Complaints

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

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• 

  Baxter Credit Union

  340 N. Milwaukee Ave Vernon Hills, IL 60061-1533

  
• 

  Baxter Credit Union

  1 N Field Ct Lake Forest, IL 60045-4810

  
• 

  Baxter Credit Union

  415 S Main St Crystal Lake, IL 60014-6204

  
• 

  Baxter Credit Union

  1 Baxter Pkwy Deerfield, IL 60015-4625

  
• 

  Baxter Credit Union

  25212 W Il Route 120 Round Lake, IL 60073-9610

  

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.

  Hello, I have been a customer with *** for some time now and have a checking account, a ********************** card, and LOC. My payment history has been exceptional until recently when I was hospitalized with the flu and pneumonia, I was off of work for 3 weeks and unable to work, or care for myself. My checking account went negative mainly due to automatic withdrawals some for less than $5, and I was charged $29 each time. I am asking to please reverse the fees so that I can make my account positive. I have 5 children and when I'm well and working I make well over 6 figures a year. If need be please remove the courtesy payment service so that this wont happen in the future. I can make the account positive today just in this economy every little bit helps. I have two checking accounts and over the last couple weeks received fees on both I believe.

  

  Business Response

  Date: 04/09/2025

  We have completed our investigation. Please see the attached file for resolution. *********, ***.

• Initial Complaint

  Date:03/26/2025

  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.

  *** is charging me a fee of $29 monthly due to BCU not being listed on the title of my vehicle. I have been working with *** for several years to get this corrected. Every time I call to have it resolved they come up with a new obstacle to prevent the resolution of this issues. I have cooperated with every request and in November of 2023 they submitted a request to the *** for the title. Months went by and I called to check on the title. *** stated (on every call) that they are waiting on the **** After 6 months they said they would contact the ***. Today, I received an email that I am still being charged a fee of $29 and that they now need a divorce decree. I asked why they needed that if both myself and my ex husband signed the document so they can get the title and it was sent to the ***. I did not receive an answer and was told I couldnt speak to anyone in the title department. I feel the company is creating barriers to obtaining the title for the purposes of continuing to charge the $29 fee monthly. I am asking for ALL $29 fees be credited back to my account and for *** to obtain the title from the *** for their records. I have already submitted all needed documents.

  

  Business Response

  Date: 04/03/2025

  Thank you for bringing this matter to our attention and the opportunity to reach an agreement. Sincerely, BCU. 

  Customer Answer

  Date: 04/03/2025

   
  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.
  
  Sincerely,
  
  ******** ********

• Initial Complaint

  Date:03/21/2025

  Type:Customer Service 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 march 14 2025 I was approved for a checking account and new membership with *** basically for the SECOND TIME. Unfortunately when looking for financial products from credit unions who service the *********** area, *** actually truly does have some of the best rates AND products that I have seen in my city. For that reason, that is why I was expecting equal opportunity to credit as financial institutions should be equal. However this was not the case in this instance. I was only met with cold and rude customer service. Last year I previously had a membership that was a year old but dormant. I then started activity with the account in 2023, with a resulting closing of the account because of a certified money order (cashiers check) which they literally refused to 2 the remitter of the check or the business that wrote it and instead froze my account for more than a week and held the check for more than two weeks before releasing it, at that point I was so emotionally upset that I went to the branch at *************** and withdrew all my money and closed the account and even that day the representatives were just so rude and had me me feel as if i did something wrong, all stemming from my opting out of moving forward with a secured loan application - when asked for a document regarding my residency because i was in the process of moving. This somehow - from the white representative who was also ill informed and didn't know much about the process of what I was inquiring about which was secured loan products, that then turned in to me leaving to only basically almost a week later randomly have my online access frozen with no explanation or call, once i did call they explained it was for the deposited check but then when they just closed my new account days ago they said it was because i refused to give member ship documents. how? I was ALREADY A MEMBER literally with a open functioning account. Some one please help me I wanted access to the credit union to change life.

  

  Business Response

  Date: 03/21/2025

  see attachment

  Customer Answer

  Date: 03/21/2025

   
  Complaint: 23098821
  
  I am rejecting this response because: I have no issue submitting the information but the response is simply not true that is not what happened and it seems BCU is dodging accountability. How can you ask for membership documents AFTER an account had been open with a debit card etc - that is a lie and that is in fact a lie. I just want to say, that was never communicated to me at all only until now a year later, it was made to be about the deposit check for $24,000 that was held excessively. However, I have submitted in this chat the requested document. Yes I would hope that *** is an equal opportunity lender. Thank you for a speedy response and looking forward to having this issue resolved.
  
  Sincerely,
  
  ***** *******

  

  Business Response

  Date: 03/28/2025

  We have completed our investigation. Please see the attached file for more information. *********, ***.

  Customer Answer

  Date: 03/28/2025

   
  Complaint: 23098821
  
  I am rejecting this response because:
  
  The credit unions refusal to be amicable in this situation further illustrates the case of discrimination.
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:03/20/2025

  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.

