Complaints

This profile includes complaints for Advia Credit Union's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  Advia Credit Union

  6400 W Main St Kalamazoo, MI 49009-9255

  
• 

  Advia Credit Union

  1982 Cranston Rd Beloit, WI 53511-3137

• 

  Advia Credit Union

  825 M 89 Plainwell, MI 49080-1841

  
• 

  Advia Credit Union

  2550 Capital Ave SW Battle Creek, MI 49015-4289

  
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  Advia Credit Union

  901 E Milham Ave Portage, MI 49002-3011

  

The complaint text that is displayed might not represent all complaints filed with BBB. 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.

• Initial Complaint

  Date:04/04/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  So Advia has been using my account as a ******, I guess you could say for them to keep demanding stuff from me. Last year I went with a new insurance company got my insurance when receiving my quote got a lower policy price if I raise my deduct to $1500. So I purchase this insurance, maybe three months past and Advia sent me a letter stating that if I dont get insurance down, I dont get my deductible to the point where Advia is happy they will buy insurance for me and I will have to pay for it. So I have to buy separate insurance pay more monthly for my insurance because I cannot decide Im my own as an adult how much I want to pay for my insurance, Advia gets to decide. A year ago I purchased a vehicle in October 2024 two months later advia sends me a letter saying they have not received the title and that my interest rate is going to go up. I called Advia and explain that I sent the title to the **** The *** will send it to them whenever they do. After the phone call, I felt confident that everythings gonna be OK but a month later my interest rate did go up on that loan instantly even though I have a contract stating Im purchasing this vehicle with this loan at this rate, but yet theyre allowed to change the interest rate with a push of a button. Note, it is important to know that I have been a customer of ********************** for roughly 3 years and never ever skipped a payment. Sent a payment late or stop paying. Ive been an outstanding customer for **********************. I have actually three loans with Advia. So they finally get the title from the state and they return my rate but now April 2025 Im getting more letters in regard my insurance from ****** because guess what I went with a different insurance because I shop around for insurance every time is time to renew. Again, if I dont respond to Advia, theyre gonna use my loan as ****** to raise rate to add insurance to do whatever they feel like doing to the account because they are the God of my account they are in charge.

  

  Business Response

  Date: 04/14/2025

  Advia is in receipt of the above complaint. Advia was notified that the members previous insurance policy had been cancelled. Advia then reached out to the member via text and mail notifications to ensure that updated insurance information was provided. Advias records indicate that the member provided proof of insurance at the end of January and no additional documentation is needed.
  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 directly to allow us to assist with any account services.

  Customer Answer

  Date: 04/14/2025

   
  Complaint: 23160081
  
  I am rejecting this response because:
  
  Advia has not responded to my complaint.
  Sincerely,
  
  ***** *******

• Initial Complaint

  Date:03/29/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I receive two payment from the ************ which has been processed and posted to the account on the 27th or 28th per month because the funds are sent before the 1st per month, not this time. I was further informed that the payments will be processed with 48 hours upon receipt of the funds, that has not happened. The settlement date is the 1st and two days prior would be the 28th of March because funds are not posted on the weekend, based on the information given. The last time this issue started to occur I was informed by the manager at Advia Credit Union to obtain the **** or tracking # from the financial institution that sent the funds, problem no **** or tracking # can be retrieved until the funds sent were processed and posted to the ********** this the new normal of Advia Credit Union, not process and post funds to the account that were received by the credit union before the 1st of every month. I would like the matter looked into. This is not your quality of service

  

  Business Response

  Date: 04/04/2025

  Advia is in receipt of the above complaint. As a benefit of membership, Advia offers members early pay advantage. This enables members to receive access to social security, payroll, tax refunds, and pension deposits one to two days prior to the settlement date, depending on when the payment is received. With this benefit, a payment received and scheduled to settle on Tuesday, April 1, would then be available on Monday, March 31. Government payments may be received a few days prior to their settlement date, allowing members to access their funds even earlier. Members are therefore encouraged to enroll in Advias Digital Banking balance alerts, to ensure they are notified when their deposits are available.
  
  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 directly to allow us to assist with any account services.

