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Business Profile

Credit Union

A+ Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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A+ Federal Credit Union has 17 locations, listed below.

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    Customer Complaints Summary

    • 28 total complaints in the last 3 years.
    • 6 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:05/20/2025

      Type:Billing Issues
      Status:
      Answered
      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 writing to inform you of fraudulent accounts opened in my name. I am a victim of identity theft and did not authorize these accounts. Below are the details of the accounts related to this issue:APLUSFCU, Opened 6/1/2018, Account Number: *****************, Balance: $106.00 APLUSFCU, Opened 8/7/2018, Account Number: **********, Balance: $500.00 I kindly request that you investigate these accounts, close any fraudulent accounts immediately, and remove any negative information associated with them from my credit report. Please confirm the actions taken and provide any relevant documentation regarding the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 05/23/2025

      In response to the member disputing the validity of the accounts opened under their name and credit reporting related to these accounts, our A+*** team reviewed the relevant records and verified that the accounts were valid and information reported to credit bureaus for the accounts was accurate. The phone number provided with this feedback is missing a digit.However, an A+*** team leader was able to contact the member using another phone number from our records. During the call, the member confirmed their identity and as the A+*** team leader began to discuss the situation, the member quickly hung up. We recommend the member contact us at ************ with any additional questions or further assistance regarding the accounts or ********************** reporting.

    • Initial Complaint

      Date:04/21/2025

      Type:Product Issues
      Status:
      Answered
      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 want to know where my money has gone

      Business Response

      Date: 05/01/2025

      In response to the members feedback, our A+*** team contacted the member by phone to obtain more information about the complaint. During that conversation we reviewed the recent transactions that have cleared the account and our member confirmed they were valid. Additionally, we emailed a copy of the transaction history and current balance to our member for their records. Our member expressed concerns about automated text alerts theyve received over the past few months relating to their debit card. An A+*** leader also tried to reach the member directly by phone to discuss the text alerts and left a voicemail along with an email, but at this time, we havent heard back.

    • Initial Complaint

      Date:03/26/2025

      Type:Billing Issues
      Status:
      Answered
      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 writing to formally dispute the account referenced under account number ********* that appears on my ********************** report. This account was opened without my authorization and constitutes fraudulent activity. I have no recollection of applying for or consenting to any agreement with ******** Under 15 USC 1692g (Validation of Debts), you are required to provide verification of the debt or a copy of the judgment if I notify you in writing within *************************************************** documentation proving that I consented to this account. Without a valid, legally binding agreement bearing my signature, there is no basis for this account to exist under my name.Since this account was established fraudulently, I request its immediate removal from my credit report and that any collection activity cease. If you cannot provide proper validation within 30 days, you are required to delete this account from my record and stop further collection efforts.Please confirm receipt of this letter and notify me of the next steps to resolve this matter.

      Business Response

      Date: 03/28/2025

      In response to the member disputing the validity of the credit reporting related to their account, our A+*** team reviewed the relevant records and verified that the information reported to credit bureaus for the account was accurate. We recommend the member contact us at ************ with any additional questions or further assistance regarding credit reporting.

    • Initial Complaint

      Date:03/11/2025

      Type:Product Issues
      Status:
      Answered
      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 totaled my car June 24 , signed the title over to progressive in July , got a refund for cpi insurance for 3.7k, in December they added back 6.7k why? I been calling for the past 3 months , I disputed multiples times and was approved for the dispute and nothing has changed, currently being on hold in the last hour trying to get this done , Im sick of this someone needs to take that off my account right now , that is hurting my credit and I was told it would take 10 days I gave you 3 months , do something about it. Now Im being told the refund should have never hit my account and now my balance is more than expected I had 973 left on my account now its 5k like how

      Business Response

      Date: 03/14/2025

      Our A+*** team reviewed the members complaint and related details. We confirmed there was a billing issue and have now made the appropriate corrections to our members loan and credit reporting data as requested. An A+ team leader spoke with the member by phone, confirmed that all issues from the complaint have been addressed, and provided a direct phone number for future follow up questions. We believe the matter has been resolved to the members satisfaction.

