Complaints

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

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Barksdale Federal Credit Union has 22 locations, listed below.

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• 

  Barksdale Federal Credit Union

  2701 Village Ln Bossier City, LA 71112-2319

  
• 

  Barksdale Federal Credit Union

  700 Northgate Rd Bossier City, LA 71112-3120

  
• 

  Barksdale Federal Credit Union

  200 Main Street Blanchard, LA 71009

  
• 

  Barksdale Federal Credit Union

  519 Market St Shreveport, LA 71101-3223

  
• 

  Barksdale Federal Credit Union

  2321 Airline Dr Bossier City, LA 71111-5810

  

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:06/26/2023

  Type:Product 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.

  7/23/2023 opened a new bank account in the branch. I left around 4:20pm, with a debt card in hand. The employee that opened my account, zero issues. Deposited over $1000, into my checking. Went to use my card around 5:10pm and transaction was declined. Called customer service, my account was RED FLAGGED. Further investigation collections from 2016 popped up at 4:55pm resulting in red flagging account. No one contacted me, no one told me there was an issue. Members services said they’re not suppose to open a new account if there’s a collection. Yet the employee failed to do her job, barksdale allowed me to deposit into my account. They have my money, holding it, without contacting me! As well as opened a regular checking account and saving, NO ISSUES or anything said about a collection

  Business Response

  Date: 07/17/2023

  This individual has been called by our NorthGate manager and any discrepancy has been handled.  I have personally called to verify internal processes to be sure things are updated on our side to make sure any potential member does not have an experience similar to the one described by the complainant.  

  Customer Answer

  Date: 07/17/2023

  
  
  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:12/22/2022

  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.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions
  
  In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C
  

  Business Response

  Date: 01/27/2023

  Business Response /* (1000, 5, 2023/01/03) */
  Information is being gathered and verified at this time to make an accurate assessment of Ms. ******'s concerns. Thank you for your patience during the holiday season. A final determination and response will be sent as soon as all verifications are complete. This is expected within the next 2 days.
  
  
  Business Response /* (1000, 8, 2023/01/05) */
  In an effort to respond to each statement made in the consumer's original complaint, the responses are broken down below:
  
  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Information used to research the complaint can be found at www.ffiec.gov/exam/InfoBase/documents/02-con-fair_credit_reporting_act-XXXXXX.pdf#page40.
  
  15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A states consumers have the right to "accuracy and fairness of credit reporting". Audited findings, per the initial request were done in September of 2022. All reporting was deemed accurate at that time. Verification by an additional resource was conducted in light of this report, and again the data was concurred to be accurate in all reporting to the credit bureau.
  
  15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Clarification to this statement is most likely needed to respond accurately. 15 U.S.C 1681 Section 604 A Section 2: states "An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.".
  
  The credit union uploads the data according to the historical account of payments made. The assignment of credit scoring, credit worthiness, credit standing, credit capacity, character, and the general reputation of the consumer is not assigned by the credit union, but rather the mechanism designated by the act itself. As long as the lender uploads the data correctly, the lender itself has no influence on the end score assigned to the consumer by the credit reporting agency/agencies.
  
  If the concern is over authorization being given to received credit information (and in the credit union's own application process), according to disclosures provided at the time a BFCU loan is requested, applicants authorize the credit union to obtain credit reports in connection with the submission for credit and any update, increase, renewal, extension, or collection of the credit received. In these disclosures, the applicant further acknowledges the credit union will rely on the information in the application and his/her credit report to decide. This acknowledgement is collected and stored for all BFCU requested loans. According to the Fair Credit Reporting Act, a lender must provide accurate data regarding the history of the loan, which has been done.
  
