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Business Profile

Credit Union

Addition Financial Credit Union

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for Addition Financial Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see

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Addition Financial Credit Union has 25 locations, listed below.

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    Customer Complaints Summary

    • 48 total complaints in the last 3 years.
    • 21 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    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.

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    Complaint type

    • Initial Complaint

      Date:03/25/2025

      Type:Billing Issues
      Status:
      Answered
      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 want to review this Addition Financial Credit Union because I been we them since 05/01/1998 almost 27 years,never paid any payment on credit card and loan late and now that I need help with a loan a second mortgage loan they denied me because I have to ***** account to pay and 1 account on collection that is not my and I am working with them to take it out of my credit. Now to loan was to pay all my bills in one loan and what I owed them so I dont see why denied me because the loan was precisely for that and I was going to have only one loan so problem ********** the sad part was that I had been loyal to them for 27 years but they were not to me they didnt care about my 27 years being loyal they just cared about money and no people so for every one out there look for a better bank or credit union if you are looking to be long time with them and I really tell you this people and this credit unions are not good so I am going to look for a different bank and forget about this one because they turned their back on me when I needed them most.

      Business Response

      Date: 04/10/2025

      4/9/25               VIA Electronic Mail
                              Better Business Bureau of Central Florida, Inc.
                              **************************************
                              ********, ** 32750

                              RE:       ****** *********, Complaint ID # ********

      Dear BBB Consumer Affairs Representative:

      Thank you for forwarding Mr. ****** ********** correspondence regarding Addition Financial Credit Union (Addition Financial or Credit Union). Addition Financials **************** reviewed Mr. ********** concerns to ensure that he was treated properly by the Credit Union.

      In his complaint, Mr. ********* states that he was denied a second mortgage loan. After review of Mr. ********** loan application, it was determined that the loan to value ratio for the new loan fell outside of our lending parameters and so we are unable to approve his application.

      We look forward to continuing to serve Mr. ********* as a valued member of Addition Financial. Mr. ********* may reach out to the Credit Unions ************** at ************** if he has any additional questions or concerns.

      Regards,
      ***

      ****** A. ********, Assistant General Counsel
      Addition Financial
      *****************************************
      **************************************************************

    • Initial Complaint

      Date:02/17/2025

      Type:Sales and Advertising Issues
      Status:
      Answered
      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.
      We had fraudulent activity take place in our checking account. This stemmed from receiving a text message from the central Florida expressway requesting that we pay our unpaid tolls to avoid a ticket. I clicked on the link and attempted to pay, not realizing this was a scam. I knew my daughter had tolls I needed to attend to. My ***** Pay told me the charge was possible fraud, so I cancelled the payment. Less than a week later I received a text from our bank telling me there were fraudulent charges. I responded yes and received a call from who I thought was the fraud department from our banks my contact for the bank showed up on my phone so I felt safe answering this call. I answered questions and then verified fraudulent charges on my account. I logged into my account while on the phone. I can only guess that when I did so they were able to obtain access. It showed almost a ************************* which I did not make. The next day I had a $500+ charge for target wiping out my account(a few days before payday). I cancelled my card and had my husband get a new card for me from the bank. We filed claims realizing we were taken advantage of. We went to our local branch and feeling our account was compromised had the bank create a new account. After investigating, the bank determined they were not responsible to protect my account and denied reimbursement. My mother had tolls help us make it to pay day because our account was emptied. We have been accused of not being forthcoming in this investigation. We feel vulnerable and unprotected by the bank. We are NOT getting our $ back because the bank stated the money spent was in places we have shopped. Yes, I do have Grubhub. Yes, I have shopped at target. However, I did not make these charges. We WERE victims of fraud and do not feel like the bank is protecting us.

      Business Response

      Date: 02/28/2025

      02/28/2025      VIA Electronic Mail
                              Better Business Bureau of Central Florida, Inc.
                              **************************************
                              ********, FL 32750

                              RE:      ***** ********, BBB Case # ********

      Dear BBB Consumer Affairs Representative:
      Thank you for forwarding ******************* correspondence regarding Addition Financial Credit Union (Addition Financial or Credit Union). Addition Financials **************** has reviewed Mr. ********* concerns to ensure that he was treated properly by the Credit Union.

