We use cookies to give users the best content and online experience. By clicking “Accept All Cookies”, you agree to allow us to use all cookies. Visit our Privacy Policy to learn more.

Manage Cookies
Resources for Businesses My BBB
Share
Business Profile

Credit Union

American Heritage Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

Find a Location

American Heritage Federal Credit Union has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

    Please enter a valid location.

    Customer Complaints Summary

    • 63 total complaints in the last 3 years.
    • 18 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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:05/11/2025

      Type:Product 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 refinanced my truck with America Heritage CU in 12-10-24 I had signed all required paperwork sent in my information including proof of insurance and then decided not to take the loan despite several calls being informed that they would not go through with the loanthey proceeded with the loan with in the next month they started requesting insurance information they have this information I still provided the required information several additional times and also had my insurance agent fax them the insurance information and my agent received fax verification despite my best attempts to resolve this matter on 4.22.25 American Heritage added ******* for additional insurance coverage that I didn't need or agree to. I have called and emailed several times trying to get this resolved and a refund to no avail. This leaves me having the additional expense of seeking legal representation. T

      Customer Answer

      Date: 05/21/2025

      Just letting you know,  that  American Heritage CU,  has refunded the money to   my account  .


    • Initial Complaint

      Date:04/21/2025

      Type:Product 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 payed a bill on 4/17/25 it showed up on my account as pending and was deducted from my balance when I saw I did have extra money I used it and even put some back. Today 4/21/25 I get hit with ***** overdraft twice and was told my bill was not paid. This has happened a few times and now I see its not my fault. How do they get away with this? Talking to someone is like talking to a robot like their reading what they are suppose too say

    • Initial Complaint

      Date:04/17/2025

      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 have been asking them since 2024 AT LEAST to CLOSE my checking account. I HAVE FILLED EVERYTHING OUT TWICE on docusign, TWICE!! UPLOADED MY ID TWICE!! They are STILL denying it!! I JUST WANT MY ACCOUNT CLOSED!!! What on GOD'S green earth is the ISSUE??!?!?!?!? THEY EVEN ASK INVASIVE PERSONAL QUESTIONS!! WHAT???? I ANSWERED EVERYTHING EVEN THOUGH IT WAS PERSONAL!!!

    • Initial Complaint

      Date:03/17/2025

      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 was forced by American Heritage Credit Union to take ************* coverage through one of their partners ****. When it came to my car being totaled I was left with about $3000 to pay the bank still out of my pocket. The credit union and their partner **** and the whole world knows what GAP is for and they are not living up to the name although I made all my payments and carried insurance as I was expected. This is a breach of contract.

      Business Response

      Date: 04/07/2025

      In researching, it appears this was a loan generate through our indirect auto dealer portfolio.  The ************* was purchased from the dealership, not American Heritage. The entire remaining loan balance is not fully covered by the *************.  

      **** ***** (Indirect Lending American Heritage) reached out to member to discuss the concerns.  The member said he didnt like the *********** he was put through since they wouldnt pay the full amount owed. **** reviewed the process for how the amount paid is calculated and that it likely includes other deductions and deductibles.  **** advised the member that he would be receiving a Warranty refund for approximately $390.00. The Warranty refund was requested by us on members behalf back in Dec. but when we spoke to the company today, they advised us that it had not been processed yet but would be completed today. American Heritage internal quality control has also requested the breakdown of the *** claim and will review once received. **** also advised member that we would remove the late payment credit reporting as a courtesy since the *** claim was in process during this time.

    • Initial Complaint

      Date:03/07/2025

      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.
      To Whom it may concern,This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. AMER HER FCU - ***************** - $497.00 Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

    • Initial Complaint

      Date:02/08/2025

      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.
      I applied for a $6,000 personal loan from American Heritage Credit Union. I chose them because I already have an auto loan from them. The rate I was expecting was a *****% rate since I have a 757 credit rating. They approved my loan but with a 12 plus interest rate. When I questioned them they told me my credit rating was 712 so it did not apply to the lower rate. I stated it was impossible because it is 757(I checked the rate that day thru Experian). They told me they use fico 9 whatever that is. I was able to get my fico 8 report it was 773! I called **** and the representative had no explanation for the credit rating they recieived. My thought is that they are being deceptive to get a higher interest rate out of me.

