ComplaintsforAmerican Airlines Credit Union

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Initial Complaint
09/12/2024
Complaint Type:
Billing Issues
Status:
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.
im not liable with this debt wive a bank acct with them but this is due to fraud last year. someone got my bank information....i did not sign a contract as i had this paid off yrs ago consolidation loan. i was never contacted about this th AMERICAN AIRLINES FCU. i hatransaction until it had already been done. correction to my credit report
Business response
09/24/2024
BBB Complaint #********
TO WHOM IT MAY CONCERN:
American Airlines Federal Credit Union mailed a letter, via ***** to Mr. ********* addressing his concerns on September 24, 2024.
Thank you,
***** ***********
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union
Initial Complaint
09/09/2024
Complaint Type:
Billing Issues
Status:
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.
Dear *********** recently reviewed my credit report and discovered errors indicating that I am a victim of identity theft. I have already filed a complaint with *****************, and I have enclosed copies of my complaint along with any relevant supporting documentation.Please investigate the fraudulent account listed below and remove it from my credit report:Creditor Name: AMERICAN AIRLINES FCU Opened Date: 10/26/2017 Balance: $659.00 I would appreciate your prompt attention to this matter. Kindly confirm receipt of this dispute letter and provide a response detailing the actions taken to address this fraudulent account.Thank you for your cooperation.
Business response
09/20/2024
BBB Compliant #********
TO WHOM IT MAY CONCERN:
American Airlines Federal Credit Union mailed a letter, via ***** to Ms. ******** addressing her concerns on September 20, 2024.

Thank you,

***** ***********
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union
Initial Complaint
08/19/2024
Complaint Type:
Billing Issues
Status:
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.
The account is not mine. I requested validation of the debt and they did not provide. According to consumer law 15 usc 1681 Validation of debt and 15 usc 1692 Unfair practice.
Business response
08/22/2024
Complaint ID # ********
TO WHOM IT MAY CONCERN:
American Airlines Federal Credit Union mailed a letter on August 21, 2024, via ***** requesting **************** to provide information in order for the Credit Union to conduct a review.
Thank you,
*********************************
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union
Initial Complaint
08/07/2024
Complaint Type:
Billing Issues
Status:
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.
AA FCU has placed an account on my ********************** report that I have no knowledge of. I refuse to pay this ******** do not owe it. I am not liable for the debt and AA ******* do not have a Contract.
Business response
08/13/2024
Complaint ID# ********
TO WHOM IT MAY CONCERN:
American Airlines Federal Credit Union mailed a letter, via ***** to ****************** addressing her concerns on August 13, 2024.
Thank you,
*********************************
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union

Customer response
08/13/2024
Complaint: 22105240

I am rejecting this response because:
I, *******************************, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE ***** OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. Since this debt is disputed pursuant to the Fair Debt Collection Practices Act, you are required to cease all collection of this alleged debt which includes. reporting to my consumer report with EXPERIAN, TRANSUNION, AND EQUIFAX. I hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies. AAFCU has placed an account on my ********************** report that I have no knowledge of. I refuse to pay this debt & I do not owe it. I am not liable for the debt and AAFCU & I do not have a contract.

Regards,

*******************************
Business response
08/22/2024
Complaint ID # ********
TO WHOM IT MAY CONCERN:
American Airlines Federal Credit Union mailed a letter dated August 13, 2024, via ***** to ******************** addressing her concerns that she previous submitted to the BBB on August 7, 2024.
Thank you,
*********************************
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union

Customer response
08/22/2024
Complaint: 22105240

I am rejecting this response because:

