Baxter Credit Union
Reviews and Complaints

Absolute worse company, not bank but company. Had a rep *** tell me once that if I said my credit score was over a certain amount on the recorded line thats what they went by. Score was in the 500s, I said 600s as I needed the money, they approved it. Shady, very shady. All my loans are current but dont make sense, less than a 5% rate on my car yet the balance has been the same for over 6 months. They also said my wife didnt have insurance so they put insurance on her car. Even though she paid her note (was behind but she got caught up) they said her insurance was behind so they towed her car for repo. For insurance that she had all along. They never answer, never return calls, never follow up. This bank is SHADY! I 100% will be looking into finding that recording, straight frauds. Do not bank with these idiots.

I have been with BCU for close to 4 years now . They started out being a very friendly institution now. Rather file a complaint I wish to submit a review to warn other consumers to stay away from bcu . If you value your fico score and do not want agents going into your accounts performing unethical acts such as deleting your CU rewards ; keep moving. It's like since covid hit BCU fired all the actual employees and keep outsourcing to untrained and incompetent vendors who don't have the ability to do one thing for you. And to person who stated getting fraud on your credit card with bcu is a nightmare it is ! I have to call and call sit on hold for HOURS . And re explain myself constantly. If I pay my *** stop holding my payments forn8 days it makes no sense I have a bcu checking account linked to my bcu credit card for a reason.

The Baxter Credit Union response to Complaintsboard.com was pure fabrication. BCU alleges that I sent the information requested to the wrong fax number. I sent the information to the fax I was given with a cover sheet. On that cover sheet, there was a list of at least 5 people who I spoke to during the course of a month. At no time did I ever receive a call back from any of the 9 different people I spoke to. I finally receive a check liquidating the account made out incorrectly. It is bad enough that BCU, when they purchased Geico Credit Union was incapable of doing the transition correctly, their response is to blame the customer. Without a doubt the worst financial experience of my life. And it continues. The link in the response from Complaintsboard.com that would allow me to reply to my initial complain did not work. Endless frustration. Be advised, do not do business with BCU.

Dont. I have an account with them that Ive had for maybe two years. Its been in good standing until I had to take short term disability leave from my job. Over a period of 3 months due to their $29 fee when the money isnt available Ive been charged about $1,100. To their credit the total amount I was charged was $1,392, but they graciously reversed $271 of those fees. Just so this is clear. The credit union does not cover the overdraft and charge you $29. They just charge you $29 because they we inconvenienced that you didnt have the money to cover the charge. Id also like to make it clear that its not charged via debit card that this applies to. This is automatic withdrawals set up. Dont worry. You can freeze the account by filling out a form that has a $25 processing fee. No, they will not take the $25 out of any of the $29 fees youve been charged. I feel like I got robbed by a bank and theres nothing I can do about it.

I am a brand new member to ***. I joined *** because it was an option with my employer, Target. Although *** is not in my state I am able to use a CO OP ATM to deposit cash, if any. I opened my account online with all the necessary documents that they requested me to upload. I am someone who uses the envelope method to balance my finances. Once my membership was established I opened several more checking accounts for specific bills and savings accounts for my Short Term, Long Term and MMS. I have already used the mobile deposit feature and *** pay feature. I havent put my account to the daily test yet because I am waiting for my new debit card and I need yo transfer my payroll from Target over. I love the option the *** has to waive your ATM fees. What a blessing. So far so good. I havent had the opportunity to call and speak with customer service. I love that everything you need is mostly online or in the mobile app. Looking forward to a nice long relationship with my new bank.

worst financial institute i have ever dealt with. My step father passed in July . I have bee trying to deal with BCU to close his accounts in acordance with the probate court's instructions. The member services department is completely incompetent. Just recently i've tried to fax a Power of Attorney. Two calls in two days have resulted in two bad fax numbers. I have spent nine months trying to deal with these accounts. I even had my lawyer send them a letter. They blew her of as well. It doesn't get any better IF you get past member services as the person they forward you to will assure you that they will take care of your problem and then you never hear from them again. They will not answr email or return phone calls. If i thought for a second i could get away with sueing them for mental anguish i would file in a heartbeat. Don't deal with Baxter, file a complaint with the Illinois Department of Financial and Professional Regulation, Credit Union Section

