Complaints
Need to file a complaint?
BBB is here to help. We'll guide you through the process.
Complaint Details
Note that complaint text that is displayed might not represent all complaints filed with BBB. See details.
Initial Complaint
12/27/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Answered
I made a transfer to my checking account. My account was closed, instead of rejecting the deposit the ** transferred it to a savings account with no access to transfer or remove the funds. They than withdrew the funds to make a payment to a credit card. I called several times to resolve this issue.They intentionally deposited my funds to a account that I didn't authorize, in order to steal them for their own agenda.Customer response
12/27/2024
Sending proof of illegal transactions
Business response
01/13/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.Initial Complaint
12/23/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
On November *******, I noticed a random charge of $999.00 that was pending. I called Baxter Credit Union the same day to dispute charge and they said they will look into it. I did not hear back so I call again on 11/21/2024, was informed case was denied because my debit card was used and since I paid money to ****** in past it must have been me. I informed them my ****** account has been locked since April. I sent proof of my account locked and that I had zero transactions on my end. I called ****** and the verified there was no withdrawal of $999.00. I informed Baxter of this and they still denied my claim and refused to look into it. I told them ****** willing to talk to them to verify Im telling truth but they will not believe me. They will not allow ****** to verify the money was not sent to or from me. That they have no records of this transaction at all. I called again on December 19 to Baxter Credit Union and they said a supervisor would contact but the person never called. December 23 I called again to have this looked into and they said theyll open case but theyre only going to close it because my debit card was used to ****** like in past. I pointed out thats not true, all my previous transaction was ACH instant transfer while this one was a debit card transaction. They said it doesnt matter if the transaction do not look the same they still will not investigate it.Business response
01/02/2025
We have completed our investigation. Please see the attached file for more information. *********, ***.Initial Complaint
12/07/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
According to 15 USC 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. BAXTER CREDIT UNIONDate:5/6/2024 Acct#****************Business response
12/13/2024
If the member is alleging identity theft, we kindly request that they contact us at ************ for assistance in opening an identity theft claim. We look forward to the opportunity to help this member resolve this matter. *********, ***.Initial Complaint
12/06/2024
- Complaint Type:
- Billing Issues
- Status:
- Resolved
I paid a check by mail for my auto loan and they put it on another account I have with them when it said on my check it is for the car payment I am working with national debt relief on paying my other accounts with them and making monthly payments of over $600 I can not afford to pay another $450 for my November payment and they have reported a late payment with the credit bureau.Business response
12/24/2024
We have completed our investigation. Please see the attached file for resolution. *********, ***.Customer response
12/26/2024
Complaint: 22650968
I am rejecting this response because:Because I sent a check for $450 and only $371 was applied to my car loan.
Sincerely,
**** *****Business response
01/06/2025
We have completed our investigation. Please see the attached file for resolution. *********, ***.Customer response
01/06/2025
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.
Sincerely,
**** *****Initial Complaint
12/04/2024
- Complaint Type:
- Sales and Advertising Issues
- Status:
- Answered
I expressed to Baxter Credit Union that I invoke my right to privacy under the color of law. Pursuant to Georgia Code 13_13-4-101 the good faith payment was applied by Baxter Credit Union July 2024 settled and closed the account balance. ******************** is reporting 90 day late payments that is Harassment, abusive and oppressive to me. Pursuant to Section 810 ILCS 5/3-311 the alleged debt was performed in good faith. I confirmed with Oneida and asked for a copy of the money order that was applied to the balance of the alleged auto loan balance to settle and close the matter that was accepted by Baxter Credit Union to satisfy the balance to settle account July 2024. ******************** refused and has retaliated by using extreme extortion tactics and withheld my use of funds and charged off my checking account and revoked access to make mobile deposits in to my open accounts. ******************** also caused my loan payments to be delinquent because of their aggressive control after I revoked power of Attorney. I have suffered from my other accounts because of the oppression caused by Baxter Credit Union.December 2024 I issued another cease and desist from all communication mediums, through any electronic communication medium spoke to ***** in Baxter Credit Union ********************* refused to give his name, email or information on the cease and desist all communication verification. In February and November 2024 I revoked the Power of Attorney from Baxter Credit Union and its affiliates use. I am being harassed and oppressed and my accounts have been frozen. Baxter Credit Union is to discontinue communication through any medium with consumer reports has been ignored. Baxter Credit Union does not have my consent to use my non public personal information including my name or its likeness in connection with the collection of any alleged debt. He who seeks equity must do Equity.Business response
12/18/2024
We appreciate you bringing this to our attention. Sincerely, BCU.Initial Complaint
11/08/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
