Business Profile

Credit Union

Apple Federal Credit Union

Complaints

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

Customer Complaints Summary

47 total complaints in the last 3 years.
20 complaints closed in the last 12 months.

If you've experienced an issue

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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: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.
To Whom it may concern,I am writing to express my deep concern regarding several unauthorized account with ******************************************* C Account number: *********** balance: $1,281.00, which I have been unable to resolve directly with them. I have discovered that accounts have been opened in my name without my knowledge, consent, or authorization. This fraudulent activity is not only a violation of my privacy, but it has also caused significant distress. I expect immediate action to rectify this issue. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.
Business Response
Date: 05/13/2025
Hi Mr. ******************** for bringing this to our attention. Weve reviewed your concern and confirmed the account is linked to a previously reestablished membership, following an in-person payment to clear a prior balance. The account remained active for some time and was later closed due to non-payment. We take all concerns seriously and follow credit reporting rules closely. No signs of identity theft were found in this case. If you have new info to share, feel free to contact our *********************** at **************.
- Apple Federal Credit Union
Initial Complaint
Date:03/27/2025
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.
The situation was happend at ************************************************************** the branch of apple federal credit bank the situation is was try to get some withdrawal from *** at apple federal credit bank *** machin but unfortunately my debit card is stuck on inside of the *** machine during at that moment was try to ask the employe to return back my debit card because the *** it shows out of service and was ask to return back my debit card the employee unnecessarily arguing and no reason call police because my debit card is prepaid master card it is not apple federal credit bank debit card but if my use the *** card at any bank it charges some amount of fee so was try to get some cash from that bank the employee response was this card is not our debit card it doesn't not matter *** it charges my card weather my card is belong to apple credit or not was try to explain for him but he is such racist and also he doesn't have positively the way he try to customer is so nasty and he confiscate my prepaid master card and he call police no reason. So the the bbb try to contact the corporate office of the federal apple credit bank you need to be reject this kind of employee and return back my debit card let us know the feedback
Business Response
Date: 04/22/2025
Good afternoon

Thank you for sharing your experience, we understand how frustrating this must have been.
When a card is captured at one of our ATMs, we follow security protocols that sometimes prevent us from returning the card directly to the member, which is the case for non-Apple FCU cards. In your circumstance we would not have been able to return the card to you and followed our protocol. These steps are in place to protect cardholders and their information.
We are reviewing what happened internally to make sure everything was handled appropriately. This matter as with any matter concerning **** is handled with the utmost sensitivity.

We appreciate you bringing this to our attention.

Apple FCU
Initial Complaint
Date:02/17/2025
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 writing to formally address a series of concerning issues regarding my private student loans with Apple Federal Credit Union (Apple FCU). I originally borrowed approximately $43k in private student loans between 2015 and 2018 at a fixed 4.5% APR while attending college. However, due to my decision to pursue dental school and residency from 2019 to 2024, I placed my loans into forbearance during that time.During my time in dental school, I was unaware that Apple *** transferred my loans to ****************************** (***). Upon this transfer, my loan was subjected to a variable interest rate, which has now escalated to 14.5% APR. As a result, interest has been rapidly accruing on my balance, and I now owe more than $98k, which is more than double the original principal amount.Despite my repeated efforts to resolve this issue through loan consolidation, I have not received any meaningful resolution. Additionally, I have encountered significant difficulties in obtaining assistance from Apple FCU. Specifically, I have been in communication with an individual named *******, who has not facilitated any efforts to connect me with a manager or higher-level representative who can address my concerns. After explaining my situation to her, including my intention to make a substantial payment of around $60,000 to consolidate the loan, she refused to work towards a resolution or escalate the matter to someone who could ********* a result of this ongoing issue, I find myself trapped in a cycle where the interest continues to accumulate, leaving me without a viable solution. This situation has also had a negative impact on both my credit score and my cosigners credit score, further exacerbating the financial strain.I am requesting immediate action to rectify this matter, by consolidating the loan to $50,000. Additionally, I need a direct communication with a manager or senior representative who can properly assist in resolving this matter without further delay.
Business Response
Date: 03/14/2025
Hello,
We understand your concerns regarding your student loan balance and interest rate adjustments. Loan terms, including potential rate changes and transfers, are determined based on the original agreement and applicable policies.

Per our last phone call, this matter has been successfully resolved. If you have any further questions, please feel free to contact our *********************** at **************.