I, *******************************, a consumer, am notifying you that I dispute this alleged debt pursuant to 15 USC 1692g. I REQUEST THAT YOU PROVIDE TO ME VERIFICATION OF THIS ALLEGED DEBT. VERIFICATION CONSISTS OF A FORMAL DECLARATION IN WHERE YOU SWEAR TO THE TRUTHS OF THE STATEMENTS OF THE ***** OF THE MATTER, HAVE FIRST-HAND KNOWLEDGE AND MUST BE NOTARIZED. hereby inform you that you do not have my consent to communicate with me through any medium. Furthermore, I DID NOT consent to you having my personal and private information. This constitutes aggravated identity theft. I also DID NOT consent to you reporting information in my name to the consumer reporting agencies.
Regards,

*******************************
Initial Complaint
08/06/2024
Complaint Type:
Billing Issues
Status:
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.
My credit report continues to be wrong and is not correct. I have required and disputed many things and nothing is done and my credit score went down over 140 points because of the inquiries. I have spoken to managers and nothing is done. I have spoken to them and yet, nothing has changed. Even their own records show proof that there were no late payments but Ive still gotten more negative markings to my accounts that must be corrected on my reports.
Business response
08/22/2024
Complaint ID #********
TO WHOM IT MAY CONCERN:
American Airlines Federal Credit Union mailed a letter, via ***** to ******************** addressing his concerns on
August 21, 2024.

Thank you,
*********************************
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union
Initial Complaint
04/08/2024
Complaint Type:
Billing Issues
Status:
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.
I am writing to address the distressing discovery that you have been sharing my nonpublic information with credit bureaus, resulting in inaccurate reporting on my credit profile. This violates my privacy rights under 15 USC 1681 section 602 and 15 USC 1681 Section 604 A Section 2, which mandates written consent for such actions.Your inaccurate reporting, including incorrectly labeling timely payments as late, has caused significant financial and emotional distress. I demand immediate corrective action and cessation of unauthorized information sharing. I also seek compensation for damages incurred.Please rectify this matter promptly. My account number is ************ and *****************
Business response
04/18/2024
BBB Complaint ID: ********
American Airlines Federal Credit Union mailed a letter, via ***** to Mr. ****** addressing his concerns on April 17, 2024.
Thank you,
*********************************
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union
Initial Complaint
03/28/2024
Complaint Type:
Billing Issues
Status:
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.
In December 2023, I tried to activate My debit card from AACU. It would not work over the phone, so I called an agent and was told that my account was deactivated due to fraudulent activities. I was confused because I had never used this account before and had no idea what activity was on my account. The agent told me that two checks had been written and cashed from this account. I told the agent that I never ordered any checkbooks nor have I written any checks, as I have never used this account before. The agent looked in the system and recognize there was forgery on the checks and that the signatures did not match my own on file. He said he would send this information to the **************** to investigate. I never heard anything back. January 2024 I reached out to ask about the investigation and was told that it was declined because too much time had passed between the charges and the request to investigate. They told me that I am responsible for the nearly $500 that was stolen out of my account, even though they have proof that it was not me that did it but indeed fraudulent activities.
Business response
04/15/2024
BBB Complaint ID #********
American Airlines Federal Credit Union mailed (via ***** a letter to ********************** addressing her concerns on April 12, 2024.

Thank you,

*********************************
Senior Analyst, Complaint Management
American Airlines Federal Credit Union
Initial Complaint
03/26/2024
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
I purchased tickets for the Acropolis for 1/5 online in the morning. I provided my email address since they were electronic tickets, but I never received any email with the tickets. I tried calling the Acropolis ticket office but nobody answered. Then I went to the actual ticketing office at the entrance of the Acropolis and requested my tickets to be reprinted since I never received the email with them. They told me that without the email there was no way for them to find them, not even with my credit card number. I was forced to buy two new tickets on the spot in order to gain access. I would like to add that they also overcharged me for this charge that I am disputing. At the ticketing office it only costed me 10 euros per ticket, but what they charged me on the transaction that I am disputing is way over 20 euros total. I am attaching a picture of the two tickets I was forced to buy at the ticketing office. I disputed the charge with the credit union. I submitted picture of the two extra tickets I had to buy and they closed met dispute saying that they received information from the merchant. They did not provide me any documentation of what they received from the merchant. I explained that I never received the services I purchased but they still closed my dispute. Today 3/25 I received the dispute denial letter, with the "evidence" that the merchant sent. First they claim the transaction was face to face, which is a lie since I purchased the tickets online. Second, they send a picture of a credit card purchase slip with a signature which is NOT mine, it is a forged signature. I contacted **** who is the one that manages disputes multiple times afterwards but they refused to help me. I called American Airlines Credit Union and they kept transferring me to PSCU. I am attaching picture of the two extra tickets I was forced to buy in order to gain access to their attraction.
Business response
04/25/2024
BBB Complaint ID: ********