I'm EXTREMLEY disappointed in the customer service that I received. I unfortunately had my card stolen and charged up 700+ dollars. I called as soon as I noticed. When I received a call back from the fraud department the guy was so demeaning. He spoke to as if I meant for my card to get stolen and charged (like I'm sorry I don't have 700 just floating around to play with) He continued to yell at me, told me he would disconnect the call all around the rudest person I have had to deal with at BCU. Usually everyone is really nice. I asked to speak with a supervisor he said no not until you let me finish then I might see if I can get someone. I told him I'm sorry he is having a bad day but you shouldn't speak to your customers like that. He never did get me to a manager just transferred me to a voicemail and I doubt ill hear anything back but I will keep calling. They closed my account said I'm not allowed to have a debit card anymore and they'll keep my card open until 4PM (don't get off work until 6) to withdraw any money I'll need. It was unbelievable and I cant honestly say Id recommend ever doing business with them. It takes one bad seed to bring a company down. Keep that in mind.

I banked with BCU for years but Ill be leaving. Their collections department does not take hardship into consideration. Hardships including COVID of maternity leave. I am disgusted with the collections manager ***. After being on maternity leave for 12 weeks, I was behind on my car loan. I attempted to get an extensions but was denied because I used a COVID extension a year prior. I talked with a collections agent and made an arrangement. In that arrangement I never gave a date that I got paid, I said when I did get paid I would call and make a payment. I got paid today and BCU can see that deposit, the collections supervisor informed me that unless I made a 2 month payment My card will remain suspended. I did not agree to make a 2 month payment because I did not budget for that so I informed him I would call back, once I hung up I checked my account and *** already put the 2 months payment on hold from my account. I will now be short on day car and rent because of this and will have to find a way to make get that money back to pay the rest of my bills. *** was cold and did not try to work with me. I will no longer be banking with BCU. Ive had my checking account since 2014 and will be closing it and changing my direct deposit ASAP.

Frustrating and disappointing in all ways, save yourself the headache and wasted time and go with a different organization for your home loan. Our experience with their associate that was assigned to our loan was a huge turn off. From the beginning, trying to get questions answered or more information took multiple emails and then phone calls to get the associate to actually check their email before sort of answering my questions and trying to get off the line as fast as possible. Additionally, the associate seemed to have little to no actual experience when it came to service home loans, working with buyers, working with agents, standard industry practices, etc. When we needed fast response, documents passed along for cross-qualification, or just our Agent trying to get a hold of the associate with questions, we were completely ghosted. When I called to try and get any kind of response, the associate complained about how they have hundreds of emails to get to at some point and didn't know when they would have an answer. They kept telling us to just call them if we actually needed something, then we would get send to voicemail and never get a response. So infuriating. We've cancelled our loan application and went with a lending company that specializes in loans, matched the same rates BCU offers, and their rep is available 24/7.

If I could give them zero stars I would! We submitted payments to pay off two loans and they took our bank account number down wrong causing the payment to be denied. After contacting them to find out what happen which by the way was over an hour on the phone with multiple reps, they did in fact determine it was their error. They told us they would honor the original payoff they provided. We then overnight payments for both loans and look up the accounts a couple days later to find that they did not adjust the additional balance on the accounts once our payments posted. So we have to call them again! We tell each rep we talk to the situation and they tell us that they need to review tapes to see if it was their error and it will take 2 business days. I am so frustrated because they have already determine it was their error and told us they would honor the original payoff they provided but now after another hour on the phone with them they have to do the work again because they cannot talk to the other reps we talked too. We even have names of the reps we talked to originally! Its insane. I do not recommend this credit union to anyone. They do not have good customer service and they are clueless they do. It care for their customers. Their supervisors are no better either. The reps I talked to are ***, *** S (supervisor), and *** D (supervisor).

