BBB Business Review

BBB Accredited Business since 10/24/2007

Altra Federal Credit Union

Find a Location

(931) 920-6513View Additional Phone Numbers1600 Madison St, ClarksvilleTN 37043-4911 Send email to Altra Federal Credit Union

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This company offers financial services.

BBB Accreditation

A BBB Accredited Business since 10/24/2007

BBB has determined that Altra Federal Credit Union meets BBB accreditation standards, which include a commitment to make a good faith effort to resolve any consumer complaints. BBB Accredited Businesses pay a fee for accreditation review/monitoring and for support of BBB services to the public.

BBB accreditation does not mean that the business' products or services have been evaluated or endorsed by BBB, or that BBB has made a determination as to the business' product quality or competency in performing services.

Reason for Rating

BBB rating is based on 13 factors. Get the details about the factors considered.

Factors that raised Altra Federal Credit Union's rating include:

  • Length of time business has been operating.
  • Complaint volume filed with BBB for business of this size.
  • Response to 1 complaint(s) filed against business.
  • Resolution of complaint(s) filed against business.

Customer Complaints SummaryRead complaint details

1 complaint closed with BBB in last 3 years | 0 closed in last 12 months
Complaint TypeTotal Closed Complaints
Billing / Collection Issues1
Advertising / Sales Issues0
Problems with Product / Service0
Delivery Issues0
Guarantee / Warranty Issues0
Total Closed Complaints 1

Customer Reviews Summary Read customer reviews

1 Customer Review Customer Reviews on Altra Federal Credit Union

Customer Experience Total Customer Reviews
Positive Experience 1
Neutral Experience 0
Negative Experience 0
Total Customer Reviews 1 Customer Review

Complaint Breakdown by ResolutionAbout Complaint Details

Complaint Resolution Log (1)
08/26/2013Billing / Collection Issues | Read Complaint Details

Has repeatedly overdrawn my account for 'non sufficient fund fees' for debits or 'bill payments' that have NOT occurred or been authorized.
-32.00 -90.51
Electronic Transaction
-2.54 -58.51
Electronic Transaction
-10.03 -55.97
-32.00 -45.94
-32.00 -13.94
Electronic Transaction
-16.40 18.06

Repeated processing of 'NSF FEE CAPITAL ONE' for a via 'bill pay' that is DISABLED on my account. Fee seems to originate from no where, customer service argues.
Subsequent USAA fees are unauthorized and there is no purchase made... why are there fees?

Exact copy of bank account ledger above.

Make Payments
Pay someone new: Add
Pay To
Send On
Showactive payees only sorted byname

You cannot make a payment until you have an approved funding account.
Capital One Credit Card, *1090 $ Pay
Last paid: $21.98 on 05/24/2013
Set up: e-bill reminder autopay

Print Confirmation
Pending Payments
SendPay ToAmount
No payments are pending.
Last 5 Processed Payments
SentPaid ToAmount
No payments have processed.
Expedited Payments
Your last-minute payment solution
What is an expedited payment?
Bill payment ledger is above.

Desired Settlement
I would like the fees to be removed as they are false, and I would like my positive balance refunded and the account closed.

Business' Initial Response
Altra attempted to return a call to Mr. ***** on 5/28/2013. Altra refunded NSF fee as courtesy on 5/28/13, removed ODP privelage and notified member if any future items try to clear and account is non sufficient items will be returned. Spoke to Mr. ***** on 6/5/13 & 6/14/13, left msg for return call on 6/18/13 again on 6/21/13. He didn't have time to talk so he would call back. He called on 6/21/2013 and we informed him if no deposit was made seven day continuous OD Fee would be charged. On 6/24/2013 Mr. ***** calls back, we explain that bill pay is initiated by the account holder if it is unauthorized he needs to file police report and submit a copy to Altra to consider refund of fees. He hung up on the Altra employee. 6/24/2013 - Altra called Mr. ***** back with an offer to refund partial fees if he brings in the settlement amount. He didn't respond. Account was closed. Fees owed.

Additional Information

BBB file opened: 12/04/2001Business started: 01/01/1931Business started locally: 01/01/2002
Licensing, Bonding or Registration

This company is in an industry that may require licensing, bonding or registration in order to lawfully do business. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.

