As a member-owned service organization, Georgia United Credit Union's top priority is to provide their members with a safe place to save and borrow money. Georgia United Credit Union offers a wide variety of products and services with highly competitive rates and low fees. They strive to ensure the financial needs of each of... show more
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Georgia United Credit Union Reviews
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19%
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17%
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7%
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38%
2.7
42 reviews
42 reviews
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Georgia United Credit Union
feinsid @feinsid
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1 Star Rating
They deny payments for certain purchases in their user agreement. Firearms and ammunition are on that list. Stay away from this woke business.
Closed my account for inactivity and kept my money claiming it was applied toward fees for account inactivity .hmmm very interesting. They claim they sent out letters,yet never sent any emails informing me if the matter.They do however send way too much spam mail in the mail in the form of various insurance offers that get tossed in the trash,so much so that it becomes a habit to toss any mail with Georgia United credit union on the trash, therefore I wouldn't know I supposedly received a letter about my account being closed for inactivity.
After doing some research ,it was very interesting to discover credit unions can close an account for any reason whatsoever and are protected by law because they're not a bank. I was told by Teresa a Georgia united credit union employee in Dalton Georgia that my account was closed due to inactivity and told me that my money in my account was used to pay inactivity fees. Very I discovered all of this when I tried to activate the new debit card I received in the mail.Guess they couldn't bother to mention account inactivity then
Yet I also still receive tons of garbage mail through Georgia United credit union for exclusive offers for Georgia United credit union members,even though I'm apparently no longer and a member and haven't been for several months due my account mysteriously being closed and my money stolen by then for inactivity .Sounds like a scam to me. If my bank tried that bs I'd file a lawsuit.
Lesson learned NEVER EVER open a credit union account and deposit money,but never spend any of it and stop depositing money for awhile then watch your account get closed and all your money taken for inactivity fees.Sounds like theft to me.
I wouldn't suggest never opening an account at Georgia United credit union and deposit money into your account to just leave there for safe keeping,cause your money isn't safe there and it will disappear if you don't continue depositing more money or empty your account before the credit union does.
These are some of the rudest people I have ever dealt with in banking. I chose to take a second mortgage out with a local credit union thinking that I would have a local contact for my needs, and they might actually get to know my needs and my businesses. That is the furthest thing from the truth. I have spoken with them at least 3 times not on information I needed (they never sent me a 1098 for my loan interest for my taxes which is I think illegal) and every single time I have politely called to ask for help, they make excuses for why they can't help me, they correct me on things they are not understanding and if they would just stop and listen to what I was saying they would actually understand, they cut me off mid-sentence to state their excuse again, and are dismissive and outright arrogant and rude. I thought the first employee I had treat me that way was a possible fluke, so I let it go. The second one happened, and I wanted to leave a review or call a manager, but I was way too busy. Now this last time (while trying to do my taxes and they never sent my 1098 for the 2nd year in a row) I can't be silent anymore. It is pervasive in the organization, and I would never recommend this bank to a soul. If you want to be treated like you are an interruption and a huge inconvenience to their day, then by all means, bank with Georgia United Credit Union.
I would never recommend this bank service to nobody, I filled out the online application never received a phone call. I had to call up to follow up with my application to have them redo my application over the phone for them to give me a preapproval letter and then drag their feet on process in my loan. Once I went to go select my vehicle and called the loan officer multiple times and never return my phone calls making me jump through circles with a credit score that’s above 750. A poor financial decision to do business with banks that do not know how to take care of business. Not all banks know what they’re doing this is one of them. And for food for thought on numerous occasions I have shown up to local branches and they were closed without notification that just like your local doctors office or hospital taking the day off without communications to it's community.
I have been with them for over 30 years. Unfortunately, they have decided to do business like a common bank. The only way any of us can get a loan is a secure loan. Our credit ratings are all well into the 730's -800's. My son tried to do a small 3k loan for furniture. He has a steady full time job for 3years and little to no expenses. They told him he didn't have enough credit record and that only a secure loan could be approved. He has already taken 3 secure loans with them which now they say this don't count. They won't approve him for a credit card either his credit score is 750-780. My mother has always relied on them for small quick personal loans she made one for $500.00 since about 7 months ago;she now only owes 180.00. She chose to pay on monthly instead so that she could re-establish her credit. She has a 750 credit score with some issues. Still, they gave her the loan. She was very happy to have an opportunity to increase her credit rating. Yesterday, she went with the intention to payoff the loan and take out another personal loan for 1k (500 more than the last loan with the payments only goings up a few dollars 43to46. She said the staff at Sugarloaf branch was mostly new and that they did not approve it. Again, only a secure loan. She said she felt insulted since they were aware of the negative items on her credit history. The representative went further and questioned her why she had such a good credit score; she said he was using a tone that made her feel belittled and stupid.Like since is it a bad thing to have a good credit score. If we can't do any business with a bank that is willing to work with us whom are part of the community than we will all be closing our accounts that is. 5 accounts closed because we have nothing productive to look forward when we are doing business with this company. Shame on you Likey mother says they used us giving us loans during needed times and now that they have become more popular they betray those members that have been with them since before they were known as GA United Credit Union. Shame, shame, on you!!!
