Academy Bank
Reviews and Complaints

This bank is a joke. They occasionally have better interest rates than other local banks, so unless you're trying to invest in the long haul...stay away and go to a bank that's not located inside a Wal-Mart.

I had a credit builder CC in which I deposited $200. This was for small purchases to get the cycle going and eventually raise my credit. I was then charged $45 for paper statements that I thought I switched to paperless online. After two hours on hold and being transferred 5 times, I was told by a manger that I should have been checking two different websites, one for my credit card balance where I paid every month (which was paperless) and one for the bank itself.

I have three other CC's that send me one bill, use one website and I'm sure the majority of the world is the same way.

Instead of charging my CC for the paper statements to simplify the process and just let me pay it off with my balance, the bank removed money from my original deposit which then ended up maxing out my credit card. I had a balance of $130.00, when the credit limit dropped to $155. This then red flagged trans Union and I dropped 40 points on my credit score.

This is a shady move Academy Bank, and I will be letting people know how you operate. I WAS a customer since 2011, now I will make sure you lose customers moving forward.

By the way...You can keep the money, I don't want it back! I'll give my money to a real bank institution

On may 2, 2019 I noticed a charge of $98 on my account. I called they transfers me to the fraud department. They told me that it happened that morning and it was not paid yet that it would be credited back to my account my debit card was counciled and I was given a new one. They Told me what was charged and where. I noticed that this charge has been added back to my account.
I called again and asked why this was on my accountant again. They told me that the company said that I was responsible for this charge which is [censored]. Where was this dress sent to at the time this happened I was in a federal halfway house. My bank account was monitored buy the feds. I am not responsible for this charge. I would like to keep my account with your bank but I am not going to pay it. If this is the best way I'm going to be treated I want to close my account. I hope we can resolve this matter.

I made a debit card transaction to cricket wireless on August 01, 2019 (never had any prior issues) (totally had enough funds to cover it) that transaction was approved and reflected in my account right after it was complete! Five (5) days later, that very same payment was recharged to my account! I called several times and ask why was it recharged!? Academy personnel of course tried to blame it on cricket. I called cricket wireless and they confirmed that they received the payment on August 01, 2019 and that nothing was pending at all! I called Academy customer service back again and thats when they tried to shift the fault on me, stating that I didn't have the funds in my account at the time of the transaction which is not true, and I have documentation to prove that! Now my account is minus $91.91 because of the error of Academy Bank! I have reported this issue with the Better Business Bureau (BBB) And if need be, I will seek legal advice on this matter! This isn't the first time that Academy Bank has overcharged me and the applied an overdraft fee to my account, but this will be the last time this kind of legal theft happens to me! Apart from this, after speaking with several representatives who question my education and knowledge on this matter apart from speaking over me as if I were a peasant, there was only one young lady named Anna who truly understood the situation but didn't have the authority to return my funds... So thanks to the poor service, thanks for stealing my money and thanks for also ruining your reputation with me, because I will tell everyone I know about this unlawful act of theft and they will tell others as well. I will post this on the internet etc etc, & I hope my $91.91 was worth all the business, revenue, profit etc etc etc etc., that Academy will lose eventually! Besides I'm sure I'm not the only one that this has happened too...

account name: sheryl redoble
account no.[protected]

hi kindly check if it is true that my fiancee opened account for me. he told me to tranferred the $50, 000 to my philippine bank account, when i did the transferring academy bank sent emailed saying that i have to pay $8400 to be able to make money tranfer to my philippine bank account and i only have two days to process the payment and if ever i cannot pay the said amount my bank account will deactivated by them and the money will be forfeited . and if payment made they will transfer back to my account in academy the $8400, i dont have that big amount converting to Philippine money that will be PHP420, 000.00 so i emailed them telling that pls debit the said amount to my academy account but they told me that it is against the policy of academy bank... my fiancee's friend help me to pay the $7834.40 and i the balance $420 4 hrs late then they sent me another email telling that my payment is late so i have to pay $4800.00 if i di not make the payment my account will be closed and it will be deactivated again for the second time but the worst is it will be closed.Is there such things as that?. i really dont know if my fiancee really opened an account for me or it is just a scam yet i already deposited PHP22, 000.00 from the philippine representative.. i have all the said conversation with the academy bank call center representative kindly help me andplease email your answer at [protected]@yahoo.com

