ComplaintsforAdvia Credit Union

• Initial Complaint

  01/03/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  I moved our money to Advia Credit Union on December 1st, 2023 to take advantage of their advertised 5% checking and savings accounts. When I transferred the money I asked what I needed to sign up for to get the 5%. I was told that all I had to do was meet three qaulifications. I met these in December and expected a return of a couple hundred dollars. Instead I received $1.84. I figured it was just a computer glitch, but when I went in I was told that I only had the regular savings and not the high yield savings. I explained the situation and was told there was nothing they could do. I was going to call the branch manager, but only the corporate number is listed. I explained the situation to the corporate customer service rep, who said I needed to talk with the branch manager, but could not provide the number. After waiting for and speaking with the branch manager, I was informed that the benefits accrue for the next month, so I would be eligible in February. I was given the 5% on the checking, but not on the savings (which was much much higher) and they both had the same qualifications to meet. So why did I receive it on one but not the other? Why did the teller or the corporate customer rep not explain this to me, if that were the case? There are just many inconsistencies. I am just asking for the interest that I have earned.

  

  Business response

  01/08/2024

  Advia Credit Union is in receipt of the complaint referenced above. Below is our explanation and action regarding this complaint.
   
  The member opened an Advantage Plus ****************** account on December 1, 2023. In order to qualify for the 5% APY, the member must meet Advantage Plus Reward status on their checking account and maintain a daily balance of $10,000. The member qualified for Advantage Rewards in the month of December making them eligible for the 5% APY for the month of January. Rewards are applied based on the previous months activity. Since the account was not opened until December, January was the first month the member would have been eligible for Rewards.
   
  The member felt that this information was not properly explained. As a goodwill gesture, Advia recalculated the interest for December and applied an interest adjustment of $180.55 on January 4, 2024.
  
  

  Customer response

  01/09/2024

   
  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.
  
  Sincerely,
  
  *******************

• Initial Complaint

  11/15/2023

  Complaint Type:

  Customer Service Issues

  Status:

  Answered

  More info

  When we purchased our vehicle we paid for gap insurance. The vehicle was in an auto accident 3 months prior. The first accident I have ever been in and I'm in my mid 30's. It's now been almost 4 months and Advia will not pay the claim. So my bank wants to complete the payment to the insurance company but they will not do so until the remainder is paid by Advia. Advia has been horribly unreliable and unhelpful. They are still charging us the normal payment for the vehicle that was totaled by insurance only to get what they are supposed to every month. This company should be investigated by someone. We have now paid 3 months of a car payment that was unnecessary because of a lack of their unrepsonsiveness. I will be more than willing to provide evidence of the claim, payments and would almost like to take this company to court. We have since purchased another vehicle while still paying for the vehicle that was totaled. Karmas a b**** And go f*** yourself Advia.

  

  Business response

  11/22/2023

  Advia Credit Union is committed to helping our members navigate unexpected situations as they arise. Advia Credit Union received a settlement from the members insurance company and has requested an expedited refund for the members service contract products that were added on at the dealership.  The process for us to receive service contract cancellation refunds can take approximately eight weeks to be completed and is outside of Advias control. Once the funds have been received, they will be applied to the remaining loan balance. If the resulting amount is greater than the existing balance, a refund will be issued directly to the member. If there exists a remaining balance after the refunds and if the member has a *** insurance policy, the member should initiate a claim on that *** policy. If *** was purchased directly from Advia, the *** claim can be initiated directly with us.  If *** was purchased through a dealership, the *** claim would be initiated directly with the *** insurance carrier.
  
  For financial security and privacy matters, we do not provide specific account details on public forums, including this site. We always encourage members to contact us at ************ to allow us to assist with any account services.
  

• Initial Complaint

  09/12/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  My dealership sent a gap refund that we have proof was cashed July 26th, 2023. As of 9/12/23 this has yet to be credited to me or my account in the amount of $714.48. I have sent proof of this to Advia as recently as 8.25.23. The service rep ************************* will not reply or provide an update. There is an indirect refusal to work on this and get my money. Interest is accruing that I should not owe.