    • Initial Complaint

      Date:10/07/2024

      Type:Service or Repair Issues
      Status:
      Resolved
      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.
      What the nature of the dispute is the bank locked my account while I was in hospital didnt inform me. I have now tried for over 2mths. To close or open account they make me answer questions to verify and then they dont do anything I have done all they ask me to do take picture and signature still no resolution. I am 72 yrs. Old I live off of SS and husbands retirement I have no money they locked it up I need help.

      Customer Answer

      Date: 10/11/2024

      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.

      Regards,

      **** *********

    • Initial Complaint

      Date:09/20/2024

      Type:Billing Issues
      Status:
      Answered
      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.
      Money taken from my account that was not authorize. They will not take responsibility for their mistakes.

      Business Response

      Date: 09/27/2024

      In response to the members feedback, our A+*** team researched the situation and confirmed these funds should not have been debited from the members account by the merchant. The issue has now been corrected by crediting the entire amount back to the account. Additionally, to avoid this occurring again in the future, a stop payment has been placed on the members account for this merchant. An A+*** team member contacted the member by phone to inform the member of the resolution. We appreciate the member reaching out to us and bringing this to our attention.

    • Initial Complaint

      Date:07/15/2024

      Type:Billing Issues
      Status:
      Answered
      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 writing to file a complaint regarding the validation of a debt on my consumer credit report. Despite multiple attempts to seek proof of validation, your company has failed to provide any evidence regarding a debt that does not belong to me. Furthermore, you have furnished this alleged debt on my consumer report and failed to validate the claim pursuant to Sec. 809(b) of the Fair Debt Collection Practices Act.As a consumer, I have a right to privacy and protection from inaccurate reporting on my credit report. Your company's actions have not only violated my right to privacy but also the permissible purpose of providing accurate information to consumer reporting agencies. According to 609(a)(1)(A), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report.I demand that this item be removed from my credit report immediately as it is furnishing inaccurate and incorrect information to the consumer reporting agencies. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and house purposes. Your inaccurate reporting has also damaged my livelihood.According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies, furnishers have a duty to provide accurate information. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.The *** clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By definition, The *** Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is inaccurate.Ref#: *****************

      Business Response

      Date: 07/24/2024

      In response to the member feedback disputing the validity of the credit reporting on their account, our A+FCU team reviewed the relevant records and verified that the information reported to credit bureaus for the account was accurate. We recommend the member contact us at ************ or ************ for any additional questions or further assistance regarding credit reporting.

    • Initial Complaint

      Date:06/17/2024

      Type:Service or Repair Issues
      Status:
      Answered
      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 Monday, April 8th at 9:28 am I received a text alert from A Plus Federal Credit Union that there was suspicious activity on my **** Debit Card. This prompted me to check my online account where I discovered 2 pending transactions with VA DMV ($490) as well as ******************** ($180.04). I then replied immediately to the text received from A Plus to confirm that I did not authorize these two transactions. When speaking with the customer service rep, I was advised that two more transactions were also attempted with Wayfair and BKG Hotel at Booking.com. However, those transactions were declined. Per the advice of A Plus, I canceled my card immediately and contacted the dispute department to begin the process of recovering the total $670 debited from my account. By the end of April, I was advised that my claim was declined, but was not advised why. I then requested to have the case reopened and escalated and again it was declined without explanation. I made a 3rd attempt to escalate my concerns and it was then I was advised that since my address was associated with the transactions, they were considered legitimate and that I'd need to contact VA DMV and ******************** to dispute the transactions. On that same call I requested documentation showing proof of how they were able to conclude that I was liable for the 2 transactions I wasn't even aware of until A Plus notified me. Almost a month later, I still have no documents from A Plus Federal Credit Union. I called again today, Monday June 17th, to make another request and was told to call back in 5 business days if I still haven't received anything. I've been a member of A Plus since beginning my teaching career in 2013 and have never had an issue like this before.I am asking that A Plus make me whole by returning the funds that were fraudulently taken from my account. If not, I need documentation immediately showing how it was determined that these charges were not fraudulent.

