Genisys Credit Union Reviews 732

So I have called multiple times to have a issue resolved and no one calls back. You have leave a message, however no one calls back. Left 2 messages for managers and they don't even call back. Members do not matter to this credit union.

Customer experience is BAD. Look forward to the day that you have to merge or are acquired. You hire the worst of the worst. Can you please provide your employees with an understanding that the Customer comes first. From the face to face to the ATM experience & let's not forget about your IT department. YOU ARE THE WORST OF THE WORST & NEED TO GO AWAY! You are simply incompetent.

You have to reserve 2 hours of your time, just to speak with a bank representative over the phone. Their hours of operations are not convenient at all. I thought the call waiting thing was just a little faze after this whole covid thing but nah, it's still a thing. And customer service hahaha _______

WORST BANK EVER! I bought a camper and the company used this bank and they never sent any information or my welcome packet to me about my loan. I had to drive 2 hours just for someone to assist me in finding out my account information. Once I had the information I go to make a payment on my loan and they take 2 payments instead of one. Instead of taking the amount in the confirmation email. What a joke. I will never make an online payment again. Will be waiting for my coupon book to mail them checks. But who knows they will probably wash my checks to change the amount since they changed the amount the first. DO NOT USE THIS BANK!

We got a loan through them for a camper and that was a mistake it seems. I used their online system to send a message and be contacted but all they did was send an email saying they couldn’t help and needed me to call. That’s was the point of the email, to get a call from them. I have been on hold for an hour and have not had any luck with their callback system. I’ll have to pay my note but I do not know my account number because it was not on any of the paper work and the info provided will not allow me to create an account. I absolutely do not recommend using this credit union if you want customer support.

Been banking with them for years my whole family have been banking with there life.. after today moving to a different credit union and it has open everybody in my family's eyes that place is a joke they're out for their selves and do not help their customers that have been with them for a long time.. I would invest in vibe or Michigan credit Union..

Been with Genisys Credit Union since 2009. Was a good banking partner for a long time. They turned away from their loyal customers recently and just figured out ways to pile on the fee's until it just wasn't plausible to stay any longer.

Be very careful before you join. If you're looking for customer service this is not the place for you.

Amber at Auburn Hills and, Yvonne at Grand Blanc (earlier) by phone were extremely personable, informative, knowledgeable, patient and kind. I have been with Genisys double-digit years and in all that time, whichever branch I have gone into for service, the staff are welcoming, upbeat, knowledgeable and kind. Thank you!

I applied for a debt consolidation loan and the financial officer told me that they wrote it up as a usd car loan RATE to give me a lower rate. What happened is they attached a lien to my car (which I own and have clear title) and did not tell me. I talked to a young man in the loan dept and he never returned my calls. This credit union is very dysfunctional and they lie to you and then say you agreed to the lien. I'm going to try one more time to change the terms of the loan, if they refuse I may have to take legal action. I hope we can settle this easily.

I paid my ac loan bill on the 19th Sunday the due date ît didn't clear until 21 Tuesday they double billed me and charged a late fee which took my bank account negative balance

Had good relationship with them forever I was giving them my direct deposits for 10yrs then I got "car loan" which was the only thing they would ever give me after all that time they was my worse and lowest credit card not to mention with the highest interest then i caught covid asked them for help they instantly turned nasty and into a regular big bank on me everybody turned rube instantly. They keep tacking on that insurance putting me deeper in the whole with them I told them I was in trouble months in advanced before the wave was going hit. They could of care less told them to come get the car and it sat for like 4months just tacking on insurance in further smh what a disaster. Tried to sell the car to caravan and they messed that up for me too this bank is my number one biggest problem financially. Took me 10years to realize they wasn't a good bank but when I first signed up with them I didn't know any better.

Customer service is not helpful. My Card is constantly being decline even when the account is fully funded. Then I get locked out of my card, & no one in customer service could assist to unlock it. Also, I’m often being told to use my “My card control” app but it still has not been fixed to reflect my cards.

I sent in my Mortgage payment via US MaiI. I wrote the amount payable for a positive $2, yes, $2 over. I was told by a Bank representative they had to return the check because of the wrong amount was written. I get it but, here we go. I got the paperwork over the Holliday weekend and, the bank was closed. Monday also closed due to a Federal Holliday. So, I’m stressed out, I got a hold of a Bank Rep. they charged me late fees. Again, I wrote the check wrong, $2 over what was required. Why not put the positive $2 towards my principal? This Bank refunded my late fees but, the kicker, lol, they charged me $15 to make the payment over the phone. Did it really cost this Billion dollar company to not deviate. That’s why banks are rich. This is a mind blower. Take your money. We are talking $15 for a phone call I was already talking too this Customer Service rep. For me? I’m in the real estate business and it’s not doing well🤪 $15 buys me food. This bank would not credit me $15 for making my payment over the phone. This may seem petty, but, really? You already have my account pulled up and my bank information. Merry Christmas. I’m thinking of moving my accounts. The saying is that as a Member of a Credit Union, you are a Member, not a account. lol

Ive been a member for a while and deposited a check and they told me after depositing the check there would be a 7 business day hold. I would of never agreed to that. The customer service sucks. Due to there rules they may of put a disabled veteran homeless run from here.