BCU #*********** BCU #**************** Before my hardship, I was a loyal customer for almost 12 years. During my hardship, I had a balance that was charged off. Months ago I contacted Baxter Credit Union to inform them of the **** VIOLATIONS on my report for the accounts. The Violations were never addressed and they informed me my accounts were sold to different companies and I needed to pay. No regard to the **** VIOLATIONS. Baxter Credit Union, no longer has my consent to give out my information and they don't have my written consent. Any consent previously obtained whether it be verbal, non-verbal, written or otherwise is revoked. Baxter Credit Union, never informed me of my right to utilize the nondisclosure agreement. Baxter Credit Union should not have given out any information relating to accounts to any consumer reporting agency because I know my accounts are reporting the information inaccurately. I have the right to opt out of the information Baxter Credit Union obtained at any time. I am opting out of your reporting services. I repeat, I AM OPTING OUT. I no longer have business with your company since Baxter Credit Union has sold my information to other agencies. I demand for Baxter Credit Union to delete the credit report accounts and I will do business with the collection companies only.Business response
11/21/2024
We have completed our investigation. Please see the attached files for more information. We consider this matter closed. *********, ***.Initial Complaint
10/11/2024
- Complaint Type:
- Billing Issues
- Status:
- Answered
According to 15 U.S.C 1681s-2(a)(1)(A) and (B)to report inaccurate informationPlease DELETE this information from my credit report, pursuant to section 611 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information.Section FCRA 611(a)(6)(B)(iii) and (7) of the Fair Credit Reporting Act, 15 U.S.C. 1681i, and send the required notifications to all furnishers of this information. Fair Credit Reporting Act, 15 U.S.C. 1681s-2 Section 623(a)(8)(D) Section 603(p), must notify consumers in writing if they may furnish or have furnished negative information to a CRA. Section 623(a)(7).According to 15 USC 168i(15) the credit bureaus have to modify or Delete fraud Account that are not reporting accurately. According to 15 USC 1681b(1) the credit bureaus dont have no written permission. According to 15 *** 1681 have the right to privacy According to 15 *** 168s- 2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate . (B) Reporting information after notice and confirmation of errors According to 15 *** 1681 I have the right to privacy According to 15 *** 1681s-2 A person shall not furnish any information relating to a consumer to any any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. (B) Reporting Information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency (i) The person has been notified by the consumer, at the address specified by the person for such Notices, that specifies information inaccurate, and (ii) the information is, in, fact, inaccurate. Inaccurate Information on my credit report is causing me financial distress BAXTER CREDIT UNION date:3/22/2024 Acct#****************Business response
10/15/2024
If the member is alleging identity theft, we kindly request that they contact us at ************ for assistance in opening an identity theft claim. We look forward to the opportunity to help this member resolve this matter. Sincerely, BCU.Initial Complaint
10/11/2024
- Complaint Type:
- Service or Repair Issues
- Status:
- Resolved
I have a loan with *** due on the 25th each month. I paid late last month on 9/24 and was due again on 9/25 but did not go past the 30 days. Then on Friday the 27th I get an email stating my payment was rejected for ***. I contacted my bank who confirmed not possible as funds were there. I contacted *** via number listed on email. I was told they see nothing on their end an to disregard, payment is fine. I expressed concerns if payment is kicked back I will go 30 days pay due. Again told to disregard but keep eye on payment. *** said nothing is ***orted credit bureau until the 1st so if It kicks back I can make payment on Monday 9/30. I monitored it all weekend there was nothing. On Monday morning checked again there was nothing. Figured it was ok. Later in the day I check my checking account and notice payment has not been drafted so I log on to *** and check. So on the EVENING on the 30th they returned the payment. I immediately made another payment but since it was after cut off it did not post until 10/1. They proceeded to ***ort me 30 days past due on credit ***ort. This was all done very shady. I have proof of phone calls and asked them to correct the ***orting. The *** I spoke with agreed and submitted the request; I received an email today saying none of this occurred and their ***orting is correct. Again I have proof this happens as does ***. This is no way to conduct business, and I have never been 30 days past due. I would like this corrected to the credit bureaus.Business response
10/22/2024
We have completed our investigation. Please see the attached file for resolution. *********, ***.Customer response
10/22/2024
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.
Sincerely,
******* ********Initial Complaint
09/27/2024
- Complaint Type:
- Customer Service Issues
- Status:
- Resolved
THE RUDEST ALIVE PEOPLE I HAVE NEVER MET, TRYING TO HURT BLACKS, THESE PEOPLE THINK BECAUSE I AM PAYING MY BILLS THEY DESERVE THE RIGHT TO PROHIBIT WITHOUT TELLING ME MY DEBIT CARD PLUS, MY OVERDRAFT, AS GOOD AS THAT FEELS TO THEM, IT FEELS FOR MYSELF THE SAME WAY TO CURSE THEM OUT BEYOND MEASURE TO HURT BACK ALWAYS FOR ETERNITY!! THEN PRAY BECAUSE THEY DESERVE THE WORST WHEN SOMEONE CAN NOT PAY THEY BILLS BECAUSE OF THE WAY THEY MISTREAT OTHERS. TWO JOBS AND THE MORE I CRY THE MORE RAGE GROWS FOR EVER ON ANY ONE WHO KEEPS ON TRYING TO BREAK ME, YOU KILLED MY NIECE NOW TRYING TO TAKE AWAY MY MONEY FOR BILLS!!!!!!!!!!!!!!!Business response
10/11/2024
We have completed our investigation. Please see the attached file for more information. We respectfully request that all future interactions remain courteous and considerate, as we are committed to providing our staff a safe and respectful environment. Further abusive or threatening behavior will be reviewed and acted upon. Sincerely, BCU.Initial Complaint
09/22/2024
- Complaint Type:
- Product Issues
- Status:
- Answered
My credit union account was closed, but I was not given the account balance back as a refund. I would like the $26 back. I have contacted the company *** but they have refused to refund my money. I asked to have someone else contact me about my complaint, but never received a call back, I will be contacting **** as well.Business response
09/27/2024
We have completed our investigation. Please see the attached file for more information. *********, ***.
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. ↩
Customer Reviews are not used in the calculation of BBB Rating
Customer Complaints Summary
166 total complaints in the last 3 years.
57 complaints closed in the last 12 months.
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. BBB Business Profiles are subject to change at any time. If you choose to do business with this business, please let the business know that you contacted BBB for a BBB Business Profile.
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.