  

  Business response

  09/19/2023

  Advia Credit Union is committed to helping our members navigate situations that arise. We have been in contact with the individual who posted this concern and were able to resolve the issue.
  
  For financial security and privacy matters, we do not provide specific account details on public forums, including this site. We always encourage members to contact us at ************ to allow us to assist with any account services.

• Initial Complaint

  08/06/2023

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  Ive tried contacting customer support 30+ times and just keep getting hung up on my card is stuck in the atm along with my money that I tried depositing this Advia atm is not connected to a bank and I have no idea how to resolve this issue and they are no help

  

  Business response

  08/10/2023

  Advia Credit Union appreciates the opportunity to review your situation to ensure that we are serving our members in the best way possible.  After contacting the member, it was discovered that the member is making an inquiry on an account they do not have access to. We have requested the member to notify the account holder and explained the process for disputing the *** transaction. The impacted member will need to contact Advia Credit Union to process the dispute and investigate the claim.

  
  For financial security and privacy matters, we do not provide specific account details on public forums, including this site.  We always encourage members to contact us at ************ to allow us to assist with any account services.

• Initial Complaint

  03/28/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I get a bonus check every year. I called to have the "hold" lifted, because I wanted to pay some serious bills. I was told by ****** , that's not possible, because they don't have the funds available and it is their policy to hold it for 7 days. However I would have access to $2500 right away. I deposited the check on Friday March 17. Today is March 27 th. I wish they would put a 7 day hold on taking NSF fees out. If that were the case, I would have hundreds of more dollars to my name, because by the time the 7 day hold was up, I would have sufficient funds available. Also I like the way they get $7.00 just to transfer ur positive funds.... From one account to another, because you have your money in the "wrong" account. So much for free checking ?????? And I don't believe they are for the people or even live by their motto. It is difficult to get any kind of beneficial help at this institution, but they sure do get all of their fees and charges. And to top it off , they divided my bonus into separate deposits, they don't just wait the 7+ days and deposit the lump sum...it is put in increments. I'm guessing to their benefit.Totally stinks . As if life isn't hard enough.Unbelievable. Thanks a whole lot Advia...I've been a customer for 40 + years and this is what I get. All I want to do is pay my bills.

  

  Business response

  04/04/2023

  Advia Credit Union appreciates the opportunity to review your situation to ensure that we are serving our members in the best way possible.  When checks are deposited remotely, there are risk-based holds that are placed on those funds in different increments.  Through the utilization of tiered increments, Advia releases a portion of funds to our members earlier than our standard hold period which provides a better experience than placing the entire check deposit on hold. All holds are based on business days, not calendar days and these funds were released on March 28th.
  
  Advia takes concerns about fees seriously. After researching this account we can see that no NSF fees were incurred while funds were on hold.
  
  For financial security and privacy matters, we do not provide specific account details on public forums, including this site. We always encourage members to contact us at ************ to allow us to assist with any account services.

• Initial Complaint

  02/03/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  The credit union recording the mileage incorrectly on my car so when I went to sell it I was told I cant do so since there is a discrepancy with the CarFax report. I called Advia - they acknowledged it was their error and told me someone would call me back the next day to let me know how they were going to rectify it. A week later I heard nothing and called again and was told "it doesnt affect your loan so we are doing nothing" I am now stuck with a car that I can sell and which is now devalued become of this company.

  

  Business response

  02/10/2023

  Advia Credit Union is committed to helping our members navigate situations that arise. We have been in contact with the individual who posted this concern and are working with them to provide a satisfactory resolution.
  
  To maintain privacy related to individual financial transactions, we limit the level of information we post on public forums, including this online channel.  We always encourage members to contact us at ************ to allow us to assist with any account services.

  Customer response

  02/10/2023

   
  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.
  
  Sincerely,
  
  *************************

• Initial Complaint

  01/25/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Multiple insurance coverages when ***************************** received all my insurance information on any and all switch of coverages ! She hasnt updated my address hasnt answered emails and billed me numerous times including telling my ex she was still on my account to pay her camper that way when my ex was supposed to be removed in November and the camper as well. I have been cursed at lord to and treated horrible upon inquiring on all my bank issues including using my insurance plans for coverage resulting from a surgery and car accident

  

  Business response

  02/03/2023

  Advia Credit Union appreciates the opportunity to review your situation to ensure that we are serving our members in the best way possible. It is of the highest priority to Advia that we always speak to our members with respect and courtesy. An employee from Advia Credit Union will be reaching out to further discuss your specific concerns.  
  