Subject: Dispute 75404 Urgent Matter customer is stranded in another state

Hi my name is Yohance Huffman. I spoke with a representative this morning who provided me with the following email regarding this claim. I am following up with due to the severance of my claim. As of July 14th 2019, I have been homeless, broke and no one to turn too. I've disputed multiple of times and have been given different information from representatives. I'm at this point where I just need to speak with the right supervisor who can expose my claim. All I want is to return home to my family, career and get the funds back that were wrongfully taken from me while I was incarcerated from April 19th until July 14th 2019. I ask that you all work together in reviewing my claim and add the provisional credit to my account. I Thank you in advance in this matter. Please feel free to call me anytime at ph# [protected] God, Bless

Academy Bank kept an acct open. Then reported my acct to chex sys stating I owed them $82. I have since paid them that money, but 18 months later, they're still reporting to chex systems for same amount. They will not help. I've called many times, and I get directed over to collections, but collections Never picks up the phone. Only voicemail. No calls are returned. What a nightmare bank! The worst. I can't open an account anywhere because of them. I will not give themn anymore of my hard earned money. I've already given them 82. That should've never been charged.
Payments were done January 27-28 2017... stop ruining lives!

Good job of ur system locking out my gfs card while she is on vacation. Yes because nothing absolutely nothing happens past 7 pm CEntral Standard Time. I mean people don't go out to dinner. People don't catch late night movies and all flights arrive prior to this time.

This isn't 2003. If ur system is flagging suspicious activity at all hours of the day and evening then you better make sure you have a toll free number available that is equally accessible! It's absolutely inexcusable that someone with 10 k in her savings cannot check into her room because of an automated system flag.

I deposited a total amount of $300.00 on March 6th, and on the 8th it was cleared. Today March 11th I'm showing on my account there is a pending transaction of $300.00 I haven't even received the card yet? Why are you guys stealing money? I don't owe your company money. This is not a good first experience, and won't be recommending anyone too this bank in the future. I feel like I've been robbed. And I will be contacting my card that I used too deposit those funds too receive a refund if this is not corrected within 24hrs.

We purchased an airline ticket..5 days later cancelled it and were refunded in full. Academy Bank has "lost" this refund. We have provided the ARN# of the money being wired into our account yet Academy Bank denies receiving it. It's been 27 days and still no money deposited into our account. Academy states we need to dispute the original purchase rather than doing research as to what they did with our cash. This was on a debit card...cash taken immediately...cash returned to Academy but never to the customer. Can you say FRAUD!

I have banked with Academy for ten years. During that time I have paid so many fees, some of which were my fault. Some were not.

Every single thing I have done with this bank has been a hassle.

I paid off two HIGH interest loans (30%) and then, when I asked them to waive TEN CENTS which was due on the loan, they didn't even do it. So I HAPPILY gave them my other bank's debit card number to pay them their precious Ten cents.

I lost everything I owned in hurricane Sandy in 2012 and had to use my overdraft protection to survive until I could get help from the government. Academy charged me so many overdraft fees, even though I told them what was happening.

This is the Worst Bank I have ever had in my 50+ years on this planet. Worst Ever.
The ONLY nice thing I can say about Academy is that the people that answer the phone in customer service are nice. That's IT. NOTHING else was good about banking here.

I am having trouble transferring and withdrawing from an atm. When calling with the card number on the back it's says we couldn't process because of technical difficulties, not sure why it's been like this since I change it to the chip card.i called and they said that I had to much transfers in which it's been more than a year that I can't transfer funds or withdraw from an atm. Does anybody know this happens and if at least the number on the card can do transactions instead of saying technical diffulcuties. I am from Phoenix and moved to Colorado and the same thing is happening. I need help after hours when I need sometimes to withdraw or transfer. What can I do? I like academy bank but this issue is not being fixed at all.

A month ago I was charged$184.00 for goods and services I didn't ask for. I did what anyone would do and filled out the paperwork, the charge was reversed (provisionally) and I thought nothing more about it. Saturday night we went to buy groceries for the week and when I checked my account, found that you have reversed the charges and my account is almost over drawn... now no one can tell me why? Confused

I opened a credit card in December 2017. When I went to use it, it wouldn't work. I called repeatedly to find out why, after being on hold an average of 1-2 HOURS, no one could tell me why my account had been closed. You charged me a $25 admin fee in December, which I paid, and then you closed my account AFTER I deposited $500.

