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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 status

    Complaint type

    • Initial Complaint

      Date:07/23/2022

      Type:Customer Service 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.
      Hello I have/had a solar loan and was told it was in discharge but the person wouldn't/couldn't explain what that meant. Long story: got the loan over a year ago, clean.tech was the installer, had a contract for a solar system that includes a battery, 21 panels, and all the connecting parts and they were to pull all permits and do the paperwork for the electrical company. Well that's not what happened. I did get panels on the roof, however was not to site plan and will fail inspection because they did not leave the 3' fire easement I did not approve the site plan because where they planned to put the battery and the inverters is a set of stairs, they sent a second draft of the site plan, I also didn't approve because the batters and stuff were slated to go where a shed is. All clean.tech did was place the panels on a roof, not much else of the contract . Clean.tech went under in November, Out of business I was told by Sunlight, but not before telling you the install was complete when it wasn't. I did reach out to you multiple times to let you know the install was not complete before the 60 day payment was due to start. I made 3 payments and later had the payments pulled back because I do not have even 1/2 of the system I have the $43,000 loan for. I have been the one contacting Addition multiple times every month trying to get you to understand how much of the system I was missing only to get told well you got the panels. Just the panels is not a solar system and not worth anywhere near $43,000, in fact according to the city permit it is worth $5977.77. Sunlight is supposed to be getting a new installer to finish the install but have been saying that for 6mts and still no work has been done and no contact from sunlight or a new installer. If I NEED a new installer that would mean the original install was never complete right? If the install was never complete then why did the payments start? I had told Addition all this multiple times every month but no one listened

      Business Response

      Date: 09/02/2022

      Business Response /* (1000, 9, 2022/08/10) */ 08/10/2022 VIA Electronic Mail Better Business Bureau of Central Florida, Inc. 1600 S. Grant Street Longwood, FL 32750 RE: ***********, Case # ******** Dear BBB Consumer Affairs Representative: Thank you for forwarding Ms. ***********'s ("Ms. *******s") concerns regarding ****************** Credit Union ("******************" or "Credit Union"). ******************'s Legal Department has reviewed Ms. *******s concerns in an effort to ensure that Ms. ****** was treated properly by the Credit Union. Ms. ****** previously purchased solar energy panels through a company doing business as "Sunlight Financial." ****************** provided Ms. ****** with financing for the purchase of the panels. Ms. ****** subsequently defaulted on the terms of her loan agreement with ****************** by failing to make required monthly debt service payments. After several months of missed payments, Ms. *******s defaulted loan was considered a loss by ****************** and the debt charged off. Ms. ****** states in her complaint that the company retained by Sunlight Financial to install the solar energy panels (referred to as "Clean Tech" by Ms. ******) did not properly connect the panels. However, ****************** has no direct relationship with, or control over, Clean Tech. ****************** has verified that the solar energy panels that are the subject of Ms. *******s complaint were delivered to, and installed on, Ms. *******s home. Any concerns Ms. ****** has regarding the quality of the installation must be addressed directly with Sunlight Financial and/or Clean Tech. Although Ms. ****** has defaulted on a valid debt owed to ******************, the Credit Union is interested in discussing alternative payment arrangements with her. If Ms. ****** is interested in investigating her options regarding the loan, she may contact me directly at ************************ or************** Regards, Joe Joseph A. M******** Assistant General Counsel ****************** 1000 Primera Blvd. Lake Mary, FL 32746 ***************************************

    • Initial Complaint

      Date:06/14/2022

      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 called addition financial at the beginning of May in regards to my lost credit card which had three fraud charges of $818.01 on May 2nd, 900.00 on May 4th, and $861.48 on May 9th. I have been calling every week since then with promises that someone would call me back in 2-3 business days in regards to the fraud charges that are still on my account. This still has not happened. As i was typing this complaint i was on the phone with a representative who put me on hold after speaking with her for about 15-17 mins. She hung up the phone and has yet to return my call. This is ridiculous that I'm having to go through this as a customer and thank goodness I did not bring any of my other accounts over to additional. They continue to tell me that one of the charges of $818.01 was reversed back to my account however that is not shown in any of my statements. But again, after i have been fighting this for a month only to be hung up on and a call not returned and my situation is still not resolved? I will be posing this horrible experience on all of my social media platforms, and filing a complaint with the CFPB as well. This is ridiculous.