Revoked me and my husband's debit card "privileges" because disputing charges made me a risk. Backstory- I tried to dispute charges from *** that were not mine (haven't had an *** account in 5+ years). I had been calling in for over a year telling the bank that these fees of $4.99 keep coming out of my account, biweekly, and I needed it to stop. Was NEVER able to get through to a human at *** for help. Each phone call to *** would last between 1-2 hours because I would be transferred back and forth over and over again or because I would not accept the answers they were providing me, for example, telling me I need a new debit card, to which I would explain that I had done that four times...I'd be transferred to someone else. They had me get a new debit card four times to try and prevent this from happening and the charges still kept being deducted out my account. Finally, *** said there is nothing they can do to prevent the charges from coming out of my account because they said I had to have had an ***/iTunes account, which I did years ago and therefore, I must have signed up for whatever it was that caused me to be charged $4.99. I was then told that if they refunded me the money they, ***, would be out the money that was sent to *** and that apparently was not going to happen. I was told I cannot dispute the charges because they, the fraud department felt the charges from *** were legit. I was then told yesterday that the *** fraud department's only way of preventing the charges was to revoke me and my husbands "privileges" of using a debit card. I became hostile and I told the employee to close my account and mail me a check for the money in my account. Very bad customer service. One employee tells you one thing and another one tells you something different. Do not care to have a rebuttal from them saying that I am wrong because if you read all the other complaints that is how they respond to all complaints.

I have had a mortgage with BCU since buying a house at the end of August 2022. Unfortunately, due to an error on their end, they never paid my property taxes in October 2022. When the county sent me notice of the delinquent taxes in December, I called BCU and was told they hadnt realized the mistake (later I was told they did in fact know and got the same letter I gotin December) and that they would be paid within 24 hours. Sure enough, the money was taken out of my escrow a few days later. Then, in mid-January, I got another letter from the county taxes still unpaid. I called BCU back, and they told me I would have to wait more just in case the payment was still in transit. Then another letter so another call. Same thing. Two more times. Each time, I get different information and empty promises. Well call you back tomorrow, we actually arent responsible for paying your taxes, the wire never went through, there is no wire, its a check, it should be there in a day or two, keep waiting. Each time, Im on hold for *** minutes. Im told by the county that paperwork will be filed to start the forfeiture process! This is my first house, so obviously Im stressed. Unfortunately, BCU sees its customers as anonymous numbers, not humans. In the *** calls I made, some people were nice and helpful others were rude and careless (even disconnecting me after being on hold for half an hour). I feel so disappointed and disgusted with how Ive been treated, I hope others think twice before banking here unless you want to be ignored and brushed aside. Even today (almost a full week after being promised yet again resolution/a call back), I was told everything was paid in full and payment was receivedand that was it. No apology, no offer to provide any sort of reimbursement or gift as a way to replace the stress and time this has cost me over the last 3+ months and the kicker: I called the county after the call and they still say they havent got the payment.

If your on Complaintsboard.com searching for an answer on this bank I can only imagine how you have been treated and talked to by this company. Run run run away from this bank as far as you can close any accounts you may have because this company does not have any integrity compassion or respect for their customers. You are a dollar sign and the moment you need protection they talk to you as if your a criminal. My credit card was cloned and used to the point all my saving was taken from me. I called the bank as soon as I was aware and they left the card opened and allowed the real criminals to empty my account and leave me with nothing. Once the so called fraud specialist called me his only question was how did they get your pin to use your card. He quickly advised me all claims were denied and that I did this. I didnt even know what to say but was told there was nothing they would do to help. Even with a police report he stated they are sticking with their decision. being a single mother saving to remodel her restroom I trusted this bank with all I had and believe me when I say me and my kids had to go without until my next check came due to the lack of knowledge these fraud people have. There is no right answer to any of their questions. I had to do my own investigation to still be talked to as if I made the whole thing up. I have cried for days wondering why me god! I only write this today because I want people to be aware of this online bank. I realize after calling there is no way I will ever see my money which I have accepted. At the end of the call they closed my card because I was a risk according to the fraud rep and in his own words you can use your other bank from here on out if I could give them a negative 5 stars I would. Dont trust this bank what so ever. And I will politely wait for them to respond to this post and talk to their members with zero integrity. Chase bank would never speak with me in this manner or drop me as if Im nothing to them stick to big banks guys in your neighborhood where you can go inside and speak to someone.

