Abound Federal Credit Union

This is the sorriest excuse for a bank / credit union. Not only do they not reply to your emails, but once you FINALLY get someone on the phone (after waiting for nearly an hour), they are anything but helpful and unknowledgeable. I got a car loan from them in March 2019. The only reason I went with them was due to the lowest interest rate available. I have a near perfect credit score, so of course they talked me into signing up for their credit card (completely my fault). The website has always been a complete mess! You cannot simply login and make a payment. You have to go through hell and high water just to get to the place you need to be in order to do so. After making a payment to the credit card, you then have to login to a separate location on the website to pay on the car loan. OH! But they best part is that they have made "changes" to the website recently! Biggest joke ever. It's still the same, just more confusing than before. I have been trying for DAYS to give these people my money! They tell me to add an "external account" in order to make payments (all my other accounts are at a local bank). So I add the external account as instructed. Still unable to make a payment. I call again. Some mn who "is learning the new website as well" tells me I have to transfer money from my REAL bank account to a savings account with Abound, then make my payments from that savings account. I'm sorry....WHAT?!?! This makes no sense. And I'll be damned if I transfer one red penny to their "savings" account after they way they handle other issues. THEY ARE USELESS! It has come to the point where I have no choice but to pay off everything I have with them (via phonemail of course because the website is inefficient) and let EVERYONE I know to never under any circumstances use this "business" for ANYTHING!

Terrible website. Toll free number does not work. I can't find a local (270) number to call. Trying to pay off car loan. Will NEVER use Abound Credit Union again. Abound, by the way, is a stupid name for a bank. Ft. Knox Credit Union was a much better name.

Will take your money and lock you out it and when you call them they will keep you on hold for 2 days. They are no better than a pyramid scheme, goto chase or something any bank will be better than these small town hicks who don't even have a real high school diploma.

Poor service plus poor business hours plus having NO service after 5:00 pm. Makes it hard to make business dealings . Will not deal with abound EVER again.

If I could leave less than one star I would. Worst Credit Union ever, go to *** and see how a credit union is supposed to treat its members. I lost my debit card, called on Sunday to an outside agency, they took my information, I never heard back from Abound. I call them today they say well you called the wrong number ( I called the number on their site). Then she found my call record (never apologized) and then told me to pay $10.00 for a new card. When I expressed concern that I filed a card lost on Sunday and no one confirmed or contacted me in two days, she dismissed it. I asked to talk to a manager, she put me on hold for 12 minutes, and then came back and said manager will have to call me back. This was this final straw, years of bad service and attitudes from the branch in Elizabethtown on Dixie Hwy and Joe ***. I closed my account and my experience with *** has been outstanding.

We paid our car loan off 8 weeks ago and can’t get a lien release from them. We’ve tried numerous phone calls and we always get the same answer, "we will put in a request to our loan department for it. It will take few days" we have now had to contact a lawyer to try and get a simple lien release.

This is the most CLASSLESS And SHAMEFUL Bank ive ever known. I lost my job in Aug and was passed due on a credit card which I caught up in Oct 2019 as promised after receiving 6 calls a day from a jerk David *** and had a overdraft of $700 I went into the location in Feb with a personal check from that bank from a relative for $500 to put towards the overdraft fees but they refused to let me cash it to deposit it so in March I told them I was unemployed again because of the COVID-19 Pandemic and I would pay as soon as I could well they charged off the account after refusing to accept my payment and they sold the account to a collection agency who trying to double charge me so I get the COVID-19 Stimulus check that was sent to a charged off account and they garnish every penny for a charged off SOLD account and a credit card with a promise to pay date arrangement they were so classless to take a pandemic relief fund from a unemployed family with an 11 month old. I requested a written statement from them showing they contacted the credit collector agency that the account was paid off but they refused to do so, legally if a creditor refuse payment on a debt they cannot collect in it. I got hung up on and screamed at from that jerk David *** and still cannot get a receipt of payment or a letter confirming the collection agency that it has been paid!!!!!!

Worst Bank or Credit Union I've ever dealt with. They bought out my old credit union (***) about a year ago. After implementing all of their new policies banking with them has been a living hell. After going around and around with them on my car loan I finally took the money out of savings and paid off my car loan and all other accounts with them. I will close all accounts including their credit card with a credit limit of 25,000 dollars as soon as I make sure that all pending charges are cleared. I'd rather use cash only if they were the only alternative.

