Customer ReviewsforUNIFY Financial Credit Union

Cut everyone's Zelle daily *** down to $500 without proper notice and refuse to make exceptions.Charge $20 each time there is an overdraft even with members are going through a temporary season of financial stress and communication them.Their policies cause harm to their members. I do not recommend this institution.

Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding the comment from *********************. We take each complaint seriously and strive to resolve issues to our members satisfaction. We have a top priority to protect our members from potential fraud and unauthorized transactions. By implementing daily limits on payment services, we reduce the risk associated with larger transfers. And, while we understand having limits when sending payments can be an inconvenience, putting such parameters in place helps support account security for all members.UNIFY conducted research and our records show that all fees assessed in 2024 have been refunded as a courtesy. Non-sufficient funds (NSF) fees are charged per item when an account does not have ample funds to cover a transaction (including member checks, Bill *** checks, ACH electronic funds transfers, and debit card transactions), as stated in our Disclosure of Fees and Charges, which can be found on our website. Please call our *************** ************, if we can offer additional clarification or answer other questions you may have.

I got a statement in the mail from Unify FCU about an "inactive account fee", which I found interesting because I have NEVER heard of or used Unify FCU before in my life. I called them to get the account closed so I didn't keep getting charged an inactive account fee. Both the initial representative and the supervisor told me they were unable to close the account unless I wrote a written letter to them in the mail requesting cancellation with a bunch of information I didn't have access to (you know, because I never opened an account in the first place). I am going to keep getting charged a $5 inactive account fee until I figure out how to close an account I never opened and can't access online in any way. BEWARE OF USING THEM!

Thank you for reaching out to UNIFY Financial Credit Union (UNIFY) on behalf of ******************** complaint regarding his account. We strive to resolve our members' issues to their satisfaction. UNIFY conducted research and confirmed that the account was closed on 3/1/2024 due to inactivity. The account was originally opened on 7/26/2022, along with an application for an auto loan that did not fund. If **************** would like to discuss further, he may contact UNIFY's ************************* at ***************************.

They were my auto loan lender. My car was deemed a total loss. My insurance paid them out but wasnt enough leaving a balance. I have GAP insurance, so they will cover the rest. I have called multiple times from 12/27/23 to now 01/16/2024 and EVERY call is something different. Ive been told, i will get a refund, my 6k balance will wash away because of my check posted to principle, i need to speak to the total loss department, they contact GAP, no need to deal with total loss department anyone can assist. Like what is going on over there? Finally i had enough! I am waiting on a Manager and cant wait to hear this one. How can a financial institution be this bad! How can they be in operation. Every review is horrible and is true. Thank god i am almost to the finish line with this bank and will be done for good.

Thank you for notifying UNIFY Financial Credit Union (UNIFY). We take each complaint seriously and strive to resolve issues to our members satisfaction. UNIFY contacted you on 1/17/2023 to discuss the next steps regarding total loss of your vehicle. A Collections Manager also followed up with you on 1/22/2024 to ensure that all steps were clear and that you were satisfied with the resolution. At this time, we consider the matter closed.

This is the absolute worst company I've ever dealt with. I received a notification letter in the mail that my account has been inactive for over a year. First, I never opened this account. It was assigned to me by default because of a personal loan I received from Upgrade. I paid my loan off on 6/16/23 in full; however, the bank still shows it is still open. I have contacted Unify Financial Credit Union today (July 11, 2023) four times by phone, once by email, and last the online banking Message portal. The first representative I spoke to told me to call Upgrade to have them close the account, so I contacted Upgrade and spoke with *****, who stated since I closed my Upgrade accounts (personal loan, credit card) that should close the Unify account since there are no open accounts. Then I called Unify to confirm and spoke with ***** who told me that I need to send a letter to Unify with my name, address, SSN, and intent to close. I told ************ would never send my SSN by mail, email, or fax, so that will not work and that I need to have this escalated. She stated she escalated my concern. I also sent an email and the rep who responded told me to go to the online banking portal and send them a message that I want to close my account. A ********************** rep called me back but didn't leave a name or number, so I just called them back and this rep stated there is still a loan open, which I told her no, I paid that in full on 6/16/23 and she stated she couldn't help me because she doesn't know who to forward me to. This has been the worst experience ever and all for an account I never opened, wanted, or even knew it existed! All I want is my account to be closed and no one can seem to help me. Worst company ever! If I could give them zero stars, I would!!!!

Thank you for notifying UNIFY Financial Credit Union (UNIFY)regarding Customer Review # ****** for NM *****. We take each review seriously and strive to resolve issues to our members satisfaction. UNIFY escalated and completed the request and notified the member of the account closure on 7/13/23. At this time, we consider this matter resolved.

Very poor communication. The company did not notify me that my Auto loan offer would expire in a timely fashion. They made me reapply again for the loan even though I had submitted paperwork requested in a timely fashion. Also due to their lack of timely communication several vehicles I was planning to finance through them were sold. I had asked if they could please extend the loan offer as a one time exception since all paperwork was sent (notarized power of attorney, signed purchase orders, paystubs). I feel like the amount of time working with them to finance the auto loan was wasted and they also wasted the time of the dealerships who were trying to provide the requested paperwork.

Thank you for sharing your experience with UNIFY. We reviewed the application notes and contact log and found that the loan representative maintained an appropriate level of contact over the 60-day application period. We regret that her effort and yours did not result in funded loan and hope that you will consider UNIFY for your future financial needs.

They are the worst financial credit unions around. Unify financial credit union dosen't know what customer service is. They treat us like trash , but they want our Business.

Thank you for notifying UNIFY Financial Credit Union (UNIFY) regarding the negative review from our member, Fred Kueck. We take feedback seriously and strive to provide the best possible service in each and every interaction with our members. Unfortunately, UNIFY was unable to accommodate Mr. Kueck's recent request. This decision was made in full compliance with federal regulation and the appropriate notification was provided. We recognize that the outcome was disappointing but hope that Mr. Kueck will continue to give UNIFY the opportunity to assist him with his future financial needs.

I give zero rating if I could. Customer call line available 24/7 has been called on this issue. As of 11/01/21, I am still waiting for my money from a closed account to come to me by check. Upon further investigation by someone I talked to, the check was mailed to my Arkansas address, 3 months after I had moved back to Iowa!!!!!! I gave written instructions on the website with new address after I had closed my account in late September. I also gave verbal instructions when I called Unify. Customer service is not what it used to be anywhere. Because a Unify employee did not follow simple instructions, I still do not have my interest check from my closed account.

UNIFY appreciates the member bringing this error to our attention and we sincerely regret the service failure. We have reached out to our member directly to resolve the issue to her satisfaction. We appreciate the opportunity to correct the mistake and restore our member's trust.