ComplaintsforAdvia Credit Union

• Initial Complaint

  11/09/2024

  Complaint Type:

  Order Issues

  Status:

  Resolved

  More info

  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

  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 response

  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

  09/19/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  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

  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

  08/25/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  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

  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

  07/29/2024

  Complaint Type:

  Product Issues

  Status:

  Resolved

  More info

  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

  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 response

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

• Initial Complaint

  07/08/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Yes I have tried to use my debit card several times and there have been issues about the pin number. I have called five times to resolve this and it has not been resolved I've been consistently told it was my fault for using the wrong **** It was supposedly misused at the postal office so I'm sure they'll have records of it. Then when I tried to change the **** Two time, I was told I had the wrong security code on the back and even though it checked out and it was not the wrong security code as of this date unable to use card, do not have a vehicle to run down conveniently to check. It has run up to over 2 hours of my time wasted on your inadequate and antiquated system. This has happened before there's problems with how little you care about parchment and from what I can gather online for many many of your customers.

  

  Business response

  07/22/2024

  Advia Credit Union is committed to ensuring our members have access to their financial products and services, and we understand the frustration experienced when that access is interrupted. This members debit card was due to expire in August, and a new card was automatically re-issued via the mail. When a new debit card is re-issued,members must wait to receive the card in order to reset their PIN, because of the new security code on the card. Advia has attempted to contact the member and has not yet received a response. However, our records indicate that the member should receive their new card this week.
  
  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

  06/20/2024

  Complaint Type:

  Order Issues

  Status:

  Answered

  More info

  Notification of Invalid Contract and Lack of Response to Previous CommunicationI am writing to formally address an issue concerning a contract that was entered into on July 30, 2022, between myself, ***********************, Advia Credit Union, and ******* Cadillac of Lincolnwood. It has come to my attention that the aforementioned contract is invalid due to TRUTH IN LENDING disclosures being wrong making this contract invalid.On 05/22/2024, I sent a certified letter (Receipt Number: **********************) to Advia Credit Union , outlining the reasons for the contract's invalidity and requesting a response to resolve this matter amicably. Unfortunately, to date, I have not received any response from Advia Credit Union.The lack of response is concerning and has caused significant distress. I kindly request that Advia Credit Union and ******* Cadillac of Lincolnwood acknowledge receipt of my previous communication and provide a prompt response to address the invalidity of the contract and propose a resolution.Please note that continued non-response will leave me with no choice but to consider all available legal options (AAA) to resolve this matter.I hope we can settle this issue swiftly and amicably. Thank you for your immediate attention to this matter.Enclosure: Copy of the certified mail receipt (Receipt Number: **********************)

  

  Business response

  06/27/2024

  Advia is in receipt of the complaint referenced above and has reviewed the loan in question, including the sales and retail loan installment contracts. In our review, we re-calculated the sales price,license, titles, and tax fees, electronic fund transfer fee, document fee, and warranty and GAP contract fees. Those amounts together equate the total amount financed, which upon our review, was calculated correctly.
  

  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

  06/17/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  We purchased a vehicle and got a loan from advia. Three years ago they told us they would take care of the title with all the info my wife gave them. This week they changed our interest rate from 1.99 to 25% stating they don't have the title. I see multiple others complaining that the same thing was done to them. Why do I have to jump through hoops to fix a mistake on their end. Now I am forced to pay the loan in full because I do not trust this credit union enough to go to the dmv and send them a title. Even after my wife sent them all the emails and texts that show they dropped the ball they are claiming there is nothing they can do.

  

  Business response

  06/27/2024

  Advia Credit Union is in receipt of the attached complaint and has performed a full review. At the time of a loan closing, members are provided with a one-page document with step-by-step instructions for completing the required lien perfection and returning the proof to Advia. Due to the Covid-19 pandemic, Advia choose not to enforce the sixty-day timeline requirement by raising member interest rates who failed to provide evidence of lien perfection.
  
