All In Credit Union

All In bought out my bank, so they took over my three mortgages. The statements they provided were awful. When the mortgages matured, they took forever to process the new loan, even though I provided them with all the documentation they asked for. Another bank approached me during the process and had me approved in two days! The payoff letter they sent my bank had huge fees on it, but I told my new bank to go ahead and pay it. Even though both I and the new bank communicated with them constantly, provided them with everything they asked for, and my new bank FedExe'd them the payoff on the same day as the closing (8/18/25), they still went ahead and dinged my credit on 8/25/25. I would never recommend them to anyone for any type of mortgage or loan. I used to recommend them to my employees as a bank for checking accounts, but I will no longer be doing that either.

Worst customer service. Was on hold for 40 minutes; call-back option not working. I have rarely had a good experience while calling these people. Zero stars.

Had a great experience getting a Line of Credit when my AC broke. Went through the Contact Center and had no problems! Would recommend!

Underhanded, Liar, Fraudulent Behavior
These are the most lying, underhanded, and untrustworthy people to work at a bank. These people have all our personal information and handle our money and will look you straight into your eyes and lie to you as if it's nothing! They cover up and commit more crimes than any lesser criminal. They're deceitful, very misleading, and disrespectful. They have some very ill-bred attitudes. Customers, please check your accounts and know your rights. Don't allow Allin Credit Union to tell you anything. Contact an attorney and Google your rights. Please don't sign any paperwork that these people give you without comprehending what you're reading and signing, and definitely do not sign without your attorney's advice. You do have rights. Never reaffirm any loans, etc. By law, you do not have to, and they can't take your property unless you default. There's a grace period between each payment. You have the right to record all your conversations in the state of Alabama without making anyone aware of the recording. Know your RIGHTS and always protect yourself!

"Ben," who works for All in, is the most underhanded and untrustworthy person, and they have him working at a bank. He works at the branch located at 326 Honeysuckle Rd, Dothan, AL 36305 and wouldn't give me a printout of my payments, nor balance, and tried to keep me from making my mortgage payment underhandedly so that Allin Credit Union could default on my mortgage loan with the help of "Brannon" at 2462 Montgomery Highway, Dothan, Alabama 36303, who works in the bankruptcy department. Brannon also made some unprofessional comments during their phone call. One would only expect that from the mishap of a person that he is. Unskilled bullying narcissism with no consequences from leadership. "Brannon" told 'Stephanie', who also works at the Honeysuckle branch, not to give me my balance, to make sure my balance wasn't on the receipt, and to make sure it only stated that I made a payment. Stephanie was repeating what he was saying word for word while I was standing there recording the conversation. I asked her who was making the statement and she informed me that it was Brannon, the Allin employee from the Montgomery Highway Branch. I have no proof that my payments are subtracting from the balance. This is an underhanded practice that can be used to scam more money out of their customers. There are not that much interest; my money is supposed to be going towards the principal. I am advising anyone who has had these problems with Allin Credit Union or any other business to seek out legal counsel and file a lawsuit against these unlawful business practices.

Everything stated here is backed by evidence in the form of recordings from December 4th through December 6th of 2024.

It is unlawful to actively prevent someone from making their payments. It violates consumer protection laws and is often viewed as harassment through unfair business practices.

Date of experience: December 06, 2024

I have been mistreated by Allincredit Union employees and have a recording of the conversation between us. These people haven't reversed all the fraudulent late fees they attempted to charge me, only stating lies because I have proof of their fraudulent actions and I have three other witnesses who heard the conversation.

Looking over their negative reviews online from other customers who have complained about their poor attitudes and very unprofessional behavior speaks volumes!

Allincredit Union will do anything to conceal their misdeeds, including another lie that I've had problems with anyone there in the past. This is the first issue I've encountered since I filed a complaint with this conniving, deceitful company. My attorney is also aware of this. Heaven Linsdey was very rude, and several others have been as well.

I have a fixed-rate payment of $599.98, and Allincredit Union tried to increase my payments to $765.00.

People, please scrutinize these scammers.

Allincredit Union has tried to charge me in the past for another account with fees I never owed. They got caught, made excuse after excuse, and apologized when they were exposed. This is an ongoing practice with this company. A 2.8 rating tells you everything you need to know.

