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Business Profile

Credit Union

Affinity Federal Credit Union

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Credit Union.

Complaints

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

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Affinity Federal Credit Union has 3 locations, listed below.

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    Customer Complaints Summary

    • 85 total complaints in the last 3 years.
    • 32 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:07/16/2025

      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.
      To Whom It May Concern,

      I am submitting this formal and urgent complaint regarding the inaccurate, misleading, and unlawfully reported information on my credit reports maintained by Equifax, Experian, and TransUnion. This misreporting is a direct violation of my rights under the Fair Credit Reporting Act (FCRA) and is significantly harming my financial standing, credit reputation, and ability to secure fair and equitable financial opportunities.

      1. Credit Acceptance Corporation (Auto Loan)

      This account is being reported as open and 60–89 days delinquent, which is materially inaccurate. As of November 2023, no further payments have been made on this loan, and the account should have reflected a default, closure, or at the very least, an updated payment status.

      The continued reporting of the account as “active” and “currently delinquent” is misleading, damaging, and incorrect. It fails to represent the true history of this loan and falsely inflates the current level of delinquency on my credit report. This kind of misreporting affects my credit score and the way lenders interpret my financial responsibility.

      I cite the following sections of the Fair Credit Reporting Act (FCRA):

      § 602 A(1): Congress finds that consumer credit reporting must be fair, accurate, and respectful of consumers’ rights to privacy and accurate representation.

      § 611: Consumer reporting agencies must investigate disputes and delete or correct any information that is inaccurate or cannot be verified.

      § 623(a)(1)(A): Information furnishers must report only information that is accurate and must promptly update or delete information that becomes inaccurate.

      § 623(a)(5): Re-aging debt to make it appear newer than it is violates the law and must be corrected or removed.

    • Initial Complaint

      Date:06/30/2025

      Type:Sales and Advertising 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.
      Auto loan is unable to be payed and is now overdue. The portal is not working and I can signup without a member ID that was not provided after calling multiple times and reaching out via email multiple times. I am frustrated that I cannot talk to a representative who is able to fix this and I am trying my best to pay on time and efficiently.

      Business Response

      Date: 07/11/2025

      Affinity is actively researching the complaint to provide the most accurate and up to date response.  Thank you.

       

    • Initial Complaint

      Date:06/25/2025

      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 notify you of a fraudulent account that has been opened in my name with Affinity FCU. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent ******************************** Name: Affinity FCU Opened Date: 7/18/2022 Account Number: *********High **********************: $34,589.00 I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.Thank you for your prompt attention to this matter.

      Business Response

      Date: 07/02/2025

      We are actively researching the complaint to provide the most accurate and up to date response.

    • Initial Complaint

      Date:06/16/2025

      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.
      stole $500 from ***** have no record of having possession of it repeatedly hung up on and refused help. last assistant claimed she wanted me in hospital, that she insisted i have become too stressed to fix my accounts and find my rent money that they stole she also refused to allow me to explain the greater issue which was that ******* NEEDS to be stopped. she insisted because i mentioned being in hospital for physical issue she insisted she cannot help me saying i should go to hospital for a a medical issue. repeatedly cut me off from talking and pt me on hold, did not give any info about stolen $500 or closed account. she made fun of me claiming to be in the hospital claiming i was in there due to stress. she kept antagonizing me intentionally by putting me on HOLD IN THE MIDDLE OF SPEAKING. the reason she did this was because she tried to stop me from telling her the issue and she wanted to talk over me. i tried to insist i did not finish even telling her the issues at hand. she irresponsibly put me on hold again claiming i have a mental issue or stress condition saying i need to be put on hold till i calm down or i will put myself back into the hospital while simultaneously antagonizing me while REFUSING TO FIX THE ACCOUNTS OR FIND THE STOLEN FUNDS THAT ARE IN POSSESSION OF AFFINITY FEDERAL CREDIT UNION

    • Initial Complaint

      Date:05/30/2025

      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 payed all car payments and they said I was 42 days late and payments were current. They repossessed the car and I had to pay just shy of 2000 dollars to get it back. Omg they lied as their agent quoted me over the phone all the payments since January as they were all payed. How can they get away with this!. They stole my social Security income

      Business Response

      Date: 07/02/2025

      Affinity is actively researching your complaint to ensure that we provide you with the most accurate and up-to-date response. Our team is working diligently to review the details thoroughly.

