Complaints

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.

• Initial Complaint

  Date:07/09/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Americu did a security update and now my online banking is completely messed up. I have tried contacting Americu multiple times and they haven't answered or responded to my messages. I am unable to make payments and can't see my credit card activity.

  Business Response

  Date: 07/17/2025

  We mailed a letter directly to the member on July 17, 2025.

• Initial Complaint

  Date:05/30/2025

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  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.

  Americu account # ******** and account #*********** have been inaccurately reporting info on my credit report that was deemed a profit loss due to the remarks they placed on my credit report. Not only has it been deemed as a profit loss, but it has also been reported to the IRS. So, updating it monthly and reporting it to the IRS is against the law. This is a violation of the FCRA according to 15 USC 1681 S-2 and 15 USC 1681 E B

  Business Response

  Date: 06/16/2025

  We are working on a response to our member directly.
  

  Customer Answer

  Date: 06/18/2025

  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. 
  
  Regards,
  
  ******* ********

• Initial Complaint

  Date:05/06/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 banking with AmeriCU credit union for over 20 years, and they hold my mortgage and pay my taxes in escrow. Approximately 3 years ago I received a letter stating that the property is currently undivided and listed by the taxing authority as to be apportioned (TBA). To enable our payment of taxes, please contact your local tax collector about this issue and send a corrected tax bill. After contacting the county, I was told my property is not divided or TBA. A tax bill was provided and taxes were paid. In 2024, the same situation occurred, and AmeriCU did not pay my taxes resulting in a tax penalty of 974.00 despite them issuing me a refund from my escrow account.

  Business Response

  Date: 05/22/2025

  We have worked with
  Mr. ******** to explain what occurred and how it was corrected.

• Initial Complaint

  Date:05/02/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 not liable for this debt. I was never provided with the original contract as I requested

  Business Response

  Date: 05/27/2025

  In accordance
  with privacy laws, we are unable to provide information about this individual’s
  account, apart from noting that we do not agree with the individual’s version
  of events, and regret the individual feels they had a poor experience.

• Initial Complaint

  Date:04/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  A payment in the amount of $532.00 was made to card ending in **** on 04/02/25. Unfortunately, that card was closed and it was supposed to be made to the card ending in ****. I have contacted customer service to get the payment switched from card **** to ****. I've been told it will be completed and posted by the end of day, I received a email stating the payment has been successfully transferred to card ****, representatives have said they would give me a call to conform the payment has been transferred. I have never received a call from anyone. The payment still hasn't not been transferred/

  Business Response

  Date: 05/27/2025

  We were able to work with Mr. ****** to make the
  correction he requested.

• Initial Complaint

  Date:04/16/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  My father, who has an account with this bank, has called customer service regarding being unable to withdraw funds at the ATM or use it as a debit card because he is getting a PIN error message. The customer service has not assisted, but just given him the run around. I tried to assist, and finally, on April 14, 2025, I asked for a manager to call me back because he had been trying to resolve this matter for a month. My father gave authorization to the representative for the manager to call me back, but as of April 16, 2025, I have not gotten a call back. I even emailed them back on April 14, 2025, with the info they needed from me to be added to his account.

  Customer Answer

  Date: 04/23/2025

  The consumer was asked for power of attorney documentation, but did not provide it.

  Business Response

  Date: 05/27/2025

  We contacted Mr. ******** to explain the different
  reasons the PIN activation failed, have since helped him achieve a successful
  PIN activation, and have addressed the other issues he raised.

• Initial Complaint

  Date:08/12/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 5/7/24 I booked a trip on my credit card for 11,915.10 including Insurance. In june I had to cancel trip due to a health condition. My trip wa paid for on my credit on 5/28/24. A partial refund payment was sent to my Americu C.C. Co. of $6006.80.I asked for my refund money & the bank stated that they were applying it as a credit surplus to my card which I objected to because nothing was Due untill the 12 of August . They took the month of July & part of the month of August which was not Due until 12 of September & then they refunded me $3250.61 to my Savings Account.

  Business Response

  Date: 08/23/2024

  AmeriCU worked with our member in an attempt to satisfy his concerns regarding his credit card/savings account. We empathize with his situation but were unable to meet his full request.

