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Business Profile

Credit Union

Aberdeen Proving Ground Federal Credit Union

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Aberdeen Proving Ground Federal Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Aberdeen Proving Ground Federal Credit Union has 16 locations, listed below.

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    Customer Complaints Summary

    • 29 total complaints in the last 3 years.
    • 12 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:06/21/2025

      Type:Billing Issues
      Status:
      Resolved
      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 contacted by APGFCU for fruad on June 16, 2025 for $621.23 for a lowes purchase in **. As I responded no and called them to report fraud. I also sent them emails via my account with proof. Spoke with a manager today who said they just filed the dispute today even though I had already made the complaint. So they didn't protect my account even though they sent me the fruad. I still dont have my money and I have bills coming out that will not be paid from this fruad.

      Business Response

      Date: 06/25/2025

      A member of APGFCU’s leadership team contacted the
      member to advise that a provisional credit was posted to the account. 
      Regulation E requirements were followed regarding the transaction dispute
      process.  The member has been provided contact information if there are
      additional questions regarding their dispute.  

      Customer Answer

      Date: 06/26/2025

       

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID 23498969, and find that this resolution is satisfactory to me.




      Sincerely,



      Dorine Lynch

    • Initial Complaint

      Date:05/06/2025

      Type:Billing Issues
      Status:
      Answered
      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 a formal complaint against APG Federal Credit Union (APG FCU) for reporting my account (********L****) as a charge-off with a $0.00 balance to both Experian and Equifax, which is misleading, inaccurate, and damaging to my credit profile. This reporting misrepresents the true nature of the account and violates the Fair Credit Reporting Act (FCRA), which mandates accurate and complete data reporting by furnishers. Despite multiple attempts to contact APG *** to address this issue, they have failed to respond or correct the misinformation, showing a complete disregard for consumer rights and regulatory compliance. The erroneous charge-off status, coupled with a $0.00 balance, creates confusion and casts doubt on my creditworthiness, unfairly impacting my ability to access financial services and products. I demand that APG FCU immediately correct this error by removing or properly updating the charge-off notation from my credit reports, issue a formal acknowledgment of their failure to maintain accurate reporting, and provide an apology for the financial and emotional stress this has caused. If they continue to ignore this issue, I will escalate the matter to the ************************************ (****) and pursue all available legal remedies. I am requesting the Better Business Bureaus intervention to hold APG FCU accountable for this misconduct and ensure this matter is resolved swiftly and justly.

      Business Response

      Date: 05/14/2025

      We reviewed the consumer's second complaint regarding the reporting of their APGFCU tradeline to the credit reporting agencies. Our records indicate the consumer held a **** account with the ********************************************* from January 2020 until the account was charged off in December 2022. Following this, the account was referred to legal counsel, and the consumer subsequently entered into an agreement to pay the account in full. According to our records, the account was paid in full as of December 2024. Although the account was reporting correctly as a charged-off account that was paid in full, we have updated the coding so the account is no longer reporting to the three credit reporting agencies.

    • Initial Complaint

      Date:04/20/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      There are charges on my card that were not made by me and apgfcu is unwilling to help me

      Business Response

      Date: 04/28/2025

      Thank you for your feedback. Were sorry to hear about the unauthorized charges and your experience trying to get the issue resolved. We take these matters seriously and we are glad we were able to connect with you directly to address your concerns.  If you need anything further,please dont hesitate to contact us at ************. 

    • Initial Complaint

      Date:04/14/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      The issue started when the Credit closed all accounts and took all funds. So this credit union is VERY well aware ********* A. ***** is deceased. From the very beginning these people have been very nasty, rude and unprofessional, showing little or no compassion. The fact that they rush to close all accounts and yet still sending mail is so unbelievable. Im very confused as to why mail is still being sent to *************************************** as if Ms ***** is able to respond. The credit union advised if an account is closed, then all mailing is stop but not in this case. WHY? This institution has been extremely poor and has provided horrible services..

