Complaints

This profile includes complaints for Avadian Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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Avadian Credit Union has 18 locations, listed below.

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• 

  Avadian Credit Union

  1 Riverchase Pkwy S Hoover, AL 35244-2008

• 

  Avadian Credit Union

  405 Fieldstown Rd Gardendale, AL 35071-2491

• 

  Avadian Credit Union

  420 Old Highway 280 Birmingham, AL 35242-0315

• 

  Avadian Credit Union

  4849 Highway 52 Helena, AL 35080-7151

• 

  Avadian Credit Union

  2150 Gadsden Hwy Birmingham, AL 35235-3488

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:03/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to report a fraudulent account that has been opened in my name with Avadian Credit Union (AVADIANCU). I am a victim of identity theft and did not authorize the creation of this account. Below are the details of the fraudulent ******************************** Name: Avadian Credit Union (AVADIANCU)Opened Date: 11/6/2023 Account Number: *****************High **********************: $49 I respectfully request that you immediately close this account and remove any negative information associated with it from my credit report. Additionally, I would appreciate confirmation of the account's closure and any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

  Business Response

  Date: 04/01/2025

  Avadian has investigated the account and cannot find any evidence of identify theft. However, we will reach out to the member directly and ask for evidence relating to any potential identity theft.

• Initial Complaint

  Date:02/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This is my formal request to address and resolve the unauthorized accounts that are currently listed on my credit report. These inaccurate entries have significantly impacted my FICO score, leading to a noticeable decline that has caused challenges in maintaining my financial standing. I am reaching out to your office with great urgency and respectfully requesting your assistance in rectifying this matter. AVADIANCU ACCOUNT ***************** DATE *******/**/2017 BALANCE:$0.00

  Business Response

  Date: 03/10/2025

  Due to privacy concerns, we cannot go into detail regarding this account, but we have reached out to the member in an attempt to resolve this matter.

• Initial Complaint

  Date:09/13/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to dispute an unauthorized account that has appeared on my credit report under the creditor AVADIANCU.Account Number: *****************Opened Date: 2/7/2023 This account was fraudulently created due to identity theft. I have filed a report with ***************** and demand the immediate removal of this account from my ********************** report. Additionally, I request that any negative information related to this account be deleted.The presence of this account on my ********************** report violates my rights under the Fair Credit Reporting Act (FCRA), and I trust that the BBB will take immediate steps to rectify this matter.

  Business Response

  Date: 10/08/2024

  Avadian has investigated this account, but cannot find any evidence of identity theft.  If the consumer has additional evidence is said id theft, Avadian is willing to review said evidence.  

• Initial Complaint

  Date:09/10/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I recently reviewed my credit report and discovered an account with ************************, opened on April 12, 2017, with account number *****************, that is not mine. This account is listed twice on my report. I am a victim of identity theft, and this account was fraudulently opened in my name. I have filed a complaint with ***************** regarding this matter.Please investigate this account and remove both entries from my credit report. I request that you provide me with a confirmation of the actions taken on this dispute.Thank you for your prompt attention to this matter.

  Business Response

  Date: 09/24/2024

  In light of this Complaint, the matter was investigated.  Avadian is reporting two accounts on the Consumer's credit report, but both are being reported as "Bankruptcy" with a $0.00 balance.  Both of these accounts were listed on the Consumer's Chapter 7 Bankruptcy he filed in 2019.  We are unaware of any ID theft allegations.  

• Initial Complaint

  Date:09/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Me and my wife got a loan through Avadian Credit Union. $20,000 for a Nissan rogue. Everything was good at first until last month they added a $3,000 debt on top of our loan, no warning or heads up at all. It has damaged my credit and when I filed a complaint to try to dispute the random charge I was informed it was loan insurance. And all I had to do was provide prove of insurance for the vehicle. I was furious because that is sent out from the car dealership to Avadian because me and my wife leave the dealership lot. But I sent out all the documents they asked for, and even had my insurance company, Roots, sent their information over. Avadian informed me that in two days a full refund would be applied, but here we are approaching a full week since the loan insurance was applied and I got a letter in the email informing me that my car payment will increase from $354 to $866. Nearly three times the price of the original agreed upon loan amount. I tried calling and they tend to hang up on me, Im debating if legal action would be preferred at this point in time because the amount of fury thats building up from the amount of unprofessionalism and downright inappropriate actions coming from this bank are pushing me to my limit. Its almost like a legal scam, completely blindsided and frankly I will not stand for it, one way or another actions need to be taken in order to get my refund and more for the damage theyve caused to my credit with the loan insurance they dropped onto my original loan amount.

