Complaints
This profile includes complaints for Baxter Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 163 total complaints in the last 3 years.
- 42 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:03/17/2025
Type: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 a victim of identity theft caused by the ************ Breach. These accounts were opened fraudulently and they need to be removed from my credit report immediately.Baxter Credit Union acct#******
Business Response
Date: 03/25/2025
Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.Initial Complaint
Date:02/28/2025
Type: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 making payments to my credit card but the bank keeps applying the payments to my old deactivated credit card which is making me delinquent and ruin my credit report.This is the second complaint filed the first was the bank kept an old credit card that was deactivated and placed the new one on my credit report and it showed two different credit cards making it look like I had two different accountsBusiness Response
Date: 03/14/2025
Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.Initial Complaint
Date:02/21/2025
Type: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.
Asked to dispute $25.00 transaction and first time they told me it would be rushed and 5 days, next ****** said 10 days max for disputes, 3rd ****** said ***** days for disputes. Never a straight answer. Then I requested all my accounts closed, including debit card ending in 6012 so that nothing would come through. Now there is another charge for $79 that again I did not authorize as the account should have been closed along with the card the moment I called. **************** is now trying to make me responsible for the $79 and no answer for $25 BEFORE they close my accounts and cards.Initial Complaint
Date:02/21/2025
Type: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.
My debit card was closed without my permission. This meant I had absolutely no access to my money. I explained to customer service I was going to be traveling that same day and not having use of my card would mean not being able to pay for my hotel, rental car etc..... The only choses were to wait for a new card to mailed or pay a fee for an expedited card which still take 2 days. With today's technology and the urgent need I'm positive an immediate virtual card could have been issued. Bad business all around.Business Response
Date: 03/04/2025
Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.Customer Answer
Date: 03/04/2025
Complaint: 22971770
I am rejecting this response because: I was not offered a digital catd.More over the card should not be closed without my approval or without a digital option being immediately available.
Sincerely,
**** ******Business Response
Date: 03/07/2025
Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.Customer Answer
Date: 03/08/2025
It shows their unwillingness to do nothing. I will explore all other avenues to cast attention on their practices. I do not consider closed.
Sincerely,
**** ******Initial Complaint
Date:02/17/2025
Type: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 filing this complaint against Baxter Credit Union for inaccurate credit reporting and failure to follow proper dispute resolution. I settled my account with a third party, January, per Baxter Credit Unions handling of the debt. Despite this, they continue to report negative information, damaging my credit.I paid off my account via January and have proof of payment, yet Baxter Credit Union still reports a negative status. This violates the Fair Credit Reporting Act (FCRA) 1681s-2(a), requiring accurate reporting. Their failure to correct this issue has caused financial harm, including a lower credit score, higher interest rates, and lost credit opportunities.Baxter Credit Unions contract includes an arbitration clause, meaning disputes should have been resolved through arbitration before selling the account. Instead, they transferred the debt without proper resolution, breaching their agreement. I have contacted them multiple times, yet they have failed to correct the reporting.I request Baxter Credit Union immediately remove the inaccurate negative reporting from all credit bureaus and provide written confirmation that my account is paid. If they fail to act within 15 days, I will escalate by filing complaints with the *** and my state ************************ and pursuing legal action under **** 1681n for up to $1,000 per violation plus attorneys ********* ID: 01 MICR Number: **************Business Response
Date: 03/04/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.Business Response
Date: 03/05/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.Initial Complaint
Date:02/14/2025
Type: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.
Hello, I have been a customer with *** for some time now and have a checking account, ********************** card, and LOC. My payment history has been exceptional until recently when I was hospitalized with the flu. 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 a wife and when Im 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.Business Response
Date: 02/20/2025
We have completed our investigation. Please see the attached file for resolution. *********, ***.Customer Answer
Date: 02/20/2025
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:02/12/2025
Type: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 a member at *** banking but recently Ive been restricted from my account. As a new member I wasnt very knowledgeable about there policies. Recently i became a victim of fraud, where scammers stole over $1500 from my account. I disputed the transactions only to be treated as a suspect. Without any proper investigation I was denied my funds and also denied access to my account to withdraw my remaining funds. *** has treated me as a prime suspect. As a new customer, I feel disrespected and treated unfairly in this situation. Due to limited resources this is the only way that I can shed light on my situation. Im not here to ruin the companys reputation or anything, I just want whats mine and to be treated with respect as I have shown throughout this ordeal. Im demanding a real investigation into my case and I also demand a refund on my funds.Business Response
Date: 02/17/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.Customer Answer
Date: 02/17/2025
Complaint: 22865407
I am rejecting this response because:
The investigation that they claim to have conducted is very false! As i was making my dispute to *** I also explained to them that my phone was also taken. I answered no to the fraud alert indicating to them that I was unaware of my account these transactions. I also have yet to receive my remaining funds that were to be sent to my address on file!
Sincerely,
******* *******Business Response
Date: 02/19/2025
Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.Customer Answer
Date: 02/19/2025
Complaint: 22865407
I am rejecting this response because:
Sincerely,
******* *******Initial Complaint
Date:01/27/2025
Type: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.
Purchased a car from a dealership who financed me through ***************. A few months later I was able to get a lower interest rate from Baxter Credit Union (BCU). A *** representative advised me that I had to get them the title. I advised I'm unable to obtain the title since I haven't paid the loan off. I have reached out to both Baxter Credit Union and to ***************. *************** advised they sent the title to *** in March of 2021 and that *** will have to request the title from the *** and/or do a title request. *** has been charging me $29 a month as a "Loan Advance Fee Overdue Title Penalty" for a title I am unable to receive. I need a refund of every "Loan Advance Fee Overdue Title Penalty" and any interest that may have been charged to the account since the inception of the loan by ***. *************** account: *************** /Paid in full per letter dated 03.10.21 BCU account: *************Business Response
Date: 02/12/2025
We appreciate your patience while we investigated this matter. Please review our response for resolution. Sincerely, BCU.Initial Complaint
Date:12/27/2024
Type: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 made a transfer to my checking account. My account was closed, instead of rejecting the deposit the ** transferred it to a savings account with no access to transfer or remove the funds. They than withdrew the funds to make a payment to a credit card. I called several times to resolve this issue.They intentionally deposited my funds to a account that I didn't authorize, in order to steal them for their own agenda.Customer Answer
Date: 12/27/2024
Sending proof of illegal transactionsBusiness Response
Date: 01/13/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.Initial Complaint
Date:12/23/2024
Type: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 November *******, I noticed a random charge of $999.00 that was pending. I called Baxter Credit Union the same day to dispute charge and they said they will look into it. I did not hear back so I call again on 11/21/2024, was informed case was denied because my debit card was used and since I paid money to ****** in past it must have been me. I informed them my ****** account has been locked since April. I sent proof of my account locked and that I had zero transactions on my end. I called ****** and the verified there was no withdrawal of $999.00. I informed Baxter of this and they still denied my claim and refused to look into it. I told them ****** willing to talk to them to verify Im telling truth but they will not believe me. They will not allow ****** to verify the money was not sent to or from me. That they have no records of this transaction at all. I called again on December 19 to Baxter Credit Union and they said a supervisor would contact but the person never called. December 23 I called again to have this looked into and they said theyll open case but theyre only going to close it because my debit card was used to ****** like in past. I pointed out thats not true, all my previous transaction was ACH instant transfer while this one was a debit card transaction. They said it doesnt matter if the transaction do not look the same they still will not investigate it.Business Response
Date: 01/02/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.
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