      Business Response

      Date: 04/18/2025

      We are very sorry for this individual's loss of their family member, and offer our condolences during this difficult time. The account in question remains open, which is why it has continued to receive mail. We kindly ask this family member to contact our bereavement specialist at *************************, so we can further assist in determining the next steps regarding the account. In the meantime, we have added this account to our do not mail list, so non-required mailings will be discontinued. However, legally required account-related mailings will continue until the account is closed. 

    • Initial Complaint

      Date:03/28/2025

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      The process with getting a boat loan has been the most bizarre experience. They ask for the same documents multiple times and have a problem for every solution. They are requiring the boat dealership to violate their state law to finish the deal. Their state requires collection of sales tax which Maryland reciprocates at registration. There is no understanding of how ******************* operates. Steer clear and save a lot of time and hassle.

      Business Response

      Date: 04/06/2025

      We appreciate the feedback from this consumer and have apologized for the challenges experienced throughout the loan process. Our AVP of Retail Lending was able to connect with the consumer directly to discuss the situation and work towards a resolution.  We are committed to improving the process and ensuring future experiences are more aligned with the high standards we aim to uphold.

    • Initial Complaint

      Date:03/26/2025

      Type:Billing Issues
      Status:
      Answered
      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.
      This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. APG FCU ACCOUNT no.: ********* DATE OPEN: 01/01/2020 BALANCE: $0.00

      Business Response

      Date: 04/02/2025

      We reviewed the consumer's complaint regarding the reporting of their APGFCU tradeline to the credit reporting agencies. Our records indicate the consumer held a **** account with the ********************************************* from January 2020 until the account was charged off in December 2022. Following this, the account was referred to legal counsel, and the consumer subsequently entered into an agreement to pay the account in full. According to our records, the account was paid in full as of December 2024. Upon further review, we can confirm that the account is being reported accurately to the credit reporting agencies. It is listed as a charged-off account with a zero balance, reflecting that it has been paid in full.

    • Initial Complaint

      Date:01/08/2025

      Type:Service or Repair Issues
      Status:
      Resolved
      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 a formal complaint against Aberdeen Proving Ground Federal Credit Union (APGFCU) for denying my Servicemember Civil Relief Act (SCRA), specifically to obtain a reduced interest rate on my personal loan and two credit cards. It has been a tumultuous process, but there is a character limit on the BBB website. I was informed by an agent that my request for SCRA Benefits was denied based on the following rationale: You are a Reservist and were not on Active Duty for more than 30 Days, therefore you are not entitled to SCRA Benefits. The agent also referenced a period of 180 days which is not relevant to my situation. The relevant parts of the ***** such as Section 207 (Interest Rate Cap) and Section 101(1) (Definition of Active Duty), ensure that reservists on an Annual Tour are entitled to the same protections as other servicemembers on active duty. If you look on the second page (of my Military Orders) Line Item a AUTH: 10 USC 12301(b) is the Title 10 authorizing authority. The agent is confusing Title 10 & Title 32 orders/status and confusing **************************** The denial of my SCRA benefits has caused undue financial hardship, as the **** offers important protections for servicemembers during periods of active duty. The interest rate reduction under the **** can apply retroactively to any loans or obligations incurred before a servicemember's active duty, as long as the servicemember requests the benefit within a reasonable time period after being called to active ******* facts are backed on numerous websites such as the **** and ************************.

      Customer Answer

      Date: 01/09/2025

      To date, APGFCU is currently working on a resolution. I will confirm once my matter is fully resolved. 

      Customer Answer

      Date: 01/10/2025

      Hello, 

      I would like to make a note of clarity. My complaint w/ BBB was premised on my initial phone conversations with APGFCU and submitted on 01/07/2025. On 01/08/2025, I was contacted by a representative from loan services and management. In short, I sent a copy of this complaint Directly to the loan services ****. I have since been informed by the loan services **** that my matter is being worked on and that I am in fact eligible for **** benefits. I am satisfied with the ongoing resolution and will consider the matter resolved. 

      v/r

      ****** ********-*****

    • Initial Complaint

      Date:12/11/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 had a total loss on my vehicle. I am working with my insurance geico. APGFCU is the lienholder for the car. The insurance has been reaching out and *** is refusing to provide them the correct information. They need a total payout and again they are looking to pay off this loan. Why are they refusing to provide the correct information. Why do I have to do their jobs. Get them the information so I can move forward and pay it off. This is the worst bank EVER. The customer service is a joke. Easily one of the worst financial institutions and I will NEVER recommend them to anybody. Honestly they have very shady practices and the employees dont care.

