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Business Profile

Credit Union

Atlanta Postal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Atlanta Postal Credit Union has 2 locations, listed below.

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    Customer Complaints Summary

    • 31 total complaints in the last 3 years.
    • 12 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:06/17/2025

      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 filing this formal complaint against Atlanta Post and Atlanta Postal Credit for including unauthorized and fraudulent accounts on my ********************** report. These accounts, listed below, were opened without my consent or authorization and are negatively impacting my credit profile.Unauthorized Account Details:Account Name: ********************** POST,_Account Number: *****************,_Open Date: 10/24/2022 .Account Name: ***************************************************************************** Number: 3****,_Open Date: 10/01/2022 .Issue:Upon reviewing my credit report, I discovered these two unauthorized accounts that do not belong to me. I did not open any accounts with ******************** Post or Atlanta Postal Credit, nor did I authorize any transactions or agreements associated with these accounts. The appearance of these fraudulent accounts on my ********************** report is severely damaging my credit score and financial standing.These fraudulent accounts appear to be a direct result of the 2017 ************ Breach, where my personal information was compromised. I suspect that my personal details were used by unauthorized parties to open these accounts without my consent. This situation is causing me significant stress and financial harm, and I seek a prompt resolution.Request:I am requesting that Atlanta Post and Atlanta Postal Credit:1. Investigate these fraudulent accounts immediately.2. Provide proof of any documents or agreements related to these accounts.3. Permanently remove these unauthorized accounts from my ********************** report.4. Provide confirmation of the removal in writing.These unauthorized accounts are causing significant damage to my credit report, and I am seeking your assistance in facilitating the removal of these negative entries. I request a timely resolution of this matter to prevent any further harm to my financial well-being.

      Business Response

      Date: 06/17/2025

      Thank you for reaching out to us.  We will begin an immediate investigation regarding this matter.

    • Initial Complaint

      Date:06/07/2025

      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.
      This complaint involves the unmoral and illegal lending practices of APCU/Center Parc. - I received a car loan (fixed rate of approx. 7%) from them in Nov. 2024 in the amount of approx. $23,500 and have made monthly payments.- As of June, my loan balance now reflects a balance of approx. $24,500. With a fixed rate loan the balance should not increase after payments. - **** has also tried to force me to pay into their insurance, which is an additional approx. $1,000. - Georgia law grants lenders the ability to request "forced place insurance" only if they have a "reasonable basis" that the borrower will lapse in insurance coverage. My insurance coverage has never lapsed in the 30 years I have received auto lending from APCU.- With this "force placed insurance" APCU/Center Parc has added this additional payment to my monthly loan payment (not as a separate payment)- I have refused to pay the additional "forced placed insurance" and APCU has filed notice that my loan is past due (although I have made regular payments of the original signed loan and agreed upon monthly payments)- APCU/Center Parc has never sent statements detailing the loan payments, due dates, loan balance or even the itemized breakdown of the adjusted payments based on their "force placed insurance". - They just send notices stating my loan is over 60 days past due at a payment several hundred dollars higher than my contracted payments.- APCU/Center Parc's unethical lending practices has now affected my credit, which needs to be corrected due to this issue.- I also request that APCU/ Center Parc cease the "force placed insurance" they have placed on my account and revert to the original contract payments.

      Business Response

      Date: 06/09/2025

      For privacy reasons we cannot address this issue in a public forum; however, we will reach out to the member individually to resolve this issue.  Thank you.

      Customer Answer

      Date: 06/13/2025

       
      Complaint: 23437806

      I am rejecting this response because:

      There was no effort by APCU/Center Parc to communicate with me about the issues I brought forth. No representative from the entity bothered to reach out to discuss anything. 


      Sincerely,

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

      Business Response

      Date: 06/16/2025

      We received your complaint on Tuesday 6/10 and completed our review of the matter late on Friday.  I did call and leave a voicemail for you this morning and look forward to speaking with you.

      Customer Answer

      Date: 07/07/2025

       
      Complaint: 23437806

      I am rejecting this response because: I do not accept the response from the business. **** still has not addressed the center of my complaint. They continue to ignore Georgia's law surrounding "force placed insurance", which provides specific requirements for lenders to follow. ****'s response was to provide me with the letters they originally mailed to me stating they will be enforcing the "force placed insurance", although I provided them with my insurance coverage.  No resolution was proposed to address my complaint. 


