Complaints

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

close

Find a Location

Argent Federal Credit Union has 6 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.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Argent Federal Credit Union

  PO Box 72 Chesterfield, VA 23832-0900

  
• 

  Argent Federal Credit Union

  5403 Jefferson Davis Hwy Richmond, VA 23234-2257

  
• 

  Argent Federal Credit Union

  11900 Chester Village Dr Chester, VA 23831-1732

  
• 

  Argent Federal Credit Union

  1901 Walmart Way Midlothian, VA 23113-2692

  
• 

  Argent Federal Credit Union

  11651 Alliance Circle (Operations Center) Chester, VA 23831

  

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:02/10/2025

  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.

  On Thursday, 2/6/25, I received a call from my mother regarding my vehicle loan. She stated she received a phone call stating that my vehicle is up for repossession. My financial privacy rights were violated and given to a third party, my loan is individually owned. Argent Credit Union should amend the hiring policies for tow companies. Argent should hire tow companies that are registered with the BBB to ensure safety and ethical standards.

  

  Business Response

  Date: 02/18/2025

  Thank you for the opportunity to address your concern.  Someone from our lending team has been in contact with you and we will continue to work through this issues with you.  Please don't hesitate to reach out to us directly if the need arises.  

  Customer Answer

  Date: 02/18/2025

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I spoke with ******* *******, with Argent Credit Union, and requested for the tow expenses to be expunged. I am also requesting compensation for mental pain and suffering. Ive attached the statement provided to support the claim. 
  
  Regards,
  
  ****** ******
  
  
  
  
  

• Initial Complaint

  Date:01/15/2025

  Type:Billing Issues
  Status:

  ResolvedMore 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.

  Argent Credit Union started adding a premium of $300 to my car loan in September 2024. That I was never notified of by email, mail, or phone call. I wasn't aware of the extra premium until I received a email on December 24, 2024 saying I had 10 days to come up with $1,100+ or my car could result in repossession. I've provided Argent with information they have requested far as declaration pages of coverage. They seem to be having a hard time retrieving my insurance coverage from ***********. So the result of that is me having to pay a extra premium which I refuse to do. I struggle to pay the $559 car payment alone. But a $866.61 is out of the question plus having to pay $331 for car insurance on top of that. I need a resolution and fast.

  

  Business Response

  Date: 01/17/2025

  Ms. ******,

  Thank you for bringing this matter to our attention.  Argent takes great pride in providing top notch service to our members, and we appreciate you bringing this to our attention.  You are correct, we did not receive proof of insurance from your carrier, thus we charged you the additional money to ensure the vehicle was covered.  Now that you have provided us with proof of insurance, we are issuing you a full refund for the insurance premiums.  We hope this is satisfactory to your and we appreciate your business.  Should you have any other concerns you would like for us to address, you can send us a private message to *********************************************** or you can give us a call at ************.  Again, thank you for bringing this to our attention.  Enjoy your day!

  Customer Answer

  Date: 01/17/2025

  [A default letter is provided here which indicates your acceptance of the business's offer.  If you wish, you may update it before sending it.]
  
  Better Business Bureau:
  
  I have reviewed the offer made by the business in reference to complaint ID ********, and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: *********************************************************************************.
  
  Regards,
  
  ***** ******
  
  
  
  

• Initial Complaint

  Date:10/07/2024

  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 have a car that has been total loss because a tree has fallen on it. My insurance company is trying to pay the remaining balance of the account off. **************** on the other hand not responded to my insurance company with the proper information so that I can pay account off and move on. They been telling me since Friday that someone will call you back and it never happened so far. I cannot move on to buy another vehicle until this is resolved. I'm on day four now and this is something that should have taken no less than a hour to solve. After this, I will never use thus credit union again.