I'm very upset with FKFCU in general. I've been in the process of purchasing a *** for the past 9 months. I've researched and fundraised... sold tshirts, handmade necklaces, spent countless hours doing this. My goal is to purchase a ***, which is used to preserve stillborn infants for up to one week so parents can take pictures, spend time with them as much as possible prior to burial or cremation. My aunts decided to go in with me on this.
The *** payments are processed from the United Kingdom, and they ship from the *** warehouse in Pennsylvania. UK law dictates that I have to have a downpayment before February 10th. Legally, *** can only hold an item for a certain amount of time. I've researched ***, they are a legitimate business, and was referred to them by *** and *** both organizations who specialize in stillbirth and infant loss resources.
I've made two international calls to the United Kingdom and personally spoke to ***. I've spoken to Laura *** and Steve ***, who was the original creator of Cuddle Cot. I've gotten up at 5am to make these calls, and paid for these calls out of my own pocket.
The first time, FKFCU declined the transaction. I called FKFCU and explained what I'm trying to do. The bank representative explained there is a block from US to UK transactions. She recieved manager approval to lift the hold, or that's what she told me.
I tried the next day to put my downpayment on the Cuddle Cot. Just to be declined again. The downpayment is $500 and I have $2800 in the bank according to FKFCU so this should not be a problem. On top of it, FKFCU locked up my bank card after the second attempt. I'm currently waiting until they open to sort this out.
I'm very angry bc I've been clear and transparent about what I'm doing. I feel like FKFCU just doesn't want to be bothered by anything that has to do with stillbirth. I feel discriminated against, there was no reason for them to do this. This *** is being purchased in MY stillborn daughter Zoey's memory so this is insult to injury.

I entered into a re-finance agreement with Ft. Knox FCU. While refinancing I provided insurance proof along with several other requirements. I logged in to make my payment and to my surprise, it was 80.00 higher than normal. I called and got a seemingly uncaring employee who said it was because they needed proof of my insurance and hadn't I gotten a letter from a third party called "***" ? I explained that not only had I not gotten a letter but because I don't do business with any company called "***" it wouldn't have been opened to begin with. I explained that I had called and spoke with someone at least 2 other times a week or two before - my cell phone number is working and has been working and so has my email. I received nothing from the company I actually do business with alerting me of this issue. She explained I would need to take my personal time (of which there isn't much) to gather documents from MAY. 5 months. Ft. Knox waited 5 months to ask for this. I gathered my documents and emailed them to a Ft. Knox email. I sent original policy, the next policy and my current policy. I received a follow up email to tell me while they were able to verify my current that they again needed me to spend more of my time to get the other policies. I wrote back, because my current policy was the THIRD attachment which meant they had to ignore the first two to even get to the third. Or, they didn't value my time enough to actually do their job. I forwarded the policies again along with a screen shot of the original email highlighting the 3 attachments. It was then that she said Oh, the other attachments didn't come through. What should have happened was an email back that said hey, I see there are three attachments but I can't open two of them. Instead, it's more time wasting, like I haven't done what I was asked to do when in fact I have provided this documentation more than I should have to. I called back and got someone else who also didn't care.

This company is such a scam - they added insurance to a utility vehicle we have after proof of insurance was submitted multiple times not only by me personally but by my insurance company. I also think its bt that you have to leave a star rating when they don't even deserve that!

They seized almost $3K and gave it to child support. The only problem was it was my tuition money from the federal government that was exempt from garnishment and I was supposed to use it to graduate in 2 days!! The compliance department never returned my phone call. So I went to ring road branch lady I spoke with was very nice and helpful however the manager over the phone Dennis *** was extremely rude and unprofessional. He spoke loosely to me as if I was just someone off of the street. He also refused to release my funds after I clearly stated and showed that what they were doing was against Federal consumer protection laws. The state agreed to release the funds (because they knew the federal law) and when I called back to get the fax # no one from the credit union would answer or call me back, including the president Mr. .Dennis the compliance mgr later told me that the President and upper management aren't really accessible to members. They continued to place me on hold . so I called and called and demanded not to hold Dennis got on the line and for no reason just decided he would lie to me. Stating that he just got off the phone with the state and that I never contacted them. I asked, who did you speak with? What department? "I don't remember and I don't have the phone number." come on man, really? I banked there for close to 28 years. I referred hundreds of thousands of dollars in business to them when I sold cars. I have never gotten anything but headaches in return. This place is nothing like it used to be when they were a smaller outfit. This was supposed to be one of the happiest days of my life but it has been a trainwreck bc of FKCU. I will never bank with you guys again and you shouldn't either.

