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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.

    Sort by

    Complaint status

    Complaint type

    • Initial Complaint

      Date:07/10/2023

      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.
      On June 2022, I purchased a car through *************** and started financing through American Heritage Credit Union. From the beginning there was no way to see an account for this loan other than a link to make payments through. American credit union sent me a letter in August telling me that I had to pay $592 more than what my loan was for due to not having the insurance coverage that they required. I attempted getting more information from them and it was extremely difficult, the only thing they said was that they provided me the coverage necessary for the three weeks. I explained that I never agreed to that and I thought $592 was significant amount for three weeks worth of coverage when I did have car insurance. The payments were spread out and added to my monthly payments. There was an extra $51.14 added to my monthly payments, which changed from $469.83 to $520.97. I paid this 8 times which would mean that I paid $409.12 from the $592 they were charging for insurance coverage which by the way I never even saw a copy of the policy coverage. I was involved in a car accident in March and my car was a total loss. My car insurance issued a payment of $23,208.04 which left a remainder of $6,126.10. GAP inside claim was filed and approved for $5,247.12, they excluded $592 that were still being charged as insurance coverage. I have tried speaking with American Heritage representatives since March because they have been reporting miss payments to my account causing damage to my Credit History. After telling them that I would be contacting the BBB because of their lack of communication and documentation they gave me access to a customer account so that I could see my past history payments. This has caused me a great deal of stress, I do not believe that their charges are valid. I would like help in this matter because this company has taken a lot of money from me and damaged my credit history as well. Thank you in advance for any help you can provide.

    • Initial Complaint

      Date:07/08/2023

      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.
      This company is furnishing inaccurate information to the consumer credit bureaus (**********, *******, ********, etc.) I’ve contacted this company several times about this alleged account. Several of their representatives have informed me that no such account exists. I’ve asked them to remove this account. They have told me through mail that they will not remove it and that the account is accurate. Which I’ve shown them proof that it is not. I’ve asked them to mail me verification of this account belonging to me. They have not mailed me such proof, not even an account statement.

    • Initial Complaint

      Date:06/09/2023

      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.
      I filed a complaint with American heritage bank for a refund for a flight I never took . as well as ******** airline not having proper customer service and I never received my refund of $256.96 . The bank is use less and lets their customers get taken advantage of by businesses that aren't being ran properly

    • Initial Complaint

      Date:06/09/2023

      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’m not liable for this debt with American Heritage I do not have a contract with American Heritage they did not and could not provide me with the original contract as requested or anything bearing my signature

    • Initial Complaint

      Date:05/11/2023

      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.
      According to the IRS Law, even if you did not receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS defines a Charge-off as gross or ordinary income, and it is a fact that income does not get reported on the consumer report. Here are other consumer laws that support my case in my favor: 15 U.S Code 1692g(b), 15 USC 6802, 5 USC 552(a), 15 U.S Code 6801, 15 U.S. Code 6802, and 15 USC 1681i(5). I've contacted American Heritage Credit Union several times asking them to validate the debt; I gave them over 2 consecutive months to communicate with me about the issues and they failed to do so. This charge-off is affecting my credit score tremendously, which is creating other financial burdens and preventing me from having other successful opportunities like; buying a house, purchasing a car, etc. I would love to settle this issue so that I can move forward with my life.

    • Initial Complaint

      Date:04/26/2023

      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 noticed I had late payments from AMERICAN HERITAGE FCU on my credit report. During these months I did not receive anything stating I was late. As you can see, majority of my payments have been on time so I am requesting the removal of these late payments from my account. I am trying to increase my score to purchase a home and would greatly appreciate if you guys can submit a request to the credit reporting agencies to remove the late payments.

    • Initial Complaint

      Date:02/06/2023

      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.
      Thursday, February 2, 2023 @ approximately 7pm Est.I attempted to deposit over $700 into my bank account utilizing an American Heritage Federal Credit Union located ATM inside of the Shoprite Supermarket when the machine malfunctioned after taking my money. The machine stated that there was an error and that the transaction was canceled without returning my money. I then, contacted the bank and filed a claim. As of this date there has been no resolution to this claim and now I'm being assessed late fees on bills due to this error. An attempt to receive a credit line to assist in keeping my bills current was denied by the credit union.

    • Initial Complaint

      Date:01/31/2023

      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.
      On 01/31/2023, I reached out to American Heritage Federal Credit Union's CEO via email. I was attempting to have an unauthorized inquiry removed from my credit report, the email is attached. I received a phone call from an employee of American Heritage who stated that the inquiry came from some third party lending company does that refinances for auto loans and that they would be unable to remove it because it is a valid inquiry. I'm just confused because the only person who can validate that inquiry is me, the consumer. I never applied for credit with American Heritage or this third party lending company and there is no application or form bearing my signature giving American Heritage FCU or the lending company authorization to view my credit report. I also explained that I have an active fraud alert on my credit report and per 15 USC 1681c-1, the consumer is to be contacted to verify their identity and to verify that they are in fact the one making an application for credit. Refusal to remove this inquiry after I've informed you that it is fraudulent could be constituted as willful non-compliance and you can be held liable for statutory damages. I'm just asking for the inquiry to be removed from my report.

    • Initial Complaint

      Date:01/15/2023

      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 requested 2 months ago to have the GAP INSURANCE on my auto loan to be removed and my payments be lower, but to no avail have I have not received the credit. I spoke to ******** *******, *******, ******* and ******* ###-###-####. I was also told to e-mail which I did several times to the company as well contacted GAP cancellation ###-###-####. I I have a loan for a 2020 ******* **** loan *******

    • Initial Complaint

      Date:12/16/2022

      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.
      I closed out all of my accounts in early January and was told by the representative I was working with, *******************************, that I would receive the remaining funds by check within 7-10 business days. I never received the check so I reached out to ******** nearly a month later and she confirmed that the check was not cashed, and said that I had to complete a declaration of loss form and mail it back (snail mail). I thought the ask was ridiculous, especially given the fact that they could have voided the check and reissued it, or at the very least given a way to complete the form online. But that's been typical of my experience with AMHFCU. It's now over a month later (over two months since I closed my account), and I have heard nothing. I want the company to expedite my check and include tracking info this time.

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

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