I wish there minus 100 stars to rate this failing financial institution. I was a victim of identity fraud and for 6 and 1/2 months I have consistently been reporting fraudulent charges and calling their customer service and identity fraud unit countless times wasting dozens of hours of my priceless work hours only to go anywhere.The stolen money amounts $6,000, out of which, they already determined $4,000 were confirmed scam cases. They were still investigating the remaining $2,000. After countless calls they promise to call back and never do -from low clueless customer service staff- to no less than three managers in their fraud prevention unit, it seems they simply dont care. I had a similar case with *** and the fraudulent charges were credited back within days. These people are keeping my stolen money and dragging their feet only to make sure it goes past the 6 month window to be able to recover any money from it. In other words, adding insult to injury, theyre stealing my money shamelessly. For over half a year, Ive gone through unspeakable stress with these inept, clueless, undertrained, high turnover, uncaring, rude staff.Theyve hung the phone of me, their calls get disconnected or they cut me off without transferring my calls, they have incredibly poor customer service skills, and out of this monumentally horrible ordeal, theyve only credited $400, out of $6,000 that were stolen.The rest, theyre keeping, claiming -due to their convenient stalling- that now its past 6 months and I have no right to recover any money anymore. In short, theyve shamelessly stolen $5,600 from me. On top of that, I know their money is federally insured, so I know theyll also claim the same $6,000 from the *** and I wont see a *** from it. BCU has gotten to the point of working with the scammers to fleece identity fraud member victims twice. Once from the money they make sure goes past the 6 months to recover any, and twice, the money they get from the government too when they write it off as a scam.Double convenient whammy. By now, I cant believe that a financial institution where they claim members come first is just the opposite. They scam as bad as identity fraud scammers out of our hard earned money. And Im not the only one. 5 other members I know of have gone through exactly the same ordeal. They make sure you go past the 6 month window to literally steal your money.

I am submitting this request in reference to a complaint against Baxter Credit Union, also known as BCU. On Oct 4th my 2015 *** financed thru BCU was paid off by Enterprise Car Rental Sales for a new 2020 *** Rogue. After the check was posted there was and overage of $*** deposited into my savings account. After the funds was transferred into my account, I then transferred *** into an external Navy Federal account via Zelle. On Oct 11th, the check for the 2015 *** was reversed, unbeknownst to me along which has resulted in my account being *** negative, which has resulted major side effects for me as the primary provider for my children. No one reached out to me in an effort to tell me that the check was not authorized, nor was there any form of communication about over drafting my account as a result of check being reversed. I am asking for the funds to be placed back into my account. A company of moral integrity would have reached out to a member before making such a drastic decision, not knowing the financial side effect that the member will suffer. This is absolutely hands down the worse Credit Union in the universe.

In December, My daughter and I got a joint checking account that has a bonus of $400.00 if you get a direct deposit of $500 every month and 15 Daily Pay. My employer HCA uses Daily Pay for my direct deposits--they sent 5 payments to *** on this account to satisfy the requirement. $368,12 on Jan 6, 2022, sent $197.01 on Jan 18, 2022, sent $502.01 on Feb 2, 2022, sent $838.39 on March 3, 2022 and $502.01 on March 8, 2022.They are saying that I deposited it, rather than my employer directly deposited them, which I did not.I've done everything that I can, now they are saying I am not elgible for the bonus because I didn't have my employer direct deposit (when I clearly did). The *** app showed me that *** met her requirements in Jan, Feb, and March...Now they are saying that she did not meet the requirements.I've called them over a dozen times and sent about a hundred emails for help---no one every told me they are not giving me credit for my HCA/Daily Pay direct deposits, They are deceptive because they never ever told me why they arent taking my direct deposits and counting them towards her deposits. I'm at a loss...They wont help me at all--even after months and months of asking for true help. No one came through.