  

  Business Response

  Date: 10/08/2024

  Thank you for the opportunity to respond.  We were notified of the total loss of the vehicle on Friday, 10/4  A tree fell on the vehicle on 9/27.  Geico took possession of the car on 10/1.  We called the Geico adjuster on 10/4, and just heard back today from the adjuster and all necessary paperwork has been submitted.  We would suggest that you keep in touch with the appraiser at Geico to see when your claim will be paid.  

• Initial Complaint

  Date:05/08/2024

  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.

  In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. I am not liable for this debt with Argent Federal Credit Union, I do not have a contract with them, they did not provide me with the original contract as i requested. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish a account without my written instructions In accordance with the Fair Debt Collection Practices Act. Debt collectors are not allowed to communicate with me under the 15 USC 1692C

  

  Business Response

  Date: 05/13/2024

  
  Thank you for reaching out ******************.  We have researched your inquiry and have concluded that you are in fact liable for this debt.  You took out a  car loan with ****************** Credit Union in June 2020. The car was repossessed in January 2021 for non payment on the loan.  The car was sold at auction, but unfortunately  the proceeds did not cover the  balance of the loan.  While you did make some additional payments on the loan, weve not received one from you since April 2023. Partners has since merged into Argent Credit Union.  If you would like to discuss this further, please dont hesitate to call our ************** at ************.

  Argent Credit Union

  Customer Answer

  Date: 05/13/2024

  Better Business Bureau:
  
  I have reviewed the offer and/or response made by the business in reference to complaint ID ********, and have determined that this proposed action would not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I noticed amongst all credit bureaus in total, this account list numerous inaccuracies. Experian, Equifax, and TransUnion all show inconsistent information. In accordance with the Fair Credit Reporting act. This account has violated my federally protected consumer rights to privacy and confidentiality as well as accuracy and fairness under 15 USC 1681. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2: It also states a consumer reporting agency cannot furnish an account without my written instructions In accordance with the Fair Debt Collection Practices Act. 
  
  Regards,
  
  *************************
  
  
  
  
  

• Initial Complaint

  Date:02/08/2024

  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 was in a total loss accident on APR 2023. GAP insurance was paid but Argent claims I still owe $1200 for 2 payments. I had utilized their "skip a payment" service 2 times when my military pay was incorrect. I was not informed at the time of using their service that those payments would not be rolled into the loan which is what they claim now. They also claim that GAP is not responsible for the $1200 because it is no longer part of the loan. The only information given at the time that I utilized their skip a payment service is that it would extend my loan 1 month, for both occurrences.

  

  Business Response

  Date: 02/15/2024

  BBB Complaint ID ********

  Argent Credit Union believes that ********** is not due a refund of the $1200.00 that he is requesting. Here are the details of the incident and our involvement to date:

  
  As ********** points out he utilized our skip a payment loan feature twice. Once in July 2022, and again in March 2023. These payments totaling $1,167.50 would have become due at the end of the loan had the car not been totaled prior to the loan being paid off. The form that ********** was required to sign clearly states You acknowledge that deferring a payment might affect the amount of life, disability or *** claims.
  
  Our records also indicate that ********** had two overdue payments in 2022 which resulted in additional money due to Argent totaling $58.38.
  
  ********** reported the loss of his vehicle occurred in April 2023 and Argent Credit Union did not receive the *** Insurance settlement until Oct 31, 2023, at which time we applied the payment to the outstanding balance on the loan.
  
  ************ initial claim to his *** insurance provider was denied because he had not provided the documentation required by the company to process the claim within the time limit, they required. Argent intervened on ************ behalf and was able to get the claim reopened and approved for payment.
  
  Because the *** insurance payment was less than the balance due, the loan remains an open loan. On Thursday, Feb 8, ****, *********** contacted Argent and we attempted to make payment arrangements with her regarding the remaining balance but were unable to come to an agreement.
  
  Interest and late fees continue to accrue on this loan. Argent Credit Union is happy to reach out to ********** to work out payment arrangements and is willing to waive the late fees However, ********** is responsible for the outstanding loan balance resulting from the deficiency in the *** settlement.