      Addition Financial is unable to reimburse Mr. ******** for his claim. Mr. ******** may contact the Credit Unions *************************** at *****digitalservices-**************************************** or ************ for more information.
      Regards,
      ***

      ****** A. ********, Assistant General Counsel
      Addition Financial
      *****************************************
      *************
      **************************************************************

      Customer Answer

      Date: 03/06/2025

       
      Complaint: 22952933

      I am rejecting this response because:

      Consumer
      Most Recent Message
      Date Sent: 3/1/2025 2:40:08 PM
      According to Addition Financial, we were told that we provided information to these scammers. We did not give them access to our banking. We incurred $70 in fees as a result of our banking account going into the red. We work very hard for the money that we make and would appreciate to at least be credited back the $70 in fees, which they could easily do. This scam is weeks later widely hitting the public. We were victims of the toll scam when it initially hit our local area. When you are texted information that looks just like that of your financial institution stating your account has been subject to fraud, why would you not believe it? This has been eye opening and is scary. We answered a phone call with our banks phone number from my contact list and truly believed I was speaking to a representative of the fraud department. I understand that banks are financial institutions and have their own best interest in mind. I do not have faith that additional financial is interested in protecting me as a consumer. The amount scammed from us is a big deal to our family and has hurt our ability to stay on top of our bills. 



      Sincerely,

      ***** ********

    • Initial Complaint

      Date:01/27/2025

      Type:Billing Issues
      Status:
      Resolved
      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.
      Addition financial is demanding payment in full within 60 days for a remaining balance on a car that was totaled. I was informed on multiple occasions from Addition employees ( I do not have the names) that we could continue paying off the balance with auto pay and the original loan terms but instead received a call from their collections department with the demand. I'm being told to come up with over $5,000 or be sent to collections.

      Customer Answer

      Date: 01/30/2025

      I was able to contact Additional financial on my own and resolved the issues with my auto loan. If possible the complaint can be withdrawn. Thank you and have a good day. 

       

      ****** Schultz 

    • Initial Complaint

      Date:01/06/2025

      Type:Product Issues
      Status:
      Answered
      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 opened a nonprofit account at ******************** which they advertise as no fees but theyfail to mention youneed to open a business savings account. which does have fees if under 250 and did not mention during the opening process. they have been taking the $5 fee for months and lost allnon profitmoney we had due to this error ontheir end and we HAVE to have the savings open with the fees if we want the no fee checking.I want a refund to my nonprofit for the fee taken out.

      Business Response

      Date: 01/17/2025

      Addition Financial sincerely appreciates the member reaching out and sharing her concerns. Though Addition Financial does have its fee schedule clearly posted on our website, we acknowledge that an in-person overview of the fee requirements may have been missed at this account's opening.  We offer our apologies for the misunderstanding and any inconvenience our member experienced.  We are in the process of refunding the $20 worth of fees assessed, as requested.  

    • Initial Complaint

      Date:01/02/2025

      Type:Billing Issues
      Status:
      Unresolved
      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.
      CEASE AND DESIST ALL COLLECTION AND ALL CREDIT REPORTING ACTIVITIVES IMMEDIATELY! Addition financial attempting to collect a debt on the basis of FRAUD! Addition financial misrepresentation, FRAUD and Violation of the Fair Credit Reporting Act! Under 15 *** 1681 rights to privacy and confidentiality. 15 USC 1681 s-2 (A)(1) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. This notice is to inform you that you unlawfully reported fraudulent accounts that arose from IDENTITY THEFT that you did not verify as required by law on my consumer report.15 USC $1681b (c) Furnishing reports is connection with credit or insurance transactions that are not initiated by consumer (3) Information regarding Addition Financial account and inquirie; Except as provided in section 1681g(a)(5) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.The Following account are a result of Identity theft and was not initiated by me, I demand that they are DELETED immediately:

      Business Response

      Date: 01/17/2025

      The Assistant General Counsel of Addition Financial sent letter to Mr. ******* in December confirming that his automobile loan is valid and outstanding. Mr. ******* is encouraged to contact Addition Financial to discuss the required loan payments.

      Customer Answer

      Date: 01/20/2025

       
      Complaint: 22758331

      I am rejecting this response because: I have not heard from Addition Financial Credit Union about my complaint. 

      Sincerely,

      ***** *******

    • Initial Complaint

      Date:12/18/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Report numerous inaccurate negative account to my ********************** report. Also, this company Furnished my non-public personal information to Experian, TransUnion, Equifax) & did not notify me I had the opportunity to OPT OUT of certain information which is a violation of my rights FCRA. Your company (ADDIT FIN CU) they violated my rights as well as several federal laws that make this matter a federal case. I am giving your company the opportunity to make this situation right by the following: DELETE CHARGEOFF ACCOUNT #**********

      Business Response

      Date: 01/15/2025

      Addition Financial investigated the claim and sent a response letter to Mr. ******** in September.  His credit is reporting correctly and no error has been made by Addition Financial. 

