ComplaintsforAtlanta Postal Credit Union

• Initial Complaint

  09/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  We have been charged for auto insurance on a loan despite repeatedly sending in proof of insurance of our own policy. This has been going on since October, 2023. At first, we discovered they had the year incorrect on our vehicle so our insurance did not match up to their records. This took over 6 months to fix. **** had it listed as a 1998, however it was a 1995. Once they fixed it, they continued to charge for insurance. Finally, after repeated calls, they stopped charging us.However, they still have not refunded us the charges of over $1000. I continually call and ask for managers who are always in a meeting. They NEVER call back. I have records of 22 phone calls regarding this situation. It is BEYONE rediculous.

• Initial Complaint

  08/23/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  PLEASE SEE ATTACHMENT

  Business response

  08/26/2024

  We are unable to research this matter with the information provided.  We do not find an account matching the name and address you provided.  Please contact us at ************** and speak with our loan servicing department regarding your account.

• Initial Complaint

  08/19/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I am trying to get my money back. As you can see by the attached items, I have been systematically fleeced of Five thousand nine hundred fifty dollars ($5,950.00), of which the Credit Union says that the only help they can assist with is documentation, to take to the police department for further investigation, which I did. Now I am seeking your help. This fraud began in March of this year. The people that I have spoken with at Atlanta Postal Credit Union says there is nothing they can do to recoup my funds, arent they insured by the ***** and listed with the BBB?

  Business response

  08/20/2024

  This is repeat complaint has already been investigated by the credit union and we have previously responded to this member.

• Initial Complaint

  08/15/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Unresolved

  More info

  I have reached out to Atlanta Postal Credit Union (APCU) on several occasions regards payment issues that I am having on my Home Equity Loan (HELOC) account. APCU will only allow me to pay a maximum of double of what my loan amount is. For example, if my monthly payment is $89.47 it will only allow me to $178.94 and not a ***** more. My wife and I have been attempting to pay off a large sum of the loan for months and are not able to which has resulted in more interest being added to the loan. I find this very illegal as the company is not allowing me to pay down my loan and ultimately making me pay them more in interest. I have sent them messages via their secured message center, in which the keep marking it as resolved. *** spoken to APCU representatives and they have told me they would call me back with a resolve and have never received an answer. Additional I sent screen shots to an APCU representative (***************************) approximately a week ago when speaking to him on the phone and have had no response. I want to be able to pay more off my loan that what they are allowing and my account be adjusted to what it should be if I were able to pay off the large sum I was wanting to months ago.

  Business response

  08/16/2024

  We apologize for this inconvenience and lack of response.  An investigation into this matter will begin today.  We will contact you privately to discuss the details.

  Customer response

  09/09/2024

   
  Complaint: 22150349
  
  I am rejecting this response because:  On August 15, I submitted the BBB Report ID: ********* Since submitting this report, a "*** *******" reached out to me on one occasion on August 16. I originally missed Ms. ******* spoke with Ms ******* on the morning of the 16th. I was able to finally speak with Ms ******* later that day. Ms ******* indicated that she oversees complaints that are submitted against ****. She indicated that they are looking into the issues and would reach back out to me. Ms ******* asked if I would like a phone call or email follow up, in which I indicated both. Later that day, I also received a call from ******* ******* I told Mr ****** that I had already spoke with someone else that day. I provide Ms ******* name to Mr ******* Approximately a week or week and a half ago, Mr ****** called me and indicated that he believed they had a temporary resolve to our issue. Mr ****** adjusted what our minimum payment for the month would be so that we could make our wanted payment. At the time, I did not feel comfortable with making this payment until we knew what adjustments that APCU were going to make to our account since we did not know what they were going to do to adjust our account. I told Mr ****** and Ms ******* that we were willing to make a payment of $5000 to our loan months ago when we were originally attempting to make a payment, however at this time we would be able to make a payment of $4000. As of September 2, there is still not a true resolve to our issue. The **** software will not allow us to make a payment over double the amount. I emailed Ms ******* and Mr ****** to let them know that they is still no resolve and that were were going to submit another report to the BBB and CFPB due to the continued lack of a resolve. Additionally, I indicated that we will be seeking legal counsel for this as this appears to be unlawful as APCU has placed restrictions on us for not being able to pay our loan for the amount we want through their online banking mobile app and web page.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  08/07/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  COMPANY CONTINUE TO VIOLATE "FCRA" SECTION 607 AND 623 " FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES"....WITH REPORTING INCORRECT ACCOUNT DATA AS "CHARGE OFF" $55.00, ACCOUNT PAID IN FULL/ $0.00 BALANCE, ACCOUNT, ACCOUNT NEVER LATE, ACCOUNT# *********, SSN#*******************: FORMAL COMPLAINT AFFIDAVIT FILED WITH "FTC" CASE# *********(2/26/2024)

  Business response

  08/08/2024

  Privacy regulations do not allow us to discuss the specifics of a members account in a public forum.  A member of our staff will reach out to resolve this matter.

