Complaints

This profile includes complaints for Armed Forces Bank N.A.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Armed Forces Bank N.A. has 51 locations, listed below.

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• 

  Armed Forces Bank N.A.

  1111 Main St Ste 202 Kansas City, MO 64105-2114

• 

  Armed Forces Bank, N.A.

  Bldg 11566 Fort Lewis, WA 98433

• 

  Armed Forces Bank, N.A.

  550 Barnes Blvd McChord AFB, WA 98438

• 

  Armed Forces Bank N.A.

  Building 52030 Arizona St Fort Huachuca, AZ 85613

• 

  Armed Forces Bank N.A.

  Building 9214 Hutton Plaza Fort Rucker, AL 36362

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:11/30/2022

  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.

  My account was -$118. I set up a deposit to cover the negative balance and I also called the bank to make the account was still open and active along with my debit card. The deposit was for $200 and I was told that my account was open and active along with my debit card. After the call my account was charged off and other charged off accounts was applied to my recent account leaving my account $-564.50. The account was a part of my CAP loan through AAFMAA and that is the only way the loan can be disbursed. My account went from being -118.00 to -564.50 without my knowledge until I checked my account and contacted them. There have been multiple deposits without mention of the charged off accounts or any deductions from the deposits to cover the charge offs. If the account shouldn't have been opened then that is on the bank not me.

  Business Response

  Date: 12/08/2022

  Concerns that you
  have raised:
  You state you had a negative balance and set up a direct deposit to bring your account into the positive. You also contacted the Bank to ensure that your account was open, and your debit card was active.
  You further state that after you were ensured that the deposit had been received, the account was open and the card was active, the negative balance from another account you had with the Bank was applied to the account leaving this account overdrawn again without notification to you.
  You are requesting that the amount applied to the account for the second charge off be removed as you were not notified of having a second account with a balance due. You would like the recent deposit and positive balance that was reflected upon receipt of that deposit made available to you.
  Research into the
  matter reveals the following:
  Our records indicate that you had three accounts with the Bank that all were charged off. The account ending in 3096 charged off on April 20, 2018 for $540.00, the account ending in 5506 charged off on January 21, 2021 for $24.50 and the account ending in 3085 charged off on November 29, 2022 for $118.45.
  You state you feel you should not have to pay for the charged off accounts because when you talked to the Customer Care Center, you were not made aware of the other accounts that were closed with negative balances. Included are the closing statements for each of the three accounts showing that they were charged off and the amount owed to the Bank. These statements were sent to the address on file at the time of the closures and were not returned to the Bank.
  The balance owed to the Bank after the $200 deposit received on November 30, 2022, is $494.95. You can continue to make direct deposits to pay the balance owed or you can mail payment to Armed Forces Bank ********* ****** *** ********** **** *** ***** ****** ***** ********
  The balances owed and reflected are accurate and will not be removed from the account until the debt is paid in full.

  Customer Answer

  Date: 12/08/2022

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Assumed Answered] 
  
  Complaint: ********
  
  I am rejecting this response because: They can’t apply old charge off balances to my new account after I get confirmation that my account is still open so that I can cover the negative balance from my current account. Then to tell me after the fact that the account should not have been opened in the first place after being open for two years is crazy to me. I stopped all direct deposits to that bank. The account was a part of the CAP loan and I had no choice but to use that bank since it’s the only way to fund the loan. What they are doing isn’t right at all!
  
  Regards,
  
  ******* *****

• Initial Complaint

  Date:08/16/2022

  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.

  Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false account. Delete this unverified and misleading account.

  Business Response

  Date: 08/25/2022

  Concerns that you
  have raised:
  
  You state you contacted the debt collector regarding a debt listed for Armed Forces Bank and requested proof of the debt listed on your credit reporting.
  You have not been provided the requested documents and state therefore, the Bank is reporting incorrect information to the credit bureaus.
  You are requesting that the account be removed from your credit reporting.
  
  Research into the
  matter reveals the following:
  
  Our records indicate you applied for a loan through Armed Forces Bank website and were approved for $1,250 on June 6, 2017. Since you applied online, the approval was completed via e-mail rather than with a physical signature. Included with this letter are copies of the promissory note document and the email you sent regarding your agreement of the terms and conditions and acceptance of the loan.
  The loan balance was paid in full on April 27, 2018. Also included is a copy of the letter that was sent to you regarding the loan payoff.
  We are unsure what you are stating is being inaccurately reported as the attachment you sent shows that the loan was paid and has a zero balance.
  If you have any questions or need further assistance, please contact me directly at the email or phone number listed below.

• Initial Complaint

  Date:08/01/2022

  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.

  My account was closed with no explanation, 2 weeks before my tax return is set to be deposited into that account. This will create a longer wait time for my tax return . I am set to PCS to another military base and was relying on this money . I feel I have been treated very poorly and would like this situation reconciled

  Business Response

  Date: 08/03/2022

  Concerns that you
  have raised:
  
  You state your account was set for closure without notification to you.
  You further state your tax refund is scheduled to be deposited into your account two weeks after the scheduled closing and you need those funds to pay for your PCS move.
  You are requesting that your account be left open to receive your tax refund. Once the funds are deposited, you will withdraw the money and close the account.
  
  Research into the
  matter reveals the following:
  
  As per the Deposit Account Agreement provided at account opening, the Bank reserves the right to close an account at any time without notification to you. Please see page 15 of the enclosed document under “Closing Your Account” for information regarding this matter.
  Your account was scheduled to be closed on August 9, 2022. As an exception, the Bank has agreed to leave the account open until September 9, 2022, so that your tax refund can be received. If the accounts are not closed on this date, the Bank will close them and mail you a cashier’s check for any remaining balances.