I decided to recently do a balance transfer to BCU from a Bank of America card that had the promotional APR expiring. However when I went to look for BCU's APR, it wasn't listed online. When I went to look at my statements, I discovered BCU had not generated a statement since the last time I used the card which was one year prior. Thus the APR was not listed ANYWHERE which is already a violation of the CFPB requirements for financial institutions. I then called up to find out the APR, and the girl on the phone could not see it anywhere either, and then after some time, came back on the line and stated that she was able to find it and the APR is 3.25%. Going off of this information, I decided to proceed with the balance transfer and move the funds over. After this completed, I received a statement this month showing an APR of 18.99% but only having $2,500 of $15,000 balance listed under this pricing, which is extremely confusing and makes no sense. This should be a special financing period of 3.25% as the woman stated on the phone, if this is not the case, BCU needs to refund any and all interest fees for the next 90 days as I balance transfer the funds out of BCU, due to the false information provided by the representative. Thank You

To Whom It May *** December 21 I contacted Baxter Credit Union (BCU) to make a credit consolidation to 5th3rd Bank. The amount of the consolidation was $3,946.32. Payment was sent electronically to the 5th3rd Bank. I waited 2 weeks and contacted the bank, being advised no payment was received. I then contacted BCU to advise the failure. I submitted a complaint to Complaintsboard.com about the issue with 5th3rd. I was advised to resend the funds to the address provided in the Complaintsboard.com complaint.At four weeks I contacted 5th#rd again, being advised still no payment. I contacted BCU being advised the funds were sent back to BCU as the address which was provided was not correct.On February 1, 2022 I attempted to resend the same amount to 5th 3rd bank with the correct address. I have followed up many times with both 5th3rd and BCU with no resolve. This is now 6 weeks since the funds were charged to my account and I am still out the money as 5th3rd states they do not have the funds and BCU will not stop payment as they have not received the funds back.I want to either have the transaction completed or the funds returned. I am also looking for compensation due to the lengthy and ridiculous waiting period for a simply transaction that should not take weeks and or months to complete.

I used my Baxter Credit Union credit card back in March and April for a service from a merchant, Spoticlout on their website StreamingFamous.com. I paid $39.99 and $119.99 for *** and *** song plays for my artist account on Spotify. The merchant did not deliver what I paid for. I filed a dispute with BCU in April going into May this year. As I patiently waited for a response, in July, I received a letter stating that the case was closed due to me not responding to a letter that was sent to me in which they asked for more information regarding the dispute. I never received the letter that they mentioned. So I called customer service and asked that they please reopen the dispute. Since then, I have sent screenshots of the merchant's website, screenshots of my email interaction with the merchant and they still claim that I have not provided enough information. I even provided a screenshot of my artist account so that they could see that I never received the service. Also, the screenshots that I sent, have the merchant stating that the service that I paid for was cancelled by them, but they never refunded me my money. I have sent letters, emails, messages, etc. Either people are not reading these letters, or emails, or they are not taking the time to go through what is being said.

I have banked with BCU for 10 years I never had a problem until now. I lost my credit card while in *** working. Called to have the card cut off and issued a new one. Went through all the hoops required to have the card sent out to *** where I am working. My actual address is in *** was told that someone would have to be home to sign. I work from my temporary apartment *** never showed up with the card. I called in was told that the card was sent back to BCU. Spoke with a supervisor who advised that I would need to update my mailing address to my temporary address in *** if I wanted to receive the card with out a signature being required. (I requested this because I never received the card when the signature was required.) They also again refused to overnight the card. I told them that I needed the card because I am in a unfamiliar city and being without it was troubling. I should not have to wait *** business days! I have now called 6 times and I keep getting the run around. I need my credit card. This is so disappointing. I am now researching other banking institutions I no longer want to be associated with this Credit Union they no longer take care of their customers. I am so frustrated. I really need my credit card. Each time I call I get transferred all around and no one provides viable answers.

BCU's security practices are predatory. BCU locked my account on Saturday 07/23/2022, with no alert or message. When I called up, no one knew what was going on, or why. When I escalated it, a member found that an account management member locked my account because I used "Zelle" on a new computer. BCU did not attempt to contact me to verify that I was the one using Zelle on a new device, using the standard practice of multi factor authentication, or calling me, and instead just chose to lock my access to my money, without any notice, or verification. It was indeed me using Zelle on a new device. When I called in, the representative said she would need to send a note and that it would take time to have that team unlock. It's now been over 3 hours, and my account is still locked. If BCU was a federal bank, the *** would have fined them for this practice. It's obvious that BCU is attempting to use it's Credit Union status to skirt standard federal protection practices, and instead opts to use it's own unprofessional practice of locking out accounts without a phone call, and without allowing people to access their own account. Whoever is in charge of BCU's security, should be fired, as this is not the standard operating procedure, or professional in any shape or manner. I guess BCU is targeting those who have $100 to their name, as anyone with a larger balance, would immediately close a BCU account.

