Customer ReviewsforVirginia Credit Union, Inc.

I'm giving them two stars because I have been with them since 2008, I was a grad. student at *** and done with NavyFed (They are horrible). I just recently applied for a loan and even though I'm a well paid professor with a major University, with a credit score of over 750- they said no to me, when I called (because they can't be bothered to reach out to their customers though email) that I didn't even qualify for thier lowest loan amount. *Note I am a black woman* am I saying this is racial- let's put it this way, I have other lines of credit-(they have all been paid on time for years, I don't have one negitive thing on my report and my car is about to be paid off next month. I was getting a card just for emergencys- I'm moving this summer and didn't want to be caught out there- I also have less then 5 thousand in debts. So, you do the math. I'm far from a high risk borrower. Well -rejection is lifes protection, after that, I'm moving my money else where and after reading all the reviews about the treatment you get when they do approve you for credit, I know now why I got PROTECTED. Goodbye VACU.

Virginia Credit Union values it's members privacy. Please contact us at ************ so that we may address your concerns.

Got an auto loan with VACU. I was not told I would not be able to pay off the full loan amout in full either online via ACH/Wire transfer, over the phone, etc. I would have to MAIL in a physical check to their PO Box, all while accuring interest DAILY on the loan. I was enrolled in their online banking, I tried adding funds to the account so then I could use that to completely pay off the loan, was not able to do so.In addition, I noticed additional principal disbursements on my loan. When I inquired from a customer service rep, they said it was for "additional insurance on your loan". I said I was never told this would happen, nor did I ever approve of anything of the sort. The response I got was "well it was in the loan documents you signed". Yes, its my fault for not reading the fine print, but sneaking this into an auto loan without the customer's approval or even acknowledgement is criminal in my opinion. If you are looking for banking of any sorts, STAY AWAY from VACU. Their reps keep info withheld, even when you ask direct questions, and ***************** and dime you as much as possible.

Virginia Credit Union values it's members privacy. Please contact us at ************ so that we may address your concerns.

I have 2 Loans with this Credit Union that are both signed up for Automatic Payment. What no one pointed out to me was that if I made a manual payment, the automatic payment would go through and continue to go through until I paid a $50 fee per account to stop it. It's 2023 and they are punishing people for paying their payments in a timely manner.This on top of very few locations where ATMs are often not working, I'd encourage anyone to avoid this business at all costs.

Virginia Credit Union values it's members privacy. Please contact us at 804-323-6800 so that we may address your concerns.

Respectfully, I posted this rating AFTER having contacting Virginia Credit Union 3 times, twice via Secure message and once by call in an attempt to allow them to do the right thing. After having left reviews on ****** maps I have been contacted by Virginia Credit Union to ask me, "if everything is alright." Meaning you have no problem looking into the issue and resolving it if you so wish.I do not wish to spend more of my time explaining why it's wrong to punish people for paying their bills in a timely manner, even if they are signed up for auto pay.Auto pay should be a way to make sure a payment is not accidentally missed. The fact that Virginia Credit Union uses a system that only knows how to take out on a specific date and not have a fail sale that checks to see if that month's payment has already been made is unexcusable in 2023.

I went through a horrible experience with someone stealing my identity and opening an account at VACU. I was willing to give them another chance, but they could not process an application for me after coming to my work to recruit new members. I was hoping for a great experience, but, unfortunately, I did not experience it.

Virginia Credit Union values it's members privacy. Please contact us at 804-323-6800 so that we may address your concerns.

Vacu manage credit cards app is horrible! It is always down. Go back to the old system where you could pay and use outside accounts to pay credit cards. This is beyond ridiculous!

Virginia Credit Union values its members privacy. Please contact us at ************ so that we may address your concerns.

If I could rate this branch less than a 1 star, I would. I opened an account with them over three weeks ago and still have not received a debit card. I have followed up and get blown off. They are unhelpful and unfriendly.

Virginia Credit Union values its members privacy. Please contact us at ************ so that we may address your concerns.

I've been with them since the 80s and they have always been awesome. Something has happened recently because they just can't answer the phone or process loans. I couldn't get them this week to email my loan documents to me so I could get my car from the dealer, I ended up having to finance through the dealership so I could take my car home. I feel like they just don't have enough staff or they got rid of their knowledgeable and friendly sales staff. Now all you can talk to are loan processors who must be burdened or just aren't reading their emails from the dealers. I was shocked because I have never received such bad service. They were friendly when I spoke with them, but they didn't follow through. Crazy!1

Virginia Credit Union values its members privacy. Please contact us at 804-323-6800 so that we may address your concerns.

Christopher * S*******, CEO of VACU claims to be a servant leader and to have a servant heart (Richmond Times Dispatch Article) but the company that he leads has neither. As I was told Mr. S******* does not have the bandwidth to talk to members (Of which I am not and I will never be) I was not able to determine if his claim was true or not but I can tell you the employees at VACU have not been lead or trained to treat the family of a deceased member with kindness or compassion or any anyway using a servant heart. If you are a member, please know that based on our experience your family will not be treated with any form of compassion if you pass and they have to deal with VACU.

Virginia Credit Union values its members privacy. Please contact us at 804-323-6800 so that we may address your concerns.

I called to cancel a payment. The representative stayed on the phone with me for 15 mins searching for the payment she could not find and claimed probably was forgotten since I did not receive a confirmation email. She pulled up 2 payments from 2 completely different later months but could not find the one that was scheduled to come out days later. Days later said transaction started pending and I called to let them know what happened and they told me it was my fault because I had the representative search the wrong date. If I told you I didn’t receive a confirmation email and that the payment was scheduled for sometime this week (I think on the 22) should you as a customer service rep check the account and the dates? It was actually on the 21st. Obviously I wasn’t sure. You were able to pull up the date in may and in June but not April? I didn’t even ask for may or June but you said those dates out loud. So I assumed you would know. I did my job to call in and ask for the payment to be removed. However you did not do your job searching for the payment I needed removed. This is not the first time I’ve had an issue with them. I have banked with them about 10 years (not on purpose). They NEVER own up to their mistakes. NEVER! I cannot wait to refinance my car elsewhere! I CANT WAIIITTTTT! please do not bank with them!

Virginia Credit Union values its members privacy. Please contact us at 804-323-6800 so that we may address your concerns.

Deceptive practices bordering on FRAUD. Apparently they think it's okay to turn off my auto pay without notifying me then charging me late fees and hurting my credit score. Their justification was oh we did this like a year ago and u kept making payments so it's not our fault. Oh my bad I forgot trying to pay off extra on my card automatically absolves the bank of any wrongdoing. I also tried to explain very clearly that i couldn't make payments at the time because my ******* arm was broken, but of course they didn't care at all and ultimately "its my fault" (their exact words) What kind of explanation is this?????? Absolutely horrible customer service

Virginia Credit Union values its members privacy. Please contact us at 804-323-6800 so that we may address your concerns.