    • Initial Complaint

      Date:02/06/2025

      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.
      Fact, that I am requesting books of accounts and ******************** and corporate records regarding this alleged debt pursuant to 15 usc 44."Documentary evidence" includes all documents, papers. correspondence, books o(*******, a a financia@nd corporate records. "Acts to regulate commerce" means subtitle IV of title 49 and the Communications Act of 1934 |47 U.S.C. 151 et seq.] and all Acts amendatory thereof and supplementary thereto,

    • Initial Complaint

      Date:02/05/2025

      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.
      They switched the way they allow their customers to pay their bill. Once the payment thing was switched I was unable to register my account. I have called multiple times and even did a zoom call with one of their representatives. They will not fix the problem, they will not take a payment over the phone without charging me and they told me that its not their problem that their system does not work, it is my problem because I'm the one who needs to pay my bill.

    • Initial Complaint

      Date:01/13/2025

      Type:Product 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.
      On or about November 18 2024 I traded my ******************* on a 2025 **** F150 STX. The loan was held through American Heritage FCU. It was paid off by the dealer Fairway **** ******** ****. I received a letter from the Title Controler from ***** stating loan was paid in full on November 18 2024 . I had an extended warranty and ************* that I needed a refund for. Prior times this always went through the dealer that I purchased from but this time due to the fact it was a refinance I had to go through Refi Jet .com. The proper forms were filed and I wzited for my refund($2700) I checked with Refi jet after several weeks and they indicated the checks ($2000 & 700 ) were sent to ***** since then I have made numerous calls to said credit union and they have indicated they did not revive the checks. I called again and this time the checks were confirmed to have been revive and a check was being sent to me. That was prior to Christmas. Several more contacts to the credit union and still no check to me and they said I would be receiving in 7 to 10 days. This was after Jan 1 2025. After 2 more contacts today 1/12/2025 I contacted Credit union and they had no idea what was going on I then contacted Refi Jet and they called AHFCU. They told her that they had received the checks and would be sending the money to me today. I was told to double check in the afternoon and I did so . After being on the phone for more than an hour I I finally was able to speak with yet another person who indicated they have no idea what is going on. I then asked to speak with a manager and I was told after a long wait that they would contact me tomorrow. This is ridiculous they have over $2700 of my money and it has been 3 months for something that normally takes several weeks. I am asking that this money be overnighted to me immediately. No response!!!!!

      Customer Answer

      Date: 02/10/2025

      I did finally get my check which interestingly enough happened after your communication to them. I think it is interesting that they never responded. Very typical of this place. You may close the dispute as it has been resolved. But I am not surprised that there was no response. From them. ****** R ****

    • Initial Complaint

      Date:01/10/2025

      Type:Customer Service 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.
      They used to offer a service to pay as a guest. They now stopped offering this and want you to register online to be able to pay your bill. I have attempted to register multiple times and I am unable to. I have called every day from 1/6-1/10 in an attempt to pay my bill and register the account. Nobody can figure out what is wrong with the account or why I cannot register. In order to pay online they want to charge me a $10 fee. I don't understand how this is my fault that they cannot figure out why my account won't register. Not only will it not register but I have to sit on hold every single day for over an hour in order to talk to someone. This is very inconvenient saying as I work overnights. It is really messing up my sleep schedule.

    American Heritage Federal Credit Union is NOT a BBB Accredited Business.

    To become accredited, a business must agree to BBB Standards for Trust and pass BBB's vetting process.

    Why choose a BBB Accredited Business?

    BBB Business Profiles may not be reproduced for sales or promotional purposes.

    BBB Business Profiles are provided solely to assist you in exercising your own best judgment. BBB asks third parties who publish complaints, reviews and/or responses on this website to affirm that the information provided is accurate. However, BBB does not verify the accuracy of information provided by third parties, and does not guarantee the accuracy of any information in Business Profiles.

    When considering complaint information, please take into account the company's size and volume of transactions, and understand that the nature of complaints and a firm's responses to them are often more important than the number of complaints.

    BBB Business Profiles generally cover a three-year reporting period, except for customer reviews. Customer reviews posted prior to July 5, 2024, will no longer be published when they reach three years from their submission date. Customer reviews posted on/after July 5, 2024, will be published indefinitely unless otherwise voluntarily retracted by the user who submitted the content, or BBB no longer believes the review is authentic. BBB Business Profiles are subject to change at any time. If you choose to do business with this company, please let them know that you checked their record with BBB.

    As a matter of policy, BBB does not endorse any product, service or business. Businesses are under no obligation to seek BBB accreditation, and some businesses are not accredited because they have not sought BBB accreditation. BBB charges a fee for BBB Accreditation. This fee supports BBB's efforts to fulfill its mission of advancing marketplace trust.