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.

close

Find a Location

Advia Credit Union has 36 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  Advia Credit Union

  6400 W Main St Kalamazoo, MI 49009-9255

  
• 

  Advia Credit Union

  8224 N 32nd St Richland, MI 49083-9698

  
• 

  Advia Credit Union

  4308 W Main St Kalamazoo, MI 49006-2787

  
• 

  Advia Credit Union

  6869 W Q Ave Kalamazoo, MI 49009-4092

  
• 

  Advia Credit Union

  24032 Red Arrow Hwy Mattawan, MI 49071-9390

  

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:09/12/2023

  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.

  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

  Date: 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

  Date:08/06/2023

  Type:Product 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.

  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

  Date: 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

  Date:03/28/2023

  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 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

  Date: 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

  Date:02/03/2023

  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.

  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

  Date: 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 Answer

  Date: 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

  Date:01/25/2023

  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.

  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

  Date: 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

  Date:12/28/2022

  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.

  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

  Date: 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

  Date:12/20/2022

  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.

  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

  Date: 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

  Date:12/11/2022

  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 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

  Date: 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.  

• Initial Complaint

  Date:12/09/2022

  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 recently started a small, one person business and opened a business account (within the past 90 days) with Advia. I met with a lady who helped me open the account and we went over details and questions and she was very friendly and helpful. During our discussion, nothing was ever brought to my attention about Advias check hold policy, which from what they told me today, has no set rules and changes person to person. I deposited a check a couple of weeks ago from a customer and they put a 5 day hold on it. At the time it was not a big deal as I was not starting the job for another week. The check was for $1200 or so and I found it odd that they would hold that small amount and not release even a small portion of the funds to me. Today, I went to deposit another check, this time for $1600 and the same thing. 5 day hold. I told the clerk that I need to buy materials for this job with this money and I have to start on Monday. I don't have the capital to just front money for every customer. I explained this to the clerk, he talked to management and they said I was out of luck. Im supposed to pick up another check tomorrow for a job I completed 2 weeks ago and they said they would put a 5 day hold on that one too! How am I to keep my business running if I have to wait 5 days to get the money from every check I cash? I knownits because my account is new but I have worked with other credit unions that NEVER put a hold on my checks unless they were over a certain amount. This policy should have been clearly communicated to me in my initial meeting to set up my account. Had I known this would happen, I would have taken my business elsewhere. Now I'm stuck with angry customers because I can't complete there jobs and I have no money available to immediately run my business. This is not a very "small business " friendly approach. I don't have time to wait for my account to mature for the holds to be eliminated. I need to conduct business NOW to make a living.

  

  Business Response

  Date: 12/15/2022

  Thank you for submitting this complaint to allow us the opportunity to further 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 longevity, activity, and check types, we do make it a practice to work with members individually to release check holds when appropriate. Please note that our automated check hold procedures are determined at the account level, rather than at the individual level. For example, if a new account is opened by a long-term member, the automated check hold process on the new account does not consider other accounts held with Advia by the same individual.  
  
  For financial security and privacy matters, we do not provide specific account details on public forums, including this site. However, we are in the process of reaching out to this individual to help alleviate any questions or concerns regarding this matter. We always encourage members to contact us at ************ to allow us to help provide individualized account service.  

  Customer Answer

  Date: 12/19/2022

   
  Complaint: 18552460
  
  I am rejecting this response because:

  The response does not address the fact that the check hold policy was never brought up when I was in the process of opening my new business account. Yes it is in the paperwork Im sure , but check holds ,especially for small businesses are a very big deal and that is something that should be brought to the new account holders attention right off the bat so that they can work out any discrepancies the holds might cause before a problem arises.

  because this was not done in my case , It resulted in me spending over 30 minutes in the drive-through with my verbally unhappy autistic five-year-old in the back of my truck , trying to figure out how I was going to get money to buy the materials for the job I had to do the next day. With the money the customer had just paid me. Had I known it was going to be that much of a process, ( the tell her calling back-and-forth to the main branch to speak to a manager multiple times about this) I wouldve just come inside the building from the start. I also would have stopped in later in the day as opposed to right after I picked my daughter up.

  The whole thing just made for a very frustrating experience. This all couldve been avoided had the check hold policy been brought up during the initial account set up.

  After the drive-through ordeal they agreed to lower the hold to two days and make some of the funds available immediately. When I got home and looked at my receipt I noticed none of that had happened . it was still a five day hold with no funds available. That made the whole 30+ minute drive to ordeal seem worthless. I had to get on the Advia chat with an employee and explain the whole thing to them so that they could figure it out. 
  

  thankfully they did . they were able to contact a manager , explained  the situation and they worked with me without a problem lowering the hold to two days and making some of the funds instantly available. So my problem is solved but I do feel that it needs to be a priority of the credit union to make sure this policy is brought up when people are opening accounts. For some businesses it might not matter that much but for others, like mine , it can make or break a job. 
  

  thank you
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 01/06/2023

  Advia Credit Union connected with this member to further discuss his concerns regarding the communication of the check hold policy at time of account opening.  As a result of our conversation, Advia will increase internal staff training on our check hold policies to ensure proper communication of these policies to our members at account opening.   

• Initial Complaint

  Date:12/05/2022

  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.

  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

  Date: 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 Answer

  Date: 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,
  
  ***********************************