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am filing a complaint against Advia for repeatedly preventing me from making payments on my car loan, resulting in unnecessary negative credit reporting for both myself and my father, who is also on the ******* checking account was closed due to unfortunate circumstances of my own doing, and I have been making payments toward that balance. However, this has locked me out of online banking, blocking my ability to make car loan payments. I have:Called multiple times, leaving voicemails with no response.Emailed customer service and collections, with no replies.Worked with ******* in collections, who has not responded in more than a week.Tried phone payments, but was told this is no longer an option.Requested access to Express Pay, but no one could explain why I was denied.Despite my efforts, I continue receiving automated emails stating that my statement is ready, my "Savvy Money" update is available, and that I need to make a paymentyet I have no access to any of ******** a result of their failure to provide reasonable payment options, I keep running into issues. I have received more than two 30-day late marks on my credit report and face another. This is damaging both my credit and my fathers, which is completely unacceptable.Demands for Resolution:1.Remove two 30-day negative credit marks from both my and my fathers credit reports.2.Provide a permanent, accessible payment method to prevent future issues.3.Issue a formal, written, dated, and signed letter confirming these resolutions.If this matter is not resolved promptly, I will escalate my complaint to financial regulatory agencies and consider further action. I expect an immediate response.Sincerely,****** ******* ******* ****** ********** or ************************ ******************************************

  

  Business Response

  Date: 02/27/2025

  Advia is in receipt of the above complaint. We understand the members frustrations and have reached out to discuss next steps. Due to the status of the account, current payment options are limited to in branch or over the phone.
  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 directly to allow us to assist with any account services.

• Initial Complaint

  Date:01/31/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was on a deferment with the merchant and a payment was processed today. Yet the company still reported my as being delinquent to the credit bureaus! This is unexceptable and deceptive practices from the company!

  

  Business Response

  Date: 01/31/2025

  Upon reviewing the complaint, it appears that this individual may have submitted a complaint against Advia Credit Union in error. If that is not the case, Advia will need additional details as to the nature of the complaint in order to address this individual's concerns. 

  

  Business Response

  Date: 02/05/2025

  Advia is in receipt of the above complaint. In reviewing the matter, we have found that the loan is reporting correctly, and the initial extension had passed at the time the payment was processed.
  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 directly to allow us to assist with any account services.
  

• Initial Complaint

  Date:12/18/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was approved for a feature/service Advia bank offers on 11/25/24. A fraudulent transaction took place on my account on 11/27/24. A credit was issued by Advia bank on 12/17/24. I am now being told the "Courtesy Pay" feature is no longer available due to not meeting the criteria of the account not being in a negative status in 35 days. If the fraudulent transaction would not have taken place the account wouldn't have gone into a negative status. I have spoken to Managers to assist with the matter and gotten absolutely nowhere!

  

  Business Response

  Date: 12/20/2024

  Advia Credit Union is in receipt of the complaint listed above and has reviewed the account activity. Courtesy Pay is extended to members with a checking account in good standing. Good standing includes making deposits sufficient to cover transactions and bringing accounts current at least once every 30 days. Qualification for Courtesy Pay is based on a 35-day look-back period of total deposits made. Members may move from one tier to another or be removed from the program on a daily basis depending on the standing of their account. If a member loses their overdraft tolerance due to a negative share balance, they may be eligible for reinstatement of Courtesy Pay once the account is brought current.
  

  Due to the timing of the fraudulent transaction and the issuance of provisional credit to the account, the system reinstated Courtesy Pay as of December 18, 2024. We have reached out to this member directly to communicate this information. 
  

  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 directly to allow us to assist with any account services.

• Initial Complaint

  Date:11/27/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im having issues with Advia credit union. Im not sure what needs to be done but every time I call its always an issue and their information is ALWAYS incorrect. It keeps saying in their system Im so many days late for a payment when its not true. Every time I try to make a payment its an issue. When I try to call today to get my online account unlocked they said they couldnt because its 45 days passed due and I know its not. Im sick of dealing with this BS and no one knows what they are doing and want to argue with me when I tell them they are wrong. Notes are always supposed to be done but it seems like thats a LIE or people dont read them. Im getting to the point of taking legal action because this is hindering my credit score. So someone better fix this problem ASAP

  

  Business Response

  Date: 12/06/2024

  Advia Credit Union takes the concerns of its members seriously and has conducted a full review of this members loan history. We have determined that there is no error in how the loan is being reported.

  For financial security and privacy matters, we do not provide specific account details on public forums, including this site, however, we encourage this member to reach out to our team directly at ************ so we can discuss next steps and work with her to bring the loan into good standing. 

  Customer Answer

  Date: 12/10/2024

   
  Complaint: 22614166
  
  I am rejecting this response because: There have been numerous issues with how my account has been handled. Im not satisfied with how its been handled and how I have been treated as a customer. Your agents dont know how to do their job or speak to people properly. 
  
  Sincerely,
  
  ******* **********

  

  Business Response

  Date: 12/10/2024

  Advia has received our member's response, and we would like for the opportunity to assist this member and work with her on next steps. 

  For financial security and privacy matters, we do not provide specific account details on public forums, including this site, however, we will be reaching out to this member personally to discuss her loan. 