    • Initial Complaint

      Date:12/10/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Details:I am a customer of ********************************************* and have an active loan with the institution. Recently, my bank account was frozen due to fraudulent activity, which disrupted my automatic credit card payments. When I attempted to update my payment information to avoid a missed payment, I discovered that Addition Financial's website did not offer a way to modify my payment method under these circumstances.Despite my inability to address this issue online, Addition Financial proceeded to charge me a late fee. I find this unacceptable, as the situation was beyond my control, and I made a good faith effort to resolve it.I am filing this complaint for the following reasons:Unfair Late Fee: The late fee was applied despite my inability to rectify the issue due to limitations on the company's *************** Functionality: The website lacks adequate options to address critical situations like frozen bank accounts or updating payment methods in emergencies.Improvement Needed: Addition Financial needs to improve its digital infrastructure to support customers in managing payments effectively under extraordinary circumstances.I request the following resolution:Refund the late fee charged to my account.Commit to addressing these gaps in the online payment system to prevent similar issues for other customers.I am filing this complaint to ensure others are aware of these issues and to encourage Addition Financial to make necessary improvements.Desired Outcome: Refund of the late fee and website improvements.

      Business Response

      Date: 01/15/2025

      Addition Financial investigated Mr. ****************** claim. Due to an inconsistent payment history, the member's minimum payment was increased. In November, the member brought the account current. We refunded a late fee as a one-time courtesy. Mr. ******** may contact Addition Financial to discuss any future questions he has about his account. -  *********************************************

    • Initial Complaint

      Date:10/29/2024

      Type:Billing Issues
      Status:
      Answered
      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 request to remove this account and block it from my file. Account: ********************************************* CU Account number: *************: $9,785.00

      Business Response

      Date: 11/08/2024

      11/08/2024         VIA Electronic Mail
                                 Better Business Bureau of Central Florida, Inc.
                                 ***********************
                                 ********,FL 32750

                                      RE:          ****** ****** **** Case #********

      Dear BBB Consumer Affairs Representative:

      Thank you for forwarding the correspondence from ****** ****** *** regarding Addition Financial Credit Union (Addition Financial or Credit Union).  Addition Financials **************** has reviewed the concerns of ****** ****** *** to ensure that he was treated properly by the Credit Union.

      In his complaint, ****** ******, *** requests that a debt being reported by the Credit Union is removed and blocked from his file and requests that his credit bureau report be corrected.  However, a review of the Credit Unions records indicate that ****** ****** Jrs Addition Financial loan status is being accurately reported to the credit bureau. 

      ****** ****** *** may reach out to the Credit Unions ************** at ************** if he has any additional questions.

      Regards,

      ****************
      Addition Financial
      *****************************************
      **************
      **********************************************************

    • Initial Complaint

      Date:10/07/2024

      Type:Billing Issues
      Status:
      Answered
      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 had a checking account with ********************************************* for about 10 years, which had overdraft protection enabled. This summer, I transferred most of my money to a different bank, but accidentally left automatic billing for some of my services pointed to the Addition Financial account. In the span of a few weeks, my account balance went to -$499 due to a series of $35 overdraft fees. I was not notified of any of these overdrafts, and found out after logging in to online banking later. On the website there was no call-to-action asking me to resolve my account balance, or information about any consequences for not resolving my account balance. At a later date, I tried to log in to online banking to pay the balance, and found that my account was disabled. I was not warned that my account would be disabled, neither by phone, email, or physical mail. During this time period, the only communications I received from Addition Financial were marketing emails about new services. I cannot provide dates for many of these events, because I can no longer access my online banking history. To restore access, they have asked that I pay the balance (now $539.11) by sending a cashier's check or money order in the mail. I would like the total cost of the fees, the cashier's check, and the postage stamp ($544.84) credited to my account. I would also like Addition Financial to investigate their communication practices, to make this situation less likely in the future. And I would like Addition Financial to make banking records available to former members whose accounts have been closed, for audit purposes.

      Business Response

      Date: 10/18/2024



      10/18/2024      VIA Electronic Mail
                              Better Business Bureau of Central Florida, Inc.
                              **************************
                              ********, FL 32750

                  RE:       ***** ****, Case # ********

      Dear BBB Consumer Affairs Representative:
      Thank you for forwarding ***** **** **** *****) correspondence regarding Addition Financial Credit Union (Addition Financial or Credit Union). Addition Financials **************** has reviewed Mr. ***** concerns to ensure that he was treated properly by the Credit Union.