      Business Response

      Date: 12/18/2024

      APGFCU leadership made attempts to contact Ms. ************* without success.  Records indicate a letter of guarantee was sent to Geico via fax on December 5 and again on December 12.  Subsequently, on December 17, 2024, we received a payoff check, which was applied to Ms. ************************ A lien release letter was generated, and Geico should receive it within five to seven business days.  We look forward to speaking with Ms.************* to resolve her concerns. 

    • Initial Complaint

      Date:12/11/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Dear *********** am writing to dispute an account listed on my ********************** report with Aberdeen FCU (Account Number: **************. This account, opened on 6/24/2017, does not belong to me, and I am a victim of identity theft.I have filed a complaint with the Federal **************** (FTC) and *****************, reporting this fraudulent account. Please investigate this fraudulent activity and have this account removed from my credit file immediately.Thank you for your attention to this urgent matter. I would appreciate confirmation that the necessary corrections have been made.

      Business Response

      Date: 12/19/2024

      After conducting an internal investigation, APGFCU found no evidence of identity theft or fraud in relation to the loan. This conclusion is based on a review of the loan history, identity verification during the credit application process, signatures, and legal filings. The member completed several documents, including a skip-a-payment application for the loan. Furthermore, numerous statements were sent to the address on file and the address referenced in the complaint. These statements were not returned to the credit union, nor was identity theft or fraud reported when the statements were received or during the course of the loan. The member has been provided with an APGFCU contact and direct phone number should any further questions arise.

    • Initial Complaint

      Date:10/20/2024

      Type:Billing Issues
      Status:
      Resolved
      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 May of 2019 I filed for Chapter 13. APGFCU was a claimant in my plan. They listed a car loan, a personal loan and a credit card. However, they did not list an open balance relative to my overdraft protection for my checking account. I was also not notified there was a balance, and I was also no longer able to access my account after the Chapter 13 was filed. During the course of my Chapter 13 plan, a negative entry appeared on my credit report stating in July of 2019 (after the automatic stay went into effect), APGFCU charged off the amount due on the overdraft protection. They didn't notify there was a balance due, possibly due to the automatic stay. However, they did engage in collection activities by posting a negative entry to my account. They removed the entry. However, after my Chapter 13 was discharged, they've now reposted the collection activity on my credit report, even though the time frame they executed this activity was during the automatic stay. APGFCU had a means to include this amount in my chapter 13 and opted to engage in collection activities instead. This is in violation of the automatic stay and should be removed from my credit report. When I spoke to them they said they would remove it, when it wasn't removed I filed a dispute with the credit reporting agency (Trans Union) and APGFCU is claiming their report is correct. They are stating they violated the automatic stay and get to penalize me for it even through they were remiss in including it in the Chapter 13 filing. I want this entry removed from my credit report. They had no right to continue these activities after the Chapter 13 was filed.

      Business Response

      Date: 10/29/2024

      Aberdeen Proving Ground Federal Credit Union has researched the complaint and determined, that TransUnion is incorrectly reporting the status of ***** ***** savings account with the *********************************************. As of October 29th, APGFCU has made all necessary reporting updates to the APGFCU savings tradeline to correct the credit reporting on the TransUnion report.  APGFCU has submitted a case with TransUnion to determine why they were incorrectly reporting tradeline with the credit union. A follow up letter is being sent to ***** **** for the record.   

      Customer Answer

      Date: 10/31/2024

       
      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,

      ***** ****

    Aberdeen Proving Ground Federal Credit Union is NOT a BBB Accredited Business.

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