  On April 1, 2024, letters were mailed out to any members with unvalidated Advia liens, again reiterating the proof of lien requirement and providing a 60-day period to complete the task. On June 1, 2024, members that still had not completed the lien verification requirement were sent an additional letter advising them that this task was still outstanding and that their interest rate had been increased to 25%, pursuant to the terms of their loan agreement and that Advia will return their interest rate to the original terms once proof of lien placement is provided.
  
  However, as a courtesy to our members, we are lowering and refunding the increased interest rate for an additional period of time in order to provide a greater opportunity for members to perfect the title.
  
  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 to allow us to assist with any account services.

  Customer response

  06/28/2024

   
  Complaint: 21863180
  
  I am rejecting this response because: we were guaranteed that the information we provided was to your standards. Your staff dropped the ball,and refused to fix your issue. We took money out of our savings to close our loans with Advia. Sorry you felt $10 was enough to loose a  customer. No worries plenty of other options out there.

  
  Sincerely,
  
  ***************************

  

  Business response

  07/10/2024

  We have received the members follow up comments, and again reiterate our above response. At the time of loan issuance, Advias lending contract requires that we be listed on the title of the vehicle. We understand the members frustration, and we again wish to assure him that even though perfected title continues to be a requirement, the increased interest accrued will be refunded and lowered to the original rate. This member is not out any funds, and we regret that this member had a negative experience.
  

  As always, we encourage members to contact us directly to allow us to assist with any account questions.

• Initial Complaint

  05/21/2024

  Complaint Type:

  Billing Issues

  Status:

  Answered

  More info

  Complaint:I'm filing a complaint against Advia Credit Union for unlawfully denying my credit extension rights. On May 2, 2024, I applied for a $4,000 no-collateral signature loan (Loan Number: ******). Despite being the cardholder and holder in due course, my application was orally rejected over the phone. Questions and Concerns: 1. Denial of Loan: - Why was my application denied when I, as the cardholder, initiated it? - On what grounds does Advia Credit Union deny consumer credit, given "adverse action" doesn't cover such denials? 2. Right to Extend Credit: - How does Advia Credit Union justify denying my credit granting rights under USC 1602? - Can Advia Credit Union clarify why it disregarded my position as the original creditor as per USC 1602(g)? 3. Adverse Action and Reporting: - Why did an inquiry appear on my consumer report post-denial, constituting a transaction record? - How does Advia Credit Union address the lack of provision for denying a natural person credit in FCRA's definition of "adverse action"? 4. Damages and Discrimination: - How does Advia Credit Union reconcile its actions with USC 1691 against discrimination? - What measures will Advia Credit Union take to address the distress caused by this denial? 5. Compliance with GAAP: - Does Advia Credit Union ensure its denial procedures comply with GAAP? - How does Advia Credit Union ensure transparency and accuracy in its financial reporting and loan approval processes as required by GAAP? 6. **BBB Compliance and Consumer Rights:** - How does Advia Credit Union ensure compliance with BBB standards? - What steps does Advia Credit Union take to ensure unbiased credit decisions in full compliance with BBB standards? I request Advia Credit Union reconsider my application and remove any adverse actions from my consumer report. Your prompt attention to this matter is appreciated. Account Number: ********

  

  Business response

  05/23/2024

  Advia Credit Union is in receipt of the response referenced above. Upon review of our records, the member does not have a credit card on file with our organization. The loan application was reviewed and properly denied in accordance with all applicable regulations, as well as Advias own internal procedures. An adverse action notice was properly provided in fulfillment of the Fair Credit Reporting Act, which requires notice to an individual in the event an application for credit is denied for one or more of the denial reasons included within the Act. GAAP refers to Generally Accepted Accounting Principles that govern corporate reporting and is not related to consumer applications of credit.Similarly, while Advia Credit Union adheres to all BBB principles, guidance related to the extension of credit is derived from state and federal regulations, which Advia Credit Union has fully complied with.