    • Initial Complaint

      Date:05/11/2025

      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 wa repossess and they continue to charge me monthly on top of the balance that wa reposed. And I dont have the vehicle. Im aware I owe the balance at the timecof repossession but they are adding the payments amounts to the last balance each month and I dont have possession of the vehicle. Making the balance higher each month by adding the regularly monthly payments to the valve that was before I got repossess

    • Initial Complaint

      Date:05/10/2025

      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.
      Affinity repossessed my car at 4:00 p.m. PT on a Friday, after they've closed and the company they use us also closed on the weekends. I wasn't around when they did it and my purse and medication were both in the car. When I called Affinity to try and figure out where it car is to get those things out the representatives hung up on me THREE times. When I finally got someone to stay on the phone, they refused to give me any information and yet again hung up on me but not until after telling me they don't contract with the place that potentially has my car. They contract with a place NOT LICENSED in my state who then goes someone else to do their dirty work. This place has shady business practices. I had to track my car down on my own and even now, I can't access it because the place they use is closed on weekends, does not have an after hours number, AND charges storage fees for the weekend even though they don't have an option to get the car out over the weekend. I'll be contacting my lawyer.

    • Initial Complaint

      Date:04/02/2025

      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 was in a car accident on 3/20/25, my car is considered a total loss. I contacted Affinity Credit Union to start the process of the ************* claim. My car insurance has processed their part of the paperwork and confirmed they have been in communication with Affinity regarding the total loss payout but Affinity Credit Union has not done anything on their end to start or complete the ************* claim. I have called four times! No one is able to give me information, I am always told they will send a message to another department and no one has called me back. I have been approved for another vehicle but the loan I have with Affinity Credit Union must be paid in full before I can have a final approval. It is almost two weeks later and still no contact! This situation is very time sensitive and Affinity Credit Union is not communicating with me at all.

      Business Response

      Date: 04/21/2025

      A letter was emailed to Yaritzaid ******* on April 21st explaining the ************* claim process.  

    • Initial Complaint

      Date:03/19/2025

      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 have a loan thru this company. I have always had full coverage on my vehicle, I started a new policy in Sept 2023, somehow in March of 2024 they dropped my insurance and told me I didn't have it. I have been fully fighting this since July of 2024. Because I did not pay their insurance fees because I have proof of insurance, and every couple weeks when I called I was told it would be handled in two weeks. Well come December, they did not post my Nov payment and with all the fees, they repoed my vehicle causing me to shovel out 2600 that I didn't have. My jeep now has damage from the repo and I'm still being charged for their insurance. This is absolutely absurd and I hope every customer gets away from this company. I have proof of all communication and insurance policies. I paid all the fees in the repo and was told I would get the money back. I'm going to contact my lawyers office because yet again was told tonight another 2 weeks.

      Business Response

      Date: 04/16/2025

      A letter dated April 16, 2025, was emailed to Ms. ***** explaining the timeline regarding her complaint.  

    • Initial Complaint

      Date:03/18/2025

      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 bring to your attention a fraudulent account that has been opened in my name with Affinity FCU. I am a victim of identity theft and did not authorize the opening of this account. Below are the details of the fraudulent account:

      Creditor Name: Affinity FCU
      Opened Date: 10/12/2019
      Account Number: *********
      High Credit: $42,951
      I kindly request that you close this account immediately and remove any negative information associated with it from my credit report. Additionally, I would appreciate it if you could provide confirmation of the account's closure and any relevant documentation related to the fraudulent activity.

      Thank you for your prompt attention to this matter.

      Business Response

      Date: 04/21/2025

      A letter was emailed to Ms. ******* in answer to her complaint which included the name, address and telephone number to contact regarding her account.

    Affinity Federal Credit Union is NOT a BBB Accredited Business.

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