in ***'s Response). I WOULD ASK THAT *** PROVIDE PROOF OF THIS COMMUNICATION. I was also told that the insurance waiver could be back dated. As a result, I did not see a need (nor was I told) to get full coverage on the vehicle at that time. Please note that I had removed coverage with my insurance provider for a period of time given I figured if *** was going to charge me for it that I shouldn't be double paying. I shortly thereafter realized it was in my best interest to maintain coverage myself and so I added it back. 

  
  

  10/19/2022: Contacted *** 3 times this day trying to follow up on the storage waiver request submitted on 10/14. Spoke to numerous representatives, not a single person told me the request was denied. I asked that the issue be escalated and was told I'd receive a call back from a member of their Leadership Team. I received no further communication from ***.

  
  

  10/21/2022: As I still had not received a response from ***'s Leadership team, I called them again. Submitted yet another request for a storage waiver as I was told by the representative that the previous ones were, "not in the system". 

  
  

  10/26/2022: Followed up on the storage waiver request made on 10/21. Was told it was still in process.

  
  

  10/28/2022: Called again asking about the storage waiver submitted on 10/21. Was told it was denied for the reasons noted in ***'s response. THIS WAS THE FIRST COMMUNICATION THAT WAS MADE TO ME THAT MY STORAGE WAIVER REQUEST WAS DENIED. IT WAS THE FIRST TIME I WAS TOLD THAT A REQUEST COULD ONLY BE MADE FOR 6 MONTHS OUT OF THE ***** IF *** BELIEVES IT HAD NOTIFIED ME OF THIS SOONER I WOULD REQUEST THAT IT PROVIDE PROOF OF SUCH COMMUNICATION. 

  
  

  On this day I also asked that I speak to the head of the ****** Services team because this was not communicated to me when I signed my loan documents even though I had a specific conversation about it with my loan officer ************************ *** claims that it's in the loan documents, but I believe I was misled by their loan officer. Regardless, I have now accepted ***'s requirements around when and how often a storage waiver can be put in place.

  
  

  10/31/2022: Spoke to a member of the management team, spoke with **************************** They told me it was not something their department could change and that she'd have the manager of the titles team reach out to me.

  
  

  11/2/2022: Finally received a call from the head of the Titles team, *******************, (The first time I was able to speak to this department since the initial request to do so on 9/16). that was able to fully explain the insurance requirements to me, what coverage I needed, and what the rules surrounding storage waiver requests entailed. 

  
  

  I have accepted ***'s decision to only provide the insurance waiver for 6 months out of the year; however, I still feel that the significant delay on ***'s part to notify me that my insurance waiver would not be extended (which resulted in the period with a lapse of coverage) should result in an additional reimbursement. *** claims to have communicated this to me, and so I ask that *** provide proof that it denied my storage waiver request and communicated that to me before 10/28. I also again feel that the coverage *** purchased on my behalf was 6x to 10x more expensive than any other quote I received and that *** clearly failed to act in my best interest here and that I have received no communication as to how the $9,309 was calculated. I also ask that *** provide a response to this item as well.

  
  

  Sincerely,

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

  

  Business Response

  Date: 12/01/2022

  Please see attached response.  

  Customer Answer

  Date: 12/05/2022

   
  Complaint: 18383591
  
  I am rejecting this response because:
  
  BCU in its last response clearly notes that several members of its ****** Services team failed to transfer me to the correct departments and misstated information (all of which resulted in a further lapse in coverage and increased CPI cost). Regardless of whether these individuals have since been "coached", I was clearly negatively impacted and should be refunded because of it. 

  
  

  BCU still has not provided proof that it communicated to me that my insurance waiver had been denied until 10/28. THIS IS WHAT I WAS WAITING FOR AND WAS TOLD TO DO BY EVERY REPRESENTATIVE I SPOKE TO UNTIL 10/28.

  
  

  Also, my insurance agency is Allstate, not State National. I have submitted my insurance policy declarations page to BCU on at least 4 separate occasions since my loan was originated and BCU again was clearly made an error here. I wonder if this was part of what caused the issue in the first place. Regardless, it shows BCU's carelessness in this matter.

  
  

  If BCU continues to take the stance it has and does not issue me a further refund I intend to escalate this further and file suit.
  

  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:11/05/2022

  Type:Order 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 very disturbed and upset with BAXTER CU has not responded back to me I sent a letter requesting the proof of contract . I need these accounts deleted from my credit report they violating my right

  

  Business Response

  Date: 11/16/2022

  Please see attached response. 

• Initial Complaint

  Date:10/28/2022

  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.

  Hello, my zelle account has been removed from my account and Im being told this was from august in a previous complaint filed with the bbb.org the credit union agreed to unrestrict my account except for my credit card until balance is paid in full which was fine and both agreed upon. fast forward to October my ***** has been removed from my account and ** being told theyre not unrestricting it. I have been using my zelle for months with no problem. Im so confused

  

  Business Response

  Date: 11/09/2022

  Please see attached response. 

