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

  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

  
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  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:04/26/2024

  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 applied for a personal loan for a car repair and immediately got denied. The denial was disappointing and upsetting. There's an option for the purpose of the loan that says "car repairs". If the decision was solely based off my credit score and not me as a whole then state that before having people apply. I got a hard inquiry on my credit report that will stay on there for 2 years. I've sent a complaint to the ENTIRE loan department and no one replied. Someone on the team should've replied to me and said something. Instead I get ignored like I'm unimportant because I'm poor and have bad credit. I'm disgusted by BCU's disregard to me and my situation. Everyone isn't wealthy or have perfect credit and shouldn't be judged on that. I asked for a $4,000 loan which is the exact amount of the repair. I don't know what this credit union mission statement is but it should be to help people.

  

  Business Response

  Date: 05/06/2024

  Please see the attached file. We truly appreciate the opportunity to further assist. *********, BCU.

• Initial Complaint

  Date:04/23/2024

  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 called this company on April 20, 2024, tried to pay this company, I even received an confirmation code.. *********** claimed they could not find my payment for Saturday, April 20, 2024 and the ********************** threaten to create paperwork to Repossessed the my *** ***** Fusion 2016). I am not behind in either my payments or insurance. Somehow they would not accept my payment on Saturday, April 20, 2024. I need help from this company who has been giving me a hard time since 2022. They repossessed my car before (2022, May) after I paid them and gave 900$ in cash for return of the car. No I am going through this nightmare again.

  

  Business Response

  Date: 05/06/2024

  Please see attached 

• Initial Complaint

  Date:04/18/2024

  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 feel discriminated against by BCU because their fruad detection algorithim continues to rejection small charges that are not fraud. For example, I tried to buy a **************** today down the block from my home and my debit card declined due to fruad suspicion. This discrimnation against me began at the turn of the new year for 2024 and I have called and messaged BCU staff multiple times about this issue and no one seems to care to help me. My debit and credit cards continue to be blocked my BUC. BCU intentionally stops me from using my money. I am prodcuing the ********* reciept but I believe they have declined transaction as large as $10,000.

  

  Business Response

  Date: 04/30/2024

  Please see the attached file. We appreciate the opportunity to further research this matter. *********, BCU.

• Initial Complaint

  Date:04/16/2024

  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 deposited a refund check from **** of America in March and BCU declined this check saying it was not a good check when **** of America said it was a good check ( this check was a refund from consumer financial) which made my account ****** in the whole and took my savings to pay for insufficient funds which this put me in the whole for two weeks

  

  Business Response

  Date: 04/17/2024

  Please see the attached file. We appreciate the opportunity to further research this matter. *********, BCU.

  Customer Answer

  Date: 04/29/2024

   
  Complaint: 21586066
  
  I am rejecting this response because:
  I totally disagree with this and this is unacceptable in my site and no I dont agree and yes, I still want further action. I still want my money back into my account with BCU. I will continue complaining until this issue is resolved to my satisfactory.
  
  *******************************, CPC, BSHA

  

  Business Response

  Date: 05/01/2024

  Please see the attached files. We appreciate the opportunity to further research this matter. *********, BCU.

• Initial Complaint

  Date:04/16/2024

  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.

  On February 8, 2024 I made two bill payments to my mortgage company Nationstar/**************** from my Baxter Credit Union account in the amounts of ***** each. My mortgage company said they only received one payment. Baxter Credit Union said two payments were made they signed my bank statement, issued a writtet letter, and issued tracer check numbers. As of today 4/16/2024 those funds has not been received by the mortgage company and Im showing two months delinquent. My mortgage company representative has been on several calls with me and Baxter. Baxter charged me for both transactions on top of overdraft fees totaling $3,430. Ive contacted Baxter on several occasions to be placed on extremely long hold times, repeatedly transferred to the wrong departments, or they simply hang up. On April 11, I was told by theyre representative they would returned both payments to me today 4/16/2024 and it was not returned to me and cant get this problem resolved.I dont know what else is there for me to do.

  

  Business Response

  Date: 04/22/2024

  Please see attached

• Initial Complaint

  Date:04/02/2024

  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 **** with charter communications, I do not have contract with BAXTER CU, they did not provide me with the original contract as i requested.

