ComplaintsforAtlanta Postal Credit Union

• Initial Complaint

  04/11/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  I do not have a contract with about Atlanta Postal Credit Union. They did NOT provide me with the original contract with my wet signature as requested.

  Business response

  04/11/2024

  We have not had time to supply you with the information requested, as we only received your request for information in our office yesterday, 4/11/24.  Our staff is researching the matter and will provide a response within 30 days.

• Initial Complaint

  02/20/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  ALL OF THE ******ES OF ATLANTA POSTAL CREDIT UNION ARE HORRIBLE! I HAVE BEEN A LOYAL CUSTOMER OF APCU FOR OVER 20 YEARS!!! THE CUSTOMER SERVICE REP AND ********** ARE ALL UNPROFESSIONAL, LACK EMPATHY , AND OVERALL HAVE MADE MY LAST YR OF BANKING WITH APCU ONE OF THE WORSE!!!!!!! ALL OF THE EMPLOYEES AT ALL THE LOCATIONS ( I HAVE BEEN TO ALL OF THEM BC AGAIN I HAVE BEEN BANKING WITH APCU FOR OVER 20 YEARS), HAVE RUDE, YOUNG & OLD BLACK WOMEN WHO DO NOTHING TO HELP ANYONE WITH THEIR ISSUES. EVERY LOCATION, YOU ARE MET WITH ATTITUDE, AND NO ONE SEEMS TO CARE AT ALL BC YOU ARE BOTHERING THEM AT WORK. I HAD MY **** CARD SHUT DOWN DUE TO FRAUD DURING THE **** OF FEBRUARY 5TH, THIS WOULD BE THE 2ND TIME I HAVE HAD FRAUD ON MY ACCOUNT. I DID NOT GET A FRAUD ALERT FROM MY BANK HOWEVER ATLANTA POSTAL CREDIT UNION TOOK IT UPON THEMSELVES TO SHUT DOWN MY **** CARD WHICH IS LINKED TO MY PRIMARY ACCOUNT. I ATTEMPTED TO GO TO THE DECATUR LOCATION ON ********************* AND WAS MET WITH A UNPROFESSIONAL ASST ****** MANAGER (******) AND TOLD "THERE IS NOTHING I CAN DO , U NEED TO SPEAK WITH **** AND CALL THEM" I SAID WHO IS "THEM", SHE SAID THE 800 NUMBER, THE ROOM SMELLED OF FRIED FOODS SO OBVIOUSLY I WAS INTERRUPTING HER LUNCH. I CALL TO SPEAK WITH THE ** OF ERM (*************************) AND SHE CANT SPEAK WITH ME BUT EMAILS THE MEMBER SERVICES REP AND TELLS HER MY ACCT WILL BE UNDER REVIEW UNTIL AUGUST AND THEY REFUSE TO ISSUE ME A NEW **** CARD. I AM REMOVING ALL MY FUNDS FROM MY ACCOUNT AND I HOPE THIS CREDIT UNION MEETS THE DEMISE IT DESERVES!!! THIS WHAT YOU GET WHEN YOU HIRE ALL MINORITIES, THEY DONT CARE! PERIOD! WHEN YOU ASK FOR A MANAGER, THERE IS IMMEDIATE PUSH BACK AND NO ONE CAN GIVE ANSWERS. I WILL NEVER EVER RECOMMEND ATLANTA POSTAL CREDIT UNION AND I HOPE ALL THE ******ES CLOSE DOWN IMMEDIATELY! LOYAL CUSTOMER FOR 20 YEARS AND I'M TREATED LIKE A LIAR AND THIEF. MY TAX REFUND IS GOING TO THAT ACCOUNT AND GUESS WHAT???? THEY WONT ALLOW ME ACCESS UNLESS I GO INTO AN ACTUAL BANK

  Business response

  02/22/2024

  Privacy regulations prevent us from discussing the details of this matter in a public forum, but we appreciate the opportunity to investigate this issue.  We will reach out to the member individually with our findings.

• Initial Complaint

  12/06/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I'm filing a complaint due to a resolution to a fraudulent activity claim I filed. On November 3, I used my APCU **** card at a **** of America ATM machine in ********** ** to withdraw $50, which was successful. About a week or so later I attempted to withdraw additional funds from the same BOA ATM machine in ********** ** and was surprised to learn that there were insufficient funds. After accessing my account online I noticed there was a $150 ***** Fargo ATM withdrawal dated 11/3 in ***** *******. I immediately made contact with card services and eventually reached a customer service agent and informed him of the issue. He said he would cancel the current card but I wasn't all that comfortable with the exchange so I called the following week and spoke with another agent. After explaining what I'd discovered this agent made the following comment: "it looks like your information might have been captured". With electronic fraud being such a widespread and ongoing security issue, this made the most sense to me because I couldn't have been in two states at the same time. She also informed me that she did see in the system that my card had been deactivated and another one would be sent out but it could take up to 60 days to resolve. I did receive a replacement in the mail but when I called yesterday to get a status update on my claim, I was disappointed to find that my claim was denied because my PIN was used, or something to that effect. What I'm most concerned about is whether or not a thorough investigation was done, if at all. I know myself I wasn't in ***** but without a time stamp to prove this, I just question the integrity of this "investigation". I would like for a thorough investigation to be conducted as I'm sure it would prove I couldn't have been in two states at one time and most importantly I want the money that was fraudulently stolen from my account to be reissued back to my account.

