Complaints

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

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  Atlanta Postal Credit Union

  3900 Crown Road Atlanta, GA 30380

• 

  Atlanta Postal Credit Union

  3900 Crown Road Atlanta, GA 30380-0001

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:04/01/2025

  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.

  To Whom It May Concern,I am filing this formal complaint against Atlanta Postal Credit Union for illegally reporting a charge-off on my credit report without proper validation. I have disputed this account multiple times, yet Atlanta Postal Credit Union has failed to provide validation of the debt, while continuing to report inaccurate and unverified information that is negatively impacting my credit profile.The company is in violation of the following federal laws:Fair Credit Reporting Act (FCRA) 605B If the debt is fraudulent or linked to identity theft, it must be blocked from my credit report upon request.FCRA 623(a)(3) A data furnisher must not report information that is disputed and unverified.FCRA 611(a) Upon a dispute, inaccurate or unverifiable accounts must be deleted immediately from the consumers credit report.Fair Debt Collection Practices Act (FDCPA) 1692e Prohibits false, deceptive, or misleading representations, including misreporting the status of a debt or incorrectly reporting a charge-off.FDCPA 1692f Prohibits unfair practices, including continuing to report a debt that has not been validated.Given that Atlanta Postal Credit Union has failed to properly validate this debt and continues to report it inaccurately, I am requesting that the Better Business Bureau intervene to ensure this charge-off is immediately removed from my credit report as required by federal law.I am seeking prompt resolution of this issue and expect Atlanta Postal Credit Union to delete this charge-off from my credit report within the next five business days.

  Business Response

  Date: 04/02/2025

  Thank you for reaching out to us.  We will investigate this matter and reach out to the member directly.

• Initial Complaint

  Date:03/26/2025

  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 disputing an invalid account reported by ******************************************************************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

  Business Response

  Date: 03/26/2025

  Thank you for reaching out to us.  We will begin investigating this matter immediately and reach out to the member privately.

• Initial Complaint

  Date:02/06/2025

  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.

  I took car loans from them for postal vehicles and I had to keep insurance on them. I have car insurance through progressive and my insurance have never lapsed but they put their own insurance on the cars no matter how many times I have sent them proof or my insurance agent has sent them proof. I have been on the phone multiple times and they always say they will send the information/email/proof to the right people. We have even had someone even confirm that it was what they needed and sent a confirmation email to the insurance agent. I am just so frustrated and tired because now it is effecting my credit score because they are charging me for their insurance. I have even tried to pay the insurance they are charging and they just put it in a new savings account. It has been going on for so long now and they are just not trying to fix anything. I value my credit and their mistakes and not even trying to fix them are messing up my credit score. They need to stop charging me for something that never lapsed in the first place.

  Business Response

  Date: 02/07/2025

  Thank you for bringing this to our attention.  I will look into this matter and reach out to you discuss the details.

• Initial Complaint

  Date:01/04/2025

  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 have been a member of this credit union for many years. I did not have on online account until today. I also had an allotment from my paycheck to this bank to my savings. I took out a car loan in 2018. I received paper statements in the mail for the entire time I had the loan until I stopped receiving them 2 months prior to the conclusion of the loan. When they sent me a letter stating I had forgotten to pay, I sent a check for $875 . I had to call to get the address to send it to. I got another letter called again they said this had not posted yet and that they were behind on posting payments. I got another letter from collections and called. After about 4 attempts to reach someone by phone I was transferred to find out my payoff amount which was $901 and change. I asked if there was a way to pay this by phone and was transferred and the *** said to leave my # they would call back. They did not call back. I attempted to reach them 8 more times and finally called while I was at work. I reached a human who when I asked her to help me she said that since I had over $4k in my savings they would just transfer the money from my savings...which they did. I got an email from another banking institution that I deal with that said my credit score had dropped. I had a steady score of about 822 for over a year . My score dropped from 822 to 726 and the only negative item on there was from this bank. I have stopped the allotments today and moved the checking account money to my savings and set up an external transfer for but it is pending. I have no other choice but to wait until my cds mature to remove them. The problem I have is that my credit score will have this on my report until 2031 it says and I feel this is wrong as they changed the billing process without telling me and I did try to pay them. I will check with my checking account at other bank daily to see if the $875 check is ever cashed. At the time when this happened I had over $10k in assets with this bank.

  Business Response

  Date: 01/07/2025

  We will investigate this matter and reach out to the member privately to resolve the issue, as we cannot share personal information in this forum.

• Initial Complaint

  Date:11/20/2024

  Type:Service or Repair 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.

  Today I applied for an auto loan through my online account with the intent for ****** ***** to work my loan who is fantastic and my existing loan officer. Instead it was assigned to ****** ******. Who I repeatedly reached out to. So I could have the loan application transferred over. I spoke to ****** and she said she would be happy to help me. I documented everything in the conversation log of the loan. After waiting hours and her trying to reach ****** he calls me at 1:30pm mind you the loan was placed early this morning prior to the bank opening. ****** was very rude and lied to me and told me the system wouldnt allow him to transfer the loan to ******. I told him its important I work with her. He became ***** and *****. I asked for him to withdrawal the loan. He then declines my loan application. I have been in lending before over a decade of my professional career before becoming disabled and this treatment was terrible service. I feel comfortable with ****** and want to work with who I want to work with. And should have that right. ****** was just awful to deal with. He needs to be coach around how to handle customers who want to deal with their person and not lie to them to make a sale. Thats a sleezy way to do business.

  Business Response

  Date: 01/07/2025

  We appreciate the opportunity to investigate this matter and regret that you did not receive satisfactory service.