Thank you,
Apple Federal Credit Union
Initial Complaint
Date:02/17/2025
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.
Apple Federal Credit Union P.O. ******************************* Re: Fraudulent Address Reported on My Consumer File Dear Apple Federal Credit Union,I am writing to dispute a fraudulent address and related information appearing on my consumer report. According to ChexSystems, you have reported an address of ********************************************** under my name, ****** ****. I have no connection to this address and have never lived ******** correct address, which I have resided at for the past 10 years, is ****************************************************************************************. I have enclosed a copy of my valid Washington, DC drivers license, which reflects this accurate address.I also want to emphasize that I do not have any accounts with **********************. The listing of the above address and any associated account is inaccurate or fraudulent. Under the Fair Credit Reporting Act (FCRA), you are required to investigate and correct any incorrect information in my file.I request that you remove the fraudulent address (************************) and any associated accounts from all records under my name. I have already sent supporting documents to ChexSystems and the ************************************ (****). Please finalize these removals within four (4) days of receiving this letter.Kindly provide written confirmation once these corrections have been made. If you need any additional information, feel free to contact me using the information above.Thank you for your prompt attention to this matter.
Business Response
Date: 03/14/2025
Hello,
We understand your concerns regarding your student loan balance and interest rate adjustments. Loan terms, including potential rate changes and transfers, are determined based on the original agreement and applicable policies.

Per our last phone call, this matter has been successfully resolved. If you have any further questions, please feel free to contact our *********************** at **************.

Thank you,
Apple Federal Credit Union

Business Response
Date: 03/14/2025
Response misposted, please correct to use this response for **** ****:
We have reviewed your dispute regarding the reported address. Our investigation is complete, and this matter has already been resolved. If you have any questions, please contact our *********************** at **************.
Thank you,
Apple Federal Credit Union
Customer Answer
Date: 04/08/2025
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: 22950712

I am rejecting this response because:
Case not resolved
Regards,

****** ****
Initial Complaint
Date:02/13/2025
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.
I financed a car through them, finished paying for the car, but they wont give me my car. I called them and they wont talk to me.
Business Response
Date: 03/14/2025
Mr. ****** ********,
We have reviewed your concern regarding the release of your vehicle title. When a vehicle loan is paid in full, the title is released in accordance with standard processing timelines and applicable policies. If there are any outstanding requirements, such as lien release processing or account verification, these may need to be completed before the title can be issued.
We encourage you to contact our *********************** at ************** so we can provide specific details regarding your account and ensure the matter is resolved as quickly as possible.
Thank you,
Apple Federal Credit Union
Initial Complaint
Date:02/06/2025
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.
To Whom it may concern,I am writing to formally file a complaint regarding an issue with my account with ****************************************************************** UNI Account number: ****** Account balance:. $4,072.00, which I have been unable to resolve directly with them. I am requesting that the Better Business Bureau assist in removing this account from my ********************** reports.I have attached copies of relevant documents, including my driver's license proof of address, copy of my social security card a cover letter and the my credit report, to support my case.I kindly ask for your assistance in facilitating a resolution to this matter. Please let me know if you require any further details or documentation.Thank you for your attention to this complaint. I look forward to your response and to a prompt resolution.
Business Response
Date: 03/14/2025
Ms.*******,
We have reviewed your concern regarding the reporting of your account. Per the Fair ********************** Reporting Act (FCRA) and **** guidelines, we are required to report accurate account activity. If you believe this account is fraudulent, supporting documentation may be required. We encourage you to contact our *********************** at ************** to discuss resolution options.

Thank you,
Apple Federal Credit Union
Initial Complaint
Date:01/31/2025
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 writing to express my dissatisfaction and disappointment regarding the handling of my account, which has been restricted without proper notification and is currently being held by your fraud department. I opened my account on January 18, 2025, and I was unaware that the transfer I made to fund the account was unsuccessful due to insufficient funds. Unfortunately, I did not receive any notification or alert about the issue until January 29, 2025, when I attempted to log in to my account and was unable to do so. Upon contacting your customer service, I was informed that my account had been restricted because the account was not funded within the required 10 days. Once I became aware of this issue, I immediately took corrective action by sending a cashiers check to address the insufficient funds. I received confirmation from Apple Federal that the funds were deposited into my account, but I am still unable to access it. I called again and was informed that the fraud department intends to keep this hold on my account for the next 6 months until I build up a good deposit history. My direct deposit was rejected and I am now in a situation where I have to wait for my check to arrive by mail, which could have been avoided if I had been notified immediately when the funds were not transferred into the account. Instead, I am being forced to pay for cashiers checks to be sent into the account, and my access remains restricted for six months. I find this process both frustrating and unreasonable. I have multiple personal and business checking and savings accounts that are well-established, and I have never encountered such an issue. Furthermore, I was not informed that my account would remain restricted for six months, which I find to be deceitful. Had I known this, I would have closed the account immediately rather than send additional funds. Additionally, my account cannot even be closed until the funds clear on February 11, 2025.
Business Response
Date: 02/18/2025
Dear Ms. ***************** account was restricted because the initial funding deposit was returned. Since you were an out-of-state member with no prior relationship with us and unable to visit a branch for verification, the restriction was applied as a precaution. This process is standard when an account opens with an unsuccessful deposit and no prior history.

If you have any additional questions, please contact our *********************** at **************.