There is a new service model that you tell the operator what your calling about and then the operator relays your desires to the department. So in fact your wishes might not be followed and you only find out when you see your statement. I have been a member for fifty years and will move my money to another credit union that talks to me directly. I would not recommend this institution.

Horrible. Simply Horrible! The credit union cares more about big companies than customers. Despite the many issues with Moxie Solar and Sunlight Financial, All In Credit Union chose to side with them despite proof the companies were fraudulently passing along incomplete work leaving customers paying for unfinished work. Avoid like the plague! Hopefully All In Credit Union meets the same fate as Moxie Solar!

This is the worst banking institution we have ever dealt with in my life. We hires a company to put new siding on our home. They stated they could get us a loan at a great rate. My husband and I both have excellent credit. This is the bank they placed us with. I really wish we would have paid more attention and did our research. First of all we got a horrible rate. Then in an effort to pay the loan off sooner, we placed a large sum of money in a savings account they setup. Although the funds cleared our own bank, All In Credit Union stated they need to hold the funds for two weeks. What a scam. Plus, when you try to contact them, it is beyond difficult and once you do get in touch with someone at All In CU, they give you the run around. I wish we never agreed to have a home improvement loan with them.

APY shows on system different than your paperwork. They say system rounds up. Example 12 mth Apr was 4.25 and apy 4.39. On my account on internet says APY 4.386. Mgr took care of this for me. 2nd time this has happened to me. CHECK your paperwork vs your account on internet. Bring to their attention. Small difference but not whats being advertised Small amounts adds up. Its uour money !

Consider VERY carefully if taking out a solar loan with them is worth it! I'm trying to sell my house and have a VERY qualified buyer lined up and this credit union is saying they're probably NOT going to approve the transfer of the loan! If this happens I'm going to be SCREWED because I have to start my new job in a new state on a specific date whether the house is sold or not and i can't afford 2 payments which means the credit union won't be getting their money anyhow!!!!

Deceptive. We bank online and the portal to manage the credit card is obscure, confusing, and incomplete. We closed out our mastercard with All In Credit Union for that reason. True to form though, there was a remaining balance on the old card that slipped past our notice (the portal is hard to use). All In sent us a new mastercard (which we didn't ask for) and they transferred the balance from the old card to this new one. Meanwhile, we hadn't activated this new card or used it and didn't even know it existed. This "ghost" card accrued late fees for at least two payment cycles before WE could figure out what was going on. Meanwhile, All In only sent us paper statements for the automatic minimum payment charges it was taking from our account. Yes, if we had been on the defensive we may have caught this sooner. But I don't have time to be on the defensive against my own bank. And I don't have time for snail mail credit card mailings that look like every other cc offer I get in the mail ten times a month. Their online credit card portal is not user friendly and makes YOU do the work to keep track of the cards THEY send you. This is not good customer service. To this day we cannot find the Ghost card's number or balance on our online banking account with All In. Very dissatisfied. This doesn't compare to Chase. Would not recommend this bank.

All In Credit Union is a friendly and competitive lender. They have great products and offer fast service. I would recommend them to anybody that lives in their area.

They used to be a good bank, but I'm not so sure now. I've been banking with AACFCU forever, but my experience with them today has out a sour taste in my mouth for this bank. I had some transactions that caused my account to overdraft that I wasn't aware of, but when I got the low balance notification, I called as soon as I could. I transferred money into my account to cover the transactions and called to see if I could get a reversal of the overdraft fees. Seeing that I called before 3:30 p.m. the SAME day that these transactions were made and I had already transferred money to cover the debits, I'm not really understanding why I could only get a portion instead of ALL the fees reversed. I was told that the supervisor said because two of the transactions posted this morning around 8 something. I get that banks have to make money too and any other time I had had an issue and incurred a fee, I've never called to dispute or get it reversed. The one time I do call and ask if they could reverse the charges, when I transferred money on the SAME day, I get told that they won't. I would like to believe that I have a pretty decent banking history with AACFCU, so I don't see why this accommodation couldn't be made, since it was a one time thing. I've been holding on to this bank as my old reliable, but it may be time for me to start looking a new financial institution.

Great rates, fast service. Can sign documents electronically at home or on the road. Never even had to enter a branch or see anyone in person throughout the process. Would highly recommend the credit union.

I have been a member since 1968, borrowed money for my trailer to live in when I got married. Great great place for loans and banking. Never had any problems! Employees are good people, always friendly in helping when you call or there in person.