      Business Response

      Date: 06/24/2024

      In response to the feedback, additional research was conducted by our A+FCU team and it was determined that the debit card activity was fraudulent. As the member requested, weve now credited the account for the amounts that were withdrawn. An A+FCU team leader called the member to provide this update and also informed the member about tools we offer to help monitor and prevent suspicious activity in the future. We appreciate the member reaching out to us regarding this situation and hope the matter has been resolved to the members satisfaction.

    • Initial Complaint

      Date:05/29/2024

      Type:Product Issues
      Status:
      Answered
      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 exhibited unprofessional behavior for reimbursement for a federal tax return in regards to account management and mismanagement of multiple individuals time and resources while trying to reimburse a standard federal tax return check. We received indirect, unprofessional emails from automated email accounts, denying approval for reimbursement check deposit after prior documentation clearly stated that all parties have been accounted for with signed, completed banking documentation with no further barriers to completing reimbursement. Despite receiving multiple emails suggesting all required documentation has been completed, all of our requests for reimbursement continued to be denied, being received by automated and impersonal representatives who continuously deferred management and troubleshooting to the next conversation. As a consumer, it is hard to fathom my personal credit union would be deliberately making multiple attempts to prohibit me from accessing my own finances, particularly when we had received multiple emails from the institution, suggesting that all of the documentation and signatures required were satisfied. My largest grievance is the impersonal human resources provided by this company, particularly as a pertains to the circuitous route of reimbursing and accessing my own finances. I would not expect this kind of behavior from a non-public credit union.

      Business Response

      Date: 06/04/2024

      In response to the members feedback, our A+FCU team would like to resolve this after researching the situation and identifying that the issue appears to be due to a system error. The check can be rescanned as long as it hasnt been negotiated at another financial institution. In order to proceed with the recommended resolution, two A+FCU team members have each tried reaching the member by phone but have been unable to make contact. A direct extension to the appropriate A+FCU department was provided in the voicemails and an email was also sent to the member. Were waiting to hear back from the member.

    • Initial Complaint

      Date:05/21/2024

      Type:Billing Issues
      Status:
      Resolved
      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 mortgage division is escrowing my payments for insurance and taxes. It is my understanding this should be an automatic transaction for them to initiate the payment to the provider/county. So far we have had three 3 payments from our escrow to pay our taxes once and insurance twice. They have yet send payment without us prompting the payment to be sent. These payments have been paid in advance of the due date. My insurance is currently in default and in a canceled status. We have tried emailing and calling without any response. In order to get our insurance paid. Once I threaten to Complain they finally respond. And advised the invoice needed to be sent to a different PO Box. The invoice was sent to *****************************. I was able to verify this as a valid PO Box per A+ web site. This should have been sufficient notice. If I sent an invoice to a valid address you should not be allowed to say it was sent to the wrong address. The address that was provided as the correct address is not on their web site. Also, for escrow items there should be paid according to my escrow terms and not where an invoice was received. This should be automatic processed annually whether invoice is received or not. Also, my regular monthly payment are sent from my bank to be received no later than the 1st and the 15th. These payments are taking 5 to 8 days past these previous dates to post to my account . I have asked multiple times how these can be sent to be posted in a More timely manner. They were not able to advise a faster method.

      Business Response

      Date: 05/30/2024

      We apologize as our goal at A+ Federal Credit Union is to provide a high level of service to our members. In response to this situation, an A+FCU team member reached out directly to the member to inform them of the various actions taken to resolve the issues mentioned. Resolution included a stop payment being placed on the original check and then sending a new check out via ****** The insurance company confirmed that there will not be any lapse in coverage and noted on the policy that a new check is being sent.After explaining the steps taken, our team member asked if there was anything else the member needed assistance with and the member stated they had no further questions at this time.

      Customer Answer

      Date: 05/30/2024

      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.

      Regards,

      ***********************

    A+ Federal Credit Union is NOT a BBB Accredited Business.

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