  If the concern is over authorization being given to receive credit information (in another lender's application process): In an effort to make their own determination, should any individual requesting a loan in the future with another institution, said individual would need to provide a request with that institution to gain access to the individual's credit report. No written request would be required to each previous lender(s) to release loan data, as all historical data would be provided to the credit reporting agencies under 15 U.S.C 1681 Section 604 A Section 2. If another lender has requested credit reporting information without authorization, the dispute would lie with that lending institution for the request and not the initial institution for the reporting.
  Debt collectors are not allowed to communicate with me under the 15 USC 1692C Information used to research this statement can be found at www.ftc.gove/legal-library/browse/rules/fair-debt-collection-practices-act-text. According to 15 USC 1692C, Ceasing Communication, "If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except (1) to advise the consumer that the debt collector's further efforts are being terminated; (2) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or (3) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt." Even though the credit union acknowledges holding practices that attempt to reach out and collect on an outstanding debt, as all lenders do, when a consumer provides a written refusal to pay a debt, requesting a cease to further communication it is policy to follow the requirements of 15 USC 1692C. Until such notification is received, attempt to collect on accounts are within the guidelines of this act.
  
  In addition, the creation of the Fair Credit Reporting Act itself is to create consistency and non-bias for all financial institutions as payment history is logged. It would be counterproductive to the act if any FI were to report inaccurate date, or not report data fairly (or not at all) on each borrower.

• Initial Complaint

  Date:10/31/2022

  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.

  ON OCTOBER 17, 2022, I RECEIVED A CALL FROM ****** ABOUT FRAUDELENT ACTIVITY ON MY CHECKING ACCOUNT, AFTER THEY SHUT DOWN MY CARD THAT MONDAY I WENT INTO THE BANK AND GOT A NEW CARD AND FILLED OUT DISPUTE PAPERWORK. THE LADY THAT HELPS OUT AT THE MANSFIELD BRANCH WAS VERY NICE SHE HELP ME IN ANYWAY SHE COULD BECAUSE I WAS NERVOUS AND SHAKING FROM THE SITUATION. I WAS TOLD TO GIVE THE BANK 7 - 10 DAYS MY FUND SHOULD BE BACK IN MY ACCOUNT BECAUSE OF THE AMOUNT OF MONEY THAT WAS TAKEN I WENT TO THE POLICE AND MADE A REPORT. IT HAS NOW BEEN THREE WEEKS I HAVE NOT RECIEVED ONE CALL FROM BFCU AND WHEN I CALL, THEY PUT ME ON HOLD FOR 20-30 MINUTES EACH TIME BUT IS NEVER ABLE TO REACH ANYONE IN THE DISPUTE DEPARTMENT. I HAVE BEEN A MEMBER AT THIS CREDIT UNION FOR OVER 20 YEARS NEVER ONCE FILED A DISPUTE AND WHEN MY CARD WAS STOLEN AND USED BY SOME THEIF I FEEL LIKE IM BEING PUNSIHED FOR IT I NEED MY MONEY AND WOULD LIKE FOR SOMEONE TO REACH OUT TO ME REAGRDING IT.

  Business Response

  Date: 11/21/2022

  Business Response /* (1000, 5, 2022/11/02) */
  This individual has been contacted by our Fraud department and the dispute has been resolved. I apologize for any misunderstandings in the process.
  
  
  Consumer Response /* (3000, 7, 2022/11/03) */
  (The consumer indicated he/she DID NOT accept the response from the business.)
  No one ever contact me I called them and went into their office. When I went into the the Mansfield Road Branch in Monday I was told by the lady in the first office when you walk in the building that they are handling the the disputes and it could take up to two months for me to get my fund back because they are still trying to post dispute for August the only call I got was from ****** Barksfale never reached out
  
  
  Business Response /* (4000, 9, 2022/11/04) */
  Although I cannot give specifics on account information due to privacy policies, I can only assure the BBB that this dispute has been resolved favorably to Ms. ***** as of my last update submisison. With fraud on the rise, our staff are working tirelessly to get to every dispute filed. At my request, Ms. *****'s dispute was pushed to the top of the processing list. Getting her the resolution she needed as quickly as possible was top priority for us. After the rejection of that resolution, I contacted the center manager and asked that a special call be placed to Ms. ***** to make sure any and all of her additional concerns are handled promptly. Our goal is to assist our members as quickly as possible, and I apologize if a feeling of frustration or a lack of concern was felt by Ms. *****. We would never want a member to feel that way. It is my hopes that after speaking with the manager she feels the value BFCU places in all of our members.