  Business Response

  Date: 09/11/2024

  While we apologize for any confusion caused by adding insurance to your car note when insurance was dropped, it is our standard procedure to ensure that all vehicle loans have insurance and has Avadian listed as a lien holder on the insurance policy. Our Asset Recovery team has reached out multiple times to ensure that you are aware of the process and why the insurance was temporarily assigned to your loan. Please feel free to contact Asset Recovery at ************ for further clarification. Thank you. 

• Initial Complaint

  Date:03/26/2024

  Type:Customer Service Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I received my ** state refund of $2074. It was a paper check as GA has a rule that if it is the first time you file taxes in the state of **, they must send a paper check. My family and I moved from AL last year (2023) to GA so that is why we received the paper check fr the state of GA. I deposited the check via Mobile Deposit on 3/22 and a hold for $1074 was placed on the check. There is nothing on their website stating why holds are placed on checks and no communication was sent to me detailing when the hold would come off. We had recurring bills that had been set up for payment due to expecting access to the full amount of the state refund. I called Avadian on 3/25( Monday) and ******* told me that a 5 day hold had been placed on the check and she didnt know why this occurred. She didnt offer to remove the hold sooner or state if it was even possible. Now the pending payments are on my account and I would have enough to cover if they werent holding the rest of balance of the check ($1074) but now the payments will go through and cause overdraft fees to incur. This is a nasty unfair practice and as a loyal customer for greater than 6 years, where I have taken out several car loans with this company. I should not be treated this way. They need to release the funds now and not charge me any overdraft fees! I previously disputed another case in which they charged me an overdraft fee in Feb ************************************************************ the account. I notified them and the did not take the fee off! We are looking to move from the so called credit union. They are NOT for the people.

  Business Response

  Date: 04/01/2024

  We have reached out to the member for additional information to have someone from the appropriate department/branch reach out to her directly. Avadians ****** Services Agreement does, however, include provisions regarding the availability of funds depositing utilizing mobile deposit (remote deposit capture).

  Customer Answer

  Date: 04/01/2024

   
  Complaint: 21487128
  
  I am rejecting this response because: 

  this does not address the hold that was placed on the check which does not happen for mobile deposits every time as Ive made several mobile deposits that were immediately available for lesser amounts. AAsian credit union  was giving me credit for the amount of the check and subtracting from the amount and not showing that my checking account was in the negative instead it was showing that it was in the positive and yet Avadian still applied two $30 overdraft fees. This is stealing plain and simple
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 04/10/2024

  We have spoken to the member and were able to resolve the issues regarding the fees she was assessed as a result of the hold placed on her deposit. 

  Customer Answer

  Date: 04/12/2024

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:01/29/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Went into ********** Branch to inquire about land and change pin number in which I was verified clearly went thru account thourgly we got to changing pin in which bank error name spelled ***** Threatened to keep credit card freeze account she closed cards in which I started recording 13min video I was humiliated and didn't feel safe there she then lied and stated she never opened my account on the computer but she did I told her she was unprofessional and this was disgusting and horrific coming from manager I called *******************************. ***** IN which no one called back they are holding bad business practices against people of color if you are black do not go here at all they clearly had my card closed which affected my account and I feel horrible regarding incident

  Business Response

  Date: 02/12/2024

  Avadian is aware of ******************** various complaints and have been communicating with him directly and via official complaint channels.  Due to privacy concerns, we will not be detailing our response on the BBB website.  