• Initial Complaint

  Date:07/04/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 went to the Americu Credit Union ITM on 7/3/24 in Cicero, New York at 5:57PM. I put my $1200 into the machine. The machine began to process my money and then gave me an error code on screen and said something along the lines of " Contact customer service for a refund." And then printed out a receipt saying there was an error. The machine kept my cash and did not give credit to my account. My money is currently being held and they cannot do anything until Friday morning (7/5/24) at the earliest. And could possibly take up to 10 days according to customer service agent. It is July 4th week and need the money urgently. At this moment they will not even credit my account because they do not have qualified agents at the customer service center that are able to do so, according to the agent.
  
  
  Some type of compensation to my self and other victims for the negligence and improper maintenance on their machine. Americu Credit Union should be fined. In my opinion, all banks should either be able to provide services 24/7 that are able to credit accounts and/or send a field technician out to the customer so they are not suffering without their hard earned money, especially on federal holidays.

  Business Response

  Date: 07/08/2024

  We reached out to our member on the morning of 7/5/2024. The full amount of his deposit was credited to his account and a maintenance request was placed to ensure the proper functioning of the machine to ensure an error-free experience for our members.

• Initial Complaint

  Date:06/17/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 writing to express my profound dissatisfaction with the service I am receiving from your institution. Here is the background on the situation:
  
  Recently, my debit card was compromised, resulting in several fraudulent charges against my account. Upon discovering these unauthorized transactions, I immediately filed a grievance with your customer service department. Despite my swift action to report the fraud and seek resolution, I have been informed that I will not be able to use my debit card for the next three months.
  
  This extended period without access to my debit card is causing significant inconvenience and disruption to my daily financial activities. Moreover, I find it extremely unfair that I, the victim of fraud, am being penalized in this manner. It is concerning that the credit union's fraud detection system failed to catch these unauthorized charges in the first place. As a result, I am now facing undue hardship and inconvenience.
  
  I urge you to reconsider the restrictions placed on my account and to take measures to ensure that such situations are handled more effectively in the future. Your prompt attention to this matter would be greatly appreciated.
  
  Sincerely,
  ******* ****

  Business Response

  Date: 06/28/2024

  AmeriCU’s
  fraud prevention policies, which are applied equally to all our members,
  include restricting debit card use if there has been frequent instances of
  fraud claimed by a member. Due to a recent and significant increase in debit
  card fraud, it is more important than ever to continue to apply these policies
  to protect AmeriCU’s members. We attempted to work with our member in this
  case, including providing alternative types of options to use the account to pay
  for various items, and unfortunately our member was not interested in taking
  advantage of them.

• Initial Complaint

  Date:04/08/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 refinanced a loan for a 2022 ******* side by side. The first loan had my ex boyfriend on it and I was the primary. We split up so I refinanced it. I never got the machine back in my possession after I refinanced it. I ended up getting a lawyer because all paperwork was in my name. Now AmeriCUs legal department said they should of never refinanced the loan. They claim I'm paying on a loan that has no collateral. My loan papers have the machines VIN number, description and engine numbers on it. This is a contract that I signed with the bank no matter what. I was told by rep James S****** that if I let the payment beco.e late 30 days I can put in for a voluntary repossession. So I did and nothing happened. I think AmeriCU needs to make this right with me! I have no machine, AmeriCU is telling me I'm paying on nothing and I never signed off this loan so I consider this a contract that AmerCU is breaking! Thank you! I have a bunch of documents, emails etc if you need it

  Business Response

  Date: 04/11/2024

  This
  individual has an attorney assisting her with this matter, and for that reason
  AmeriCU’s ability to respond to this complaint is limited. However, AmeriCU
  maintains that it has worked within reason with this individual to explain her
  loan repayment options and attempt to find a mutually agreeable solution.
  AmeriCU’s legal department has never interacted with this individual or made
  the suggestions this person claims, and AmeriCU does not have the same
  understanding of the underlying facts as this individual has recounted.