      Sincerely,

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

      Business Response

      Date: 07/07/2025

      We have provided the member with all documentation he requested, the agreements he signed, and our position on the matter.

      Customer Answer

      Date: 07/07/2025

       
      Complaint: 23437806

      I am rejecting this response because the business's response and actions have not made any efforts to resolve the issues the business's actions have established. The business continues to assert their actions were covered by their internal procedures, which conflict with Georgia law in this matter.

      Sincerely,

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

    • Initial Complaint

      Date:04/01/2025

      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.
      To Whom It May Concern,I am filing this formal complaint against Atlanta Postal Credit Union for illegally reporting a charge-off on my credit report without proper validation. I have disputed this account multiple times, yet Atlanta Postal Credit Union has failed to provide validation of the debt, while continuing to report inaccurate and unverified information that is negatively impacting my credit profile.The company is in violation of the following federal laws:Fair Credit Reporting Act (FCRA) 605B If the debt is fraudulent or linked to identity theft, it must be blocked from my credit report upon request.FCRA 623(a)(3) A data furnisher must not report information that is disputed and unverified.FCRA 611(a) Upon a dispute, inaccurate or unverifiable accounts must be deleted immediately from the consumers credit report.Fair Debt Collection Practices Act (FDCPA) 1692e Prohibits false, deceptive, or misleading representations, including misreporting the status of a debt or incorrectly reporting a charge-off.FDCPA 1692f Prohibits unfair practices, including continuing to report a debt that has not been validated.Given that Atlanta Postal Credit Union has failed to properly validate this debt and continues to report it inaccurately, I am requesting that the Better Business Bureau intervene to ensure this charge-off is immediately removed from my credit report as required by federal law.I am seeking prompt resolution of this issue and expect Atlanta Postal Credit Union to delete this charge-off from my credit report within the next five business days.

      Business Response

      Date: 04/02/2025

      Thank you for reaching out to us.  We will investigate this matter and reach out to the member directly.

    • 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 disputing an invalid account reported by ******************************************************************** on my credit report. This account is inaccurate, unverified, and violates the Fair Credit Reporting Act (FCRA). Since it does not meet the legal standards for reporting, I request its immediate removal. If the furnisher cannot provide proper validation, it must be deleted per federal law.

      Business Response

      Date: 03/26/2025

      Thank you for reaching out to us.  We will begin investigating this matter immediately and reach out to the member privately.

    • Initial Complaint

      Date:02/06/2025

      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.
      I took car loans from them for postal vehicles and I had to keep insurance on them. I have car insurance through progressive and my insurance have never lapsed but they put their own insurance on the cars no matter how many times I have sent them proof or my insurance agent has sent them proof. I have been on the phone multiple times and they always say they will send the information/email/proof to the right people. We have even had someone even confirm that it was what they needed and sent a confirmation email to the insurance agent. I am just so frustrated and tired because now it is effecting my credit score because they are charging me for their insurance. I have even tried to pay the insurance they are charging and they just put it in a new savings account. It has been going on for so long now and they are just not trying to fix anything. I value my credit and their mistakes and not even trying to fix them are messing up my credit score. They need to stop charging me for something that never lapsed in the first place.

      Business Response

      Date: 02/07/2025

      Thank you for bringing this to our attention.  I will look into this matter and reach out to you discuss the details.