  Customer Answer

  Date: 02/13/2024

   
  Complaint: 21213117
  
  I am rejecting this response because:
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:01/10/2024

  Type:Customer Service Issues
  Status:

  UnansweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On two seperate occassions I called this institution and after going through a maze of phone menus was able to speak to a member representative. During my first call, on January 3rd, I told them I had received some correspondence about my recently deceased father's account and was inquiring about account specifics. I was told that they couldn't give me information about my fathers account unless I could get my mother on the phone with me since she was also on the account (which I understand and agree with) - she was not with me at the time so I said I would call back later. I called back on January 8th, with my mother as directed, and made the same request. I was told that they couldn't give me any information because this was a 3rd party call since I was on the line - my mother is in her mid 80s and has hearing and memory issues and isn't capable of navigating this over complex myriad of phone options. This institution needs to make accommodations for the elderly and disabled and we needs to be able to get information about HER account over the phone.

• Initial Complaint

  Date:07/31/2023

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing this complaint in regards to a visit I had today at my local branch and the horrible customer service I received. ********************** recently sent an email to all customers announcing that they will start doing an early deposit program for participating employers in June. Their email stated that the deposits would begin to be deposited up to 3 days early. In June, my check was available 1 business day early. My husband is paid bi-weekly, and his checks were deposited a day early for the months of June and July as well. My July check was not deposited a day early. I went into my local branch to inquire and request help because I was counting on that service they promoted to be consistent. I scheduled a bill to be paid and was charged an insufficient fund fee because my paycheck was showing as pending even though my employer had sent them the funds. The branch manager refused to release my funds, and told me its a new service and we are working out the kinks. It could go in early or it might not. This is not the way to run a company or manage peoples funds. Inconsistency in how they abide by a program that they are promoting and promising to their customers is unacceptable. I asked if she would at least refund the fee they charged me. She refused and said she would submit it for review. Anytime they have ever told me that I never heard anything back from them. The only reason I had the fee was because they didnt deposit my check when they said they would, and yet still wouldnt refund the fee. I expressed my frustration to the manager and told her I was considering changing banks and she shrugged her shoulders and said okay. This company does not care about their customers. Their customer service is seriously lacking and these are very unprofessional business practices.

  Business Response

  Date: 08/14/2023

  The following language comes directly from our "Early Deposit" notice:  

  "We do not guarantee that any direct deposit will be available to you early. If it is not made available to you, then our funds availability policy will apply."

  Customer Answer

  Date: 08/15/2023

   
  Complaint: 20393160
  
  I am rejecting this response because:
  Avadian should not advertise early deposit if it is not the companies intention to honor it consistently. Not only did I receive several emails about this service, but it is also being shown on a slideshow in your lobby. I avoided leaving Avadian because you announced that you would begin doing this. I was ready to move my accounts to Regions because they honor this without fail. In addition, you deposited my check early several times and then all of a sudden didnt. This inconsistency is misleading and seems like a sneaky business practice in which you take advantage of customers and reap the benefits of the resulting overdraft charges. Finally, you did not address the unprofessional way that I was treated by the branch manager. 
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:07/03/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  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.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  On June the 29, 2023 Avadian Credit Union located at ******************************************************************** closed my account the day of two pending deposit to clear up an overdraft. I Never received Anything in the mail stating that if I do not clear the account by a certain date that the account will be closed, I have had Several overdrafts in that account with larger amounts than what was currently due, instead of Avadian contacting me about the overdraft, they decided to close the account without any notice and I have been a customer of ********************** for over 5 years. My husband has stage 4 lung cancer and his work checks, bonus checks and future disability checks are all assigned to that checking account.

  Business Response

  Date: 07/19/2023

  Avadian has communicated with our Member as to her current account status and the reasons for which.  Due to privacy concerns, we cannot go submit details online.  We encourage our Member to reach out to their local branch or our *********** for further assistance.  

  Customer Answer

  Date: 07/19/2023

   
  Complaint: 20264988
  
  I am rejecting this response because: 

  Avadian did not reach out to me neither did they send me Anything in the mail about my account, I found out the account was closed the day of.
  
  Sincerely,
  
  *************************

  Business Response

  Date: 08/01/2023

  Avadian responded to this complaint on 7/19/23.