Complaints

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

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  Affinity Federal Credit Union

  73 Mountainview Blvd PO Box 621 Basking Ridge, NJ 07920-3849

• 

  Affinity Federal Credit Union

  275 US-202/31 Flemington, NJ 08822

• 

  Affinity Federal Credit Union

  254 Easton Ave New Brunswick, NJ 08901-1766

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:06/16/2025

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  stole $500 from ***** have no record of having possession of it repeatedly hung up on and refused help. last assistant claimed she wanted me in hospital, that she insisted i have become too stressed to fix my accounts and find my rent money that they stole she also refused to allow me to explain the greater issue which was that ******* NEEDS to be stopped. she insisted because i mentioned being in hospital for physical issue she insisted she cannot help me saying i should go to hospital for a a medical issue. repeatedly cut me off from talking and pt me on hold, did not give any info about stolen $500 or closed account. she made fun of me claiming to be in the hospital claiming i was in there due to stress. she kept antagonizing me intentionally by putting me on HOLD IN THE MIDDLE OF SPEAKING. the reason she did this was because she tried to stop me from telling her the issue and she wanted to talk over me. i tried to insist i did not finish even telling her the issues at hand. she irresponsibly put me on hold again claiming i have a mental issue or stress condition saying i need to be put on hold till i calm down or i will put myself back into the hospital while simultaneously antagonizing me while REFUSING TO FIX THE ACCOUNTS OR FIND THE STOLEN FUNDS THAT ARE IN POSSESSION OF AFFINITY FEDERAL CREDIT UNION

• Initial Complaint

  Date:05/30/2025

  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 payed all car payments and they said I was 42 days late and payments were current. They repossessed the car and I had to pay just shy of 2000 dollars to get it back. Omg they lied as their agent quoted me over the phone all the payments since January as they were all payed. How can they get away with this!. They stole my social Security income

  Business Response

  Date: 07/02/2025

  Affinity is actively researching your complaint to ensure that we provide you with the most accurate and up-to-date response. Our team is working diligently to review the details thoroughly.
  

• Initial Complaint

  Date:05/11/2025

  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 wa repossess and they continue to charge me monthly on top of the balance that wa reposed. And I dont have the vehicle. Im aware I owe the balance at the timecof repossession but they are adding the payments amounts to the last balance each month and I dont have possession of the vehicle. Making the balance higher each month by adding the regularly monthly payments to the valve that was before I got repossess

• Initial Complaint

  Date:05/10/2025

  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.

  Affinity repossessed my car at 4:00 p.m. PT on a Friday, after they've closed and the company they use us also closed on the weekends. I wasn't around when they did it and my purse and medication were both in the car. When I called Affinity to try and figure out where it car is to get those things out the representatives hung up on me THREE times. When I finally got someone to stay on the phone, they refused to give me any information and yet again hung up on me but not until after telling me they don't contract with the place that potentially has my car. They contract with a place NOT LICENSED in my state who then goes someone else to do their dirty work. This place has shady business practices. I had to track my car down on my own and even now, I can't access it because the place they use is closed on weekends, does not have an after hours number, AND charges storage fees for the weekend even though they don't have an option to get the car out over the weekend. I'll be contacting my lawyer.

• Initial Complaint

  Date:04/02/2025

  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 was in a car accident on 3/20/25, my car is considered a total loss. I contacted Affinity Credit Union to start the process of the ************* claim. My car insurance has processed their part of the paperwork and confirmed they have been in communication with Affinity regarding the total loss payout but Affinity Credit Union has not done anything on their end to start or complete the ************* claim. I have called four times! No one is able to give me information, I am always told they will send a message to another department and no one has called me back. I have been approved for another vehicle but the loan I have with Affinity Credit Union must be paid in full before I can have a final approval. It is almost two weeks later and still no contact! This situation is very time sensitive and Affinity Credit Union is not communicating with me at all.

  Business Response

  Date: 04/21/2025

  A letter was emailed to Yaritzaid ******* on April 21st explaining the ************* claim process.  

• Initial Complaint

  Date:03/19/2025

  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 have a loan thru this company. I have always had full coverage on my vehicle, I started a new policy in Sept 2023, somehow in March of 2024 they dropped my insurance and told me I didn't have it. I have been fully fighting this since July of 2024. Because I did not pay their insurance fees because I have proof of insurance, and every couple weeks when I called I was told it would be handled in two weeks. Well come December, they did not post my Nov payment and with all the fees, they repoed my vehicle causing me to shovel out 2600 that I didn't have. My jeep now has damage from the repo and I'm still being charged for their insurance. This is absolutely absurd and I hope every customer gets away from this company. I have proof of all communication and insurance policies. I paid all the fees in the repo and was told I would get the money back. I'm going to contact my lawyers office because yet again was told tonight another 2 weeks.

