Complaints
This profile includes complaints for Arizona Financial Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see
Customer Complaints Summary
- 22 total complaints in the last 3 years.
- 4 complaints closed in the last 12 months.
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Submit a ComplaintThe 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:12/11/2024
Type: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 business is predatory and tries to nickel and dime customers who are already in a bad situation. They charge $35 overdraft fees for every transaction that goes over where any real bank I.e ***************, will simply charge 1 $10 fee and also give you time to fix the negative balance. Az financial hits you right away. They also rufused to cash a check for me due to silly reasons even though I have an account there. They also did a ***** payment late and hit me with an overdraft fee for a $1.42 transaction. Zelle payments can not be sent if you do not have the funds right there. Which I did yet theyre different than other banks and dont send the money right away? Why? So they can prey on the less fortunate and hit them with fees they hope get paid back(they wont get a dime from me) this business needs to really be looked into and see why theyre for the less fortunate yet they have harsher and worse penalties than a real legit bank that I can talk to 24/7 and deposit checks in their app without jumping through hoops. I want all overdraft fees lifted from my account and it closed before anything else can be done shady by them and they assume theyre gonna get money they do not deserve.
Business Response
Date: 12/19/2024
A member of our management team will reach out to Mr. **** to address his complaint.Initial Complaint
Date:10/09/2024
Type: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 have been trying for 2 months now for them to close my checking account and send me the funds. I am in ** right now trying to bury my mother and I need that money. The funds were deposited from my wife's *** account to help pay for her surgery, but she ended up passing away and I am now needing them to pay for her funeral. I am stranded in ** because they are holding my money, which is over $8,000. I have explained multiple times why I need the money, I have sent in a formal signed letter along with a picture of my ID. I am out of state and not able to get into a branch and there is nothing else I can do. I just want my money so I can bury my mother and get home to my family.Business Response
Date: 10/18/2024
Good afternoon. A manager reached out to the member and left a message regarding the information needed to attempt to resolve the matter.Initial Complaint
Date:09/05/2024
Type: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 looked at my account it was 41 dollars so I tried to find out what it was and looked they showed a transaction for 1000 dollars which had been canceled days ago. That I have a picture of they said it was pending so I made sure to cancel it again. I wrote the messages which have all been erased and I did not do it myself which makes it kind of fishy. Then I looked and now transaction has been posted after it was canceled but **** stated that she did not receive it in here account and now my account is overdrawn. It my money and I want my 1000 back that I did not authorize. And still want to know who erased all my prior communications makes me think some there is taking my money. I have noticed some duplicate transaction lately. But I would really like my money back. I think someone there stole it.Business Response
Date: 09/09/2024
We will have a senior member of our team reach out soon regarding the issue.Initial Complaint
Date:08/27/2024
Type: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 received notification of a checking ************* was overdrawn. I called 2/5/24 to notify them that this was a fraudulent account, I did not open the account, and to close the account immediately. I notified them there is a fraudster committing serial acts of fraud against **** received another notice about the account on 8/23/24 making it clear they did not close the account.Ask them to check the drivers license. The fraudster is using an invalid/old drivers license.I am not driving to their branch to close the account in person. They should not have opened the account with an invalid drivers license. And there is a fraud alert on my credit file. I can not spend HOURS traveling and proving each account they open is not mine. I want the account closed immediately.Business Response
Date: 09/09/2024
We have a senior member of our team reaching out to ******************** soon regarding the issue.Initial Complaint
Date:02/12/2024
Type: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 address a matter regarding my account with *********************************************. Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that Arizona Financial continues to verify the information in question.I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act (FCRA), particularly sections FCRA 623(a)(6)(B) and FCRA 605B. According to these provisions, when notified by a credit reporting agency (CRA) that a consumer's identity has been stolen, furnishers such as Arizona Financial have specific duties:Preventing Re-Reporting of Information: If a CRA notifies you that information furnished by Arizona Financial is being blocked on a consumer's credit report due to identity theft, Arizona Financial must have procedures in place to prevent the re-reporting of such information (FCRA 623(a)(6)(A)).Restriction on Debt Resulting from Identity Theft: Arizona Financial may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA (FCRA 615(f)(1)).Furnishing Information Regarding Fraudulent Accounts: Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, Arizona Financial may not furnish information to a CRA regarding the fraudulent account or debt (FCRA 623(a)(6)(B)).Prompt Notification of Inaccurate Information: If Arizona Financial finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future (FCRA 623(a)(2)).Business Response
Date: 02/16/2024
We have forwarded this complaint to our team to reach out to ***** and help resolve the issue.Initial Complaint
Date:01/22/2024
Type: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.