  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 response

  05/27/2024

  
  
  **Complainant:** *************************; 
  **Credit Union:** Advia Credit 
  
  **Complaint:**
  
  I am responding to Advia Credit Union's recent communication regarding the denial of my credit application. I maintain that the denial of my $4,000 no-collateral signature loan application (Loan Number: ******) was unlawful and did not comply with federal regulations or my rights as a consumer.
  
  **Key Points and Legal Citations:**
  
  1. **Denial of Loan:**
     - **Credit Card Issue:** The presence or absence of a credit card on file is irrelevant to the application for a no-collateral signature loan. According to 15 USC 1602(l) and 15 USC 1602(n), the term "credit" encompasses the right granted by a creditor to defer payment of a debt, regardless of the specific form of the credit instrument. My application for a loan, initiated by me as the cardholder and holder in due course, should be evaluated on these grounds, not the presence of a credit card.
     - **Right to Extend Credit:** Under 15 USC 1602(e), "credit" means the right granted by a creditor to a debtor to defer payment of debt or to incur debt and defer its payment. As the original creditor, I am entitled to grant *********************** Denying my application without lawful justification infringes on this right.
  
  2. **Adverse Action and Reporting:**
     - **Inadequate Reasons for Denial:** The Fair Credit Reporting Act (FCRA) under 15 USC 1681m requires a specific and valid reason for credit denial. None of the reasons listed in the adverse action letter provided by Advia Credit Union justify denying my right to extend credit as defined under federal law. The term "adverse action," as defined in 15 USC 1691(d)(6), does not include lawful credit extension initiated by a cardholder.
     - **Credit Inquiry:** An inquiry appearing on my consumer report without fulfilling the transaction constitutes a misuse of my credit information, as per 15 USC 1681b. This action suggests an incomplete or improper handling of my credit application.
  
  3. **Damages and Discrimination:**
     - **USC 1691 Protections:** The Equal Credit Opportunity Act (ECOA) under 15 USC 1691(a) prohibits discrimination in credit transactions on the basis of race, color, religion, national origin, ***, marital status, or age. Denying my application without a valid and lawful reason constitutes discrimination and has caused undue mental and financial distress. The denial appears arbitrary and lacks a basis in federal law.
  
  4. **Compliance with GAAP:**
     - **Misinterpretation of GAAP:** Advia Credit Union's assertion that GAAP is unrelated to consumer credit applications demonstrates a fundamental misunderstanding of these principles. GAAP encompasses a comprehensive framework that ensures all financial activities, including credit transactions, are accurately recorded, reported, and justified. Proper application of GAAP requires:
       - **Transparency:** GAAP mandates transparency in all financial dealings, ensuring that every credit application and its outcome are clearly documented and supported by factual evidence. According to the Financial ************************** (FASB) Concepts Statement No. 1, financial reporting should provide information that is useful to present and potential investors and creditors.
       - **Accuracy:** GAAP requires that financial statements reflect accurate and honest representations of an organization's financial position. This includes ensuring that the reasons for credit denial are legitimate and verifiable.
       - **Accountability:** GAAP principles demand accountability in financial reporting. Advia Credit Union's dismissal of GAAP's relevance to credit decisions is not only incorrect but also undermines the integrity of its financial practices. By failing to adhere to these standards, Advia risks compromising its financial statements and violating regulatory requirements.
       - **Fair Asset and *********************** GAAP ensures that assets and liabilities are appropriately managed and reported. When a consumer applies for a loan, the application itself represents a potential asset to the credit union. The process of evaluating and potentially denying such applications must be handled with precise adherence to GAAP to ensure that assets are not undervalued or liabilities misrepresented. Denying a loan application without proper justification disrupts this balance, potentially leading to inaccurate financial reporting and decision-making. It also disregards the asset value that the consumer brings to the credit union, thereby mismanaging the credit union's asset-liability framework.
       - **Provision of Certified Statements:** In line with GAAP's principles of transparency and accountability, financial institutions should provide consumers with certified statements or documentation that explain the reasons for credit denials. This practice ensures clarity and helps maintain consumer trust in the institution's financial practices.
  
