"Not allowed to pay off loan"

I was able to open a loan without having to go to a location back in 2018. In 2021 I was told I had to drive hours to a location to close the loan. I could not do it remotely.

"Do not ever try to deal with them over the phone!!!"

I have been a long time customer with Genesis credit Union well over 10 years and this past year or so has been an absolute nightmare trying to do anything. For the past month and a half I have been trying to add a joint onto my account, something that should have been a 20 minute hour long process in the branch because I could not get to a branch I had to do it over the phone and through emails. They just now told me after a month and a half and several hoops to jump through that they can't add him as a joint because his license address does not match mine. This is something I asked about when I originally called about a possible adding a joint a month and a half ago!!! This is also something they have known about for a month and a half because they've had pictures of both of our licenses for over a month and a half!!!

"Very Appreciative of their members."

I have been a member of Genisys Credit Union for over 5 years now. In that time, I have applied for a few car loans, credit cards, and most recently a home improvement loan and home equity line of credit. I have been denied on all my loans, despite being a direct deposit member. I was denied with my most recent as well and it was a relatively low amount. I had given up on it. The next day, I was surprised to get a call from my loan agent saying she spoke to her manager. First they took a closer look at my personal situation and credit history. Then they helped get me a loan based on my financial goals and progress since I started at Genisys. THAT is the personal touch I was always told Credit Unions have. I was ecstatic at the fact that they genuinely wanted to help me and found a way. They even went the extra mile and helped me consolidate the debt that was holding my credit score down. Highly Impressed! Highly recommend!

"Stay away from this predatory lending…"

Stay away from this predatory lending company. My dealership incentivized to go with this company for the auto loan and they charged $3000 collision insurance to my loan principal because during covid & working from home, I placed my car in storage. I only realized what was happening until I noticed my auto pay went from 370 to 679. No attempts were made through a phone call or an email to notify me . Read all the fine prints
before signing anything with this company.

"Hi i am writing this review for a token of appreciation."

Hi i am writing this review for a couple of reasons. 1st reason is i applied for a mortgage and honestly I had issues with getting it to a clear to close and my ex-wife saw my frustration and sent a review about Genisys that from what i understand was ? let me say "not nice". I did not ask her or even know that she wrote that review. So, Karen i know you thought you were doing the right thing but maybe should have waited for the end result before being that judgmental. Reason 2, Let me tell you that after over a year of searching in 6 different states I found honestly the property of my dreams in Oscoda Michigan. I requested a pre-qualification from Genisys whom i have been with since i was 18 years old. I am now 63. the truth of the matter is that after the seller accepted my offer my income to debt ratio was not good enough to be approved. I had my home up for sale but this seller had many cash offers for this beautiful property and by whatever reason, (chance,miracle) when i met this man and we walked around the property we must have been as his wife said to me later "kindred spirits" this man and his wife stated that they saw the look in my eye that reminded them of Mikes reaction when he first saw this property 28 years ago and these wonderful people accepted my offer over cash offers. when I got the news that I had fallen short of being approved I was shattered, broken hearted etc. I think you get the picture. I put down a $5000.00 good faith deposit that i was in jeopardy of losing.The people at Genisys Lynn, especially and Luke and kristie. These wonderful people stuck with me and never gave up on my dream. Lynn guided me on a strategy to improve my debt to income ratio and after all off her teams repeated hard work I still came up short.But they still did not say NO! to me. And I probably asked them for answers that they could not possibly give me a positive response for so instaed of just telling me NO, you do not qualify they stayed hard at work and we came up with the strategy that allowed me to be granted the mortgage for my want to live out my life at property. I admit i was frustrated and maybe a little rude with them at times. At any point they could have said you just can't afford this until you sell your current home. And been done with me. I am closing on MY new property next Tuesday. And the only reason that i am is because this team of professionals never gave up on me. Thank you LYNN. Thank You LUKE. And Thank you Kristie. I will never forget what you guys did for me. God bless you. Dave Friedrich.