FRAUDULENT Overpayment CLAIM BY AZFCU OVERPAYMENT NOT FROM AZFCU.Business Response
Date: 01/26/2024
A manager will reach out to the member to address their concerns and learn more about the issue.Initial Complaint
Date:01/21/2024
Type: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.
AZ Financial is ruining my credit with their secured card. I have screenshots of the app glitching and not allowing transfers to make a payment through the pay now button for the secured card. Then it took the payment and put it in another account of mine, but showed the card was paid, later on it showed a different account. I called today as it showed delinquent and they said it went to a different account. I have a video showing when I click pay now it automatically pulls up the secured card and I chose the checking which always has enough to cover the $20 min payment and did at the time. They said their system would not take the payment, I needed to call back on Monday and on the app as well as the computer it has not taken a payment for the past few hours. I am stressed and have outlined all the other issues wrong with this company that has stressed me out! I just had a discover card that was paid perfectly and I got my security deposit back and I also have a great rapport and record with AZ financial. I need them to call me to take the payment as well as write to me that they will ensure the accuracy of the reporting, as I was not late and have proof of their website glitching. They cannot leave customers without phone reps who can access their accounts fully and they need to be responsible for a website that glitches. I have alerted them of website and phone glitches in the past. I need this handled in a fast and easy manner with one phone call telling me it is resolved in a friendly and professional manner. I am a person's with disabilities and this has stressed me out greatly.Business Response
Date: 01/26/2024
A manager will reach out to the member to address their concerns and attempt to resolve the matter.Initial Complaint
Date:09/29/2023
Type: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.
Arizona Financial let a counterfeit check through and admitted that it was their fault. I have asked them before the check was even deposited if it was a safe check. They told me it was. Now once they realize it isnt real they now want me to pay the money back. The service was horrible. Each of them told me misinformation and the men there were rude. I would like my 1.3 k back that They lost and an apology for their misinformation.Business Response
Date: 10/05/2023
Our Teleservices Manager ******************* reviewed the transaction and call history - and spoke to ************ about her complaint in regards to the check she had deposited using the remote deposit service. She explained to *********** why the check was placed on hold, released and then placed on hold again. ************ indicated that she had fell for a scam. Our manager explained the credit union was not at fault and referenced the Mobile Deposit agreement listed under our disclosures and agreements.Initial Complaint
Date:09/25/2023
Type: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.
My Zelle account has to be connected through my bank (no other option). ***** got placed on hold and I needed to send someone money for their services and they are telling I have to wait for a specialist. Unprofessional! You are making me look like I dont have the founds to pay them. Super embarrassing!!Business Response
Date: 09/29/2023
Our ****** Services Manager contacted **************** regarding her complaint. The member had attempted to send a payment to her landscaper,however, there was a payment that failed verification the day before which resulted in a profile hold in Zelle. Because of this, she was unable to send the payment. Our manager confirmed the members profile is fully active and offered her direct number in case there are future questions or concerns, however, our member declined.Initial Complaint
Date:09/10/2023
Type: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.
Account ********* was overdrawn by $2 and I was then charged $35 per day while I was out of the country for 60 days. When I returned I received two letters from the Arizona credit union notifying me I now owe them $715. Obviously they have been charging me a $35 fee daily for being overdrawn $2. This action is illegal understanding I do not have overdraft protection on my account and therefore should not be charged any fee. Even if I did have this service it is still illegal in the eyes of the Consumer Financial ****************** who fined *************** $727 million in fines due to credit card fees and overdraft protection fees charged to customers in a daily basis. This organization governs bank to ensure this type of action never happens again. They also work with the financial trade commission on these type of violation. This case is highlighted on the **** site.Business Response
Date: 09/15/2023
We have attempted to contact ********************** and left voicemail messages to call us regarding his account. After reviewing the account, we have refunded $665 for the 19 non-sufficient funds fees.
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