on 9/11/22 I was approved for a $20K loan to consolidate credit card debt that was to disperse in 1 - 3 business days. I received an email on 9/12 saying the money was on the way. Knowing that the money was en route I did nothing to prevent several credit card payments from processing between 9/15 and 9/17. When I hadn't seen it by 9/15 I called both BCU and my bank. BCU confirmed that it was sent to the correct routing/account numbers but the bank had not record of it arriving (5th/3rd). BCU told me to wait one more day on the 16th I called back and lodged a formal request for investigation - the agent sent an email confirming that i should have an answer in 7 - 10 business days. In the meantime payments were withdrawn from my checking account causing overdrafts and in order to fund it quickly I had no choice but to take a high interest cash advance from my credit card. When I still didn't have the loan money on 9/19 I took the 401K loan that I had been avoiding. Today is 9/29 and I have called every few days for an update (we are now past 10 business days) and no one knows anything besides the fact that the investigation is ongoing. Today I called and spoke with a supervisor but was on hold so long that we arranged for her to call me back so I could continue my work day. She was supposed to call back an hour ago and I've heard nothing. In 2 weeks payments will start to be drawn from my account. I am hundreds of dollars and a credit rating hit worse off than when I started this and I still don't have funds or answers.

So the problem *** having is I was harassed for two weeks regarding my business account. She told that I could be treated any kind away and She was allowed to do whatever she choose to do with my banking account. Also I was not able to use my business credit my business card out of state on a business trip. Because my business account debit was cancel . She told me she had a right to cancel my debit card or any other matter she chose to do with my business account without my permission. Also I was ask questions concerning my business that. I felt i shouldve of had to answer. She was also told that she had a right to stop any checks from my clients or business partners without my permission and refusing them . I asked for her to give it to me in writing and she told me she didnt have to give me anything in writing . I asked her the reason why she close my debit card She chose to do . I felt as if it was racial profile harassment rude and very disrespectful as Account in her position Should no one ever be call 2-3 times a day after .I told them , I approved my own transactions in my Business account. I lost a business deal out of state and my child was able to be set up in college do to this matter. No warning, No Good Explanation . Just I have a right to do as I want to your account. What Im sorry I opened this account with my moneyThis kind of Behavior should happens to no oneI went into my main office I was told how this situation was supposed to be handled and I should of never harassed my any employee.. this shouldve happened to me or anyone for that *** should of never had to explain my business with another client of mines into Details like I was getting a loan or something for that matter

At best they are guilty of false advertising. They state they are totally committed to their members, which is an outright lie.They absolutely DO NOT stand behind their members whatsoever. You are NOT treated with any kind of value at all.I filed a dispute for a $600 transaction in which I had, in WRITING, from the seller his promise to refund that money to my account, and a copy of his drivers license. He did not follow through and send the money back to my account as promised again, in writing, so I filed a dispute and submitted the documentation of his promise to refund and the DL copy. I already did half their work for them.They denied my claim and refused to put those funds back into my account.Did they even investigate? Did they even try? I would say most definitely NO!Customer service just wanted to argue and if I hear one more time "sorry for inconvenience" I'm going to scream. That's the best answer I kept getting. Sorry for the inconvenience DOES NOT remotely cover it. DO SOMETHING about it.I was also promised a call back by the following day when I disputed the dispute resolution and guess what? No call back! They are to lazy to even do that!You can't even reach the corporate office to talk to senior management because I assume they are so high in their ivory tower that they can't even see the little people from there! You know, the members, who's hard work pays your salaries?!Any transaction done online has a trail. ALL of them! Even if you'd delete an account that transaction will stay in the computer system. It might be hidden but you can find it. But, evidently BCU doesn't want to try, OR they just don't care enough to do so. Probably a combination of the two.If you want a hard time, and be treated like your stupid, please feel free to open an account with BCU, but if you want a banking institution that actually helps you and values you, keep looking this one is NOT it.