      Business Response

      Date: 08/08/2022

      Business Response /* (1000, 9, 2022/07/05) */ 07/05/2022 VIA Electronic Mail Better Business Bureau of Central Florida, Inc. 1600 S. Grant Street Longwood, FL 32750 RE: ***************, Case # ******** Dear BBB Consumer Affairs Representative: Thank you for forwarding Mr. ***************' ("Mr. ********'") concerns regarding Addition Financial Credit Union ("Addition Financial" or "Credit Union"). Addition Financial's Legal Department has reviewed Mr. ********' concerns in an effort to ensure that Mr. ******** was treated properly by the Credit Union. Mr. ********, in his complaint, states that his Addition Financial credit card was fraudulently used in May of 2022 to make several purchases totaling $2,579.49. Addition Financial has investigated these transactions, determined them to be fraudulent, and contacted Mr. ******** to inform him that he will not be held liable for the disputed charges. These transactions, as well as $42.00 in related interest charges, have now been removed from Mr. ********' credit card account. We at Addition Financial thank Mr. ******** for his communication and hope that he remains a valued member of Addition Financial for many years to come. Mr. ******** may contact me directly with any further questions or concerns regarding his account. Regards, Joe Joseph A. M*******, Assistant General Counsel Addition Financial 1000 Primera Blvd. Lake Mary, FL 32746 (407) 228-2679 [email protected]

    • Initial Complaint

      Date:05/14/2022

      Type:Customer Service 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.
      On my payment date I was charge by mistake of the *************** Hotels and was processed a payment reversal. The Addition bank customer service rep attempted to tell me that they could not pause or fund the account even after also confirming with ****** Hotel therefore allowing my account to appear as if my account was not paid in full on time as I do every month. This not only was terrible service but also impact the customer directly that is also supporting your terrible community bank. Not sure what the upside to having this bank when you're negatively impacting your customer's personal financial history due to lack of coverage or false information. Nearly every bank provides or will credit their customer's account in these rare cases especially when they've confirmed with the other merchant. Please explain where I may be confused and also how you will resolve my credit reporting?

      Business Response

      Date: 06/29/2022

      Business Response /* (1000, 9, 2022/06/07) */ 06/07/2022 VIA Electronic Mail Better Business Bureau of Central Florida, Inc. 1600 S. Grant Street Longwood, FL 32750 RE: ***** ********, Case # ******** Dear BBB Consumer Affairs Representative: Thank you for forwarding Mr. ***** ******** ("Mr. ********'s") complaint regarding Addition Financial Credit Union ("Addition Financial" or "Credit Union"). Addition Financial's Legal Department has reviewed Mr. ********'s concerns in an effort to ensure that Mr. ******** was treated properly by Addition Financial. Mr. ********, in his complaint, states that his credit history has been negatively impacted by a credit provided by Hilton Garden Inn to Mr. ********'s Addition Financial credit card account. However, Addition Financial is unable to identify any negative consequences to Mr. ********'s credit history on account of this credit. As shown on the credit card statements provided by Mr. ********, a Hilton Garden Inn transaction posted on April 11th in the amount of $181.13. On April 18th, Hilton initiated a credit for the amount of $181.13, which posted back to Mr. ********'s credit card account on April 24th. This credit was reflected on the following statement since it was received after the statement cycle cutoff date of April 21st. However, Mr. ********'s credit card account is not currently showing as delinquent. Addition Financial would be happy to investigate this issue further if Mr. ******** can provide us with the documentation outlining the negative credit reporting event. Any additional documentation Mr. ******** wishes to provide may be sent to me at ************************ or mailed to my attention at the address listed below. Mr. ******** is a member in good standing with the Credit Union. We thank Mr. ******** for his communication and hope that he will continue to be a member of Addition Financial for many years to come. Regards, Joe Joseph A. M*******, Assistant General Counsel Addition Financial 1000 Primera Blvd. Lake Mary, FL 32746 ************************ Consumer Response /* (2000, 11, 2022/06/16) */ (The consumer indicated he/she ACCEPTED the response from the business.) I accept this response. Thank you.

    Addition Financial Credit Union is NOT a BBB Accredited Business.

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