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Business Profile

Credit Union

Atomic Employees Credit Union, Inc.

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

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Atomic Employees Credit Union, Inc. has 18 locations, listed below.

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    Customer Complaints Summary

    • 6 total complaints in the last 3 years.
    • 1 complaint 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:07/30/2024

      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.
      I keep getting random charges to my checking account. And when I call them. They don’t know, Or don’t have an answer. The ****** charges are supposed to be just charged to my mom’s account only. And we’re not linked in any way. I have random charges from ******, ******* and I haven’t bought anything from those places.

      Business Response

      Date: 08/05/2024

      In reference to the complaint, I have checked the notes on the account and do see the charges.   I would advise the member to stop in to the nearest branch location and we can have him fill our "fraud" paperwork and get the charges removed, if not legitimate charges.  It does look like it is linked to the member's debit card though.  Atomic will do what is necessary to remedy the situation.  If the member would like to contact me directly, I will be more than happy to help resolve these issues.

      My contact information is:

      Branden M*****

      SVP of Branch Operations

      ###-###-####

      ********************

       

      Customer Answer

      Date: 08/05/2024

      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. 



      Regards,



      **** *****

    • Initial Complaint

      Date:02/21/2024

      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.
      The online banking service was down from 02/16/2024 until 02/20/2024 making it impossible to allow for anyone to see current status, upload information electronically, or receive payments electronically.
      I emailed the bank on 02/20/2024 and they acknowledged that there were issues and they only refunded 1/2 of my NSF fees and this was not my error it was theirs as I was unable to deposit any money, payments I had received were "pending and loaded after they decided to take payments out." I as well as many others have had issues with this bank not "manning their operations/systems during a holiday" and it isn't fair to us consumers.

      Also, they made a decision to remove the ability to make cash deposits directly into the ATM and the after hours deposit box NEVER has any envelopes to make a a cash deposit there either.

      Business Response

      Date: 02/22/2024

      Hello Mrs. *********

      I apologize for the inconvenience you incurred over the Holiday weekend, and wanted to let you know I have remedied the situation regarding your Overdraft fees.  It looks as though you received 7 ODP fees over that time, and only 4 were refunded on Tuesday, February 20th.  I want to let you know that I have refunded the other 3 fees (total of $105.00) to your checking account.  If there are any other issues, please feel free to contact me directly.

       

      Thank you for your continued support of Atomic Credit Union.

    • Initial Complaint

      Date:09/06/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      Atomic Credit Union (ACU) in Piketon, Ohio has consistently obstructed, delayed, and refused to honor obligations to the estate of one of their members. 1) In January 2023, ACU would not recognize a power of attorney when the member fell critically ill refused to any release funds to meet the members expenses. 2) After prompt notification of the member's death, ACU failed to freeze the account and continued to make monthly payments on a home appliance warranty from January until August 2023. 3) ACU did not notify the holder of the POA of these payments, nor did they provide statements over a seven month period during which time the estate was being established in Pike County. 4) When notified of the error, ACU agreed to try and return two payments, but would not return the charges on the other four or five errors in payment on the frozen account. 5) At this point, ACU refuses to release excess funds to the estate, despite the fact that sufficient funds exist to honor a lien from a HELOC the deceased had. This creates a situation in which the estate cannot meet its legal obligations to pay bills. This estate is not disputed by any of the family members. All descendants are in agreement, and all documents establishing the executorship in July are properly completed as required by the probate court. Even when notified that proper probate procedures must be followed, ACU's attorney showed complete disdain for following required procedures. Their position is that under Ohio law they can withhold all funds, even though the institution holds sufficient funds to satisfy the outstanding balances of the HELOC.

    • Initial Complaint

      Date:06/08/2023

      Type:Billing Issues
      Status:
      Unanswered
      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.
      Overdraft fees were taken when I was completely unaware I had even over drawn my acc ever. I didn't think it would process a transaction if there wasn't enough funds for it. This situation happened on 6-7-23, @9-10 pm. I have been a member for years now. And never had a NSF fee taken from my acc. So this is a first time scenario for me . I am asking for a waive or refund of the fees if at all possible. This coming out of my acc has me in a very bad bind. If I am correct I believe both times it was overdrawn the time it was processed my acc said I had already the balance of the transaction required. There may have been pending transactions that hadn't processed but I thought that even if it said pending the money wasn't available to be spent regardless. I don't know pls contact me as soon as possible about this matter.

    • Initial Complaint

      Date:03/10/2023

      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.
      3/10/2023 I was told that because I had an account charged off (bankruptcy 2002 or 2003) that I cannot make payments for my son in person. I have paid his payments when he can't get their for about 2 years. Today was $370 and usually 1st of month $140. I write a check and like to get a receipt each time. I was told that I can drop it in night deposit but they cannot take it from me in person. I feel discriminated against. None of my checks have bounced. I have plenty of money in my accounts. I thought bankruptcy came off after 7 years. I'm being punished 20 years later for trying to pay my son's payments for him when needed. What's up with this bull crop? **** ****** making payments for my son ****** *******.
      Thank you

      Business Response

      Date: 03/13/2023

      I apologize for the misunderstanding in this situation.  I will work with my Branch Staff to make sure this does occur again...you are more than welcome to come "in person" to any of our branches to make your son's loan payment(s).  I will note the profiles for both yourself and your son's to ensure this does happen again.  The one thing that we cannot do going forward, is give you a receipt with your son's balances.  The teller can print you off a receipt for your record showing you made the payment, but your son's account number and loan balance will be "masked" since you are not on the loan.  Thank you and hope this resolves this issues.

      Customer Answer

      Date: 03/13/2023

      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. 



      Regards,



      **** ******

    • Initial Complaint

      Date:10/31/2022

      Type:Service or Repair Issues
      Status:
      Unanswered
      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 applied for a loan to refinance my motorcycle. I went to their *****, **** branch and spoke to Chris H***. I asked her to make sure my son is not listed as a co-signer. She agreed. When my son signed a pwer of attorney for her to remove his name from the title, she told him everything was taken care of. Two months later, my son received a statement from ****** ******** notifying him I had missed payments. I did not call the credit Union to check on my refinance loan. At this time, I would like to know what the status of the loan is, when they can refinance the motorcycle, and to make sure that my son's name is not on the paperwork as a co-signer, nor do I want Chris H*** to work on this.

    Atomic Employees Credit Union, Inc. is NOT a BBB Accredited Business.

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