      This review included the details of Mr. ***** transactions and the communication we have provided.  Each time Mr. ***** account had an overdraft a letter was sent to him explaining the transaction as well as the fee associated with the courtesy pay service.  The letters mailed were as follows:

      8/1/2024: A debit card transaction from ******
      8/2/2024: An ACH withdrawal from ************************
      8/2/2024: An ACH withdrawal from T Mobile
      8/5/2024: An ACH withdrawal from Comcast
      8/7/2024: A debit card transaction from *****
      8/10/2024: A debit card transaction from *****

      On 8/18/2024, the Credit Union sent out a first notice of the checking account being overdrawn for 17+ days. After that on 8/25/2024, we sent a second notice of the checking account being overdrawn for 24+ days.  The letter stated to continue with the checking account and ********************************************* privileges, a payment was necessary within five days to bring the account current. On 9/1/2024, the Credit Union sent a letter going over the status of Mr.***** account, the current balance, and the request to satisfy the negative balance.  We have communicated with multiple letters reviewing Mr. ***** account and giving him an opportunity to satisfy the negative account balance. While an account is still active, we encourage our members to regularly monitor their account balances through online banking to ensure they maintain sufficient funds to cover their transactions. We have reviewed all the documentation and have decided that we will not be refunding any fees associated to Mr. ***** account. 

      If Mr. **** would like to discuss further, please reach out to *** ****, Regional Director of Branch Operations by email ******************************** or phone ************ ext.  2170.

      Regards,


      ****************
      Addition Financial
      *****************************************
      **********************************************************

    • Initial Complaint

      Date:09/18/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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.
      CENTRAL CASTING ALL LOCATIONS *************************************************** ****************** ********************************************************** FEDERAL BEUREA OF INVESTIGATIONS WITH *** ****** **** ****** **** ***** **** ****** ****** ***** AND *** **** KEEP TRANSFEREING ILLEGAL MONEY USING VOICE TO SKULL V2K I AXXIS FROM COMERICA DIRECT ******* CENTRAL FLORIDA EDUCATORS CREDIT UNION ADDITIONA FINA***L USING A FAKE ILLEGAL MARRIAGE WITH ****** ****** FROM SEMINOLE COMMUNITY COLLEGE SUPERBOY WITH ****** *********** AND A STOLEN CORPORATION SEAL AND EMBOSSER BY THE SHERIFFS OFFICE NO ONE HAS THE RIGHT TO STEAL ANYTHING ROYAL THE **** OGF **** DRACUL **** EVE HER MAJESTY LILITH AND OTHER STORIES OR ALL OF BRIDE KIDNAPPING MARRIAGE FRAUD JOINING A FRATERNITY FREEMASON EASTERN STAR ALL FRATERNITIES ARE BAD AND THAT IS WHAT CAUSED THE PROBLEM IN THE FIRST ALL THE OBLESKS ARE STOLEN AND THEY NEED TO BE RELOCATED TO THEIR ORIGINAL POSTION AND THEIR KIDNAPPED WIVES AND BRIDES NEED TO BE BURIED WITH THEIR HUSBANDS THE VATICAN ROMANS TURKEY AND THE **** **** PARTY STOLE FROM ***** AND FROM ******* AND CAUSE A PROBLEM THE WOMAN THAT ****** CENTRAL CASTING KEEP DOING THEFT WITH *** ***** ****** ****** AND *** SEAL TEAM 6 IS A GIRL KIDNAPPED AND RAPED FROM VISAGE NIGHTCLUB WITH THE MOVIE INSTINCT SHE NEVER MADE IT IN THE MOVIE WITH ******* ******* ALL FILMING FOR SUPERBOY AND INSTINCT WERE AT VALEN*** COMMUNITY COLLEGE VOICE TO SKULL IS HOW ****** *** *** STEAL **** AND MURDER THEY KEEP DOING FICTICIOUS BUSINESS NAME CHANGES WITH I AXIS V2K VOICE TO SKULL I WON A LAWSUIT AGAINSTVOICE TO SKULL AND *** **** KEEPS GOING BACK TO VOICE TO SKULL EVERY TIME ALL STOLEN FINANCES 91 TRILLION DOLLARS STOLEN FROM THE SEVEN DEMON SISTERS IS TO REUNITE THEM WITH THEIR FAMILIES AND REPLACE THE OBLESKS BECAUSE THEY ARE ALL RELATED TO HER MAJESTY EGYPT LEMURIA ROMANIA PERSOPHONE HADES AND THE FLOOD COUNTRIES DO NOT HAVE THE RIGHT TO STEAL ROYAL OBLESKS MONEY MARRIGES DINEY *** SEAL TEAM SIX MUST BE TERMINATED

      Business Response

      Date: 09/19/2024

      Unfortunately, Addition Financial Credit Union is unable to process the complaint as we cannot identify the complainant in our records as a member of Addition Financial.  To proceed with the complaint would require the full name of the complainant, a clear description of the problem with details of the product or service involved and what the complainant hopes to achieve through the complaint.  Once we receive this information, we would conduct an investigation of the matter. Thank you.

    Addition Financial Credit Union is NOT a BBB Accredited Business.

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