  For financial security and privacy matters, we do not provide specific account details on public forums,including this site. We always encourage members to contact us at ************ to allow us to assist with any account services.

• Initial Complaint

  12/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  in august of 2022 i submitted my bank information to advia credit union to make a payment for a personal loan that i have with them . I guess the payment was rejected because advia said that the account couldnt be found. i did recieve a confirmation email saying the payment went through in august.I pay every month with the same account information and **** of america confirmed the account was open and active and there shouldnt of been any reason why the account wasnt found. also there was funds in the account at the time.in december of 2022 I spoke to *************************** at advia credit union and she said that the person at advia mightve not put in the correct information at the time the payment was submitted. i have never been late on my payments and now advia reported a late payment and denied my dispute because they dont want to admit they made a mistake.I am trying to buy a house and now i cant because of that late payment.They are pointing fingers at each other meanwhile my credit score dropped and i have to suffer even though it wasnt my fault. The reps i spoke to today were being rude and only said advia was not taking responsibilty.

  

  Business response

  01/05/2023

  Advia Credit Union appreciates the opportunity to review your situation to ensure that we are serving our members in the best way possible.  When payments are processed electronically, accuracy is needed to ensure proper posting.  Any missing digits on account numbers and/or card numbers from other financial institutions would cause a payment to be returned. We have reached out to this individual to ensure that the payment is being processed correctly and to assist in the credit bureau correction.
  
  *** financial security and privacy matters, we do not provide specific account details on public forums, including this site.  We always encourage members to contact us at ************ to allow us to assist with any account services.

• Initial Complaint

  12/20/2022

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  11/2021 my vehicle was repossed by advia credit union due to failure to pay after a financial hardship. Once the vehicle was taken they continued to say that the loan was going unpaid. i have requested it be closed out so i can get on a payment plan to pay off the loan. i will not make the normal monthly loan payments. the car was signed over to me free and clear so i own the car fully. this makes the loan no longer a secured loan. I am not paying for a car loan that does not have a car attached to it. it is an unsecured loan now. my credit has been damaged severely due to their neglagence.

  

  Business response

  12/23/2022

  The Credit Union released the lien on the collateral, but the contractual obligation remains. This does not alleviate the members responsibility in fulfilling the loan repayment requirements, as outlined within the signed lending agreement. For security and privacy matters, we do not provide specific account details on public forums, but we have confirmed that the status of the loan is being reported correctly, in accordance with the lien release.
  
  Our Collections Team has discussed the status of this loan with the member, but we encourage any members with account questions to contact us at ************ to allow us to provide individualized account service. 

• Initial Complaint

  12/11/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I was scammed by a friend. He told me to give him my banking information and he would send me ******** to visit him in ******. He then told me that he accidentally sent me ******** and needed me to send him ******** back in which I did. The next morning I received a call from advia saying the check had bounced and that I had to pay the ******** back. This happened 4 months ago and I still have questions that they refuse to answer. They took my debit card and made me go to the social security administration and give them a new account number. They told me that ssa had rejected my new account number. *** told me that they don't do that. It took me two weeks to get $. Now my wife is experiencing the same. What should I do? Respectifully-************************

  

  Business response

  12/16/2022

  We appreciate you bringing this to our attention and we have worked with you to resolve the challenges you experienced with your new account numbers. Electronic direct deposit transactions require the account information (electronic account number, known as ones MICR, and financial institution routing number) to be correct in order for the funds to be deposited correctly into a members account.  
  
  Advia encourages all members to stay vigilant against scammers,however it is ultimately the responsibility of our members to manage the risk they are taking when accepting checks from others as form of payment or gift.
  
  For financial security and privacy matters, we do not provide specific account details on public forums, including this site.However, our *************** team has been in contact with this individual to help alleviate any questions or concerns regarding this matter. We also always encourage members to contact us at ************ to allow us to help provide individualized account service.  

*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. ↩