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:10/23/2023

  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.

  The Atlanta Postal Credit Union is holding my payments for 8 days or more, for .y credit card. I transferred money from my savings account, same APCU, to pay APCU credit card, and my payment or access to those funds was held for 8 days.Sent an electronic transfer on Oct.17th of $600. They will not post for 8 days. They told me. New Policy last couple months. We hold payments to make sure they clear.Not legal to hold my money for 8 days until access is approved.

  Business Response

  Date: 11/17/2023

  We have explained the program we use for posting payments to revolving accounts.  For exceptions to this policy, members should call and speak with a member services representative after the payment is made.

  Customer Answer

  Date: 11/17/2023

   
  Complaint: 20772242
  
  I am rejecting this response because:
  
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/20/2023

  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.

  First, let me state that I been a Loyal Customer since I was about 30 years old, or longer. This Creditor does ******** About the Consumer or Consumer Loyalty. Atlanta Postal Credit Union (APCU) is Fraudulently Responsible and Reporting to my Credit Record on All 3 Credit Bureaus that I had a Credit Card that Charged Off @ $370.81 dollars. They are Wrong and they should have this removed from my Credit Report and Record and resolved Immediately because they Intentionally Charged Off My Checking Account not a ********************** Card! I paid off the only **** Credit Card in 2022. I only had 1 Credit Card. On October 28, 2022, I booked Southwest flight from ****************** to Atlanta for Medical Reasons and then I booked an Uber from Atlanta Airport. I had been Diagnosed with Cancer and I had been on the trip to stay with my son for awhile in ********, until I had been diagnosed . Due to the fact that I was diagnosed with cancer I had No choice but to go back home and prepare for my treatments and surgery.I have had this Checking Account #******** for as long as I been a member.I never had any problems with this account before that Threaten my Account to close, if I received any Overdrawn fees on the account, I paid for the account checks and the overdrawn fees. However, I did not have the money for this transaction because of my Long fight with Cancer and other Medical Bills. I called the Credit Union (APCU) and explained the issue as I explained above about my Medical Diagnosis, but Clearly this was not enough for APCU to care, offer other options to pay, Atlanta Postal Credit Union (APCU) chose to hurt me and my Credit Report and Record by Refusing to provide any further assistance for the situation and placing Negative Value on my Credit Report with ALL 3 Bureaus.I am seeking compensation from APCU in the Credit Union Removal of Negative $370.09 Reporting; Resolved the matter of the complaint with me By Resolving this issue with my credit report by @ Removing and Resolving by A Paid in Full to my credit record and reports with Atlanta Postal Credit Union (APCU). Now!! Because of the Credit Union NEGATIVE things that have been happening to my Credit file and Credit Score for at least 5 months, Plus or more because of this. Atlanta Postal Credit Union (APCU) doesnt allow you to pay for any bills with other options they only prefer to send you to Collections. I have contacted ***************************** in Collections and he Never responded back to my Emails sent; I have since Contacted the CEOs office and spoke with *******************************; ************** , CEO Secretary. I had an Attorney for the matter awhile back to write ********************************* and he Did Not respond to her Letter sent to him Clear My Record and Stop the Hurtful Fraudulent Reporting. He evidently didnt care because the emails and letters had Attention: ********************************* addresses. This Credit Union has seek to Destroy My Good Name because of the fact that I Am about to pay off my Car Loan in the amount of $710.00 dollars which I believe this is the Reason for the Fraudulent Reporting of to Damaged my Credit Score!!

  Business Response

  Date: 08/28/2023

  We have been in contact with the member regarding this matter.  

  Customer Answer

  Date: 08/28/2023

   
  Complaint: 20496552
  
  I am rejecting this response because:

  this should have never been reported to my Credit Bureaus record if they wanted to report it to my records. CHEXSystems is for behind Checks accounts.

   I have reached out several times and ***************** insists upon damaging my accounts and records 
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 08/28/2023

  Unfortunately, we cannot discuss member information in a public forum.  We have responded to ****************.

• Initial Complaint

  Date:08/18/2023

  Type:Billing 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.

  Transaction date 8/4/23 I have account with ********************** trying to make a deposit, the teller was declining to complete service, didn't want to accept deposit stating that check was written in spanish. Check came from a bank in *********** which is part of *************. Finally after a long time waiting in the lobby credit union accepted the deposit. Today 8/18/23 still no signs of funds available in my account and no contact from bank stating why.

  Business Response

  Date: 08/28/2023

  We have been in contact with the member regarding this matter.  