  

  Business Response

  Date: 04/12/2024

  Please see attached

• Initial Complaint

  Date:04/01/2024

  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.

  Was charged for a "door knock fee" when I didn't authorize anybody to come to my home, nor did anybody come to my home. The description of the house that they went to was not my address. I don't feel I should have to pay for something that didn't happen.

  

  Business Response

  Date: 04/11/2024

  Please see attached

  Customer Answer

  Date: 04/11/2024

   
  Complaint: 21515292
  
  I am rejecting this response because:
  I should not be charged for a service I didn't request. I shouldn't have to pay for a service I didn't agree to. You cannot charge me to have someone knock on my door, especially if they didn't leave a reason as to why they were there.

   

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

• Initial Complaint

  Date:03/30/2024

  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've been a BCU member for 5+ years now. I've applied for a loan a total of 3 times within the years of being a member. I called in on March 12th or 13th to inquire about their loan options and what's the criteria to meet. The representative stated that they do not look at credit scores; however, they will look and see what loan options would be best for me. I explained that I needed to consolidate my debt and 10k was my request. I knew my credit score was at least 620 and my payment history is excellent. I only wished that they did a pre-qualification because I know when you do a hard pull my score would drop. I was optimistic about the loan, only to receive a letter the next day denying me. I was confused and contacted BCU to inquire why being a dedicated member for so long and this is the 3rd time being denied over a period of years. The representative said that my score was a 580, I was shocked because on all 3 reports it shows over 600! They pull from Transunion and I use BCU's ****************** and Transunion showed at that time my score to be at 618. The representative said that everything else looked good, my debt to income ratio, my payment history, but because they have a conservative credit scoring system is why I was denied. And if I get a cosigner that would be better for me.I'm requesting to consolidate my debts, so that I can make things much easier for myself and yet when I go to my credit union that I've been with for many years to deny me, that's a bit disheartening AND this isn't the first time! If the amount requested was too high, I would've been ok to lower it because it was to consolidate my outstanding bill/debt. I have better look going through Credit Karma or Sesame than my own bank. I've been toying around for a good while now on closing this account and moving someplace else because I thought as a member you're supposed to reap the benefits they offer. This makes my decision alot easier to make.

  

  Business Response

  Date: 04/11/2024

  Please see attached

  Customer Answer

  Date: 04/11/2024

   
  Complaint: 21508161
  
  I am rejecting this response:

  I did not say that BCU had conservative measures, the representative I spoke to said that BCU has conservative measures when making decision on when it comes to loan applications. He did say that while credit score is a factor that there are other factors with applying for a loan, he specifically said that everything else on my credit report looked good it was just my score which was a 580. I dispute that because the same credit company (TransUnion) that BCU used to pull my score, I showed on my end a totally different number and it was higher than a 580. I don't understand how I show something higher, and it's pulled lower and it's from the same credit bureau. 

  Again, I've been a member here for a lot of years and I can count on 1 hand how many times I utilized services. It is extremely disappointing that while you say you offer other services that can alleviate my burden, that was never relayed to me as well. I thank you for the response, but I feel as though if you value me as a member, I should have received a phone call and rectified the complaint NOT waiting for ME to call you all. The response I was given makes my decision on whether I'd like to stay or not stay an easy one for me. 

   

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

  

  Business Response

  Date: 04/19/2024

  Please see attached

• Initial Complaint

  Date:03/23/2024

  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, I have never done business with said company. I do not have a contract with Baxter credit union. They did not provide me with the ORIGINAL contract as I requested.