Type of Entity


Incorporated: October 1931, WI

Contact Information
Principal: Mr Jack Peplinski (President/CEO)Customer Contact: Ms. Rose Melton (Branch Manager)Mr. James Satterfield
Business Category

Credit Unions, Mortgage Brokers

Industry Tips
Credit Unions
Mortgage Loans

Customer Review Rating plus BBB Rating Summary

Altra Federal Credit Union has received 5.00 out of 5 stars based on 1 Customer Review and a BBB Rating of A+.

BBB Customer Review Rating plus BBB Rating Overview

Map & Directions

Map & Directions

Address for Altra Federal Credit Union

1600 Madison St

Clarksville, TN 37043-4911

To | From


2 Locations

  • 1600 Madison St 

    Clarksville, TN 37043-4911(800) 755-0055

  • 184 Stone Container Dr 

    Clarksville, TN 37040-5025

Industry Comparison ChartX

The information in the table below represents an industry comparison of businesses which are of the same relative size. This is based on BBB's database of businesses located in 45 counties in MiddleTennessee and Southern Kentucky. Businesses may engage in more than one type of business. The percent of time the business engages in a type of business is not accounted for. There is no known industry standard for the number of complaints a business can expect. The volume of business and number of transactions may have a bearing on the number of complaints received by BBB.

*Altra Federal Credit Union is in this range.


Types of Complaints Handled by BBB

BBB handles the following types of complaints between businesses and their customers so long as they are not, or have not been, litigated:

  • Advertising or Sales
  • Billing or Collection
  • Problems with Products or Services
  • Delivery
  • Guarantee or Warranty

We do not handle workplace disputes, discrimination claims or claims about the quality of health or legal services.


Additional Phone Numbers

  • (800) 755-0055

BBB Complaint Process

Your complaint will be forwarded to the company within two business days. The company will be asked to respond within 14 days, and if a response is not received, a second request will be made. You will be notified of the company's response when we receive it (or notified that we received no response). Complaints are usually closed within 30 business days.


BBB began including complaint response text in BBB Business Reviews on July 1, 2013. BBB reports the complaint response text for all reportable complaints against a business that are received electronically.


Industry Tips for Credit Unions

Credit Unions
Mortgage Loans

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What government actions does BBB report on?

BBB reports on known government actions that are relevant to the business's marketplace dealings with the public.


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BBB Customer Review Rating plus BBB Rating Overview

BBB Customer Reviews Rating represents the customers opinions of the business. The Customer Review Rating is based on the number of positive, neutral and negative customer reviews posted that are calculated to produce a score.

Customer Review Experience Value
Positive Review 5 points per review
Neutral Review 3 points per review
Negative Review 1 point per review

BBB letter grades represent the BBB's opinion of the business. The BBB grade is based on BBB file information about the business. In some cases, a business' grade may be lowered if the BBB does not have sufficient information about the business despite BBB requests for that information from the business.

BBB Letter Grade Scale

BBB Rating Value
A+ 5
A 4.66
A- 4.33
B+ 4
B 3.66
B- 3.33
C+ 3
C 2.66
C- 2.33
D+ 2
D 1.66
D- 1.33
F 1
NR -----
Star Rating scale

  Average Score
5 stars 5.00
4.5 stars 4.50-4.99
4 stars 4.00-4.49
3.5 stars 3.50-3.99
3 stars 3.00-3.49
2.5 stars 2.50-2.99
2 stars 2.00-2.49
1.5 stars 1.50-1.99
1 star 0-1.49

BBB Customer Review Rating plus BBB Rating is not a guarantee of a business' reliability or performance, and BBB recommends that consumers consider a business' BBB Rating and Customer Review Rating in addition to all other available information about the business. If the BBB Rating is NR then only Customer Reviews are used for the Star Rating.

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BBB Reporting Policy

As a matter of policy, BBB does not endorse any product, service or business.

BBB Business Reviews are provided solely to assist you in exercising your own best judgment. Information in this BBB Business Review is believed reliable but not guaranteed as to accuracy.

BBB Business Reviews generally cover a three-year reporting period. BBB Business Reviews are subject to change at any time.