• Initial Complaint

  07/14/2024

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  I am not liable for this debt with Atlanta Postal Credit Union. I do not have contact with Atlanta Postal Credit Union. They did not provide me with the original contract as requested.

  Business response

  07/15/2024

   will research this matter and reach out to you privately.

   

   

• Initial Complaint

  06/28/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I have been a member of Atlanta *********** Credit Union for about 40 years and opened this account before I got married. I have recently had some health issues and have been getting "my affairs" in order. I realized my wife was not listed on my accounts at this ********************************************* and requested a form to add her so she could access my account when I die. She will need to use these funds for my funeral expense. The majority of my savings are in a CD deposit and I can not close it to move to another credit union without a large penalty. I completed their required form and sent it back to them in April of 2024. It is now June 28, 2024, and they still have not added my wife to the account. They seem to not want to follow the instructions as stated on their form that I completed and sent in.I need help with requiring them to follow my written wishes as stated on their account change form.

  Business response

  07/01/2024

  I apologize for the delay in responding to your request.  I will have a representative reach out to you today to ensure this matter is handled as quickly as possible.

  Customer response

  07/01/2024

   
  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

  05/10/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I have been a victim of identity theft and have discovered unauthorized transactions and other suspicious activities connected to my identity. I have already filed a police report to address this issue. However, I need further assistance to recover my financial losses, restore my reputation, and have this account removed from my credit report. I would greatly appreciate your help in resolving this matter.--------- ATLANTA POST: Account #***************, Opened on 08/31/2022.---------

  Business response

  05/10/2024

  Thank you for reaching out to us regarding this matter.  I have forwarded your informaiton to our fraud department and someone should contact you soon.

• Initial Complaint

  05/06/2024

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  The fees I had 1500 dollars in nsf. Before it got to this point I called to see what help I could get. The employees would say they would get a manager to call back. Apparently an employee has put negative remarks on my account. In the past if I had made a mobile deposit it would not post before checks cleared. When I asked for a credits. It would be a horrible experience. Ive been with the bank over 13 years. I dont make a habit of nsfs. When I ask how many credit s Ive had. They could not tell me they would refer to curtesy pays. Where I paid a fee then the check. What upsets me. I always get promised a call back no one calls. Or the typical response would be its not a bank error. I never said it was. I asked for help. One *********************** said dont write checks to ******* or dollar tree if the money isnt there. They make no attempt to do a reasonable resolution. Its always my fault. The cant tell me how many credits Ive had over 13 years but its how they validate the reason for not trying to help. Most employees make no attempt to help or have poor attitudes. Im just asking for a reasonable solution

  Business response

  05/07/2024

  Unfortunately, we are not able to discuss a member's personal situation in a public forum, but we will reach out to the member in hopes of resolving the matter.

• Initial Complaint

  04/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I just yalls credit union here two days ago applied for a personal loan and was very offended and very upset to have someone tell me they couldnt verify me knowing I work for the state of ga on capital hill ,I have or have a clearance in order to work for the state and the department I work , like I was told I have false information or documentation when I provided a license and a social security card, the loan department already approved me for the loan but this morning on the 18 I made a counter offer and ask for 2500 because I wanted to pay someone extra bills ,I spoke with a guy name ****** in the loan department its funny how I ask for that amount and got declined and told they couldnt verify my license or social security card, I was verified through the state for the job I have , this very much offends me and Im coming to the point of closing both checking and savings accounts, I wanted to believe this credit union was going to be a better deal for me but it looks like they didnt care how they treated me at all , they could had ask me to rectify or versify the information and send it again that didnt happen at all ,I want a district manager or a director to call me because even talks manager ****** failed to call me and resolve this situation,please reach out to me to resolve this matter and issue if yall want me as a customer thanks .Its also funny how they approved me for 1000 but yet made excuses that my information couldnt be verified, my information was verified because I work at ************ at the executive branch of government for ga

  Business response

  04/29/2024

  Unfortunately, I am unable to speak to specific details of your account in a public forum for privacy reasons.  We have communicated the reasons for the denial via certified mail to the address on your application.

  Customer response

  04/29/2024

   
  Complaint: 21598601
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************

   

  this credit union is the worst , they dont want to help and they did not reach out to me and there customer service is poorly trained and they would not help and the letters did not make sense 

  Business response

  04/29/2024

  The letter did include the information related to the reason for your denial.  We are unable to provide you with further 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. ↩