  Customer Answer

  Date: 12/10/2024

   
  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

  Date:11/09/2024

  Type:Order Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  In August 2023, I refinanced my truck loan with Advia Credit Union at 8.64%. In April 2024, they increased my rate to 25% without any communication. Despite my consistent bi-weekly payments of $443.23, the loan balance stayed at $46,700.86 for over 5 months. I later discovered this was because they hadn't received the vehicle title, though they never contacted me about needing it.While their loan agreement allows for a rate increase without the title, it requires reasonable notification. They have my email, phone number, and address - all of which they actively used to solicit the original loan with me - yet couldn't use any of these to warn me about an impending rate increase that would cause a major financial setback. I received no letters, emails, or calls about needing the title. There was no notification about the 25% interest rate increase and no communication before this drastic change.Approximately $4,875 of my payments went purely to inflated interest - which by the end of the loan term would cost me nearly $8,000 due to compounding interest. The rate was only reversed in October 2024 after they received the title. Their failure to provide required notification is costing me thousands in unnecessary interest charges. They've stopped my auto-pay on the loan without notice, ignored my request for a copy of my contract for the past 3 weeks, and no longer respond to any emails. They refuse to address these issues.I strongly recommend potential customers carefully review all loan terms and consider other lenders.

  

  Business Response

  Date: 11/18/2024

  Advia is in receipt of the complaint listed above and has reviewed the account in question. It was confirmed that on March 22, 2024, Advia did send a mailing with 30 days notice to the address the member had on file. However, it is also Advias process to reach out the member during the lending process to verbally confirm the title and lien requirements. Advia was unable to confirm if that notice had been provided to the member, and as a courtesy, is refunding the increased interest accrued. 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 directly to allow us to assist with any account services.

  Customer Answer

  Date: 11/21/2024

   
  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

  Date:09/19/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Advia cr union,I asked to borrow 1000$ denied as I had a child murdered in ********** I'm responsible adult and could get no assistance. I don't know what happened but now advia is taking my SS check.going to put 74 year old veteran on the street whom is on oxygen. I just want to fix what is wrong. This is the only banking institution I've ever been to. Credit union has done wrong by me don't know how to fix it.Please can you help me?

  

  Business Response

  Date: 09/25/2024

  Advia is in receipt of the complaint listed above and has reviewed the account in question. In addressing these concerns, Advia wants to assure our member that their checks are being correctly deposited into their account. When there is a negative balance on an account, subsequent deposits into that account are applied to the negative balance. This offsetting is why the amount of the deposit may be higher than the actual balance of the ****************************** also reviewed the loan application, and determined the reason for its denial was based on approved decisioning factors related solely to the ability to repay. Advia is reaching out to this member directly, to discuss their options and answer any additional questions they may have.
  
  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 directly to allow us to assist with any account services.

• Initial Complaint

  Date:08/25/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I'm with advia credit union in ******************* its nice when they pay my bills on autopay if the money is not there then they charge a pay courtesy fee which is fine but not on every transaction it should be a one time feel. I'm on a fixed income and advia wants to take $300-$400 evey month which i do not have any money after that. I want to get everything caught up but it will not happen because of advia for taking out the fees on every transaction. I had more last month that was owed and they only charge the one fee and now they want to charge $29.50 for every transaction it should be a one time fee. It was nice that they put two of the fees back but if they did not i would have been charged 5 times with that fee its uncalled for.

  

  Business Response

  Date: 09/05/2024

  Courtesy Pay is a discretionary service that covers checks,re-occurring bill payments, and other pre-authorized payments in the event a members available balance is not sufficient. It is intended to offer members peace of mind, by ensuring important transactions are paid. Courtesy Pay is subject to a service charge for each automatic bill that is covered. We understand that each members circumstances are different, which is why Advia offers members the ability to choose from different overdraft protection options or to refrain from enrolling in overdraft protection all together.
  

  For financial security and privacy matters, we do not provide specific account details on public forums, including this site.Instead, we are reaching out to this member directly to discuss his financial situation.

• Initial Complaint

  Date:07/29/2024

  Type:Product Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was scammed for $400 when my email was hacked and someone used my information to send the money to the *******. Advia is denying my fraud claim due to **** policies which is illegal. The **** states they cannot deny me from filing a fraud claim, which they did on 7/29/2024.

  

  Business Response

  Date: 08/02/2024

  Advia Credit Union is committed to supporting members who are dealing with financial difficulties due to third-party fraud. After a thorough review of this case and the member's statements, it was determined that the transaction was carried out by the member and not an external party. As the funds were directly transferred by the member without any third-party interference, such as hacking, Advias ability to recover the lost funds was restricted.
  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 directly to allow us to assist with any account services.

  Customer Answer

  Date: 08/02/2024

   
  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,
  
  ***********************************