  I have an auto loan with BC* and it appears they have lost my money order after receiving it certified mail and contacts me daily about ********** appears *** lost a attempting retaliation tactics and BC* refuse to apply my insurance even after sending six times and will not apply my insurance for my auto to my account. According to *** this is costing me an additional 5000 dollars for their CDI even though the insurance was given to them via email six times It appears *** has decided to add late fees from a money order they lost It appears that they wish to harass me for filed a complaint with the regulatory agency and the money order was sent CERTIFIED MAIL *** RET*RNED RECEIPT and the representative from *** states they received the money order but does not know why it wasn't applied. They call me daily for payment but won't send the money order ******* appears that *** has taken funds I applied to my credit card payments and placed the payment on an old post card I closed long ago again the representative on a recorded call states unsure why the funds were applied to the old card on file It appears that *** has changed their hiring criteria and has decided to hire circus monkeys to handle consumers accounts because only circus monkeys could be making these many mistakes .I have reached out to *** several times and nobody documents calls and if your calling after business hours your getting someone that does not speak English and is a third party contracted to take calls apparently our of the * S as sometimes I hear the roosters in the background .This is an awful banking institution attached is proof and if I could record the calls you too would hear the ************ me for damage to my credit report and fraudulent activity as BC* repotted inaccurate amounts monthly to my credit bureau damaging my credit they also had the old credit card that was lost placed back on my credit report so it looked like two credit cards and I only had one

  

  Business Response

  Date: 03/31/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.

• Initial Complaint

  Date:03/17/2025

  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 a victim of identity theft caused by the ************ Breach. These accounts were opened fraudulently and they need to be removed from my credit report immediately.Baxter Credit Union acct#******

  

  Business Response

  Date: 03/25/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.

• Initial Complaint

  Date:02/28/2025

  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 making payments to my credit card but the bank keeps applying the payments to my old deactivated credit card which is making me delinquent and ruin my credit report.This is the second complaint filed the first was the bank kept an old credit card that was deactivated and placed the new one on my credit report and it showed two different credit cards making it look like I had two different accounts

  

  Business Response

  Date: 03/14/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.

• Initial Complaint

  Date:02/21/2025

  Type:Product 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.

  Asked to dispute $25.00 transaction and first time they told me it would be rushed and 5 days, next ****** said 10 days max for disputes, 3rd ****** said ***** days for disputes. Never a straight answer. Then I requested all my accounts closed, including debit card ending in 6012 so that nothing would come through. Now there is another charge for $79 that again I did not authorize as the account should have been closed along with the card the moment I called. **************** is now trying to make me responsible for the $79 and no answer for $25 BEFORE they close my accounts and cards.

• Initial Complaint

  Date:02/21/2025

  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.

  My debit card was closed without my permission. This meant I had absolutely no access to my money. I explained to customer service I was going to be traveling that same day and not having use of my card would mean not being able to pay for my hotel, rental car etc..... The only choses were to wait for a new card to mailed or pay a fee for an expedited card which still take 2 days. With today's technology and the urgent need I'm positive an immediate virtual card could have been issued. Bad business all around. 

  

  Business Response

  Date: 03/04/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.

  Customer Answer

  Date: 03/04/2025

   
  Complaint: 22971770
  
  I am rejecting this response because: I was not offered a digital catd.More over the  card should not be closed without my approval or without a digital option being immediately available. 
  
  Sincerely,
  
  **** ******

  

  Business Response

  Date: 03/07/2025

  Please see the attached file. Thank you for the opportunity to further research this matter. *********, ***.

  Customer Answer

  Date: 03/08/2025

  It shows their unwillingness to do nothing. I will explore all other avenues to cast attention on their practices. I do not consider closed.
  
  Sincerely,
  
  **** ******

• Initial Complaint

  Date:02/17/2025

  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 filing this complaint against Baxter Credit Union for inaccurate credit reporting and failure to follow proper dispute resolution. I settled my account with a third party, January, per Baxter Credit Unions handling of the debt. Despite this, they continue to report negative information, damaging my credit.I paid off my account via January and have proof of payment, yet Baxter Credit Union still reports a negative status. This violates the Fair Credit Reporting Act (FCRA) 1681s-2(a), requiring accurate reporting. Their failure to correct this issue has caused financial harm, including a lower credit score, higher interest rates, and lost credit opportunities.Baxter Credit Unions contract includes an arbitration clause, meaning disputes should have been resolved through arbitration before selling the account. Instead, they transferred the debt without proper resolution, breaching their agreement. I have contacted them multiple times, yet they have failed to correct the reporting.I request Baxter Credit Union immediately remove the inaccurate negative reporting from all credit bureaus and provide written confirmation that my account is paid. If they fail to act within 15 days, I will escalate by filing complaints with the *** and my state ************************ and pursuing legal action under **** 1681n for up to $1,000 per violation plus attorneys ********* ID: 01 MICR Number: **************

  

  Business Response

  Date: 03/04/2025

  We have completed our investigation. Please see the attached file for more information. *********, ***.

  

  Business Response

  Date: 03/05/2025

  We have completed our investigation. Please see the attached file for more information. *********, ***.

• Initial Complaint

  Date:02/14/2025

  Type:Order 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.

  Hello, I have been a customer with *** for some time now and have a checking account, ********************** card, and LOC. My payment history has been exceptional until recently when I was hospitalized with the flu. I was off of work for 3 weeks and unable to work, or care for myself. My checking account went negative mainly due to automatic withdrawals some for less than $5, and I was charged $29 each time. I am asking to please reverse the fees so that I can make my account positive. I have 5 children and a wife and when Im well and working I make well over 6 figures a year. If need be please remove the courtesy payment service so that this wont happen in the future. I can make the account positive today just in this economy every little bit helps.

  

  Business Response

  Date: 02/20/2025

  We have completed our investigation. Please see the attached file for resolution. *********, ***.

  Customer Answer

  Date: 02/20/2025

   
  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.
  
  Sincerely,
  
  ****** ******