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Business Profile

Credit Union

Allegacy Federal Credit Union

Headquarters

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Allegacy Federal Credit Union has 32 locations, listed below.

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    Customer Complaints Summary

    • 7 total complaints in the last 3 years.
    • 4 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:03/21/2025

      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.
      i have an auto loan with this company. I have been trying to sell my car for 3 weeks to a man in *******. They won't release the title. They are blaming in on the dmv and the dmv blames it on the credit union. I put 17k in my bank account and called the credit union 2 days ago and told them to draft my account and pay it off and send me the title so I could be done with them. They had still not processed the transaction. They also autodrafted my car payment after I asked them to pay the car off. This is the worst experience with a bank I have ever been through. I will never deal with them again.

      Business Response

      Date: 04/24/2025

      See attached response.

    • Initial Complaint

      Date:10/13/2024

      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 have late payments on my credit report due to me leaving the country and I didnt have access to this account I did consult with the bank to get it resolved and they helped me but it still shows late on my credit report I need it removed because the account is current.

      Business Response

      Date: 11/04/2024

      Please see the attached correspondence.

    • Initial Complaint

      Date:09/03/2024

      Type:Service or Repair Issues
      Status:
      Unresolved
      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 2020 I got a secured Allegacy Credit Card to help build my credit. In 2024 I applied for a real Allegacy Credit Card and was approved. I was told by 3 different bankers that by doing this I would not lose the credit history that I built since 2020. I initially received the wrong credit card in the mail, and that mistake was quickly rectified. But since March 2024 my credit has been screwed up with the 3 credit reporting agencies. I have made several disputes and reached out to several people at Allegacy. I am always assured that the problem will be rectified but 7 months later, its still not. The only reporting agency that finally has the correct information is Experian. Trans Union and Equifax both show that I do not have an open Allegacy credit card and that I have 2 closed Allegacy Credit Cards, which is false. The correct information is ONE open Allegacy Credit Card since Sept 2, 2020 and ZERO closed credit cards. None of this is my fault, yet its my credit being affected for 7 months. And I cant figure out why its so hard to fix. I dont want verbal assurances anymore. I want the correct information on my credit report. I don't want to spend anymore of my energy on this issue. Somebody reach out to the credit bureaus and give them the accurate information. Thank you.

      Customer Answer

      Date: 09/16/2024

      I have not heard from the business in response to my complaint. But I  did say I  do not want to hear more empty promises from well-meaning people, Telling me  that it is being worked on or its being sent to the right people. I  have received empty promises for the past 7 months. But no since BBB is asking if I  have heard from Allegacy or if my issue is resolved the answer is NO to both. Why should they care, its not their credit being affected, Im sure its low on their priority list. 

      Business Response

      Date: 09/20/2024

      Please see the attached letter.

      Customer Answer

      Date: 09/23/2024

       I am rejecting this response because: Nobody from Allegacy has reached out to me since I filed this complaint. I check my credit report every day to see if the changes have been made, and they have not. The issue is unresolved. I am going into the 8th month, 8 months of me trying to get this issue fixed. Whatever they are claiming they did or are doing is either untrue or its not working. 


    • Initial Complaint

      Date:06/15/2024

      Type:Service or Repair Issues
      Status:
      Unresolved
      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 victim of the online work scam. Allegacy FCU let wire transfers go to the scammer. All wire transfers were highly unusual for my account. They should bring lot of red flags. Allegacy should check and ask about those wire transfers. But Allegacy didn't check any of them and let money go to the scammer. I lost more than $120,000.00. Please see the attached letter for more details.

      Business Response

      Date: 06/17/2024

      The separate attachment does not download or open.  Is there another letter from the consumer in addition to the information shown?

      Customer Answer

      Date: 06/18/2024

      Please see the attached letter.

      Yes, I initiated the wire transfers. Complain is that Allegacy didn't due their due diligence and let wire transfers go to the crypto account. ******************** FCU as all other financial institutions are required by federal law to prevent scams, money laundering and other financial illegal activities.

      Thank you,

      Tvrtko Cizmek

      Customer Answer

      Date: 06/30/2024

      I have not heard from the business in response to my complaint.
       

      I need a refund from the Allegacy. I have never heard anything regarding the refund. They are not responding to my letters.

      Regards,

      Tvrtko Cizmek

      Business Response

      Date: 07/16/2024

      See attached response.

      Customer Answer

      Date: 07/23/2024

       I am rejecting this response because:

      I need a refund for the money lost to crypto currency. Both wire transfers were named "Transfer to crypto". Allegacy knew they were crypto wires and still let them go through.

    Allegacy Federal Credit Union is NOT a BBB Accredited Business.

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