I have been with Baxter since 2017, and thought I was banking with a company that supported members. In May 2022 I submitted a dispute to *** Vitality for and life insurance policy that was cancelled in Feb 2022, unbeknownst to me for my daughter. The policy was established in Nov 2021, and my daughter being a College Student has not income; therefore, she listed my email address, and my phone number as the primary source of contact, as well as my financial institution credit/debit card. After trying to make a payment in May and being unsuccessful I called *** Vitality and was told the policy was cancelled by ***. *** stated because I was not physically on the account but was financially responsible. *** stated she suggest I contact my financial. I have contacted my Financial Institution several times, an was told that they were not able to assist me unless the policy was cancelled. I explained that I was told by *** the policy was cancelled, but I continue to receive payment alert letters. I explained that having my primary email ,and contact number and address that no cancellation letter was ever sent, but the policy was cancelled, but was told the policy was cancelled. Initially on 6/3/2022 I was told that my dispute was cancelled by Baxter because I did not respond to the additional information email request, but when I emailed the additional information on 6/05/2022 as requested I was told that the dispute would be reconsidered. Afterwards, i received and email on 6/13/2022 advising that the policy would be canceled because the policy has to be cancelled before a refund can be assessed. I explained that *** with *** stated that policy was cancelled in Feb, but no letter was provided. I am seeking a refund for the month's funds were withdrawn from my account i.e March, *** I have explained to BCU on several occasions that no cancellation notice was ever sent.

On 3/04 at 7:35 am I called customer service for my Visa Launch card because when I checked my balance it was wrong. This is a card to help rebuild my credit. On 3/2 I transferred $250.00 to my Visa Launch card so I can handle busy using it. Mind you the required amount is $150.00. I spent $97.83 which left a balance of $152.17. My balance showing -$4.12 on 3/4 is the amount that made me call. I spoke with Marshall and we went through the transactions and she agreed that my balance was wrong and put me on hold a few times checking and then return saying that the $150.00 balance was put on hold because it is a secure card. I stated that it was not explain to me that way when I applied for the card. I was told that the $150 was my own money to spend but I use it like a credit card and it reports to the credit bureaus. Every since I applied for this card last year I have transactions showing this is how I used the card I transferred the $150 or more to use the card (never late) and this is the first month I am told the $150 has to stay in the account and Marshall agreed also and stated that it was their fault that they did not hold the $150 in my account the previous months minus what I used. I am upset because I put extra money on this card to secure a room for a getaway today now I cannot use this card. Marshall also wanted to get $50 out of my checking so I could use my card and I declined and told her no because it did not make sense to me and I did not want to jeopardized have my checking account on hold also. I told Marshall I will be contacting the Complaintsboard.com because what she was saying and trying to do did not make sense to me. I feel like I have to pay for a mistake they made the very time I really need to use my card and Marshall did state that they did not hold the $150 in the past. If this was told to me when applying for this card I would have not gotten it. I am on fixed income and need access to my money when I need it.

I was having issues regarding my account. I called on Friday 16th, stating that I had some issues with checking account. I had some pending transaction regarding an over charge. they told me that I just need to wait for it to clear for me to call back. so I checked my account on Sunday 18th. I didnt have access to my online banking. I called and they told me that i need to speak to a specialist. So i called on monday and they told me that they needed to speak to both joint member . I called again later that day and they kept hanging up on me. On tuesday, I went to work and talked to the bank teller. she stating that there was a note saying that my father called and stated that account wasnt his. so she called an agent regarding my account. on this conversation with the agent. The agent claim i called on sunday the 18th and pretended to my dad. so i argue with her claiming how am i going to call on sunday pretending to be my father on the same say i called i didnt have access on my account. she treated me like a criminal. Stating we have evidence, and we close your credit card and you dont have access to online banking. I told her that both party of the member can verified the accounts. She didnt want to hear it. she kept stating that we have evidence. This is a serious accusation. There is no reason that I would try this hard to fight for my account if i called and pretended to do that. Every representative i talked to say different date that I called. One claimed i called on Sunday the 18th, One is claiming that I called on Thursday the 15th. One stated that I went to the branch on monday the 19th to talk to someone. There information all is incorrect. I went to the branch on 9/20. There notes are all messed up so how can they state that I called and claim no one open that account when their note for the call are all incorrect. Las vegas doesnt have many branches so my other account are being limitied for no reason. I have been a great customer.