  For further clarity, I suggest Advia Credit Union review the following GAAP guidelines:
     - **FASB Concepts Statement No. 1:** Objectives of Financial Reporting.
     - **FASB Concepts Statement No. 8:** Qualitative Characteristics of **************** Information.
     - **ASC *********:** Overview of GAAP Principles.
     - **ASC *********:** Presentation of Financial Statements.
     - **Principle of Regularity, Consistency, and Full Disclosure.**
     - **ASC 820:** Requirements for Fair Value Measurement and Disclosures.
  
  5. **BBB Compliance and Consumer Rights:**
     - **Adherence to BBB Standards:** Advia Credit Union claims adherence to BBB standards; however, these standards require transparency and fair treatment. The denial of my application without sufficient explanation violates these principles and undermines consumer trust.
  
  **Conclusion:**  
  I request Advia Credit Union reconsider my application for the $4,000 no-collateral signature loan and remove any adverse actions from my consumer report. The current denial lacks lawful justification and fails to comply with federal regulations, my rights as a consumer, and principles of transparency and fairness.
  
  **Sincerely,**  
  *************************; 
  Account Number: ********  
  
  

  

  Business response

  06/17/2024

  Advia Credit Union is in receipt of the response referenced above. Advia takes all complaints related to regulatory compliance seriously, and upon review, Advia maintains the assertations made in the initial response to the members complaint. The statements and legal citations provided by the member have been misapplied in the context in which they were used. Advia fully complied with BBB principles and all consumer lending laws governing the members application for credit, and the credit determination was correctly made, in compliance with the Equal Credit *********************** 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

  05/06/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Resolved

  More info

  I bought a car at the end of December 2023 from ***** dealership. I made my 1st payment per the dealer on Feb. 15,2024. I called back in March 2024 & spoke with ************************* on 03/29/2024 about my payment & how to set up my new payment she supposedly walked me through & she mentioned that I was ahead on my payments bc she said anyone who gets a car loan through us gets 90 day grace ****** before the 1st payment is due. She then said my next payment wasnt till 05/10/24. So I set it up to come out on that date. Last Friday I rcvd a letter saying I was behind & I had late ********** been sent to the credit bureaus. I called today & spoke with *********** told me that you get a 30 day grace ****** b4 1st payment then the dealership has to add the 90 ******** has to be added b4 the first payment. I was not informed of this by ***** & a manager by the name of ******* called me saying there isnt anything they can do & the 90 day grace ****** is only for certain loans & have to be added to the underwriting its not automatic. I need to speak w/ my bank bc he said a payment was to come out 3/28/24 but there was insufficient funds. Which is a lie because I had got paid that day. There was enough $ in my account. Then they tried to say 3/15/24 didnt go through. Where did it go? Now Im a month behind because of all this misinformation from these incompetent people and no one want to take responsibility for the information that I was told. Had I not been told this information I would have continued to make payments per usual. Now they are saying they cant help me at all when all this information came from their employees.

  

  Business response

  05/09/2024

  Advia Credit Union takes the concerns of its members seriously. Upon review of the of the situation, we discovered that the member was mistakenly told that she had a 90 day no pay instead of the 30 day no pay that had been applied to her loan. We have contacted the member and refunded all late fees. We have also provided her a two-month extension on her due date and notified the credit bureaus of the correction to be made to her credit report.
  
  One of Advia Credit Unions lending managers will remain in contact with the member to ensure that auto pay is correctly set up on the account and all necessary corrections have been made. We would like to thank the member for bringing this situation to our attention.
  
  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.

  Customer response

  05/09/2024

   
  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

  03/09/2024

  Complaint Type:

  Service or Repair Issues

  Status:

  Answered

  More info

  Cashed my tax check and the bank refused to give me my money they are withholding my taxes from me

  

  Business response

  03/12/2024

  Advia Credit Union is in receipt of the complaint referenced above and is committed to helping our members. The check in question was placed on a routine temporary hold according to Advia Credit Union policies. The check hold has since elapsed and the funds 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 to allow us to assist with any account services. 

*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. ↩