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Business Profile

Credit Union

American Heritage Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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American Heritage Federal Credit Union has 4 locations, listed below.

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    Customer Complaints Summary

    • 69 total complaints in the last 3 years.
    • 23 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:12/10/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 and secure credit card and a savings account with American Heritage Credit Union in 02/07/2014. As usual these kind of privileges companies think they can do what they want without any consequences know letter or contact with the customer American Heritage was closing my savings account if that is so, where my funds at from my savings account. I closed my own credit card account due to the fact American Heritage credit Union stop allowing customers with secure credit card from renting cars, I never had a high balance of $898 dollars, the $250 that was on my credit card was mines and I closed my account, so why would American Heritage reporting my account as being on time on 12/09/2023 and then on 12/10/2023 as being 30 days late on 12/2017 5/2017. I would like American Heritage off my credit report since it was open in 02/07/2014 it been over 9 years, American Heritage was suppose to be off my credit card in 2021. I will not have know criminals in any of these offices abuse their authority to do what they want at any time. I fear my God not hate and bullies. Criminals corruption cowards and liars. I would like my $15 dollars that keeps my saving account open.

      Customer Answer

      Date: 01/07/2024

      I’ve been trying to send more evidence, I couldn’t upload anymore documents. I also know this is the Government I’m filing a complaint against, due to this being a federal credit union. They’re not above the law nor God, I just sent this complaint yesterday 01/05/2024 so how did BBB reach out to American Heritage Credit Union that fast. I actually like BBB, know matter who it is they shouldn’t be out here discriminating stealing lying to the people that keep these businesses operating. I’ll never support this kind of companies neither will my family and friends! This happens to the poor people, so the mission is to turn the bad hateful rich people into poor people that’s the mission, I have the resources to do so. The Government runs the credit reporting as well as everything else that’s bad in this country It’s not about what I know it’s about what I can prove to the world. I’m tired and fed up with the controlling the racism the lies and the corruption conspiracies, while they hide under the rock destroying GOD people and his country, I pray everyday he come back and handle these devils, if the people didn’t have BBB the country will be loss, our stories want be told, thank you BBB from my family and friends.

    • Initial Complaint

      Date:12/07/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 a car note from there. I had to have direct deposit to receive the loan. I have ** and the CU had to transfer ** to the loan each week. That's been happening for years, suddenly the rules have changed. If they cannot take the whole amount left to finish a month, they do nothing and then I run past due. They tell me I can transfer the funds myself online. So i am behind because they have not transferred two weeks of ** to said loan. So i tried to transfer myself and it would not let me. I called CU and they said it must be the full $321 before they can transfer it over not the $249 that is in the account. I said I tried to transfer the amount and they said I can't transfer the monies either unless it is the full amount. I am NOT walking away from my commitment, however, I SHOULD BE ABLE TO TRANSFER FUNDS AT ANY TIME. I have never encountered a bank or CU refusing to accept a payment on a credit card or loan. So, since they refused payment or my transfer attempt, my loan is even further behind until my pay goes in the account on 12/8/2023 and they transfer the next day.

    • Initial Complaint

      Date:11/30/2023

      Type:Order Issues
      Status:
      Unanswered
      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 not liable for this debt with AMERICAN HERITAGE FCU. I do not have a contract with AMERICAN HERITAGE FCU. They did not provide me with the original contract as I requested.

    • Initial Complaint

      Date:11/05/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 accidentally missed a payment one month on my auto loan. When I realized my mistake the very next month, I made a double payment to be current. Less than 4 weeks later, I noticed a huge dip in my credit scores. They reported this the the credit agencies without ever emailing or calling me to report the missed payment. I feel this is horrible customer service.

    • Initial Complaint

      Date:10/19/2023

      Type:Order Issues
      Status:
      Unanswered
      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 refinanced my Vehicle through American Heritage Credit Union about 3 months ago. I provided all information asked of me including proof of insurance. After I signed the loan they kept asking for proof of coverage, which included AHCU  being the lien holder. About a month ago they added about $8800 to my loan for not having insurance. I have sent them proof 4 times now and when I call I get the run around. Nobody will return calls or emails. Unfortunately now I'm forced to find legal representation to clear this matter up. This company is definitely trying to scam me. Buyer beware if thinking of doing business with this company.

    • Initial Complaint

      Date:10/03/2023

      Type:Billing Issues
      Status:
      Unanswered
      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, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. COMPANY NAME AMER HER FCU ACCT #: ************* BAL. $193 Under the Fair Credit Reporting Act, 15 U.S.C. § 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please don’t respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611(a)(5)(A)(i). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

    • Initial Complaint

      Date:09/05/2023

      Type:Sales and Advertising Issues
      Status:
      Unanswered
      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 3/27/2023, 6/29/2023, and 7/21/2023, my husband and I received mail from American Heritage Credit Union (AHCU) addressed to "***********************." On each of the aforementioned dates, I emailed AHCU to remove that name and address from AHCU's marketing company's advertising mailing list because no one by that name lives at our address, nor do we wish to receive advertising mail from AHCU.In spite of these 3 communications, **** did not comply with my request and today, 9/5/2023, we received more mail from them addressed to "***********************."

    • Initial Complaint

      Date:08/11/2023

      Type:Service or Repair Issues
      Status:
      Unanswered
      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.
      American Heritage ran a hard inquiry in my name without my authorization. I want it removed or show me the paper I signed for them to run my credit ? I have ****** *** **** credit union why would I have them run anything in my name. I want it removed

    • Initial Complaint

      Date:08/02/2023

      Type:Billing Issues
      Status:
      Unanswered
      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 recently checked my credit report and found some inaccuracies. The Fair Credit Reporting Act (FCRA) is a federal law that promotes the accuracy,fairness, and privacy of information in the files of consumer reporting agencies (CRAs). CRAs are companies that collect and maintain consumer information, which is then used to produce consumer reports.

    • Initial Complaint

      Date:08/01/2023

      Type:Customer Service Issues
      Status:
      Unanswered
      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 asked this company multiple times to stop mailing me, and yet they persist.

    American Heritage Federal Credit Union is NOT a BBB Accredited Business.

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