Two issues here. First is that a little over a month ago on August 19th my account was hacked and someone transferred $1000 on Zelle out of my account. Everything was figured out and they keep telling me me the money should be back in my account after 10 business days and after 10 business days I reach out and they tell me they need more time and another 10 goes by and same thing. To this day (9/27) I still dont have my $1000 back from that but its apparently coming who knows when. Second issue is last week on Thursday, 9/22, my account got locked for no reason, and when I called, the account security people couldnt unlock it and told me they needed me to connect with an account specialist who would call me the next day (Friday) but I never got a call. So I called again later that evening trying to find someone to help me but again, nobody knows how to unlock my account and says I need to talk to a specialist and that one will call me on Monday. And of course on Monday, no call either. So I called again, talked to the same people at account security and they tried to connect me to a specialist but I got hung up on. This happened twice in a row yesterday and I had to wait on hold for a total of *** hours with no solution to my problem and finally being told a specialist will call me today (Tuesday 9/27). This morning I finally got a call, but the lady literally goes it looks like I cant unlock your account on my end so Im gonna have to send you to the right specialist who will contact you within 2 business days so now Ive had no access to my account and my cards are locked and theyll be locked for the rest of the week and essentially they have my money hostage and Ive got bills to pay. This is such a joke, they dont care about my time or my money and just keep saying sorry for the inconvenience every time Im firm about connecting with a specialist immediately. After this Ill definitely be switching to a new institution that actually cares about me.

In December, my vehicle was deemed a total loss. Since then, I have been going back and forth with BCU and my insurance in order to get the vehicle paid off. When the insurance did their part, it took 3 months for them to be able to send a check because BCU took months to send over necessary lien and payoff paperwork. Now, the insurance sent their part of the money, and I am waiting on gap to cover the remaining $5000 roughly. Whenever I contact gap they tell me that BCU is failing to answer 4 questions they need based on my case that are important for them to process the gap payment. I have called BCU over 20 times trying to resolve this and to get them to do things on a timely manner on their part, but I either get sent to different peoples voicemails or I get different explanations from every person I speak to, none of them resulting in a solution. I needed to get a new car in order to move around for work and school so I now pay TWO vehicles at once because my totaled vehicle has yet to be paid off because of BCUs lack of timeliness and attention to doing their part in the matter, all throughout this process. I have paid 5 months worth of a car note for a vehicle Im not driving which adds up to a little over $2,500 which I would like back because of how long they have taken and the many inconveniences. Also, since they have taken forever to provide documents, the first payment after my total loss was a late payment because I expected it to be paid off before then which affected my credit score drastically as well as the APR they gave me on my new vehicle. I would like a refund for the money I have paid, a credit review because of the late payment since it was their responsibility to help pay off the car in a timely manner, and to be contacted by them so this can be handled. It has been everything except a lack of effort on my part, as I have even offered to send documents and call myself as many times as need be to get this resolved. Thank you.

I received a credit union statement for a fraudulent account and asked for it to be closed when speaking to customer service. I called the representative on Feb. 25, 2022. She took my information for a callback. I called again and was transferred to an account specialist. The call was picked up, then I was abruptly disconnected. I called a third time, spoke with another representative, and was transferred again. The representative verbally confirmed the account would be closed but refused to provide written confirmation. Banks usually provide written confirmation, so this was unusual. On April 12, I received two more statements indicating the account was still open. I called again; the representative forwarded my call to a specialist. However, I was connected to a relations member instead of an account specialist and had to be redirected. After 28 minutes, the call was answered, and I was disconnected again. Upon calling back, a representative informed me the account was halted but not closed. I requested to speak to a manager and was connected to one, who suggested I visit a branch instead. After 37 minutes on the call, Samaria from account protection stated they were investigating and couldn't close the account yet. This account has been open for 6 weeks, and my second call lasted 57 minutes without resolution. The first call on April 12 lasted 28 minutes. Normally, closing an account at my credit union would be straightforward. The lack of closure and the runaround are frustrating. I have reported this to Identity Theft and will report to local police. The service and wait times are unacceptable, and the issue remains unresolved.