American Airlines Federal Credit Union mailed a letter, via ***** to ****************** addressing his concerns on April 24, 2024.
Thank you,
*********************************
Senior Analyst, Complaint Management

Legal Department

American Airlines Federal Credit Union

Customer response
04/25/2024
Complaint: 21486484

I am rejecting this response because:
I am awaiting for such letter to arrive. Thank you.

Regards,

***************************
Business response
04/25/2024
BBB Complaint ID: ********

American Airlines Federal Credit Union mailed a letter, via ***** to ****************** addressing his concerns on April 24, 2024.

Thank you,

*********************************
Senior Analyst, Complaint Management
Legal Department
American Airlines Federal Credit Union
Customer response
04/25/2024
Complaint: 21486484

I am rejecting this response because: I cannot consider this as resolved since I am still awaiting their letter. Once I receive it then I can review it and make a decision. Thank you.

Regards,

***************************
Customer response
05/08/2024
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.

Regards,

***************************
Initial Complaint
03/13/2024
Complaint Type:
Service or Repair Issues
Status:
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.
My account was hacked. The bank maintains I gave a third party a code, sent to my phone, to access my account. I asked for a record of this accusation. They said I would need a subpoena. They also maintain I gave a third party my login and password. When they asked if I gave anyone access to my account, I was distraught, and told them yes. Of course I was referring to my routing and account number. However they never allowed me to record my statement. They also belittled and patronized me for sending money to a third party. They did not protect my interest, my account or my family. My account has been restricted to cash only transactions. I could close the account, however a 7 yr account is imperative to building my credit. However with 6 children it is imperative that I have access to transfer money within my family. American Airlines Credit Union cared nothing of this. Their fraud department consist of three people. I asked for their credentials that constitute the experience and education that allow them to be considered,"fraud experts". No credentials were provided. These individuals were unprofessional bully's with a lack of emotional intelligence. I am requesting the restrictions on my account be lifted. I am a good customer. I have never filed a complaint, bounced a check,or defaulted on any loans or payments.
Business response
04/02/2024
BBB Complaint ID #********

American Airlines Federal Credit Union responded to ************ addressing her concerns on April 1, 2024.

Thank you,

*********************************
Senior Analyst, Complaint Management
Legal Department
Initial Complaint
02/16/2024
Complaint Type:
Billing Issues
Status:
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.
American Airlines Federal Credit Union _ Compromised Accounts/Fraudulent Activity February 13, 2024, There was a balance transfer charge in the amount of ****** on a secured **** credit card. I did not do this transaction. There was also a card replacement fee in the amount $5.00, which I did not request. I called AAFCU *********** And was just given the runaround and transferred to many different numbers and nobody was able to assist me in reporting this fraudulent activity. The final agent was very unprofessional and hung up on me. February 4, 2024. There were 3 fraudulent charges in the amount of $150.00 totaling. $450.00. I did not make these charge and their fraud department said the will investigate. I deactivated both cards and will file a charge with the local police.
Business response
03/04/2024
Better Business Bureau Complaint # ********

American Airlines Federal Credit Union sent a letter to ******************** addressing his concerns on March 4, 2024.

Regards,

*********************************
Senior Analyst, Complaint Management
American Airlines Federal Credit Union

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