  Customer Answer

  Date: 11/09/2022

   
  Complaint: 18323899
  
  I am rejecting this response because: I am flabbergasted with the accusations that has been made against me. I will no longer do business with this company outside the financial obligations I am bind to.

  theres no truth or professionalism in this company. I never experienced being lied on wow.
  
  Sincerely,
  
  ***************************

  

  Business Response

  Date: 11/10/2022

  Please see attached response. 

  Customer Answer

  Date: 11/10/2022

   
  Complaint: 18323899
  
  I am rejecting this response because: unacceptable business practices and dishonesty 
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:10/23/2022

  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.

  I wish I could put zero stars, terrible experience. BCU allow someone to deposit my refund check for $25k into one of their members accounts. I dont have a BCU account and have not been receiving much help. They did not verify with TPG(company who sent the check) nor could they tell me how someone else was able to cash my check without it being me. Im not sure how they did it but they did. The check was sent to my old address, they told me it was put back in the mail on 09/21/22, 6 days later I was told by TPG my check was cashed into a BCU account, and cleared Tue 12:31am. How ironic is that. I filled a police report and got my lawyer involved. I know for a fact BCU knows because when I gave them my old address, the were able to find something and was communicating with the fraud department. The **************** specialists lady, wouldnt give me her name, very RUDE. Since Im not a member they cant give me a reference number. Any assistance, thank you. Just want MY Money.

  

  Business Response

  Date: 10/24/2022

  Please see attached response. 

  Customer Answer

  Date: 10/26/2022

   
  Complaint: 18300935
  
  I am rejecting this response because: I have already had the issuers send over my Affidavit and other supporting documents. It should not take anything time to get my fund backs. I was the one in fact who reported the crime to, BCU, TPG, ************* IRS, ETC. Its evident I was scammed, overwhelming.  It was cleared with no problems, my money should be returned no problem, with obviously fraudulent activities with their members account.  I have been waiting and doing my Due diligence. I dont feel the sense of  urgently, with a large amount, and would love my funds in my possession now. If you all can open a BCU account for me and you all put my funds in a account or something of that sort for me to utilize. Reissue a check directly to me you have my updated information, to issuers but asap. Thank you and would appreciate quick assistance. 
  
  Sincerely,
  
  ***********************

  

  Business Response

  Date: 11/10/2022

  Please see attached response. 

  Customer Answer

  Date: 11/13/2022

   
  Complaint: 18300935
  
  I am rejecting this response because: How long will it take to be reissued from 11/13/22? Its evident I was scammed. I know BCU and TPG has some dates to work out, but I would like my check in my hands. I sent over everything to prove its my funds but yet I still have nothing. Ive been patient but there is no sense of urgency. I have investments and people depending on me, everyday without my check it gets worst for my family and I. I just want this to be over so I dont have to contact neither entity anymore. So thank you and please lets get this done asap. 
  
  Sincerely,
  
  ***********************

• Initial Complaint

  Date:10/11/2022

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am submitting this request in reference to a complaint against Baxter Credit Union, also known as BCU. On Oct 4th my 2015 ************** financed thru BCU was paid off by Enterprise Car Rental Sales for a new 2020 ****** Rogue. After the check was posted there was and overage of $****** deposited into my savings account. After the funds was transferred into my account, I then transferred ****** into an external Navy Federal account via Zelle. On Oct 11th, the check for the 2015 ************** was reversed, unbeknownst to me along which has resulted in my account being ****** negative, which has resulted major side effects for me as the primary provider for my children. No one reached out to me in an effort to tell me that the check was not authorized, nor was there any form of communication about over drafting my account as a result of check being reversed. I am asking for the funds to be placed back into my account. A company of moral integrity would have reached out to a member before making such a drastic decision, not knowing the financial side effect that the member will suffer. This is absolutely hands down the worse Credit Union in the universe.

  

  Business Response

  Date: 10/21/2022

  Please see attached response.  

• Initial Complaint

  Date:09/29/2022

  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.

  on 9/11/22 I was approved for a $20K loan to consolidate credit card debt that was to disperse in 1 - 3 business days. I received an email on 9/12 saying the money was on the way. Knowing that the money was en route I did nothing to prevent several credit card payments from processing between 9/15 and 9/17. When I hadn't seen it by 9/15 I called both BCU and my bank. BCU confirmed that it was sent to the correct routing/account numbers but the bank had not record of it arriving (5th/3rd). BCU told me to wait one more day on the 16th I called back and lodged a formal request for investigation - the agent sent an email confirming that i should have an answer in 7 - 10 business days. In the meantime payments were withdrawn from my checking account causing overdrafts and in order to fund it quickly I had no choice but to take a high interest cash advance from my credit card. When I still didn't have the loan money on 9/19 I took the 401K loan that I had been avoiding. Today is 9/29 and I have called every few days for an update (we are now past 10 business days) and no one knows anything besides the fact that the investigation is ongoing. Today I called and spoke with a supervisor but was on hold so long that we arranged for her to call me back so I could continue my work day. She was supposed to call back an hour ago and I've heard nothing. In 2 weeks payments will start to be drawn from my account. I am hundreds of dollars and a credit rating hit worse off than when I started this and I still don't have funds or answers.

  

  Business Response

  Date: 10/14/2022

  Please see attached response.