  Customer Answer

  Date: 08/28/2023

  I didn't hear from the business at all, after submitting my complaint to *** my money was released.  Thank you ***.

• Initial Complaint

  Date:07/10/2023

  Type:Billing 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 have been banking with Central Park/Atlanta postal credit union for approximately a year now. Throughout this entire year of course, our country has been facing a pandemic and great financial strain.14 nsf paid 12 nsf return 37! courtesy pay fees have been assessed to my account $32 each. And many of these have been during technical difficulties or because I am unable to reach a representative to get assistance with my account. I have blocked my debit card to prevent fees to no avail. The reason I have so many courtesy pay fees is because I will *** the feature to prevent allowing any additional charges to go through on my account because it cost me more when they do. Even when Ive blocked my card you all are still allowing charges to go through. There of been two occasions, where I have requested to cancel the check and, not receive a response and no action has been taken. Im requesting someone intervene because this Has to change Im a single parent I have had Covid three times myself during this time frame and been out of work. It was my understanding that credit unions are in the community to assist the community not take from us and thats all Ive been experiencing with this baking institution . There have had data breaches that no one advised us of. I just randomly received a new card. You all are not taking into account how incredibly inconvenient this is for us because we have these cards on different accounts that we are responsible to pay you randomly deactivated our old cards for these new cards that were sent out, but didnt tell anyone. I cant even pay my rent from this account because of how they prioritize ACH payments every single time I have attempted to they return my payment. I called into the contact center prior to all these technical issues and spoken with representatives as well as management and received no assistance on this. Its always just a matter a factual and the fees are what they are.

  Business Response

  Date: 07/18/2023

  We have been in contact with this member and believe that the matter has been resolved to her satisfaction.

  Customer Answer

  Date: 07/18/2023

   
  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:07/03/2023

  Type:Sales and Advertising 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 spoke with a representative about this situation. Currently I am in a weekly hotel that was being transferred over to apartment. During the recent weeks it has been heavy crimes . Break in to rooms missing mail and so forth. Not realizing my accounts were missing money because I had to obtain a new phone . I tried to long in to my online account only to find out that it had been closed and money was stolen from me and my kids . I reached out to this bank advise them of changes I had made since I got the account and what was going on . They said they would investigate further only to not respond or even email me . So this week I called to find out what happened they stated that it was denied due to a ip address matching . After me telling them like my place was broken into I even had a police report to prove and they still said I was lying and refused to answer the phone or return my calls . I have emailed and called and all I get is a voicemail. The next thing I will go is to the news about this deception of a company . Along with this is a picture of my door that had to be replaced by the front office

  Business Response

  Date: 07/11/2023

  Privacy regulations prevent us from discussing a member's personal information in this forum; however, we have reached out to the member to resolve the issue.

  Customer Answer

  Date: 07/11/2023

  They did not call or reach out until this morning. I have left numerous of emails with them as well as tried to reach out to them in regards of the situation and was told that something about a ip address when I advise them that Im going through identity theft and its due to the post office !!!! So now they are trying to keep my funds because they are all connected. They are upset because they company not only caused harmful intentions but also is trying to steal everything I have worked hard for 

  Business Response

  Date: 07/11/2023

  *******************,

  I have contacted the number we have on file for you, as is our procedure.  When that did not work, I used the number on this complaint. Please return my call.  I would like to advise you of the resolution to this matter.

  You may reach me at the number left on the voicemail, or by dialing our main number and asking for me by the name I left on your voicemail.

  Thank you.

  Customer Answer

  Date: 07/11/2023

  Okay I will try again k just called back a hour again and I left a voicemail. I will try to call back . The number on my account is not my number anymore . I explained all of this in the dispute information. That why it is very important to have employees who are honest and will put everything in the notes or sum it ** in a way that it makes sense throughout the case. I will call again . Thank you for reaching out . 

  Business Response

  Date: 07/20/2023

  We have been in contact with this member and to our knowledge, this was resolved in a satisfactory manner.

• Initial Complaint

  Date:03/02/2023

  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.

  I have been with APCU for several years and never had an issue with late payments. I recent attempted to secure a loan. I provided all my information and the person told me that there is a note on my account stating contact the back office. I was placed on hold for about 10 minutes and the person came back and kept saying hello and I was answering but they could not hear me I guess and they hung up. I called back and I was told that they are not able to offer me a new loan on this account. I do not understood what they mean on this account as I was requesting a new loan. I noticed in the past I never had any issues with securing a loan or making payments. APCU and I have a great history and I would like to speak with an executive regarding this matter at APCU as I recall some years ago issues with a limit on the amount of mobile deposit checks was that cleared up and authorized by a member of administration.