  Business response

  12/06/2023

  A member of our team will reach out to ************** today to resolve this issue.

• Initial Complaint

  11/08/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  We keep getting payment late notices on a vehicle loan that has been paid in full for 60 days.

  Business response

  11/16/2023

  ******************,

  We appreciate the opportunity to look into this matter for you.  I have spoken with our loan department, who were able to determine the issue and clear the matter.  Please feel free to reach out to us for any further information on this account.

  **********************.

• Initial Complaint

  10/25/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  On 10/25/23, I received a text from the **** FRAUD ***** I was informed of fraud committed against my debt card, when I asked to get the information in writing about the fraud or an email of the fraud report, I was given the run around and disconnected from the phone call three times. I want the fraud report in writing due to **** past history with dealing with fraud. Last year they were hacked and the entire system was shut down for several days. PROVIDE the fraud report when it is requested by the customer.

  Business response

  11/17/2023

  I spoke with **************** today and explained the situation related to her compromised card.  We regret that this issue was not handled in a satisfactory manner to begin with and will work with staff to ensure this doesn't happen again.

• Initial Complaint

  10/23/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  The Atlanta Postal Credit Union is holding my payments for 8 days or more, for .y credit card. I transferred money from my savings account, same APCU, to pay APCU credit card, and my payment or access to those funds was held for 8 days.Sent an electronic transfer on Oct.17th of $600. They will not post for 8 days. They told me. New Policy last couple months. We hold payments to make sure they clear.Not legal to hold my money for 8 days until access is approved.

  Business response

  11/17/2023

  We have explained the program we use for posting payments to revolving accounts.  For exceptions to this policy, members should call and speak with a member services representative after the payment is made.

  Customer response

  11/17/2023

   
  Complaint: 20772242
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

• Initial Complaint

  08/20/2023

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  First, let me state that I been a Loyal Customer since I was about 30 years old, or longer. This Creditor does ******** About the Consumer or Consumer Loyalty. Atlanta Postal Credit Union (APCU) is Fraudulently Responsible and Reporting to my Credit Record on All 3 Credit Bureaus that I had a Credit Card that Charged Off @ $370.81 dollars. They are Wrong and they should have this removed from my Credit Report and Record and resolved Immediately because they Intentionally Charged Off My Checking Account not a ********************** Card! I paid off the only **** Credit Card in 2022. I only had 1 Credit Card. On October 28, 2022, I booked Southwest flight from ****************** to Atlanta for Medical Reasons and then I booked an Uber from Atlanta Airport. I had been Diagnosed with Cancer and I had been on the trip to stay with my son for awhile in ********, until I had been diagnosed . Due to the fact that I was diagnosed with cancer I had No choice but to go back home and prepare for my treatments and surgery.I have had this Checking Account #******** for as long as I been a member.I never had any problems with this account before that Threaten my Account to close, if I received any Overdrawn fees on the account, I paid for the account checks and the overdrawn fees. However, I did not have the money for this transaction because of my Long fight with Cancer and other Medical Bills. I called the Credit Union (APCU) and explained the issue as I explained above about my Medical Diagnosis, but Clearly this was not enough for APCU to care, offer other options to pay, Atlanta Postal Credit Union (APCU) chose to hurt me and my Credit Report and Record by Refusing to provide any further assistance for the situation and placing Negative Value on my Credit Report with ALL 3 Bureaus.I am seeking compensation from APCU in the Credit Union Removal of Negative $370.09 Reporting; Resolved the matter of the complaint with me By Resolving this issue with my credit report by @ Removing and Resolving by A Paid in Full to my credit record and reports with Atlanta Postal Credit Union (APCU). Now!! Because of the Credit Union NEGATIVE things that have been happening to my Credit file and Credit Score for at least 5 months, Plus or more because of this. Atlanta Postal Credit Union (APCU) doesnt allow you to pay for any bills with other options they only prefer to send you to Collections. I have contacted ***************************** in Collections and he Never responded back to my Emails sent; I have since Contacted the CEOs office and spoke with *******************************; ************** , CEO Secretary. I had an Attorney for the matter awhile back to write ********************************* and he Did Not respond to her Letter sent to him Clear My Record and Stop the Hurtful Fraudulent Reporting. He evidently didnt care because the emails and letters had Attention: ********************************* addresses. This Credit Union has seek to Destroy My Good Name because of the fact that I Am about to pay off my Car Loan in the amount of $710.00 dollars which I believe this is the Reason for the Fraudulent Reporting of to Damaged my Credit Score!!

