ComplaintsforAdvia Credit Union

• Initial Complaint

  12/05/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  The courtesy pay charges are ridiculous. It will show that I have money in my account and then if there is a pending transaction that hasnt even gone through it will charge the courtesy pay even though I transfer money into the account before it officially comes out. This has happened at least four times and at $35 each time it is incredibly frustrating. Especially when I do actually go into the negative because of the courtesy pay. What sense does that make? When the bill comes out and there should be say 20 dollars left it charges me the courtesy pay and Im $15 in the red. Also stupid if theyre going to charge me the $35 they dont just charge the $7 to transfer money from one of my other accounts. Dont bother with them. Just pick a different bank.

  

  Business response

  12/09/2022

  Advia Credit Union is committed to providing financial education and assistance to our members. For member privacy concerns, it is our practice not to provide specific financial content on public forums. However,we will reach out to this individual to work to provide a resolution. As indicated within our Member Agreement, Advia uses the available balance to determine whether an overdraft or Courtesy Pay fee will be imposed. The available balance is calculated based on the money available in the account to make payments and takes into account transactions that have been authorized,but not yet settled. Both of the accounts actual and available balances are available for review when the account is accessed online, at an ATM, by phone,or at an Advia branch. We also encourage members to reach out to Advia or visit our website for information on Advias various overdraft protection plans. 

  Customer response

  12/13/2022

   
  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

  10/10/2022

  Complaint Type:

  Product Issues

  Status:

  Answered

  More info

  I have tried to contact this business by phone, online chat, there website. They do not provide any way to communicate. I spent several hours on hold, the menu pics on there website initiated no activity.

  

  Business response

  10/12/2022

  Thank you for posting this concern. Our goal is for our members to experience easy access to our products and services, including methods to connect with us. We apologize that you experienced challenges communicating with our team via digital channels. We have alerted our member service team,and they are working to reach out to you based on the contact information we have on file. We will also work to provide quick resolution to whatever member service question or concern you may have experienced while attempting to contact us.  Finally, well work to identify the root cause of the challenges you experienced attempting to connect with us.   

• Initial Complaint

  09/13/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  This credit Union cashed a check with my name and my fathers name on it where my father forged my signature and I am not on the account. I got a copy of the check from the insurance company who issued it which clearly shows his signature and my forged signature

  

  Business response

  09/19/2022

  *****, thank you for bringing this complaint to our attention. It is our practice to not provide personal financial details on public forums such as this site.

  Regarding accepting and cashing checks made payable to two parties, Advias process typically includes asking both individuals to be present and provide valid identification and signatures at the time of check presentment, however other verification methods may also be used. While researching this situation further, our member service team has reached out to both parties referenced on this check to secure resolution.

  Thank you again for bringing this to our attention and for working with our member service team to help resolve any financial hardship you may have incurred resulting from this transaction.   

  Customer response

  09/20/2022

   
  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

  06/07/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  I cosigned my daughter to open a checking account with advia CU when she was 17 years old. She is now 19 y/o. Last December and January,2022,she was in and out of the psychiatric hospitals . She was diagnosed to have schizophrenia. She was treated and discharged from the hospital last February but to continue medication and therapy at home. When she came home, i do not know she was seeking for a job online ..She found a modeling website promising her of being a model. They started giving her compensation thru her checking account with advia ,even without doing anything. They took advantage of her state of mind. Then the scammer convinced her to send the money thru paypal to the phone numbers the scammers provided to her. She did use PayPal to send money.The scammer stopped sending money but still asking my daughter to continue sending money thru paypal. I received the overdraft letter from advia and called them immediately. Advia said they closed the account and ask us to pay the $3,800 overdraft money she sent to PayPal. We agreed to pay $500 per month when I called them.After a week they took $5,400 in a lump sum from the checking account of me and my husband . I felt betrayed and called them right away about our agreement. They answered and told me there's nothing they can do. So then I have overdraft fees because our bills are coming in to be paid but there's no money because they took $5,400 which is way more than the $3,800 my child owed them.I told them, If my daughter is not mentally stable she would have not agreed to these transactions but they said what did I do as a mother to prevent this? They blamed me. As if we did not suffer enough going thru this mental illness in our family.I am devastated with advia, we have been banking with them throughout these years but they care less.I hope we get help from anybody to reprimand advia, to get back our money and to let other people know about how we are treated by this bank.