  Customer Answer

  Date: 01/07/2025

   
  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. I do hope in the future this representative does not treat other people the way that I was treated. If it wasnt for ****** *****, we wouldve moved our money elsewhere. She really saved our relationship with APCU. So I hope she is recognized for the service that she has given us and I hope this other representative was trained to better handle individuals in the future, requesting their specific loan officer.
  
  Sincerely,
  
  ****** ********

• Initial Complaint

  Date:09/17/2024

  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.

  We have been charged for auto insurance on a loan despite repeatedly sending in proof of insurance of our own policy. This has been going on since October, 2023. At first, we discovered they had the year incorrect on our vehicle so our insurance did not match up to their records. This took over 6 months to fix. **** had it listed as a 1998, however it was a 1995. Once they fixed it, they continued to charge for insurance. Finally, after repeated calls, they stopped charging us.However, they still have not refunded us the charges of over $1000. I continually call and ask for managers who are always in a meeting. They NEVER call back. I have records of 22 phone calls regarding this situation. It is BEYONE rediculous.

  Business Response

  Date: 01/07/2025

  We appreciate the opportunity to investigate this matter.  We have resolved the issue with the member.

• Initial Complaint

  Date:08/23/2024

  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.

  PLEASE SEE ATTACHMENT

  Business Response

  Date: 08/26/2024

  We are unable to research this matter with the information provided.  We do not find an account matching the name and address you provided.  Please contact us at ************** and speak with our loan servicing department regarding your account.

• Initial Complaint

  Date:08/19/2024

  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 trying to get my money back. As you can see by the attached items, I have been systematically fleeced of Five thousand nine hundred fifty dollars ($5,950.00), of which the Credit Union says that the only help they can assist with is documentation, to take to the police department for further investigation, which I did. Now I am seeking your help. This fraud began in March of this year. The people that I have spoken with at Atlanta Postal Credit Union says there is nothing they can do to recoup my funds, arent they insured by the ***** and listed with the BBB?

  Business Response

  Date: 08/20/2024

  This is repeat complaint has already been investigated by the credit union and we have previously responded to this member.

• Initial Complaint

  Date:08/15/2024

  Type:Service or Repair Issues
  Status:

  UnresolvedMore 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 reached out to Atlanta Postal Credit Union (APCU) on several occasions regards payment issues that I am having on my Home Equity Loan (HELOC) account. APCU will only allow me to pay a maximum of double of what my loan amount is. For example, if my monthly payment is $89.47 it will only allow me to $178.94 and not a ***** more. My wife and I have been attempting to pay off a large sum of the loan for months and are not able to which has resulted in more interest being added to the loan. I find this very illegal as the company is not allowing me to pay down my loan and ultimately making me pay them more in interest. I have sent them messages via their secured message center, in which the keep marking it as resolved. *** spoken to APCU representatives and they have told me they would call me back with a resolve and have never received an answer. Additional I sent screen shots to an APCU representative (***************************) approximately a week ago when speaking to him on the phone and have had no response. I want to be able to pay more off my loan that what they are allowing and my account be adjusted to what it should be if I were able to pay off the large sum I was wanting to months ago.

  Business Response

  Date: 08/16/2024

  We apologize for this inconvenience and lack of response.  An investigation into this matter will begin today.  We will contact you privately to discuss the details.

  Customer Answer

  Date: 09/09/2024

   
  Complaint: 22150349
  
  I am rejecting this response because:  On August 15, I submitted the BBB Report ID: ********* Since submitting this report, a "*** *******" reached out to me on one occasion on August 16. I originally missed Ms. ******* spoke with Ms ******* on the morning of the 16th. I was able to finally speak with Ms ******* later that day. Ms ******* indicated that she oversees complaints that are submitted against ****. She indicated that they are looking into the issues and would reach back out to me. Ms ******* asked if I would like a phone call or email follow up, in which I indicated both. Later that day, I also received a call from ******* ******* I told Mr ****** that I had already spoke with someone else that day. I provide Ms ******* name to Mr ******* Approximately a week or week and a half ago, Mr ****** called me and indicated that he believed they had a temporary resolve to our issue. Mr ****** adjusted what our minimum payment for the month would be so that we could make our wanted payment. At the time, I did not feel comfortable with making this payment until we knew what adjustments that APCU were going to make to our account since we did not know what they were going to do to adjust our account. I told Mr ****** and Ms ******* that we were willing to make a payment of $5000 to our loan months ago when we were originally attempting to make a payment, however at this time we would be able to make a payment of $4000. As of September 2, there is still not a true resolve to our issue. The **** software will not allow us to make a payment over double the amount. I emailed Ms ******* and Mr ****** to let them know that they is still no resolve and that were were going to submit another report to the BBB and CFPB due to the continued lack of a resolve. Additionally, I indicated that we will be seeking legal counsel for this as this appears to be unlawful as APCU has placed restrictions on us for not being able to pay our loan for the amount we want through their online banking mobile app and web page.
  
  Sincerely,
  
  ***** ********

• Initial Complaint

  Date:08/07/2024

  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.

  COMPANY CONTINUE TO VIOLATE "FCRA" SECTION 607 AND 623 " FURNISHERS OF INFORMATION TO CONSUMER REPORTING AGENCIES"....WITH REPORTING INCORRECT ACCOUNT DATA AS "CHARGE OFF" $55.00, ACCOUNT PAID IN FULL/ $0.00 BALANCE, ACCOUNT, ACCOUNT NEVER LATE, ACCOUNT# *********, SSN#*******************: FORMAL COMPLAINT AFFIDAVIT FILED WITH "FTC" CASE# *********(2/26/2024)

  Business Response

  Date: 08/08/2024

  Privacy regulations do not allow us to discuss the specifics of a members account in a public forum.  A member of our staff will reach out to resolve this matter.