I gave Genisys Federal Credit Union a one rating because I've been with them since 1997, but you wouldn't know it from the way they treat long term members like myself. After getting an auto loan from them, I fell ill and had to retire from my job. So I no longer had the income I had before I got the loan. Making it hard for me to keep up with the payments. So I fell behind. I feel like there should have been more empathy from the Credit Union to help me deal with my new situation. I was referred to Greenpath by them, a debt consolidation company. But the Credit Union itself had no empathy for my illness and it's impact on my financial situation. It's as if I joined them yesterday, with no relationship to get service from someone who made me feel like I was a valued customer. I wouldn't recommend them to anyone, under any circumstances. I can do bad by myself!

If you like doing business with a bank that will have your back on a credit card dispute, this is NOT the bank you want to do business with. I have waited over 3 weeks and Kaitlyn Hernandez has not even filed my dispute after several emails she continues you ask more questions that all should have been asked the first day I made my claim with her and Genisys Credit Union. Any other credit card company I have used over the years, Pay Pal, Discover, Visa all return the funds to my account that same day so I have now had to file suit against Genisys CU and Master card.

The issue was resolved promptly by Genisys Management and seemed to be the result of a third party oversight. However, time was wasted and some damage remains. There should be better communications between third party vendors and contractors. However, as the old adage goes: No harm no foul.

I have been a member for over 10 years and over the past year or 2 they have gone downhill.

They used to be good with customer service and had no problems with any banking. Recently we had a home appraisal done to refinance our house. They took the money out of my sons childrens account (he is under 18) to pay for the appraisal that my husband signed for to have taken out of his account. My husband is not even on our sons account! When I called all I got was “I don’t know how that happened”.

Then my husband and I got our income tax refund sent to the credit union and they sent it back because even though we both bank there we have separate accounts. Now for 8 years we have filed married filing jointly and had it deposited to one of our accounts and never had a problem now this year they say that IRS rules are you have to have a joint account to have it deposited with both names on refund. Now this sounded suspicious as stimulus payments and child tax payments went in with no problem so I contacted IRS and this is NOT THEIR rule it’s the credit unions rule. Per the IRS when filing married jointly you may have the refund deposited to yours, your spouses, OR a joint account.

I wouldn’t recommend genysis cu to anyone. I used to recommend them all the time. NEVER will I recommend them to anyone again.

We have been with T&C, then merged with Genisys now for over 28 years. During this time, we have had many car loans and have never had an experience as we are going through now. We purchased a 2017 vehicle and took out a 5 year loan. We have had AAA insurance for over 30 years, with no lapses ever. Nothing in our policy has changed within the last year, but somehow over 4 years into the loan Genisys tacked on $1,992.00 to our loan for CPI insurance. We didn't even know what CPI insurance was until looking on the internet. We went into the credit union and the rep asked us if anything has changed with out insurance, and said there are 4 mailings that go out before someone is charged. I can ASSURE you, we did not receive one mailing, let alone miss 4. Being 4 years into the 5 year loan, how could this happen now? I would think with 4 mailings, that would be an added expense with postage, paper and envelope. A phone call or email would of worked. Our contact information was up to date. It was an underhanded sneaky thing to do. It happened right before Christmas to which maybe one may not notice. We were told it would be taken care of, and I'm waiting to see that amount off our loan. We will never do another auto loan with this institution ever!!

I have been a member of Genisys Credit Union for about 10+ years. During this time, I usually have large deposits and not have any issues with the release of my money in Detroit. Recently, I had to go to Lansing on a business trip and on my way back I knew if I traveled all the way home to my frequent banking location I would not make it and the holiday was the following day. So, I googled the nearest GCU in the area and found one at 15405 Silver Parkway, Fenton, MI - Jill Coleman Manager. I tried to deposit about $6,000 in my savings, $2,000, in checking and the remainder to be cashed out. The checks were written from the State of MI and they denied me immediate access to my money and suggested I go to the bank it was written off as they should be willing to cash it. I could not believe what I was hearing. Mrs. Coleman, Branch Manager, informed me that she does not know me an was unable to cash my checks. I replied that I do not know her either but, I have been a long standing member of Genisys Credit Union for over 10 years and my account would reflect these large transactions in the past in which I had no problems with cashing in Detroit. I was so outraged by the racism and disrespect but had no other recourse then to leave. I am so disappointed that I have been a member with Genisys Credit Union for over 10 years with large monthly payroll deposits and large deposits from recognizable institutions like the State of MI that I would be treated like a common criminal. I knew the moment I entered the location from all the looks from the tellers that this was not a likely place that people that looked like me would frequently visit. However, I never thought I would be treated in this manner because I was a long standing member. I have to wonder if someone of a different race would have been allowed to complete their transaction.