  

  Business response

  06/15/2022

  Advia Credit Union is committed to helping our members navigate challenging financial situations.  To maintain privacy related to individual financial transactions, we are limited to the level of information we post on public forums, including this online channel. We have been and will provide further contact to the individual who posted this concern separately. Advia works to protect our membership from financial scams and sympathize greatly with those who fall subject. We work to provide resolution within the confines of our member account agreement, including but not limited to reasonable repayment options when required. Joint account holders are liable for debts owed, as per our member agreement, and may have other accounts held offset to resolve these debts when payment agreements are not honored by the individual(s) involved. Advia Credit Union will be reaching out to this member to further discuss their concerns. 

• Initial Complaint

  04/24/2022

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Bank is withholding deposited funds for 5 days when the rules sent to me said the funds would be available within 2 business days. The 5 days applies to new customers. We are 30 year customers, through various bank name changes. Withholding deposits until you are overdrawn, dirty pool. No just checks but cash deposits as well. There have also been overdraft fees taken out when my account that has had plenty of money in the account with no pending transactions. They make up the rules as they go along and contradict their own rules. I spoke to a manager who changed her story about the rules when I had them on my phone right in front of me. She said she couldn't see what I was seeing. How does the customer have access to more information than a bank manager? She twisted the language of the rules to justify overdraft fees. The rules are in two different places, and say 2 different things. The only way you can get anything accomplished is to go in and show proof that they are wrong, because for some reason the have access to your account, same as you, and can't see anything you are talking about. Pay close attention to your account because they take money from it for no reason. They are slow to give it back. It most be reviewed after a request for a refund, even though the discrepancies can clearly be seen on the account history.

  

  Business response

  04/28/2022

  Thank you for submitting this complaint so that we may have opportunity to review our check hold procedures, designed for the overall financial safety and soundness of our membership while also providing great individual member service. In addition to having automated controls based on account activity and check types, we make it a practice to work with members individually to release automated check holds when appropriate. There are no holds placed on cash deposits. With regard to remote mobile deposits (Remote Deposit Anywhere RDA), up to $225 is made available the same day as the deposit, with the full deposit is made available within 2 to 7 days (as stated on our website).Initial holds indicated may be released earlier than stated.
  

  For financial security and privacy matters, we do not provide specific account details on public forums, including this site. However, we are in process of reaching out to this individual to help refund recent associated service charges and help educate surrounding future transaction options to best avoid check holds. We always encourage members to contact us at ************ to allow us to help provide account service. 

• Initial Complaint

  02/28/2022

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  On various dates, numerous dates, Advia Credit Union charged fees to my account even though there was more than enough in the account to cover costs. I have spoken, in person, with their people, at which there was no logical answer as to why this reoccurring fee is happening.

  

  Business response

  03/01/2022

  Thank you for providing a channel for this feedback about Advia’s member service. For member account privacy concerns, it is our practice to not provide specific financially related content on public forums such as this site. However, we will reach out to this individual to work to provide resolution to the complaint.  Also, we encourage review of Advia's overview of various overdraft protection plans here:  *****:/****************/*****************************/

  Nancy L*****

  VP Marketing & PR

  Advia Credit Union

  Customer response

  03/02/2022

  
  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

  02/11/2022

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I have a motorcycle loan and have made my payment every month. I supplied them with insurance everyone asked. I bought this in 2018 suppose to paid off in May 2022. They tell me I still owe 9k with 8k at least being insurance. I do not owe this I even provider the same proof I'm showing here. I kept comp coverage on it for to medical reasons of not driving. Their property was covered. They called my insurance company and asked how they didn't know I wasn't lying.. really like state farm will type something up and lie for me.. how rude you are harassing me at this point. You say you will call back I have heard this for a month now and I have to keep going in. I will now be late but I want a final payoff with no insurance in that ****.

  

  Business response

  02/28/2022

  I am very sorry for such a late response to this complaint.  I've reached out to our lending team to provide resolution for this member. I will add further comment to the outcome as it becomes available. Of note, due to the public nature of this forum, we may be limited to the level of financial information provided on this site. However, the individual will be contacted privately.

  Thank you for contacting Advia Credit Union,

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

  VP Marketing & PR

• Initial Complaint

  10/23/2021

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  I try to by an item online and it simply doesn't go through on the banks end. The order fails despite having the funds and the bank ignores the usage. It's been singled out on the banks end as this isnt the first time this has happened.

  

  Business response

  10/26/2021

  Business Response /* (1000, 5, 2021/10/26) */ Thank you for providing us with details about your transaction concern. For purposes of maintaining the greatest level of financial privacy and to protect our members from identity theft, we do not report individual financial information on public forums, including this site. After researching this situation further, we have identified controls placed on the account that prevents daily transactions over a specific dollar amount. If the joint responsible party on your account contact us at ************, we may adjust those limits to facilitate larger purchases.

*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. ↩