    • Initial Complaint

      Date:01/04/2025

      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 have been a member of this credit union for many years. I did not have on online account until today. I also had an allotment from my paycheck to this bank to my savings. I took out a car loan in 2018. I received paper statements in the mail for the entire time I had the loan until I stopped receiving them 2 months prior to the conclusion of the loan. When they sent me a letter stating I had forgotten to pay, I sent a check for $875 . I had to call to get the address to send it to. I got another letter called again they said this had not posted yet and that they were behind on posting payments. I got another letter from collections and called. After about 4 attempts to reach someone by phone I was transferred to find out my payoff amount which was $901 and change. I asked if there was a way to pay this by phone and was transferred and the *** said to leave my # they would call back. They did not call back. I attempted to reach them 8 more times and finally called while I was at work. I reached a human who when I asked her to help me she said that since I had over $4k in my savings they would just transfer the money from my savings...which they did. I got an email from another banking institution that I deal with that said my credit score had dropped. I had a steady score of about 822 for over a year . My score dropped from 822 to 726 and the only negative item on there was from this bank. I have stopped the allotments today and moved the checking account money to my savings and set up an external transfer for but it is pending. I have no other choice but to wait until my cds mature to remove them. The problem I have is that my credit score will have this on my report until 2031 it says and I feel this is wrong as they changed the billing process without telling me and I did try to pay them. I will check with my checking account at other bank daily to see if the $875 check is ever cashed. At the time when this happened I had over $10k in assets with this bank.

      Business Response

      Date: 01/07/2025

      We will investigate this matter and reach out to the member privately to resolve the issue, as we cannot share personal information in this forum.

    • Initial Complaint

      Date:11/20/2024

      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.
      Today I applied for an auto loan through my online account with the intent for ****** ***** to work my loan who is fantastic and my existing loan officer. Instead it was assigned to ****** ******. Who I repeatedly reached out to. So I could have the loan application transferred over. I spoke to ****** and she said she would be happy to help me. I documented everything in the conversation log of the loan. After waiting hours and her trying to reach ****** he calls me at 1:30pm mind you the loan was placed early this morning prior to the bank opening. ****** was very rude and lied to me and told me the system wouldnt allow him to transfer the loan to ******. I told him its important I work with her. He became ***** and *****. I asked for him to withdrawal the loan. He then declines my loan application. I have been in lending before over a decade of my professional career before becoming disabled and this treatment was terrible service. I feel comfortable with ****** and want to work with who I want to work with. And should have that right. ****** was just awful to deal with. He needs to be coach around how to handle customers who want to deal with their person and not lie to them to make a sale. Thats a sleezy way to do business.

      Business Response

      Date: 01/07/2025

      We appreciate the opportunity to investigate this matter and regret that you did not receive satisfactory service.

      Customer Answer

      Date: 01/07/2025

       
      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. I do hope in the future this representative does not treat other people the way that I was treated. If it wasnt for ****** *****, we wouldve moved our money elsewhere. She really saved our relationship with APCU. So I hope she is recognized for the service that she has given us and I hope this other representative was trained to better handle individuals in the future, requesting their specific loan officer.

      Sincerely,

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

    • Initial Complaint

      Date:09/17/2024

      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.
      We have been charged for auto insurance on a loan despite repeatedly sending in proof of insurance of our own policy. This has been going on since October, 2023. At first, we discovered they had the year incorrect on our vehicle so our insurance did not match up to their records. This took over 6 months to fix. **** had it listed as a 1998, however it was a 1995. Once they fixed it, they continued to charge for insurance. Finally, after repeated calls, they stopped charging us.However, they still have not refunded us the charges of over $1000. I continually call and ask for managers who are always in a meeting. They NEVER call back. I have records of 22 phone calls regarding this situation. It is BEYONE rediculous.

      Business Response

      Date: 01/07/2025

      We appreciate the opportunity to investigate this matter.  We have resolved the issue with the member.

    • Initial Complaint

      Date:08/23/2024

      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.
      PLEASE SEE ATTACHMENT

      Business Response

      Date: 08/26/2024

      We are unable to research this matter with the information provided.  We do not find an account matching the name and address you provided.  Please contact us at ************** and speak with our loan servicing department regarding your account.

    • Initial Complaint

      Date:08/19/2024

      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 trying to get my money back. As you can see by the attached items, I have been systematically fleeced of Five thousand nine hundred fifty dollars ($5,950.00), of which the Credit Union says that the only help they can assist with is documentation, to take to the police department for further investigation, which I did. Now I am seeking your help. This fraud began in March of this year. The people that I have spoken with at Atlanta Postal Credit Union says there is nothing they can do to recoup my funds, arent they insured by the ***** and listed with the BBB?

      Business Response

      Date: 08/20/2024

      This is repeat complaint has already been investigated by the credit union and we have previously responded to this member.

    Atlanta Postal Credit Union is NOT a BBB Accredited Business.

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