Robins Financial Credit Union

I've been a customer with RFCU for over 25 years and I've always had good experiences until roughly a year ago. Since around that time, I began experiencing things like emails and messages going unanswered, anyone answering my9 call is extremely rude, presumptuous, and vindictive, and they actually removed my last loan payment from my checking account before it was due without contacting me in any way. Then, weeks after my loan was satisfied and completely paid, they reported me to TransUnion as having made a late payment, dropping my credit score! After reading other reviews, I see that I'm not alone in these experiences. Something very negative is affecting the company culture at Robins Financial, and it's being projected onto their customers. Sad and shameful.

I have been a member of Robin's Financial Credit Union for many years. I am disgusted with this bank. Robin’s, stop making plans with other people's money. Members don't save money here. Stop helping broke people who don't bank here.

Literally the rudest employees I have ever had the displeasure of speaking to. She answered, and the car is in my husband's name. I spoke first and explained the situation, mentioning that he is right here and can verify the information. She claimed that she couldn't talk to us because I called in, not him, despite him being on the call. I have worked in banking for 34 years. As long as the person is right there to verify, it does not matter who dials the phone. It's the most unintelligent rule I've ever heard in my life. She was so rude and obnoxious that we hung up on her. I am trying to pay my loan, and they are literally telling me I have to drive to Macon to pay the bill. Apparently, if you transpose a number in the automated system, it pretends to go through, and you're not aware your payment didn't go through. Then it blocks you from making phone payments, and there's no way to undo it unless you pay again. I dislike this bank and am actively looking to refinance, and will tell everyone I can to avoid using them. Terrible. Train your customer service people and do better.

Recently, on December 30, 2024, I entered Robins Federal Credit Union located on Houston Rd, Warner Robins, GA, only to be unfairly judged and called a scammer by their employee Jessie Perez. Miss Perez disrespected me after I requested verification for a wire transfer to another institution. Perhaps it was the color of my skin or the way I was dressed that led Miss Perez to judge me in this way. I was compelled to ask for management to resolve my issues with the other institution. Jessie Perez needs to be reviewed or replaced with someone who provides better customer service. I will be writing several reviews on this issue as well, to prevent this from happening to others. Rashim Shaheed

If anyone is thinking about joining Robbins, y'all might want to think twice. I was only three days late on a car payment, and they went into my savings and took the full amount without so much as a phone call. They accessed my account as if the money belonged to them. It's not about the money; I simply forgot. But I don't think it's right that they should be able to go into my account and withdraw money anytime they deem necessary, as if it belonged to them, and not even extend the courtesy of a phone call. So, I advise everyone to stay away from Robbins because if you're late on any of your bills that you have with them, they will go into your savings or checking account and take money out as if it were their own, and they will not notify you about it.

For one, someone used my card, and I never got a dispute resolved. I asked for a new card, and when I activated it, the card kept saying "declined" or "wrong pin." Okay, fine, I go to the bank and change the pin. Days later, I can't transfer money from my savings to my checking account. It's repeated problems; I don't recommend it.

I have been a member for over 15 years and today I came in to open a CD account. While waiting in the guest area, my name was called from the office by an RFCU representative sitting at her desk. I was shocked. Is it a new norm or practice for RFCU that representatives do not come out of their office to invite or greet customers into their office like any other banking institution? Needless to say, I took my business elsewhere where they would appreciate and welcome my banking business.

I Love Robins Federal. The employees are so nice, helpful and very efficient. Anytime I have needed advice about my account they have been so helpful.

WHAT A JOKE. The people that approve or reject Mobile Deposits makeup reasons for REJECTING A MOBILE DEPOSIT that are not listed in the Mobile DEPOSIT AGREEMENT The agreement instructions state: Your endorsement must include your signature and the following information: Account Number, Date, and the words “For Mobile Deposit Only”. Should any of the items be missing, the check may not be accepted for deposit. The digital image of the check transmitted from you must accurately and legibly provide, among other things, the following information:
I deposited a paycheck lastnight and this morning I received the lollowing message: Mobile/ATM Deposit
10/19/2023 - 10:17 AM
This message is to inform you that your check in the amount of $342.18 has been rejected for the following reason: Incomplete Endorsement - per the credit union’s mobile deposit agreement, all checks deposited via mobile deposit must include the words “For Mobile Deposit Only to RFCU” on the back of the check along with the payee’s signature. Please do not write in the lower portion of the back of the check, as it is reserved for financial institution use, and your endorsement may be overlooked. If you have any questions, please contact our Call Center at 478-923-3773 or 800-241-2405. Thank you for banking at Robins Financial Credit Union, we appreciate your business!

NO WHERE DOES IT SAY IN THE AGREEMENT **For Mobile Deposit Only to RFCU** Out of 5 checks I have deposited 4 have been rejected ALL FOR DIFFERENT REASONS AND ALL CHECKS WERE ENDORSED THE SAME. The checks have a PRINTED LINE AND A BOX YOU CAN CHECK that SAYS:
****CHECK HERE IF MOBILE DEPOSIT**** THERE ISN'T ENOUGH SPACE IN THE 1 INCH BLOCK TO WRITE ALL OF THE INFO THEY ARE REQUIRING.
I have spoken with three different people at RFCU and everyone gives a different reason. Seems like THERE IS NO SOP'S OR SUPERVISION, EVERYBODY CHANGES THE RULE AS THEY SEE FIT.
I WILL BE MOVING MY ACCOUNTS BECAUSE THIS BANK HAS NO MANAGERS THAT CAN ANSWER QUESTIONS AND FIX A BANKING PROBLEM. THEY ARE ALL PASSING TO BUCK!!!!!!!!!!!!!!!!!!!!!!

I have been with Robins for over 5 years. They have always treated me with respect and like I am part of a family. Like when I had knee surgery and out of work for more than a year they allowed me to freeze my card and cut my payments by 2 thirds. They also give really great rates when I refinanced my car. I plan on always doing business with them for a very long time.

This is by far the worst financial institution I have ever have ever had the misfortune of dealing with. When I moved to South Carolina, I needed to have a copy of my title sent to the SC DMV to register my vehicle. They absolutely refused to send it stating that the state of South Carolina would have to submit a certified paper request for them to release it. The state of South Carolina does not send certified request on the behalf of random people for anything. I was not allowed to speak to anyone in the loan department and made no progress whatsoever despite spending hours on the phone trying to reach someone with at least a fifth grade education level (shoutout to the woman who tried to explain to me that a fax machine cannot send a physical copy of a title over the internet). Ultimately, my only option was to refinance with a more reputable institution. Save yourself the trouble and avoid this dumpster fire of a bank at all costs.

Very disappointed in their banking. We have had problem after problem with this company locking us out of our digital banking account. We attempt to use the link to unlock our account and the app proceeds to say call the assistance phone number. Then, no one answers the phone. We will be moving to other banking options.

I waste hours every month when its time to pay my bill trying to figure out how to pay it. I have no issues with any of the other companies that I have loans or bills with but this one takes the cake. Why is it so difficult and why am I going to get charged to have someone over the phone do it when I cant get it done online anyway?! Specifically when I go to make a payment it redirects me to the funds transfer page like the payment page doesn't even exist. if you don't live nearby a physical location then don't waste your time with this business.

Great job Robin's financial credit union. For being great and respectful and understanding when it comes to my finances and credit.