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Product: Georgia United Credit Union Personal Loans
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Georgia United Credit Union
Christopher Carter @crcarter37404
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1 Star Rating
Sorry customer relations. Not friendly at all, antiquated accounting system. Locations are out of the way. I have closed my accounts.
The worst company ever to deal with pertaining to a car loan. This company refused to make concessions of physical drivers licenses due to DDS COVID issues. Yet once the loan period they set expired, you were required to start the process over yet again. While the only changes from the 1st application to the 2nd application was the fact that Georgia United Credit Union pulled our credit multiple times, that is now used against us too many credit inquiries, when they were the only ones that pulled the inquiries since the loan process started. They lead you on coming up with every excuse, well they have sent everything to the underwriters, the underwriters are reviewing the validity of the paystubs, their representatives didn't have the guts to simply say, you are not approved (when we were the 1st time) nothing financially had changed since the 1st application to the 2nd one. Sad for the dealership because they had used this bank referring many customers to and to have this happen to 5 of their existing pending purchases - The dealership will no longer refer their business to this bank.
Imagine your debit card being declined for a $329 purchase when you have $22,000 in the account...that’s banking at Georgia United Credit Union. It wasn’t a fraud thing, they just told me I had a $310 daily max on my debit card. Bonus, since it was after 5 I couldn’t call and get it taken care of.
Love my card a lot.. straight through my back and easy to pay with my check from direct deposit. Good secure card . They do hold a lot but it does the job
Very helpful and courteous whenever I call to get any kind of assistance with my accounts. I would recommend working with them as they are a credit union and actually appear to care about their clients and will assist them in any way they can.
Although GUCU has great interest rates, it is IMPOSSIBLE to make an online payment without adding an external account! Trying to add my primary bank account is a NIGHTMARE! Customer service was NO HELP! I have been trying to get this issue resolved for 3 months. I would recommend going somewhere else even if the interest rate is higher!
I just got off the phone with a customer service rep in reference to a refund of a cancelled service. Although GA United is usually great he was RUDE as though I had no business calling him. It seems that Ga United customer had gone downhill for some years noe
The credit union at 6705 sugarloaf parkway is the worst place I have been too. Do not go to this place, they are rude and disrespectful. I saw a young man deliver food there and when he was leaving he seemed quite upset. When I asked the receptionist what happened, she said that he was upset because he did not get tipped. I can tell you right now this place has lost my business, why would I want to give someone my business when they can not even tip a delivery driver. This really shows the character of the people that work there. This was just the icing on the cake, the people that work there are incompetent and constantly send me on a wild goose chase when it comes to trying to get in touch with someone. Instead of being on hold for an hour to try and get 1 of the many issues I have previously had solved, I have decided to take my business elsewhere. If you are considering doing business with them, do not it will lead to much frustration and disappointment
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Georgia United Credit Union
Cole B @Niburges
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1 Star Rating
This credit union is awful. I've only been a member for 6 months and I seriously regret it. I purposely don't keep a lot of money in my checking account and everytime I deposit a check with mobile deposit they won't allow the funds to go through until after another transaction does. If you opt out of no funds debit transactions they will still allow charges to go through and charge overdraft fees. The customer service is only available from M-F 9-5 and they will argue rather than help you with your issue. I've always banked with credit unions and never had issues. GA own credit union is the worst. I'm cancelling my account asap.
Don't do it to yourself. Bank somewhere else. There is no advantage to banking here. In fact you will be at a disadvantage. They have few locations. and their customer service is only available MF 9-5. But they will issue an incorrect fraud alert without telling you as soon as they close. You won't be able to reach them until the next business day, and they will fight you. They believe they are doing you a favor with their shoddy service. Again. don't do it. You'd be better off getting a pre paid card from Walmart or even just keeping the money under your mattress. I warned you
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