  Business Response

  Date: 04/16/2025

  A letter dated April 16, 2025, was emailed to Ms. ***** explaining the timeline regarding her complaint.  

• Initial Complaint

  Date:03/18/2025

  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 am writing to bring to your attention a fraudulent account that has been opened in my name with Affinity FCU. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:
  
  Creditor Name: Affinity FCU
  Opened Date: 10/12/2019
  Account Number: *********
  High Credit: $42,951
  I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.
  
  Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/21/2025

  A letter was emailed to Ms. ******* in answer to her complaint which included the name, address and telephone number to contact regarding her account.

• Initial Complaint

  Date:01/28/2025

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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.

  When I originally refinanced my loan over to Affinity my car was titled in West Virginia. I am now an **** resident and have been trying since October of 2024 to get affinity to mail my vehicle title to my local clerk of courts office so I can get the car legal and drive it. It's very difficult to get ahold of anyone helpful at affinitys customer service depot. When I do get ahold of someone I get transferred or the line disconnects. I've left multiple voicemails and don't get call backs and I've sent multiple emails.
  
  All I want to do is get my car titled in **** so I can drive. I've been making loan payments on it for the last 3 years. The vehicle is currently not drivable due to the WV tags being expired. I can't get the car legal in **** unless I have the title switched to ****. Affinitys customer service is terrible. I also want to add that my account is current on payments. I just need some help with this due to affinity not being willing to address this.

• Initial Complaint

  Date:01/15/2025

  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.

  Background:
  
  I financed my vehicle through Affinity Credit
  I maintained continuous insurance coverage throughout the duration of the loan.
  Despite providing proof of insurance on multiple occasions, Affinity Credit Union and/or its third-party insurance vendor, [Name of Vendor, if known], wrongfully placed forced insurance on my vehicle.
  This forced insurance resulted in a significant increase in my monthly payments from $435 to $614, making it impossible for me to meet my financial obligations.
  Despite numerous attempts to resolve this issue through phone calls, emails, and submission of proof of insurance, Affinity Credit Union failed to rectify the situation.
  Due to this unjustified increase in payments and the lack of resolution from Affinity Credit Union, I was forced to voluntarily surrender my vehicle.
  Dispute of Default Claim:
  
  I dispute the claim of default on this account. The circumstances leading to the surrender of my vehicle were entirely beyond my control and were directly caused by the following:
  
  Unfair and Unauthorized Forced Insurance: The imposition of forced insurance without justification and despite providing proof of coverage constitutes a breach of contract and unfair business practices.
  Failure to Address the Issue: Affinity Credit Union's failure to respond to my repeated attempts to resolve the forced insurance issue demonstrates a lack of customer service and a disregard for my rights.
  Request for Removal of Inaccurate Information: Unjustified Forced Insurance: The forced insurance wasn't imposed despite my continuous coverage, representing both a breach of contract and an unfair business practice.

  Business Response

  Date: 02/20/2025

  On January 20, 2025 a letter was emailed to Mr. ******** in response to his complaint.  The letter listed the timeline of the events with his account and the insurance.

  Customer Answer

  Date: 02/21/2025

  
  Complaint: 22813190
  
  I am rejecting this response because:
  
  
  
  Regards,
  
  ****** ********

• Initial Complaint

  Date:12/13/2024

  Type:Service or Repair Issues
  Status:

  UnansweredMore 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 going through a very hard divorce financially struggling but have been keeping up. My issue is the file. With in a few days it goes back to my old phone number on file and address is changed to an address I am not even aware of. I have brought this to their attention numerous times with no help. I call can get asked security questions with wrong information. I feel my personal information is being sent to these incorrect addresses and how my loan is being changed to this information is not my doing. This prevents me from being able to see payments on this loan or to verify what wasn't paid. I am asking for your help in getting this company to understand that just not correcting this is causing me more issues in paying and receiving communication from this company. I should be able to pay my loan as any customer does and not have to sit on hold for over 20 minutes to speak to someone every time i need to make a payment. This is also not a new loan and never had this problem in the past.