This Business Is Not BBB Accredited

EPB Employees Credit Union

EPB Employees Credit Union

(423) 648-3413

EPB Employees Credit Union

63 years in business
1500 McCallie Avenue
Chattanooga, TN 37404
BBB File Opened: 07/07/1997
Business Started: 04/01/1954
Business Started Locally: 04/01/1954
Business Management
  • Mr. Brian Trotter, President
Business Category
  • Credit Unions
Additional Information
  • Once a consumer receives the post card, they contact the company on a toll free line to answer qualifying questions. The consumer is explained the Earn a Bank Card information, its process, and how they eventually obtain a Visa. At no point are the...
  • Once a consumer receives the post card, they contact the company on a toll free line to answer qualifying questions. The consumer is explained the Earn a Bank Card information, its process, and how they eventually obtain a Visa. At no point are they guaranteed a specific credit line on the Visa. They inform the consumer that there is a one time processing fee of $199.95. After the consumer agrees to that, ACS then obtains the consumers account numbers and sets up a day in which the consumer feels the money can be withdrawn from their bank account. The consumer is explained the refund policy in the initial call. This policy states that if, after receiving the benefit package, it does not clearly state everything talked about on the initial sales call; the consumer is entitled to a full refund within 30 days of receipt of the package. If the consumer wishes to cancel they can call the customer service line 48 hours prior to the date they agreed to have the funds withdrawn from their account. The Robbins Law firm has filed suit in Polk County Florida against American Credit Solutions. If anyone is interested in participating in this law suit, go on line at www.jcrobbins.com/acslawsuit.html and fill out the form to join the lawsuit. There will be no charge to the consumer who participates. If the consumer does not have access to the internet we will send a copy of the short form to them.

Products & Services
This company sends post cards to consumers letting them know they have been pre-approved for a $4000 unsecured credit card. When the consumer responds to the card, the company indicates to the consumer that the company's program is an Earn a Bank Card program. The consumers order from their catalog, by charging $99, and making three payments on time, they are then guaranteed a visa.
Licensing, Bonding or Registration
This business is in an industry that may require professional licensing, bonding or registration. BBB encourages you to check with the appropriate agency to be certain any requirements are currently being met.
Number of Employees: 
6

A+

BBB Reason for Ratings

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

The complaints indicate the consumers received the post cards stating they have a pre-approved credit card waiting to be sent to them. Upon payment, the consumers claim they do not receive the promised credit card, but rather a merchants card with a catalog to purchase from. The company has a pattern of unresolved complaints.

Licensing information is provided in the BBB Business Profiles to inform the public about industries that may require professional licensing, bonding, or registration. Better Business Bureau encourages you to check with the appropriate agency to be certain any requirements are currently being met.
BBB promotes truth in advertising by contacting advertisers whose claims conflict with the BBB Code of Advertising. These claims come to our attention from our internal review of advertising, consumer complaints and competitor challenges. BBB asks advertisers to substantiate their claims, change ads to make offers more clear to consumers, and remove misleading or deceptive statements.
BBB reports on known significant government actions involving the business's marketplace conduct.
BBB reports on a company that is out of business for three years from the date the company closes its doors or ceases to do business.
BBB reports on unauthorized use of the Better Business Bureau's name and/or logo for as long as the business continues to use it in any advertising, or for one year after the business ceases any repeated unauthorized uses.
BBB reports on a business’s bankruptcy as long as the business remains in bankruptcy.
BBB reports when mail sent to the business was returned by the Postal Service.

EPB Employees Credit Union

This Business Is Not BBB Accredited

EPB Employees Credit Union

Customer Review Rating:

100%

Composite Score: