Jovia Financial Credit Union

Amazing service, stayed on the phone for an hour resolving my issue. Very helpful, the representative named Samantha was EXTREMELY helpful and friendly throughout the entire process. If I need to call again I know my issue will be handled with no issues. Thank you Samantha and thank you Jovia!

Useless. Do not bank here. This place will make you jump through hoops to get anything done, and don't bother speaking to Tonya on chat services. She'll just stop responding. Do not recommend. Go to a real credit union.

If I could give Jovia Credit Union zero stars, I would. Terrible employees, slow and disorganized. Horrible customer service. Do yourself a favor and find another credit union. I have belonged to a dozen credit unions over the years, and Jovia is the worst by far.

Horrible Customer Service, inconsistent policies, couldn't care less about their customers. This used to be a very good and respectable bank when it was NEFCU. Now it has gone to rubbish. Customer Service via the phone is hands down the worst you will find anywhere. I am currently in the process of moving my accounts and CDs over.

I'd give no stars if I could. Very disrespectful and unwilling to help. Despite this originating from something I had no control over (I've explained this to them numerous times in an effort to resolve it), I have a negative mark from Jovia on my credit report, and they refuse to remove it a little earlier than the guidelines say. Any creditor can remove something negative if they choose to for legitimate reasons, but they refuse to do so. A couple of other financial institutions helped, but Jovia wanted nothing to do with it. Awful.

The worst, Jovia doesn't care about customers. After claiming the gap insurance for my car, it took three months, which destroyed my credit score, dropping it to 580 from 810. Three weeks after the claim, they told me not to worry, saying it would balance out by the end of the month, but that never happened. There was no communication at all.

Horrible, incompetent customer service and behind the times with technology. I just cut up my card and will never use them again. I went to the grocery store right by my house and checked my available balance before I went, and it was over $4000. It's the holidays, so I bought $433 worth of groceries for baking, etc. My card was denied at checkout, and it was several minutes before I received an email fraud alert which required me to call. My groceries were bagged, and there were people in line behind me waiting, and I ended up on the phone talking to an extremely unhelpful lady who acted as though we had all the time in the world. She recited these long scripts about how they appreciate my business and so on but did nothing to resolve the issue or show any concern for my embarrassment at being put in this situation in public. I finally hung up on her, put my purchase on my debit card, came home, and cut up their card. I did not even bring a bag with me, but thankfully I had my debit card. What an outdated company that doesn't have a setup to verify your purchase and let you be on your way without calling, and who flags a grocery store you go to all the time. Never again.

Terrible banking services. They leave you on hold and then drop your call. Nobody can be reached on weekends. The app doesn't update with a direct wire transfer for about a week. They confuse business and regular accounts. They burden customers with sky-high overdraft fees that are caused by their faulty automated withdrawal system. I could go on, but stay away.

The customer service appears to be underwhelming, potentially due to understaffing. The online services are limited and seem to be just as inadequate as the customer service, though they refrain from making false statements or promises, likely because the online service does not offer anything substantial for customers to have substantial complaints about.
In a single word: no. As in, consider saying no to using them as a financial institution capable of providing flexibility or favorable rates to their customers.
I have interacted with numerous financial institutions throughout my life, and this one regrettably has earned a place on my own personal wall of shame. I advise you to be cautious before entrusting them with your finances.
This is just one person's viewpoint based on consistent failures to provide service that adds value.
I truly wish they could have provided some benefit. The deterioration of the services provided the ,at few years is just plain unacceptable.

Service lacks morals and understanding, and it was easy to mess up my history by joining them. As a result, I stayed away from engaging with them. They appear helpful, but they are not really. I have a lot to say...

This bank advertises great rates, but when you check, the rates are nothing special. It's such a disappointment; other credit unions offer much better rates and services. Don't waste your time on this place.

Beware: $3,500 Penalty Added to Auto Loan

Jovia Financial added a $3,500 penalty to my auto loan due to a lapse in insurance coverage for three months.

I have an auto loan with Jovia and have been making payments on time every month. My auto insurance carrier, State Auto, was acquired by Liberty Mutual, and there was an error when they migrated my policy, causing the policy to lapse for three months. After discovering this, I obtained a new policy. However, Jovia added a penalty of $3,500 to the balance of my auto loan and increased my monthly payments. I was not aware of this until I received a call from Jovia's collections, and my credit report showed a late payment for being 30 days past due, despite my on-time payments according to the loan agreement.

The monthly auto insurance payment for both of my cars is a total of $300, while the penalty Jovia is charging for insurance coverage on just one car is $3,500 for three months, which equates to $1,167 per month for insurance on a single vehicle.

I have been in touch with Jovia trying to resolve this issue, but, at this point, they have stated they will do nothing to assist me. As a result of the negative report, my credit rating has dropped significantly.

The worst experience I have ever had with a bank or credit union. The one positive is everyone I talked to was nice. However, the negatives go on for much longer. Nothing is "normal" compared to other personal loans I have taken out over the years. The system is broken in many ways. They need an overhaul in how they do things. Accounts get locked regularly. Zelle transfers are not immediate. The list is never-ending, and I have only been here for 2 days.

I set up a business account. They charge exorbitant fees for accidental overdraft. Their representatives can never figure out if I have a business account or not. Make it so difficult to speak with the correct representative for any given issue I've ever had in the last 10 years. Over an hour wait times just to get a simple question answered. This company is unbelievably incompetent. If I had the cash flow, I would switch to another bank. So sick of how inefficient Jovia is. Their account page is also inadequate. Can't get a simple year-end statement without going to great lengths to reach the right people via email. I can't believe there aren't more furious customers. Stay away!

There is trouble with their ATM machine. It contains cash that is in poor condition—torn, taped, missing corners, and ripped. The cash being dispensed is rejected when attempting to deposit. Whoever is responsible for restocking the ATM machine is filling it with unusable cash. These are bills that the ATM dispenses but won't accept for deposit. The ATM rejects the same bills it just dispensed, which is frustrating and may result in customers losing money.