Credit Union refuses to update mailing address. I have been unable to get my last two account statements. Customer service reps are rude and hang up without cause. I have called numerous times only to wait 20 minutes, listening to a recording and then have the call dropped.

THIS BANK IS THE BIGGEST JOKE OF AN EXCUSE FOR A BANK I HAVE EVER SAW IN MY LIFE!
In late 2015, I totaled a car (2010 Lincoln MKZ) that I had financed with them since 2012. I understand that in 2013 I had filed BK13, which was discharged in March of this year. However, on my credit report it is still reported inaccurately to all of the credit bureaus, which is lowering my credit score. I had to get an attorney to help resolve the issue between FKFCU, my primary insurance company, my GAP coverage carrier, and I. Fort Knox has reported that its "on a payment plan" and it isn't--it should have been paid by the GAP insurance after the primary insurance paid their portion. I want my credit report to be fixed immediately!! I have disputed this with the credit bureaus and FKFCU will remove some of the inaccurate info but not all of it and that's bogus! FIX YOUR MISTAKE FORT KNOX FEDERAL!

My other issue is that I received a new debit card in the mail in late April for my checking account that is partially still with them ($40/week; the remainder goes into a GREAT bank in Irvington that I use). I was mowing my lawn when I lost my debit card, and I thought "no big deal, I can get a new one". I called them on Saturday 7/21/2018 at 11:18 and was told that there is a note on my account stating that "all services are denied because of a bankruptcy" and this bank wouldn't give me my account number, nor would they issue me a debit card to get the money that I have deposited into that account!! Keep in mind that this bankruptcy was filed in August of 2013--and discharged in March of 2018, and that note was never on my account (***) prior. It's MY money that I earned, and they have no problem whatsoever taking the money as a deposit but they sure have a problem giving my account info so I can retrieve said money. I don't care to get an attorney again, but I'm tired of the games that this bank likes to play!!!

This lender is one of the biggest scam artists I have ever come across, EVER. I have been working with this lender on my auto loan since 2016 regarding my sports vehicle. Recently, after two years of having a loan with Fort Knox, I was told that force placed insurance would be placed on my vehicle even after I had spoken to various representatives explaining that our car was not only a sport vehicle but also a collector's car which is never driven in order to conserve the car and mileage. I had numerous conversations with this lender explaining that the car was covered with comprehensive insurance and was always parked inside the garage and NEVER driven except maybe three or four times during the summer time, (my husband is a car fanatic). I explained my case and pleaded with them to approve MULTIPLE storage request forms that I had sent in. I was hoping to have the car in storage almost all year long and only have collision insurance on the car for one month each summer, but I was denied. So finally, I had someone named Kelly contact me and leave a message on my answering machine stating that they could not approve my request because they only approve sports vehicles. HUH!!!??? THE CAR IS A SPORTS CAR!!!!!! I was baffled, so I picked up the phone and called her. After NO FURTHER EXPLANATION WHATSOEVER OF WHY I WAS BEING DENIED, I had the misfortune of speaking to someone named Rhona ***, ***s supposed supervisor, whom should never be allowed to work in customer service ever ever again. I literally pleaded with this woman to help me because she clearly told me that she was going to place force placed collision insurance on my car from the start date of the loan which was going to cost me almost $1500.00. Can you imagine? It is 2018, and I was going to have to pay two years of back dated insurance. I was desperate so I went back and forth with her several times and was even hung up on. She is such a liar that when she called me back a couple hours after she hung up on me, she denied hanging up on me and then retracted her statement and apologized for hanging up on me when I called her a liar. She is a ridiculously stupid and manipulative human being. I demanded SEVERAL times to speak to her supervisor Erik *** only to be IGNORED COMPLETELY AND NEVER WAS ABLE TO SPEAK TO HIM. So, the day before I had to either pay for the insurance or pay off my loan, I called Rhonda and told her that by law I had to have an explanation as to why they did not grant my storage request form to which she mumbled back, "My supervisor will have to get back to you on this." I then call the following day which was my "D" day only to have both Rhona and her supervisor Erik on speakerphone in which I finally got to hear this grand explanation. I was denied because of the dates I had asked for on the storage request form. NEITHER ONE OF THEM HAD EVER SAID THAT TO ME OR EVER GIVEN ME THE OPTION TO FILL OUT ANOTHER STORAGE REQUEST FORM WITH DIFFERENT DATES. That one phone call SAVED ME ALL THE INSURANCE COST THAT THEY WANTED TO FORCE PLACE ON MY LOAN. I now do not have to pay any force placed insurance and I am able to continue paying off my loan as normal. PEOPLE, RUN FOR YOUR LIVES FROM THIS CREDIT UNION. I was stressed and worried and beside myself concerned and ALL FOR ABSOLUTELY NOTHING. I HOPE THESE PEOPLE ENCOUNTER THE SAME MISFORTUNE THEY CAUSE OTHERS.