  Customer Answer

  Date: 04/12/2024

  Better Business Bureau:
  
  On 9/21/2022, I took out a loan at AmeriCU, in the amount of
  25,095.00 for a 2022 ******* RZR Pro XP Sport. 
  ***** ******* was also on the loan as a Joint Owner.  I made bimonthly payments to this loan as the
  amount came out of my paychecks. 
  Original payments were 459.92 a month.On 09/23/2023, I went to AmeriCU and refinanced the loan
  because I split up with ***** ******* and we no longer had any contact with
  each other.  The loan amount at the time
  of refinance was 19,477.78.  I continued
  to make payments on a bimonthly schedule.I signed the loan papers with AmeriCU and on my loan papers was the 2022 ******* XP Pro Sport.  This to my knowledge was the collateral used to secure the loan.  I didn't have possession of the machine because ***** would not hand it over to spite the law being involved several times.  I spoke with James S******, about putting the machine in repossession so the bank could get control over the collateral.  James told me I would have to let the loan go 30 days pass due in order to do a Voluntary repossession.  I let the loan go 30 days pass due, James sent me the paperwork to sign and I sent it back to him.  At that point I have no idea what happened or where the communication was dropped.  I could not get an answer from anyone.  I reached out to ******* *******, James S******,  **** ********** Attorney ******* ********** with no response about where the case stood.At that point, I hired a lawyer.  From here, Mr. L********* told my lawyer that they made a mistake and should of never let me refinance that loan with ***** ******* signing off.  The lawyer fees I had to pay out of my pocket were 5,000 plus.  I feel if this is the banks fault, and nothing has been resolved to date, I should get at least my legal fees be reimbursed.  At this point, I still have no idea where I stand with the outcome of the loan.  I have had no resolution from AmeriCU as they say I have.  I have no idea what my options were or how I should rectify the loan.  This has impacted my credit score tremendously and not to mention the stress I've been dealing with personally.  I had great credit and I would also request the AmeriCU give me a letter to submit to the credit bureaus that I was directed to let my loan become delinquent.  If AmeriCU is stating they sent me any type of options I would like to see them in writing because as mentioned I have NO idea to this day what is going on with this loan, what my options are or even if I have any type of collateral on this loan.  And not to mention I still don't have custody of the machine.  
  
  Regards,
  
  ***** *******

  Business Response

  Date: 04/15/2024

  AmeriCU is sympathetic to our member's experience with the loan she agreed to pay, which we understand has been frustrating for her. Again, however, because this member is working with an attorney on this matter, AmeriCU must direct her back to her attorney for information regarding the current status of the matter, or past options that have been suggested to resolve it.

  Customer Answer

  Date: 04/16/2024

  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
  I am writing to follow up on the
  ongoing issue regarding my loan with AmeriCU. Enclosed is the response from my
  legal representation, highlighting the lack of options provided by AmeriCU to
  rectify this matter. As noted by Ms. G*, the absence of constructive dialogue
  from AmeriCU necessitated the involvement of legal counsel from both parties,
  including ***** Simpson's attorney and my own. Despite these efforts, we have
  not achieved a satisfactory resolution to address the fundamental issues at
  hand. It has been indicated that AmeriCU should not have refinanced the loan
  solely in my name without ***** Simpson's consent. Furthermore, AmeriCU's
  assertion that the loan was unsecured and their subsequent inability to
  repossess the collateral due to their own oversight has compounded the
  challenges faced in resolving this matter. While I acknowledge my responsibility
  to make loan payments, I firmly believe that AmeriCU should take accountability
  for the distress and financial setbacks I have endured over the past year. I
  was provided misleading guidance by AmeriCU representatives, leading to a
  voluntary repossession that ultimately did not resolve the situation but
  resulted in a negative impact on my credit. The cumulative stress, financial
  strain, and lack of clarity in AmeriCU's actions have left me deeply
  dissatisfied. I am compelled to express my disappointment and dissatisfaction
  with AmeriCU's handling of this situation, and I am prepared to escalate this
  matter to higher authorities, including the Attorney General's office, if a
  satisfactory resolution is not reached promptly. I urge AmeriCU to take prompt
  and meaningful steps to rectify this situation and restore my trust in your
  institution. I believe that by addressing these issues responsibly, AmeriCU can
  mitigate the negative impact on its reputation and demonstrate a commitment to
  fair and ethical practices. Thank you for your attention to this matter. I look
  forward to your prompt response and a swift resolution.
  
  Regards,
  
  ***** *******