  Business Response

  Date: 03/03/2023

  While privacy regulations prevent us from discussing account details in this forum, we will reach out to the member to address his concerns.

  Customer Answer

  Date: 03/03/2023

   
  Complaint: 19526275
  
  I am rejecting this response because: I did not see a response. I would appreciate it if the business would respond, because there was no response I am rejecting the non response. Thank you 
  
  Sincerely,
  
  *******************************

  Business Response

  Date: 03/03/2023

  ******************, you can expect to receive our written response in the mail within 5-7 business days.  It was mailed out today.

  Customer Answer

  Date: 03/03/2023

   
  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 ased the company contact me I believed it would be a phone call. Thank you, BBB, for contacting this business.
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:01/07/2023

  Type:Product 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 was not sent in error i am a consumer by law and my information was misused and now I have some false not 100 percent accurate accounts on my credit report. Unauthorized use of my credit report. This investigation has been going on for more than 45 days these items must be deleted.I have been Disputing these items since Oct. 16 2022. This Creditor has prolonged this investigation. Under 15 U.S.C 1681i(6)Notice of Results of Reinvestigation. These items below shall all be removed from my consumer report under 15 U.S.C 1681i(6) As its been over 45 days and they failed to comply. I have contacted this creditor by phone and mail. They have not be able to verify these accounts and i have explain numerous times. I am not associated with these accounts.All these Items must be deleted As soon as possible. In addition monetary compensation is necessary because of these items diluting my report and creditability as a natural person.SOMEONE HELP ME PLEASE.

  Business Response

  Date: 01/23/2023

  Privacy regulations do not allow for us to communicate with the member in a public forum.  We have been in contact with the member to discuss this matter on multiple occasions.

• Initial Complaint

  Date:12/28/2022

  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.

  On December 2nd, I sent a secured portal message to APCU wondering why transactions were going through my debit card when I have frozen the card to prevent any transactions from going through. Im aware that if a transaction is considered recurring then it may still process however there were multiple transactions, a handful that were not even considered recurring, that did get successfully blocked but a lot more had gone through and posted. And with each transactions that have gone through, I was charged a $32 courtesy fee. The courtesy fees ended up racking over $300 putting my account so far in the negatives. Not only was I receiving a response to my portal messages in over 5+ days intervals but I was told I was only able to be credited back $64 and that there is no way of requesting for the fees to be waived. Ive been a customer with APCU for over a year, have more than 2+ bank products with APCU (member # ******) and would have thought I was building a great banking relationship with until this matter came about. I would like to ask if the difference in fees can be reversed to bring my banking status back in the positives.

  Business Response

  Date: 01/05/2023

  While we cannot discuss personal financial information in this forum, our staff has been in contact to attempt to resolve this issue.  We do apologize for the delayed response and appreciate that you notified of this.  We will review our internal processes to ensure that prompt response is given to messages received from members.

  We appreciate the opportunity to serve you.

  Customer Answer

  Date: 01/05/2023

   
  Complaint: 18652690
  
  I am rejecting this response because:
  
  Sincerely,
  
  *****************************

  Business Response

  Date: 01/06/2023

  We regret that the member does not feel this matter was resolved; however, no further action is due on the part of APCU.

  Customer Answer

  Date: 01/06/2023

   
  Complaint: 18652690
  
  I am rejecting this response because:

  The representative who reached out to me, *****************************, did not assist. In fact, when I asked for this issue to be escalated since she was not willing to help, she would not provide me with the information to do so.

  I cannot be responsible for over $300 worth of courtesy fees when I utilized APCUs feature and froze my card to prevent those charges that caused that outrageous amount of fees. And before it even got that high, I reached out to APCU & was not addressed in a timely manner. Now my account is at risk at being closed because I am so far in the negative. 
  
  I am asking for those fees to be waived or to have this matter escalated. Please assist with this.
  

  
  Sincerely,
  
  *****************************

• Initial Complaint

  Date:10/03/2022

  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.

  Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681.ATL PO VSA Account Number: ************ Delete this unverified and misleading account.

  Business Response

  Date: 10/11/2022

  Privacy Rules prevent us from discussing member accounts in a public forum.  We have reached out to ****************** to assist her with this matter.  Any billing or collection error is handled promptly and according to all federal guidelines.