Complaints

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

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Guardian Credit Union has 7 locations, listed below.

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  Guardian Credit Union

  7801 S Howell Ave Oak Creek, WI 53154-2134

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  Guardian Credit Union

  1501 E Sunset Dr Waukesha, WI 53189-8029

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  Guardian Credit Union

  1025 Milwaukee Ave S Milwaukee, WI 53172-2005

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  Guardian Credit Union

  11220 W Oklahoma Ave Milwaukee, WI 53227-3937

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  Guardian Credit Union

  W186n9559 Bancroft Dr Menomonee Fls, WI 53051-8009

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:12/19/2022

  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.

  Paid off car loan through bankruptcy. Received LIEN RELEASE from *** November 2020. Suddenly December 2022 we have two late payments and owe $42?! They have marked account as charged off for last 27 months. Account was closed November 2022 after loan paid in full. No payments were missed. Once *** agreed to be paid in bankruptcy, the trustee makes payments, not me. Payments for creditors are paid when trustee reeks like it. Supposed late payments occurred AFTER *** agreed to new payment terms through bankruptcy. Deceptive reporting and incorrect reporting. *** has copies of all paperwork already. They sent me the lien release indicating loan paid in full.

  Business Response

  Date: 12/23/2022

  Thank you for reaching out with your concern.  Our ********************** is aware of the issue and is working with the credit bureaus to ensure that all of your credit information is being reported accurately.  We have communicated the issues with the credit bureaus and they should be corrected soon.  If there are any additional concerns, please feel free to speak with our ********************** and they will assist you.

  Customer Answer

  Date: 01/02/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  
  I have contacted the local West milwaukee branch four times in the last two years to get this resolved. I spoke with ************* and *****************. I am always told the problem is fixed, but then I find new stuff on my credit report that isnt even valid. I received a lien release from you, guardian credit union, in November 2020. At that point, the loan was paid in full and that loan account be closed. There is no write off because auto loan was paid in full. There were zero late payments. GCU agreed to be paid through bankruptcy and must accept payments from trustee because I was restricted from making payments outside of bankruptcy. I should not be penalized for late payments when I have no control over what the trustee does. When you agreed to be paid back through bankruptcy, youll follow the rules and laws of bankruptcy. I followed all of them. I want my credit report cleaned up immediately because this is just not acceptable. My loan should be closed in November 2020. There should be no charge offs or late payments on my account. There is no excuse for this behavior because it is very unprofessional. If you dont get this fixed very soon, I will contact an attorney and get this fixed. 
  
  Regards,
  
  ***********************

  Business Response

  Date: 01/04/2023

  It is my understanding that ** reached out yesterday to discuss the situation further and that we now clearly understand what the specific credit reporting issue is.  A request has been sent to the credit bureau to make the correction.  If there are any additional questions or concerns, please let us know.

  Customer Answer

  Date: 01/06/2023

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear Regards,
  

  Because of the inaccurate/incorrect reporting my credit score dropped 130 points. The incorrect reporting has been removed, but my credit score is still more than 130 points lower  Guardian was the only negative thing on my credit report since I have ever had credit  I want my credit score fully restored to my original number since this issue was not my fault but the fault of the creditor. My credit score should not suffer because of gcus incorrect reporting. Once my credit score is fully restored, then I will consider this closed. Until then, my credit score has been ruined by guardian credit union through no fault of my own. Fix it.  

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