  Business response

  08/28/2023

  We have been in contact with the member regarding this matter.  

  Customer response

  08/28/2023

   
  Complaint: 20496552
  
  I am rejecting this response because:

  this should have never been reported to my Credit Bureaus record if they wanted to report it to my records. CHEXSystems is for behind Checks accounts.

   I have reached out several times and ***************** insists upon damaging my accounts and records 
  
  Sincerely,
  
  *****************************

  Business response

  08/28/2023

  Unfortunately, we cannot discuss member information in a public forum.  We have responded to ****************.

• Initial Complaint

  08/18/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  Transaction date 8/4/23 I have account with ********************** trying to make a deposit, the teller was declining to complete service, didn't want to accept deposit stating that check was written in spanish. Check came from a bank in *********** which is part of *************. Finally after a long time waiting in the lobby credit union accepted the deposit. Today 8/18/23 still no signs of funds available in my account and no contact from bank stating why.

  Business response

  08/28/2023

  We have been in contact with the member regarding this matter.  

  Customer response

  08/28/2023

  I didn't hear from the business at all, after submitting my complaint to *** my money was released.  Thank you ***.

• Initial Complaint

  07/10/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I have been banking with Central Park/Atlanta postal credit union for approximately a year now. Throughout this entire year of course, our country has been facing a pandemic and great financial strain.14 nsf paid 12 nsf return 37! courtesy pay fees have been assessed to my account $32 each. And many of these have been during technical difficulties or because I am unable to reach a representative to get assistance with my account. I have blocked my debit card to prevent fees to no avail. The reason I have so many courtesy pay fees is because I will *** the feature to prevent allowing any additional charges to go through on my account because it cost me more when they do. Even when Ive blocked my card you all are still allowing charges to go through. There of been two occasions, where I have requested to cancel the check and, not receive a response and no action has been taken. Im requesting someone intervene because this Has to change Im a single parent I have had Covid three times myself during this time frame and been out of work. It was my understanding that credit unions are in the community to assist the community not take from us and thats all Ive been experiencing with this baking institution . There have had data breaches that no one advised us of. I just randomly received a new card. You all are not taking into account how incredibly inconvenient this is for us because we have these cards on different accounts that we are responsible to pay you randomly deactivated our old cards for these new cards that were sent out, but didnt tell anyone. I cant even pay my rent from this account because of how they prioritize ACH payments every single time I have attempted to they return my payment. I called into the contact center prior to all these technical issues and spoken with representatives as well as management and received no assistance on this. Its always just a matter a factual and the fees are what they are.

  Business response

  07/18/2023

  We have been in contact with this member and believe that the matter has been resolved to her satisfaction.

  Customer response

  07/18/2023

   
  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

  07/03/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Answered

  More info

  I spoke with a representative about this situation. Currently I am in a weekly hotel that was being transferred over to apartment. During the recent weeks it has been heavy crimes . Break in to rooms missing mail and so forth. Not realizing my accounts were missing money because I had to obtain a new phone . I tried to long in to my online account only to find out that it had been closed and money was stolen from me and my kids . I reached out to this bank advise them of changes I had made since I got the account and what was going on . They said they would investigate further only to not respond or even email me . So this week I called to find out what happened they stated that it was denied due to a ip address matching . After me telling them like my place was broken into I even had a police report to prove and they still said I was lying and refused to answer the phone or return my calls . I have emailed and called and all I get is a voicemail. The next thing I will go is to the news about this deception of a company . Along with this is a picture of my door that had to be replaced by the front office

  Business response

  07/11/2023

  Privacy regulations prevent us from discussing a member's personal information in this forum; however, we have reached out to the member to resolve the issue.

  Customer response

  07/11/2023

  They did not call or reach out until this morning. I have left numerous of emails with them as well as tried to reach out to them in regards of the situation and was told that something about a ip address when I advise them that Im going through identity theft and its due to the post office !!!! So now they are trying to keep my funds because they are all connected. They are upset because they company not only caused harmful intentions but also is trying to steal everything I have worked hard for 

  Business response

  07/11/2023

  *******************,

  I have contacted the number we have on file for you, as is our procedure.  When that did not work, I used the number on this complaint. Please return my call.  I would like to advise you of the resolution to this matter.

  You may reach me at the number left on the voicemail, or by dialing our main number and asking for me by the name I left on your voicemail.

  Thank you.

  Customer response

  07/11/2023

  Okay I will try again k just called back a hour again and I left a voicemail. I will try to call back . The number on my account is not my number anymore . I explained all of this in the dispute information. That why it is very important to have employees who are honest and will put everything in the notes or sum it ** in a way that it makes sense throughout the case. I will call again . Thank you for reaching out . 

  Business response

  07/20/2023

  We have been in contact with this member and to our knowledge, this was resolved in a satisfactory manner.

*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. ↩