Sincerely,
Apple Federal Credit Union
Customer Answer
Date: 03/10/2025
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: 22883023

I am rejecting this response because: The company made an assumption that I was unable to stop into a branch for identity verification because I was out of state. That option should have been provided to me upfront. I travel for business frequently and would have had no problem resolving this. I do not need any further explanation from the company as I have closed this account and would not do any further business with them due to the inconveniences I experienced.

Regards,

******* ****
Initial Complaint
Date:01/07/2025
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.
AppleFCU unequally applies excessive check deposit holds. I have had a checking account with ************************* for over 90 days and never had a single check deposit bounce. It is a business checking account and my business operates in an industry that operates almost entirely on checks. In the past they have always been willing to release check holds early, even on large amounts. Today, for no reason at all, they escalated my request to a supervisor who said "the holds will remain as they are" even for checks as low as $250. This has caused me to miss ******* and pay employees and customers late. I emailed the CEO, all my employees (cc'ing the CEO) notifying the bank caused their payment to be late, and I will be filing complaints with the **** and have encouraged employees and others to leave negative reviews. I will be closing my account and transferring banks as soon as the hold clears.
Business Response
Date: 01/29/2025
We have reviewed your concerns regarding check holds on your business account. Check holds are applied according with our Funds Availability Policy, which outlines standard processing times based on check type and amount. While past exceptions may have been granted, each deposit is reviewed individually to ensure compliance and account security.

If you have further questions about your specific deposits, please contact our *********************** at ************** or visit a local branch.

Sincerely,
Apple Federal Credit Union
Customer Answer
Date: 02/04/2025
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: 22782122

I am rejecting this response because it does not address every concern not does it address inequitable application and justification for exceptions, which are required per the agreement with the ****, who is following up on the legal end, nor does it address the lack of responsiveness, excessive fees or solutions.

Regards,

*********** ******
Initial Complaint
Date:11/27/2024
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.
I filed 2 disputes through them. Was told 10 business days. Upon those 10, I called back and was told by a supervisor my claim was not fraud and to wait 60 days. I've been told 3 different things about my money!
Business Response
Date: 01/13/2025
Dear Mr. ******************* reviewed your concerns and confirmed that the transactions in question were voluntarily made ($780 via CashApp on 11/10/24 and $142.99 via Remitly on 11/7/24). As a result, they do not qualify as fraudulent. Our team explained that disputes for non-fraudulent transactions can take up to 60 days for resolution,and unfortunately, temporary credit cannot be issued in these cases.

While we understand this may not have been the outcome you were was hoping for, we remain available to provide any additional clarification you may need by contacting our *********************** at **************.

Sincerely,
Apple Federal Credit Union
Customer Answer
Date: 01/29/2025
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: 22611635

I am rejecting this response because: these transactions were not voluntary. I was tricked, scammed and more. I immediately reported to my bank for protection. I would never voluntary give over $900 away.

Regards,

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

Business Response
Date: 03/24/2025
We understand how upsetting and disorienting these situations can be, especially when they involve deception and financial loss.
To clarify, based on our account terms, a transaction is classified as authorized when its initiated using your login credentials,even if done under misleading or manipulative circumstances. Unfortunately,this means the transaction doesnt qualify as unauthorized fraud under our internal definition.

That said, scams are serious, and if you believe you were misled or coerced, we strongly encourage filing a police report. This can support further review beyond our scope and potentially lead to recovery through the appropriate channels.

Were here to support you with any documentation or guidance you may need in taking that next step.

Sincerely,

Apple Federal Credit Union
Customer Answer
Date: 04/09/2025
[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed as Answered]

Complaint: 22611635

I am rejecting this response because:
I did not authorize these transactions. They were not through my banking app. I've repeated this over and over. Please refund my money. I am a loyal member and I don't deserve to not be refunded for fraud.

Regards,

****** ******
Initial Complaint
Date:11/15/2024
Type:Product 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.
We (my wife and I), had a auto loan through Apple Federal Credit Union, paid it off August 2019. We received a lien release stating this, but we never received the actual title. We have been trying since then to get that and they refuse to cooperate and send the title. We are trying to sell it, but cannot because of this title issue. We just want the title mailed to us immediately. Want it resolved so we can sell this 2011 **** Edge.
Business Response
Date: 12/05/2024

Dear Mr. **** *****,

Thank you for contacting us about obtaining your vehicle title. We sincerely regret any inconvenience you may have experienced.

After reviewing your account, we confirmed that the lien release was issued, and the ******** DMV mailed the title directly to you on November 19, 2024. If you have yet to receive it, it should arrive shortly.

Should you have any further questions or need additional assistance, please dont hesitate to contact our ********************* at **************. Were here to help and happy to assist.

Thank you for your understanding and patience.

Sincerely,
Apple Federal Credit Union

Customer Answer
Date: 12/13/2024
[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

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,

***** ****

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Apple Federal Credit Union is BBB Accredited.