Finally in April you mailed a check but I never received it. I had to wait 90 days, and called over and over until I could get through. I have a job and you offer no extended call hours for customer service, so I had to schedule time off so that I could sit on hold for 2 hours during business hours. I was sent a form to have notarized and send back, which I did over 6 weeks ago. You still have my $500.

I am a single woman coming off 3 years of unemployment (which is why I needed the card). I don't have an extra $500 to donate to a bank. I want my money back, there is no way I would EVER recommend your bank to anyone, it's been a horrible and frustrating experience.

On Friday august 24 2018 I found out my debit card had been shut off after it was declined at a grocery store.
I had to call to ask why was my card declined.
I received no call text or email
I want to know what happened
I want to know because it is my right
My vacation which also on my birth day was ruined
Is this how this bank operates is this how you treat your customers.
So what happened?
If I really am a valued customer then you will call me to set up a time we can talk to resolve this matter
I'm fed up so no nonsense
I will switch banks
[protected]

Dear sir, I am contacting you because I am devstated and I am beeing harned by a big bank academy bank and I am a small consumer against the bank and u am seeking refuge under the law to protect me from high possibility of damages against me due to bank actions with my money.

In summary and I have thevdetails and official communications of the summary :
1. Bank decided to close my account with no reason and no right to do so.
2. Bank decided to make a check for the remaining balance due to me and informed me that the check (cashier check) was sent using regular mail and I must wait 10 days and can not provide tracking number nor proof check was sent!
3. Bank refuse to give me my money when I show up at the branch giving me the excuse that the balance is 0 since check was mailed..

This is like living in the jungle with out order.. how can a bank write a check on my behalf and decide to risk allbi have in mail.

This is harming me everyday as now I have to pay for living and borrow to be able to pay for my living while my money arrives from the bank to the bank and who knows when and if I am going to get my funds and I am devstated and worried and need help from noble proffessional lawyer who will take immediate legal action to protect my capital and intrest and against possibile fraud and or these behaviours against the law and against ethics and against any common sense.

awaiting your soonest reply and sypport
Sammy Bagdady
Cell :[protected]

Sammy. [protected]@hotmail.com

I called in. I waited 30 mins on hold and some lady picked up at 6:30 and told me it was too close to closing time to help me and I'd have to call back and I knew that was a lie. She then proceeded to argue with me about it and stated it was too late to do anything and I would have to he called back until I demanded an manager and I'm still currently on hold another 20mins later. Just because it was close to close does not mean she was off of work and she already seemed to check off.

Good Afternoon i want to know why im getting charge $20 dollers for the account only if you want to reopen your account when its been close. My huaband when to the bank in Yuma and they said that we werent getting charge if we dont want to re open it but if we do want to open it backbwe needed to pay the $20 so we could cash our checks at the same time. But my husband decided that he didnt want to open it so it maintained close and didnt pay the amount. Now im having issues in opening another account in a bank that is closer to were i leave.

Do not use this poor excuse of a bank. Signed up for over draft protection, and when I paid my rent and left 4 dollars in the charged me a monthly fee putting me in the negative. Then they charged me two 35 dollar fees for going in the negative. Now my account is locked and I can't pay my electric bill that's due today because they are holding MY money. After charging me 70 dollars for nothing.

I am on vacation in Florida. I went to universal studios and I paid via debit for admission 596.40 as well as 3 other items $15, $12 and $4 while their. I was charged double and was put into a negative $175. I called customer service and they told me I needed to get the information from universal studios about the transaction being double and to see if they could drop the preauthorized transactions. The theme park only allows pos transactions and not preauthorized via credit or pinned debit so they only show one transaction on their end. The bank said to send information via email(which she did)concerning the transaction and amount so they could release the funds just to be told it was the wrong information. All the while i conferenced call both parties so we could figure it out together and im still NOWHERE. Academy bank has given me hell just to let go of MY money. This isnt credit. Thats why its DEBIT. I WILL be closing my account and I will NEVER bank again there.

I was in a bad situation, you locked my account and I entered the right information. You are liars and frauds! It is my damn money not yours. You don't ever tell me how to spend or when to spend my damn money. I left your bank before over this. Get your crap together or I'll sue you. I'm sick of your fake fraud crap.
I just tried to submit my complaint but your bank hires only out of USA and you frauds help NONE! I can't even complain! I'm sick of you traitors to the US so you can pay $1 an hour and pretend youre a good bank. You do know your bank is from the U.S. don't you? Traitor facists.