1st Advantage Federal Credit Union

This account has been closed out why is it still showing late. I would like for this account to not reflect on my report. This account was included in a bankruptcy in 2014

They financed my loan for my new car. In order to have a better payment I would have to put more of a down payment on it but with trading my truck I got the money from that. My payments are a little over 500 a month in which I’m not happy about. But, I guess that’s pretty good considering it’s a 54k car.

I just sat on hold for over half an hour to setup an appointment in order to open an account with them only to get hung up on by either the automated system or a staff member. This establishment WILL NOT be getting my business at all and I do not recommend anyone bank with them if your time is precious like mine.

They have awful customer service. I was asking some basic questions and got snarky and unhelpful replies. Very glad I dont do business with them anymore.

The worst customer service I have ever had . I spoke to Kim today and she was uncaring and really acted like she didn’t care ! Bad

Terrible customer service with this bank! Tried making a auto loan payment online this past Saturday( I have been making payments online for the last 4 or 5 months now so I understand how it works). When signing in to make my payment I kept getting a message telling me there was an internal issue and if problems persist please log out and log back in. I tried the suggestion several times but still same message kept popping up. I decided to call the customer service to make my payment over the phone instead because Saturday was the last day for my 10 days grace period before the payment is considered late. The lady on the phone seemed confused but took my credit card information down like she was processing the payment but when I asked for a confirmation number she told me they do not give confirmation number. She also explained that there is a $15 over the phone payment fee, so I asked her if that can be waived because I had no choice due to their internal issue with their online payment. She told me she will ask for me on Monday. Well on Monday I received a message from Bonita to call them back about my loan. When I called back the woman that answered from the start sounded like she was tired, bored or just annoyed. I tried explaining to her about my issue but she kept telling me the problem was I was trying to make my payment with an American Express so that is why I kept getting an error online. When I explained to her several times (due to her not wanting to listen to what I was trying to explain to her) I couldn't even get that far through their website and App to add the type of credit card to use so that was not the problem. She then tells me its because their actual website does not take online payments, I have to make my payment through their secondary payment website. I told her i have been making the payments through their App and website for several months now so I understand how it works but the fact was there was an internal issue that was not navigating me to the secondary website so preventing me to be able to make my payments online! Anyways having to listen and dealing with her bored, annoyed voice and attitude over the phone was frustrating enough but now my auto loan is considered late because I thought the payment had went through on Saturday with the woman over the phone but to find out it never went through because they do not take American Express! I would not recommend this bank to anyone due to their poorly trained employees that I had to deal with over the phone! The bank in the Virginia Beach location was wonderful and I never had an issue with them in person but whoever I spoke to over the phone this Monday morning( I dont remember her name unfortunately, the only name I got was a Bonita whome I received a missed call on Monday morning) had a really piss poor attitude and sounded like she did not want to be there and hates her job! It is so frustrating to have to deal with people like when you expect them to be professional and positive while they are dealing with customers and their money! Anyways after I'm done with my auto loan with this bank I will never use them again! I am most likely going to have to refinance my loan with another bank so I do not have to deal with this problem again! I rarely give bad reviews but unfortunately I was called to do so this time.

I enjoy the customer service at this location. The tellers are super friendly and really know their stuff. Leaps and bounds better than the big bank competitors and definitely one of the best credit unions in Hampton Roads area.

Stay away, 3 times they credited my payments to another account skunking my credit score. And you cannot build it back up immediately. It takes time for the score to climb after discrepancies have been corrected. Because of their incompetence my score went from 730 to 520 in 6 months. Also when I have tried to call and talk to them I have been held on hold for more than an hour before giving up and hanging up.

I have been with this bank for over 20 years. Recently a mistake was made and an electronic payment was made with the wrong card resulting in overdraft fees when the payment kept reprocessing. Even though I have been in good standing with this bank, have paid off two car notes, and have paid religiously on a credit card; they refused to waive the fees. You join banks like these in hopes that you will be treated better than you are at larger banks. This is not the case. They are just as greedy, and they do not care.