The "Branch @ Home" online banking login page is not user friendly at all - and impossible to use for me to login to see my account details. The password and user name recovery options is not functional which means if I ever need to recover those two items I am out of luck. Also, When I type in my account number, the website presents me with security questions from another member which tells me they don't have their database setup correctly. This could pose a security threat for hackers to hack the website and steal people's identities etc. The login page needs to be redesigned and redone to make it easier for members/users to be able to login and recover their account information if need be. I have already sent them an email and hope they can resolve this issue.

I've been with Fort Knox Federal Credit Union for 16+ years and I got a loan from them September, 2015. I've never gotten any favors on the account, until then, so I made my payments on time every month. I contacted Fort Knox Federal Credit Union about a forced-placed insurance (CPI) placed on my account, that raised the price of my car note to $313.22, in April, 2017. The credit union transferred me to a woman named, ***, who told me that the insurance would be removed and that my payments will return to the amount that I was originally paying, of $264.50 per month, when proof of insurance was submitted to them. In January, 2018, I contacted the credit union and asked them what would be the better option: to leave the insurance on and continue to pay the $313.22 per month, or to go with the full coverage from ***. The institution told me that it would be better to go on with the full coverage and that the payments would go back to $264.50 once proof of the insurance was submitted by 1/18/18; and if I left the force-placed insurance on the account it would increase my payments further and add on to what I owe on my auto loan. This was confirmed with ***, who is in charge of bringing the payments back to $264.50 per month on the account.
I got the full coverage insurance 1/14/18 and faxed the proof to the bank. The bank mailed me a letter dated February 6, 2018 stating that they received proof of insurance from me and that the forced-placed insurance was cancelled. I contacted the credit union and informed that I received the letter, and asked when I should see the payments return to $264.50 per month; to which the bank replied after I made the next payment after the proof of insurance was received. I made the payment, but the amount due was still the same, and the bank refused to update the payment amount.

Don't this credit union!! They never answer their phone and if you have a loan through them there is no place to view the loan information or the balance. You can pay the loan but that is about it. Fort Knox this is 2018....the new millennium!!! Your credit union is still in the dark ages. I can set up a payment at any of my other financial institutions for a payment on any day of the week. At your payment website I can only set up a payment for any day Monday thru Friday only. Therefore if my payment is due on a Saturday or Sunday I have to make it for a day before that day. I also cannot pay more than $1500 on my auto loan....another inconvenience with your credit union. I have been trying to reach you via the 800 number you provide...no one answers the phone. I have tried reaching you through individual branches....no one answers the phone. It doesn't matter what buttons I press NO ONE answers the phone. I've been paying on this auto loan but I can't look at my balance or see any other account information. This Credit Union is in the dark ages and I doubt they really care about any members if they can't answer a simple phone call or make it convenient to bank with them on line. I'm going to make sure everyone knows about how pitiful and inept your financial services really are. I bet someone will talk to me NOW!

I signed up with NewEra Debt Solutions for another matter 1/4/2017. I kept paying Fort Knox,Citi Bank and Paypal. when it hit my credit report Sept 2017 my rating fell but I kept paying the three mentioned on time. mid Sept I had my truck serviced and was told I needed new tires before the first rain. I'm disabled and can't hustle work for money. I called Fort Knox and gave them all of what was going on,*** the loan intake Man sounded positive about the $1.000 I wanted to borrow. 32 mins later I get a denial email. I replied again with the denial letter again denied. They know my payment record, they could use equity in the truck or offer some advice even, but do nothing. I can't afford the loan shark placer I would end up paying $2.300 on a $1.000 loan. So if your on a fixed income or need professional advice on what to do in a situation. Don"t expect Fort Knox Credit Union to help or assist in any way. To bad they were great until I needed help.