  

  Business Response

  Date: 04/11/2024

  Please see attached

• Initial Complaint

  Date:03/20/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

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

  Answered:

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

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was assessed roughly $800 in service/overdraft fees by BCU after the same company garnished the entirety of my only source of income, and completely drained every single ***** from my account, without any legitimate or appropriate amount of warning or advanced notice. The fact that it was my disability pension that I receive from being a disabled combat veteran that was taken only adds insult to injury. This is far and away the most wildly unethical and predatory business practice that I have ever seen in my entire life, and coming from a supposedly respected financial institution no less. What eventuality can anyone expect other than being buried in an inordinate amount of arbitrary fees by the same company who took ALL OF YOUR MONEY out of your account at the BEGINNING OF THE ****** Do you just expect people to forego, say, EATING for the following month? What realistic path was I afforded that would have allowed me the opportunity to avoid paying such an insane amount of service fees? I am attaching a screenshot of the ONLY communication I received from your company regarding your company draining my account, which was sent to me AFTER the funds had already been taken. Your customer service agents are quick to advise us that you all afforded me ample notice of this impending garnishment, yet that argument falls FLAT ON ITS FACE when you are only notifying your members AFTER THE ***** You forced me into a position where the only guarantee I had would be incurring a massive amount of charges BY YOUR COMPANY, then you had the audacity to tell me that my membership status only "qualifies" me for an absurdly low partial refund of these fees. An insulting insinuation suggesting if only I was some wealthy d!ckhead who had invested more of my money in your institution I would have qualified to receive a full refund. This is not an insignificant amount of money for a large swath of society, and the way this has been handled so far has been completely reprehensible.

  

  Business Response

  Date: 04/03/2024

  Please see the attached file. We appreciate the opportunity to further research this matter. Sincerely, BCU.

  Customer Answer

  Date: 04/05/2024

   
  Complaint: 21460917
  
  I am rejecting this response because:

  The overarching point here is if you are going to blindly hand over the entirety of my funds for a garnishment, you should have given me some sort of reasonable advanced notice prior to actually freezing my funds. If you're going to take every last ***** someone has for a garnishment, you should at least consider how your actions are going to affect that customer of yours. One moment they have money in their account for bills, rent, food, and everything else a person needs to survive, and the next moment WITHOUT WARNING they don't have enough money for a pack of gum, let alone the basic necessities. Other monthly charges don't just go away because you had first dibs on cleaning me out, so if you're going to continue with this practice of not notifying your customers that you are going to be draining their account beforehand, then you absolutely shouldn't be charging someone $29 every single time they need to buy food or pay a bill. This also wasn't just isolated to a single monthly statement. I'm attaching several screenshots that show I was assessed significantly more than the $261 or whatever you claimed in your response. This has a significant, rolling effect on someone's finances if they only have that sole source of monthly income, which is only exacerbated and even harder to come back from by these ridiculous fees. It's incredibly unethical to be the one cleaning out someone's account and then also be the one penalizing me because I don't have enough funds in my account. This is straight up highway robbery.

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

  

  Business Response

  Date: 04/09/2024

  Please see the attached file. We truly appreciate the opportunity to further research this matter. Sincerely, BCU.

  Customer Answer

  Date: 04/09/2024

   
  Complaint: 21460917
  
  I am rejecting this response because:
  As I have repeatedly stated already, I did not receive any advance notice from you or the requesting agency. I'm sure you can see that on the very same day you all notified me, AFTER my funds had been frozen, I reached out to you all because, again, I WAS NOT NOTIFIED OF THIS PRIOR TO YOU REMOVING MY ACCESS TO MY FUNDS. I was completely blindsided by this, as I'm sure the remarks on my account from that day will show. I was simply not afforded any realistic opportunity to financially prepare for such a significantly debilitating change in my financial stability, which was considerably worsened by the inordinate amount of fees you all tacked on top of everything else. The additional $100 processing fee that you all charged me for the service of taking all of my money without notifying me prior is another perfect example of your company's total disregard for your customers financial stability. What a slap in the face to charge someone a HUNDRED DOLLARS that you know literally doesn't have a ***** to their name. The fact that I didn't immediately reach back out to you all and ask to be refunded JUST MIGHT have to do with how callously this whole situation was handled by your customer service when I reached out in November. I definitely learned my ****** and won't make that mistake again. I'm already in contact with both Senators *********************** and ***************************, but still waiting to hear back from my Congressman. I have no problem shining a national spotlight on this issue since you all wont seem to do the right thing here on your own. But don't worry, they both seem pretty eager to help get this all sorted out since tackling junk fees like this has been a priority of President ***********************************************************