"Bad business"

Shortly after the Coronavirus impacted the United States I applied for a refinance on my house. I was approved and All i needed was an appraisal. The first appraisal came back low. I know this appraisal report was inaccurate. So i called back asking to challenge the validity of the report. That also did not work. Genisys credit union Told me to get another appraisal. While all of this is happening I’m under the impression I’m still approved for the loan. So i continue with the second appraisal. This second appraisal comes In 50,000 more then the first one. At this point I’m a little frustrated I’ve had to pay for two appraisals resulting in 50,000 dollar difference between the two. Armed with the current appraisal I ask the bank to move forward. They finally reply that they can not move forward until the government lifts the stay at home order. I was lead to believe that the loan was still approved based on a valid appraisal. I only tried Genisys Credit Union because of the lending practices. Feeling miss informed, lied to, and taking advantage off is not the best way to start a business relationship. At this point I’m considering refinancing with my current bank (PNC).

"They listened to my complaint and my concerns!"

**UPDATE**
Genisys actually listened to my complaints!! They recently added a no fee payment option that comes right out of any checking account. That being said, with their incredibly low rates, no fees to make a payment, and very kind customer service reps, I can now give them 5 stars.

You will pay a fee for EVERY individual payment!! Avoid this place!!

*In response to the reply, unless you have a way to waive individual fees, my review stands. I did a chat with a rep and she confirmed. So yes, you guys want the interest and a fee in the event the individual had extra on a paycheck to pay more. People need to know this.*

**I did speak with a manager. He was friendly, but still, there is no simple way to just make a single, fee free payment unless you have bill pay. Added frustration, once you set up auto pay, the only way to change the date or amount you pay each month is to fill out a form and mail it in... it’s 2020... how is this not automated?

As a credit union, I am concerned that you need to charge people a fee to pay their bills no matter what. Every single bill I have can be paid worry free by simply logging in and paying however I wish.

Friendly staff, but I’m super disappointed.**

"Threatened to FORECLOSE our Home on…"

Threatened to FORECLOSE our Home on 4/7/2020
Today i spoke with a lady named Amy from the branch on M24 and Siverbell. She had spoken to my wife prior regarding 2 payments behind we were on our Heloc Loan (Total $575.00 Owed) My wife informed her that we have both been laid off due to the COVID19 Quarantine, and she replied by stating that if we couldnt pay by Friday April 10, 2020 that they were going to Foreclose on our home? Then I called Amy back, and the manager was Tammy, we have our house listed for sale and had an expected close date of March 25th, 2020 which i informed Tammy of, and now they state i broke our promise to pay, but there was no promise to pay, we only informed them we had accepted an offer on the house. So the buyers backed out of the purchase, and we informed the bank, but remind you we have a car loan (up to date) a Heloc (2 months behind, $575.00 Total), and a line of credit (up to date) and now we get threatened for Foreclosure? I asked what arrangements we could make as this quarantine has affected us as much as others, but they are unwilling to do anything. I guess if Foreclosing on our home for a 30K Heloc loan, that were behind by $575.00 makes Genisys happy, then i guess it shows what kind of people they are in a time of need like this. I cant state it is everyone at Genisys, But i have spoken with Amy and Tammy and neither was willing to assist with anything.

"I've worked in banking for 9 years and…"

I've worked in banking for 9 years and for three banks in that time at various levels.. And I'll say that I've never seen such an unorganized financial institution in my life. Absolutely the worst lending experience I've ever had. Their systems are from the stone age and their people have no resources or will to fix the errors made by it. Do not not borrow their money

"Took my son to the Deer Lake (…"

Took my son to the Deer Lake ( Clarkston) location to open a bank account. There were 2 people ahead of us waiting in the waiting room and one customer in the room. After 20 minutes of waiting and still 2 people ahead of us, took him to Vibe Credit Union and It only took a minute for a customer service representative to help him. Numerous times, I have gone to the Genisys in Waterford by the Dollar Tree (M59) and I have to wait in this long line with only one or two Windows open. The best is the Genisys on Dixie Highway, between Walton and Sashabaw. Never have to wait long and great customer service!